davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX reported account as late XX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( XXXX, XXXX and Experian ).
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights.

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

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-09-12
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-24
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. (MO)

To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file.

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX Reason for Closure : Terms met account is paid.

Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request.

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA.

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request.

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.

Thank you so much for your time.
Consumer complaint received 2024-09-09
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. (FL)

I recently pulled my credit report and requested that the company due an investigation. After they completed their investigation, I received updates on my report that were not removed and no information was provided to me about the account. There is no proof that these accounts belong to me from any of the agencies reporting negatively on my account. 

XXXX XXXX- {$0.00} XXXX  XXXX {$17000.00} XXXX  XXXX Auto - {$13000.00} XXXX XXXX XXXX - {$64.00}, {$290.00} XXXX XXXX {$420.00} XXXX  - {$5600.00} XXXX XXXX XXXX {$700.00} XXXX  - {$8000.00} I also never gave these companies permission to pull my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

This account was paid XXXX, XX/XX/XXXX. According to the collection agency, they will erase the information off my credit report. I submitted all documentation to Equifax XX/XX/XXXX showing that the account was paid. On XX/XX/XXXX per customer service at XXXX XXXX, they submitted notice to all three credit reporting agencies. All other agencies have removed the information from my file except for Equifax. Equifax recently updated my credit report on XX/XX/XXXX but this is still showing as an outstanding balance and it is still showing on my credit report. Its derogatory information ; its impacting my credit worthiness ; its impacting how much I can get for a home loan ; and, its impacting my credit score & credit standing! 

They have also sent credit report information with all my personal data where someone could steal my identity to an XXXX that I stay at when traveling. The owner called me so I told them to return it back to Equifax. 

When calling over the phone, their verification process is the absolute worst! They have you scan your license and it fails. They ask certain questions and you answer them properly but they say its wrong info so they refused to speak to you. 

I have sent massive documentation including whats attached to them several times and they are not properly updating my information which is hurting my credit. I am trying to apply for a home loan and can not apply for a home loan until they get this off my credit report!
Consumer complaint received 2024-04-24
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

My issue is with Synchrony Bank, the creditor for my HSN credit card. I have had this card for years and have always been in good standing, they recently cut my credit limit, that's fine but I had prior purchases that were done on an Easy Pay plan, before the decrease, and the installments that are left on those have put my account over the decreased limit, so now they have charged my account with over limit fees! When I addressed this problem with their cust service rep. I was told to use a different card for those payments?? Seriously, is that even legal for them to do that??
Consumer complaint received 2024-09-12
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. (IL)

To Whom It XXXX Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX requirements. 

The inaccurate entry is as follows : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : XXXX. XXXX Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

XXXX. XXXX XXXX Compliance : The XXXX XXXX XXXX XXXX outline specific requirements for the reporting of consumer credit information. I believe that the creditor XXXX have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
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: EQUIFAX, 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 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 2024-06-23
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. (CA)

XXXX has fraudulently reported to Experian my closed account as being in collections despite that the account was fully paid. I disputed the entry on my credit report with Experian and sent to it a copy of the final bill that XXXX sent to me that states I have a credit balance with XXXX. On XX/XX/year>, Experian reported that it had completed its investigation. However, the extent of its investigation was to simply send to XXXX the final XXXX bill that I sent to Experian. It did not perform any investigation to determine what XXXX submitted to support its false assertion that my account is in collections and that I have a balance due on my account despite what XXXX stated in my final bill. Nor did Experian even acknowledge that I have a final XXXX bill showing a credit on my account which clearly contradicts XXXX 's assertion and should have caused Experian to remove the false entry by XXXX from my credit report.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (CT)

Hello- I am reaching out to parent company Fiserv  XXXX XXXX XXXX XXXX  XXXX ) because a payment that was to be processed to me was never received. 

Merchant used XXXX ( intermediary/payment processor ) to initiate a refund/credit to me and it's missing. I am looking for help to find where it went and what happened. 

Please see attachment and also details below. 

On XX/XX/2024 an XXXX  transfer was initiated for the amount of {$2600.00} from XXXX routing number XXXX to be received at XXXX routing number XXXX account number ending XXXX. 

XXXX XXXX ID # = XXXX I've never received the funds transfer as of today XX/XX/2024. 

I would like an employee at Fiserv specializing in XXXX type XXXX to provide me with the following. 
XXXX ) Was the transfer sent successfully to XXXX or was it Rejected/Returned to the XXXX 's bank account? 
XXXX ) What was the error ( XXXX XXXX code )? XXXX - XXXX XXXX Account XXXX. 
XXXX ) Please provide the XXXX XXXX XXXX ID ( XXXX digit # )? 
XXXX ) My XXXX routing/checking account numbers were ( XXXX XXXX XXXX XXXXccount numbers ( virtual ). Was there an issue processing it there specifically? 

Thank you for your time. I hope to be able to find where my funds landed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I thought dealing with a tough economy was stressful, but then I took a look at my credit report, and it turns out thats a whole new level of frustration. The amount of inaccurate information I found is unbelievable, and its dragging my credit score down for no reason. Its exhausting trying to fix these errors, and honestly, if I needed to see a therapist for the stress, I couldnt even charge the session to my card without it getting declined because of these mistakes. All I want is for my report to reflect reality, not a string of errors that are making my life harder.
Consumer complaint received 2024-07-24
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: CRED Technologies dba cred.ai (FL)

On XX/XX/year>, I rented a car from XXXX, and they charged me a {$200.00} deposit. My credit card from Cred.ai also added a {$75.00} deposit for reasons unknown to me. On XX/XX/year>, I returned the car, and XXXX confirmed that they released my {$200.00} deposit the next day, on XX/XX/year>, providing me with the Release Authorization Code # XXXX. 

As of today, XX/XX/year>, Cred.ai has not refunded my deposit yet, and I urgently need that money. The deposit was in cash, not credit. I have called four times and requested to speak with supervisors, but they are always in a meeting and have not returned my calls. Three agents informed me that they would escalate the issue, yet no one has contacted me.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (GA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

RE : FRAUD/AGGRAVATED IDENTITY THEFT XXXX XXXX  Acct # XXXX COLUMBIA DEBT RECOVERY LLC , dba GENESIS is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) contacting me via phone calls, texts and/or emails. I did not give you permission or authorization to have my personal identifying information, which you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A.

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) are attempting to collect a debt from I, the consumer. This makes you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733.

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) into the Federal Trade Commission for aggravated identity fraud and theft.

Failure to zero out the balance and remove account within 7 days, will result in legal matters being taken and I will report COLUMBIA DEBT RECOVERY LLC, dba GENESIS to the Federal Trade Commission for aggravated fraud and identity theft.

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) and this letter will be tendered as evidence of failure to comply.
Consumer complaint received 2023-03-29
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: CLGF Holdco 1, LLC (NY)

In accordance with the Fair Credit Reporting Act, the companies listed below have violated my rights. 

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

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

15 USC 1666 B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: IDAHO CENTRAL CREDIT UNION (ID)

I purchased a new vehicle from XXXX XXXX in XXXX, ID on XX/XX/2024. Idaho Central Credit Union was the bank they had me use for my loan. I logged in today XX/XX/2024 to set up automatic payments for the loan only to find a XXXX XXXX XXXX XXXX account had also been opened under my information. There was a {$30.00} initial deposit, which I did not do, and am being charged a {$5.00} set up fee. I never requested a savings account in any way shape or form.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: BWW Law Group, LLC (DC)

On XX/XX/XXXX XXXX XXXX, as the loan servicer, failed to inform me that a loan i was lead to believed was modified in XXXX, that i was current on and still paying on, was release in XXXX. It was later concluded after much research that, XXXX had placed a sanctioned on XXXX XXXX for violations and the Note was than endorsed to XXXX XXXX, the Note was a XXXX  Partial Claim for {$23000.00}. Specifically, in XXXX, XXXX XXXX was never able to apply any portion of these fund to any principal mortgage since my mortgage had been released in XXXX. Instead of just paying back the loan and informing me of the release, XXXX XXXX open up an account using my name and social security number and placed the {$23000.00} in that account. The {$23000.00} remained in this account until such time that it was released on in XXXX of XXXX and the documentation was not provided until, XX/XX/XXXX. Simultaneously, XXXX XXXX XXXX XXXX was claiming to be the servicers of the principal mortgage and was served with a Cease and Desist in XXXX of XXXX, this was honored until XXXX when DC Government created a Home Owners Assistance Program which has not serviced, even XXXX of the XXXX eligible Application received and processed. XXXX has currently transformed into XXXX XXXX XXXX XXXX.