davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX BALANCED {$150000.00} XXXX XXXX XXXX BALANCED {$17000.00}
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Re : Synchrony Claim # XXXX On XX/XX/XXXX, I paid {$1300.00} on my PayPal Credit account to booking.com through PayPal Credit / Synchrony Bank for a three-day reservation at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a stay beginning on XX/XX/XXXX. 
The vacation date was planned for the XXXX XXXX XXXX XXXX  event during that week. This was a short vacation for us, to pick up our XXXX XXXX from storage in XXXX XXXXXXXX XXXX to drive to the museum. 
On XX/XX/XXXX, while on our way to the hotel we received a phone call from the hotel " manager '' XXXX, who said the hotel had been closed for XXXX months and he was busy making cancellation calls to guests on their way in. He said we would have to call XXXX to get a refund as the " merchant never gets the funds until the guest checks in. '' I contacted XXXX on several occasions [ XXXX XXXX XXXX XXXX  ]. Typically, one will be on hold for up to an hour before anyone answers. When I did get through, I was told they would " resolve the issue within XXXX days. '' I have had several comments like that since the initial call and they have only called back once ; to leave a message saying I would get a refund to the credit card used for the transaction. 
As of today ( XX/XX/XXXX ) I have received no refund. 
Synchrony reopened the transaction dispute and then closed it today, stating " we have received no proof that a credit is due on the account for you and or the merchant. '' The hotel was closed and out of business when we arrived. I sent photos taken of the hotel to Synchrony bank to validate the dispute. We had to stay at the XXXX XXXX for XXXX days instead of the XXXX XXXXXXXX XXXX. 
At first, PayPal Credit said I had no recourse because all disputes must be handled within 180 days of payment. The reservation was made for the hotel XXXX MONTHS IN ADVANCE ; therefore, we would never know about any discrepancies until XX/XX/XXXX, the day we arrived in XXXX XXXX XXXX. 
We have called the hotel at XXXX XXXX XXXX XXXX. They never answer. We leave voicemails when the mailbox is not " full '' and they have never returned any call since the first day we heard from them, again, XX/XX/XXXX. 
XXXX  has not returned any calls nor sent any communication to me. 
PayPal Credit sent the funds to XXXX but XXXX said to call PayPal for the refund request. 
It appears because the credit card company can not get through to the XXXX XXXXXXXX XXXX, they feel they do not have to refund my reservation amount.
Consumer complaint received 2024-10-19
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (TX)

On XX/XX/XXXX Our home was completely destroyed in a house fire, I contacted the mortage and insurance company right away and explained what happened. They sent out a rep to take pictures and said they would have everything resolved in 30 days. The company reached out but only tell me to make a payment that was due on XX/XX/XXXX. 
The Home is completely destroyed and unlivable, however the company reached out again for another payment. So I am currently making payments on a home that we cant even live in and I am unable to get another home due to this lien still being on my credit. 
We lost everything that we own in the fire and can not currently afford to pay for another place to live until this is resolved. I am XXXX XXXX XXXX and my husband is XXXX XXXX XXXX who is also a 100 % XXXX vet that lost his XXXX XXXX  about XXXX  months ago. We believe this company is taking advantage of us because we are senior citizens.
Consumer complaint received 2024-11-02
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. (VA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have asked XXXX, XXXX, and Transunion to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I XXXX review to see if this is actually an account that belongs to me or remove within XXXX  days. Transunion have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX VIA Dealer ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Card services ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). They are reporting things I had no idea was in my name and all XXXX bureau XXXX XXXX my consumer rights.
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXXXXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Date of Birth XXXX XX/XX/year> Incorrect DOB - XXXX Name XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name - XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

At first when the National Credit Adjusters were calling, I thought it was a fraud caller trying to get money from me because that had happened before. Even though, I have never given my personal information and the caller threaten me by saying he was going to call the police if I dont answer the questions. I never did answer.So, this is why I have ignored this claim from the National Credit Adjusters. 

It was not until it began to show a debt in XXXX that I began to wonder on who had taken a loan under my name and when and where did this money went into and how can I prove that it was not me. My husband, rest in peace, kept on saying to ignore it because it was fake. So I did. 

After his passing, I looked again at the XXXX account and I noticed that the debt was still there so I decided to take action. 

I have sent a letter to the National Credit Adjusters requesting documentation and proof that I have taken this loan that they have claimed I did. 

I called XXXX again today, XX/XX/year> and they suggested to go to the FTC and upload an identity theft report since I havent applied to this loan. I dont need a loan.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I am writing to formally request a correction regarding the late payments reported on my credit report for account number XXXX XXXX. The late payments have been incorrectly reported by XXXX and XXXX. 
In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I would like to bring to your attention the following legal provisions : Under 15 U.S.C. 1681a - Definitions ; Rules of Construction : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

Based on this, you do not have the legal right to report my transactions and experiences, as the law clearly states that such information is excluded from consumer reports. 
Additionally, the only way a creditor can report a payment as late is by following the provisions of 15 U.S.C. 1666b - Timing of Payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.

To treat a payment as late, a creditor must provide evidence that : The required information under 15 U.S.C. 1637 ( b ) was sent or delivered at least 21 days before the payment due date.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Goal Structured Solutions, LLC (AZ)

I called XXXX too busy to take my call. Could not leave a message. Sent e-mail XXXX as of XXXX no response. Talk to agent on XXXX after 30 minutes on hold paid one time with debit card. I was told that I needed to call bank that you could not set me up on auto payment account number incorrect. Even though XXXX had the same account number for the last 2plus years. I called my bank they said the routing and account number are correct and there is no difference. I called back XXXX from XXXXXXXX XXXX to XXXXXXXX XXXX I was on hold. Paid by debit card again tracking # XXXX was told again that I am set up on auto payment starting XX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX another hold time of 36 minutes. Agent so sorry going to write a ticket case # XXXX with everything thing that has happened XXXX said to give them 24-48 hours to response. It is now the XXXX and no response. I told the agent I am not paying for XXXX or a late fee and when I go on line it is trying to collect XXXX payment now which is not due until XXXX XXXX. I also asked for a copy of information that XXXX was sending by e-mail to the other department which I never received. I received two letters the same day one was a reminder to pay the other saying I had paid. Now I am receiving text message saying my payment did not go through plus automated voicemails telling me to call XXXX. I feel I have tried to resolve this issue in good faith. I am contacting the XXXX  and the Consumer protection Agency. The above information is what I e-mail XXXX on XXXX XXXX XXXX filed bankruptcy and Launch Servicing LLC can not figure out how to set up a auto payment and keep calling texting and now charing me a late fee.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Formal Demand for Immediate Removal of Late Payment Entries Account No. XXXX Dear XXXX, I am writing to demand the immediate removal of the late payment entries associated with my auto loan account at XXXX XXXX XXXX XXXX XXXX ), account number XXXX, from my credit report. While I acknowledge that I made some late payments, I believe it is illegal and unfair for you to continue reporting these negative entries, and I am formally requesting that you remove them within 24 hours of receipt of this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and fair. Reporting late payments, especially after a consumer has made efforts to bring their account into good standing, is neither fair nor reflective of my overall creditworthiness. The FCRA mandates that credit bureaus must remove or correct inaccurate, incomplete, or unverifiable information from credit reports. These late payment entries, given my repayment efforts and the context of the situation, should not be reported, as doing so constitutes continued damage to my credit profile.

Additionally, under 15 U.S.C. 1681c, certain outdated or irrelevant information, including negative payment history, may no longer be reportable after a certain time. In this case, continued reporting of these late payments is disproportionate and harmful to my financial recovery. The law supports a balanced and fair reporting system, and reporting my late payments with no context or regard for my improved standing is a violation of that principle.

I expect the removal of these late payment entries within 24 hours of receipt of this letter. Failure to comply with this request may result in legal action, including claims for damages and enforcement of my rights under the FCRA. 

Please send me written confirmation once the late payment entries have been removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies from my credit report.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I NEVER GAVE AUTHORIZATION TO ANY OF THESE ACCOUNTS TO RUN MY CREDIT I AM A VICTIM OF ID THEFT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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
Consumer complaint received 2024-11-02
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. (NC)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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