davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear credit bureau, I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Personal Information 1. XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, - The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2023-12-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc. (GA)

I am writing to file a complaint against Credit Management LP, a debt collection agency that is trying to collect money from me that I do not owe. Credit Management LP is swindling me right now. I do not know this company and I am not under contract with Credit Management LP. Credit Management LP showed up on my XXXX credit report saying I owed a {$630.00} debt in XX/XX/XXXX. This is a clear violation of the Fair Debt Collection Practices Act and I demand that they cease and desist from any further attempts to contact me or report this debt to any credit bureaus. 

The debt in question is related to an equipment rental from XXXX. I returned the equipment to XXXX and have the original receipt from XXXX as proof. The Pandemic was very prevalent in XXXX. The company employee was delayed in picking up the equipment due to the Pandemic. The bill was paid and all that was needed was to turn in the equipment. XXXX wrote off the amount. I do not owe Credit Management LP anything. 

This is causing me a lot of stress and XXXX, as well as damaging my credit score and reputation. Therefore, in addition to filing this complaint I also filed with the XXXX. I am requesting your intervention to stop this abusive and fraudulent behavior. 

Please investigate this matter and take proper action against Credit Management XXXX. I also ask that Credit Management LP remove this debt from my credit report. Please let me know of the outcome of your investigation.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX. 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 item 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 2023-12-19
Product: Credit card — Store credit 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 (NC)

Synchrony Bank ( Care Credit ) had a credit balance on the account for several months. 
As I was using the credit, the bank made the decision to refund {$24.00} instead of letting the purchases absorb the credit. 
Thus, even though I was told that a credit refund check was on its way to me on XX/XX/2023, as of today, XX/XX/2023, I never have received this refund check. One representative advised me that according to what she could see the check was never actually mailed out to me. 

Synchrony Bank employee contradicted this statement. But cancelled the original check on XX/XX/XXXX and claimed that a new one was issued. 

Unfortunately, no one can offer me the refund check number. 

It is my position that the original check was never actually mailed to me as I have always received Synchrony Bank 's refund within 10 days. 

Or the check was sent to the old address instead of my present address which I have submitted several times.
Consumer complaint received 2023-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX i have disputed negative accounts that are reporting on my credit report to XXXX, XXXX and Transunion. The credit bureau claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified that the accounts listed below are 100 % accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 



Report number - XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending disputes after disputes and TransUnion keeps saying that the account is accurate and verified! However, they can not show me proof. My name is XXXX XXXX XXXX, but they refuse to update my name saying they can not, I sent a copy of my SSN, ID, and a bill, but they still fail to update my information! I was denied a loan because my name, which is XXXX XXXX XXXX, did not match what they have on their system!!!! When I checked, they had XXXX XXXX XXXX on their system. They are also reporting inquiries that do not belong to me And they fail to remove them. They told me I should contact the credit bureaus and dispute it. When I called them, they told me I should have the company send me a letter when I ask these companies they said they are unable to because they have no information for me. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. According to the Fair Credit Reporting Act have the right to a fair and accurate credit report, and are required to remove any information that is not true, accurate, and verifiable. 

See Attachment
Consumer complaint received 2024-05-15
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Consumer complaint received 2023-08-08
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. (FL)

I have been a victim of identity theft and I have notified experian and they have been negligent and not removed the accounts that I notified them are fraud. According to 15 US CODE 1681C-2 information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency, shall block the reporting of any information in the file of a consumer. I sent in a FTC report via certified mail and it was received on XX/XX/23 and it was neither blocked or removed. When I contacted Experian they said they cant block or remove it because of some internal rules that they wont disclose.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : RENEWAL BY A XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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. (MA)

I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXX XXXX notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.
Consumer complaint received 2024-05-16
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. (MO)

I am writing to you once again to follow up regarding the unresolved issue of late closed and charge-off accounts on my credit report. Despite my repeated attempts to rectify this matter, these negative entries persist, impacting my creditworthiness and financial standing. Despite my persistent efforts, these negative entries continue to tarnish my credit report, hindering my ability to access credit and financial opportunities. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these derogatory accounts undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the late closed and charge-off accounts on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove the acconts : XXXX. XXXX XXXX XXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX. XXXX XXXX Balance : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX. XXXX XXXX XXXX Balance : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

In XXXX I was going through a surprise divorce after 23 years od marraige and living in my truck, or staying with friends when I could. Took years to get out of that situation. This debt was charged off by XXXX. Then I received a letter dated XXXX XXXX, XXXX from XXXX, XXXX ( Resurgent Companies as stated in their letter ) stating I owe a debt for {$21000.00}. Sent them a Certified letter to stop contacting me. Resurgent Capital Services sent another letter dated XX/XX/XXXX stating they deny the alleged inaccuracy and believe their information is accurate and if not contacted they will return the account to active status. I sent another Certified letter immediately asking them and XXXX XXXX XXXX ( part of the Resurgent Capital group ) to stop contacting me for this time-barred debt. I received another letter dated XX/XX/XXXX received on XX/XX/XXXX from Resurgent Capital Services. I do not work as I stated to them. They will not Cease and Dissist.
Consumer complaint received 2024-03-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MT)

Block and remove the fraudulent account listed below, as mandated by law and the FCRA. Failure to comply within 4 business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}. Please delete this account ASAP.
Consumer complaint received 2024-05-15
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (TX)

Ive made four loan payments all on time since XXXX. The first payment interest was correctly applied {$200.00} towards interest XXXX towards principal total payment {$690.00}. The next payments on XXXX and XXXX XXXX all went to interest nothing to principal. Interest rate is 23.75 %. And this last payment on for XXXX XXXX went to interest and XXXX went to principal. Ive called them twice trying to get this fixed or find out whats going on and have gotten no explanation why and saying that its correct when obviously its not. The company is Westlake financial
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (IL)

I disputed my XXXX XXXX account due to late payments during COVID reporting inaccurately and the credit bureau continuously reporting the closed account with an active payment history. In addition I requested a 1099c form from the company and the sent a correspondence stating they did not charge off the debt.
Consumer complaint received 2024-05-15
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I have attempted multiple times to get this inaccurate account removed from my consumer report. The consumer reporting agencies has failed to do a thorough investigation and failed to keep me informed with information requested. Again, I am demanding that this credit account be removed from my consumer report : XXXX XXXX Account number - XXXX
Consumer complaint received 2024-05-15
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 taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be updated right away. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One closed my accounts ( x2 ) over " failing to meet card policy expectations '' yet 1. ) these expectations were not clearly defined and 2. ) I am assuming it was over a missed payment on one of my accounts which was the first time I had missed a payment with Capital One plus on my other account, the balance was not even due yet ( due XX/XX/XXXX ) so they closed this account without even waiting to receive payment on this. I feel that while I did miss a payment, I feel that this is wrong for Capital One to close BOTH of my accounts without even so much as reaching out to me to let me know of the consequences. From XXXX to XX/XX/XXXX, they stated that my payment was due and late, however, late payments are after 30 days and I had made my XXXX payment on XX/XX/XXXX which covered previous charges- they even reported this payment as late to the credit bureaus which is fraudulent as the payment would have only been late by a few days, not 30 days. I recently lost my job and fell on hard times but I had full intent to pay my card balances as I have done numerous times in full in the past. I am even starting a new job on XX/XX/XXXX so this really hurt me. I spoke to two customer service representatives who couldn't even offer me an explanation and only gave a vague response of " you violated card holder policy ''. I even went ahead today and paid the balances on both cards in full ( see attached for proof ). I am extremely upset and disappointed in Capital One as I valued doing business with them. I feel extremely wronged and I am just asking that Capital One considers this decision and re-open my accounts. That is all I am asking for.