davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received any information from XXXX XXXX regarding my debts or original signature for the debt through Bank of America. I never received any court date. The only piece of mail I got was a judgement with incorrect amounts and information against me in which I tried to hire a lawyer to dispute, the company is not meeting any negotiations with my lawyer for a debt they cant prove or gave me rightful notice on.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to request the removal of outdated employment information from my credit report. Specifically, I would like to dispute the listings of my former employers, ( XXXX XXXX XXXX ) which does not accurately reflect my current employment status. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c, information that is outdated or no longer relevant should not be reported. Since these employers are no longer applicable to my credit history, I ask that you remove this information promptly. 
Please investigate this matter and update my credit report accordingly. I would appreciate a written confirmation of your actions, along with a copy of my updated report. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was threatened with lawsuits and judgements. I settled the accounts for large amounts o money without ever being summoned or given any form of validation. 
Upon paying the accounts, they are continuing to report inaccurately on my credit reports showing past due balances and charge offs for every month of XXXX 
These are inaccurate and after paying I know believe fraud as no lawsuit was filed I want them all removed immediately from my credit reports
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, # XXXX. # XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE AT ITS FINEST.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (VA)

I was checking my credit report because I received an email stating my score went down, upon checking my score I noticed that I had a collection from CREDENCE RESOURCE MANAGE so I did what any other person would do, I called the number on my report. I asked the collection rep what the collection was about, and after being authenticated he told me that it was from XXXX about some equipment, I explained that I returned the equipment, and then I asked why I wasn't notified about this, I was told that they tried calling and they sent 1 letter to my home I said to him that I did not receive any messages he told me that they don't leave messages, then I asked well why didn't I get a letter, I was told they don't send certified letters. How could I have known that someone was trying to reach me if there was no acceptable communication, I sent the equipment back to XXXX on XX/XX/year> I also have a recording admitting everything about the call.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I created a XXXX XXXX XXXX account in XXXX. The account shows on my credit bureau correctly. However another account appears in XXXX. Someone uses it to add money to a secured card and use it. I reported it to XXXX XXXX XXXX  and to my bank as fraud. Then bank eventually stopped funding the transactions, when we couldnt get any where with customer service on closing the account. Both my XXXX account and my XXXX account the identity thief had access to. They used this account to fund the XXXX XXXX that was deleted for fraud. This account does not belong to me, even though they charge my real bank account until I could figure out what was going on and place a block with the bank to stop it.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX- {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

To whom this may concern : I'm writing you today in regards to my credit card with Synchrony bank/amazon . 
I have a current balance of {$6.00} which are late fees that I was advised would be covered and I had nothing to worry about. When I signed up for this card I never received the card or a bill. Until I spoke with customer service about it I had no idea what was going on with this account or my card I never received. When I spoke with the representative I was issued a new card and sent out again anything thing that was sent to me in the mail. I also paid my bill further in that call where I was advised I had nothing to worry about the fee it is taken care of and it would reflect on my bill. I paid what I was told to be my balance because I was promised the rest would be waived or I would have paid the complete balance. Time passed by I tried to use the card with the understanding I don't have a balance only to find out I have a outstanding balance. I spoke with two more representatives at that point the first one advising me they'd review the call. Which they did and sent a letter discussing the context of the call promising to remove the late fees but only referencing them reviewing me not receiving the mail and that they did a investigation that implied I did through there internal checks. Which is odd because I wouldn't have needed a replacement card and would have been able to use the original card if I received it and I also would have know the status of my account instead of having the expectation of contracting with a honorable business with the idea I had nothing to worry about. The second representative apologized and was very understanding and even tried to rectify the issue but someone made it unavailable for him to do so. He also conveyed to me that it's normal that they wave one occurance per certain time period and he doesn't know why this is the way it is and he's sorry. I further said that's a curtesy your speaking of a one time curtesy but this is a different circumstance I never received anything from you guys and you guys have a obligation to send me a bill and my card and I never got anything and it had to be sent out again. I was promised by there representative that this fee would be waived and I've been put through this extensive rigamorole. 


They advised me the calls are recorded and told me they'd review the call and completely disregarded the fact I was promised this by saying nothings in the notes about anything but it's in the call which they reviewed and willing refused to honor their word.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( s ) Name : XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting a formal complaint against TransUnion for failing to correct inaccurate personal information on my credit report. I sent a certified dispute letter addressing these errors, which was received by TransUnion on XX/XX/scrub>XXXX XXXX XXXX  ( tracking number XXXX ). Despite receiving this letter, TransUnion has failed to correct the inaccuracies. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which obligates credit reporting agencies to investigate and correct any disputed information within 30 days of receiving the request. Additionally, this failure to act may also violate the provisions against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531.

I will be uploading the certified mail tracking details and proof of delivery to support my claim. I request that the CFPB ensures TransUnion complies with its legal obligations and corrects my personal information as requested.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I opened a store credit card with Rooms to Go by Synchrony Bank. In XXXX with zero percent interest for 4 or 5 years. I paid the minimum payments according to my pay period which resulted in late fees being assessed to the account. These late fees were put in a seperate interest of 29.99 %. Even though the account was being paid down Synchrony routinely lowered my credit limit to adversely affect my credit so it would appear as though I was not paying down the credit card though I was. In XX/XX/XXXX I believe, ONE of my payments was returned by my bank resulting in me missing a payment. Synchrony immediately closed the account, giving me no access to the credit limit and it was removed as an account on my credit report. However, Synchrony has continued to assess my account late fees like it is still an active account. When I questioned Synchrony as to why I am being billed late fees on a closed account they essentially said that they are still sending me a billing statement and I have the choice to pay the balance in full. This should not be legal. They chose to close the account to adversely affect my credit, yet are continuing to bill and assess my account fees as though it is still open to their benefit. This should be illegal and not permitted. I am aware that I am still responsible for the balance, which is why I continued paying it. On one hand they continue to send billing statements, the balances accrue interest and I'm assess late fees when the payments aren't received by the " due date ''. Yet on my credit this account is closed and reflects adversely due to Synchrony reporting the 1 missed payment. How can an account be closed yet they are generating a billing statement for a none existent billing cycle/period and non due date? I need this company to be held accountable. They can not adversely affect my credit by reporting this account late by 30 days, then closing the account. Then afterwards for them to continue to bill and charge my account fees as they were when it was open. Completely insane and unconscionable.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently viewed the latest copy of my consumer credit report and noticed several unauthorized inquiries on my report. Attached you will find a copy of my FTC report indicating my complaint, which includes all unauthorized inquiries as well as those mentioned in my personal statement section. I have contacted all 3 credit reporting agencies and they refuse to investigate or remove these items. I am requesting that all of these items be removed. 


15 USC 1681b ( c ) : Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Subject : Dispute of Fraudulent Information under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 In accordance too the FCRA, 15 U.S.C. 1681c-2, law, I am now requesting the blocking of information that resulted from identity theft from in XXXX. 

Collections Date reported XX/XX/XXXX, Date assignedXX/XX/XXXX, Amount {$1200.00}, Status dateXX/XX/XXXX, Balance dateXX/XX/XXXX Account designator code Individual account, Account number XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Medical/Health Care ; Original Creditor - XXXX XXXX ; Amount - {$880.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$1200.00} ; Individual Account ; Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Address : XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX XXXX ; Amount - {$190.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$190.00} ; Individual Account ; Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Also : Improper Inquries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX MD XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Incorrect or outdated addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MD)

Hello, I'm writing this to see if XXXX  XXXX and affirm inc can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a waiter/cook in a restaurant. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to constructions since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can XXXX XXXX please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I sent the company a Section 609 letter last month. I also disputed it with all the credit bureaus. XXXX XXXX XXXX XXXX is the company. I'm also disputing the XXXX of the profile. XXXX XXXX XXXX XXXX just recently reported XXXX late payments on an account that is reported closed. The account was reported close in XX/XX/year>. XXXX XXXX XXXX XXXX has not shown proof that they are authorized to collect this debt. Verification of debt is within the statute of limitations. Immediately have them remove the late payments and negative items on my report. It is illegal to report this information without my consent. Contact all the credit bureaus that's reporting XXXX XXXX XXXX XXXX on my report.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to run a hard inquiry on my credit report and would like it to be removed.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX Equifax and XXXX immediately! 

XXXX XXXX XXXX  XX/XX/2021 {$460.00}