davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I was a cosigner on a Mattress Firm Credit Card via Synchrony Bank. My ex spouse did not pay the card. It was charged off. However, in XX/XX/year> the debt was cancelled and a XXXX was issued to my ex spouse. I have tried to contact synchrony bank and mattress firm to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When covid occurred we were on a plan because we could not pay.
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. (GA)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, 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 ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VI)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-26
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX, this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Consumer complaint received 2023-11-06
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. (CA)

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 2023-12-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I received a XXXX gift card for {$99.00} as a gift and I opened it for the first time on XX/XX/23 and attempted to use it to pay for dinner. It processed for XXXX cents. The rest of the card was apparently already fraudulently used by someone else. I logged into the website for the card which is XXXX with a phone number of XXXX. On their website they showed that the card was used 3 times, on XX/XX/23, XX/XX/23, XX/XX/23 and at a XXXX XXXX in XXXX California on terminal number XXXX. At XXXX, XXXX and XXXX which is interestingly XXXX hours before the XXXX  ( all XXXX of them ) in that city even open. The card was apparently listed under the name of XXXX on the XXXX website too. Which makes no sense since I literally opened the card today ( on XX/XX/23 ) in XXXX  where it was purchased and paid for at a XXXX XXXX XXXX ( XXXX ). The XXXX people asked me for my first and last name which I provided and gave poor instructions on how to report this fraud with a hint that if I follow along they might be able to do something to get my money that was fraudulently stolen back. They asked me to upload the front and back of the card and the front and back of my government issued ID, which makes me super uncomfortable and is totally unacceptable from a company who clearly lost at least some of their XXXX credit card numbers in the first place. Who is to say they won't " lose '' my private information too. As I see it they owe me {$99.00} and shouldn't make people who are taken advantage by their poor business practices jump through hoops when they are ripped off. It wasn't even clear where to upload this on their site if I felt safe to do so specific to fraud. Any help with this company is appreciated and I hope someone can figure out who is ripping money off through a XXXX credit card terminal hours before they open. Thank you.
Consumer complaint received 2019-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (CA)

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 2019-05-06
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: Experian Information Solutions Inc. (AL)

I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX  and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.
Consumer complaint received 2024-07-10
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an email from XXXX. It had an attachment that look like lit was from the XXXX XXXX stating that I owe {$480.00} to renew. If I didnt want to renew they would give me credit back to my account. It had a number to call XXXX. I called the number because I didnt want to renew. I was directed to a gentleman that gave a website to go to so I could get the money refunded. Then he wanted me to go to my bank account to see if the money was refunded. I told him I paid my bill to the XXXX XXXX by automatic credit card and not by my bank He kept insisting I go to my bank. Then a XXXX post pop up. I dont have XXXX XXXX but I have the XXXX XXXX for Security . And then my screen went black and it said that it was upgrading my computer and dont shut it off, I immediately shut my computer off, I have looked at my bank account on my XXXX XXXX and there have been no transaction for the any payment or refund post on my accounts,.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On numerous occasions I contacted Experian Credit Bureau about why it is a negative account attached to my consumer report. I was given a phone number to contact the original creditor so I can get this off my consumer report. This information is report inaccurate on my Experian Consumer report and I would like it removed immediately. I am going to attach both my XXXX and XXXX Consumer report to show that I don't have any negative accounts. I am being violated by consumer law 15 US Code 1681 s 2.

Please help me with this problem.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Many requests for the charges and statements for the period of XX/XX/XXXX through XX/XX/XXXX which is the period of time that I was in XXXX last statement received was paid with XXXX balance removed all wrong information such as issue involved in restaging date
Consumer complaint received 2023-08-26
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX : {$280.00}.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-26
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. (GA)

Subject : Formal Dispute for Removal of Bankruptcy Entry To Whom It May Concern, I am writing to formally dispute the presence of a bankruptcy entry on my credit report, which I believe is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The inclusion of this bankruptcy entry is adversely impacting my credit profile and overall financial standing, and I am hereby requesting its immediate removal. It is important to note that I have previously disputed this entry, and your company claimed its verification through XXXX. However, I have not authorized XXXX to access my information as a consumer. Additionally, I have confirmed with the clerk of the court that they do not report any information to credit bureaus, rendering the account 's validity unverified. 

In accordance with 15 U.S.C. 1681 et seq., I am exercising my right to dispute this entry based on multiple violations, including Permissible Purpose, Right to Privacy, and the provision of a comprehensive Investigative Consumer Report. Specifically, I firmly believe that the reporting of this bankruptcy entry constitutes infringements of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ).

I have furnished substantial evidence demonstrating that neither the Courts nor XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) supply information to any credit agencies whatsoever. Consequently, the validation of this bankruptcy entry was never fulfilled as mandated by law. If you contend that this entry has indeed been validated, I insist that you furnish the investigative report to substantiate your assertion. In the absence of such documentation, I am prepared to pursue damages for violations at a rate of {$1000.00} per violation, in accordance with the FCRA. 

Given the evident violations and the absence of validation, I hereby demand the immediate removal of the contested bankruptcy entry from my credit report. This action is imperative to rectify the inaccuracies in my credit profile and restore the integrity of my financial reputation. 

I am confident in the validity of the aforementioned violations, and I kindly urge you to expeditiously eliminate the disputed bankruptcy entry from my credit report. Furthermore, I anticipate your timely response and resolution, aligning with the stipulations of the FCRA regulations. 

Please be advised that I am well-versed in my rights and remedies as dictated by the FCRA. Should these infractions persist, I am fully prepared to take appropriate legal measures to address the situation. I anticipate a swift response within the 30-day timeframe stipulated by FCRA guidelines .

Thank you for your immediate attention to this matter. I trust in your commitment to conducting a thorough investigation and taking prompt measures to rectify this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-07-10
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-17
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. (FL)

on XX/XX/XXXX  XXXX XXXX sent correspondence to the XXXX XXXX XXXX XXXX in regards to any contract as it pertains to any debt claimed. 

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX  CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX  has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, TransUnion, and XXXX to no avail.