davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (NJ)

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 on my Experian.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2024-07-02
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 2024-05-03
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. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-05-03
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account im asking you to verify as accurate : account name is XXXX and the account number is XXXX, also the inquiries on date XX/XX/scrub>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 2023-07-07
Product: Credit card or prepaid 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 (FL)

I went to Rooms to Go back in XXXX and was approved for a 55 month 0 % offer for furniture purchase with Synchrony Bank. I purchased around {$4700.00} on the card. About a couple of weeks into the offer about {$2500.00} was rolled into my card which I called to dispute. They told me not to pay anything during the dispute and to wait for a new account to be created. My account is on auto pay so everything should have been charged and no missed payment was made expect only a delayed while they were updating accounts during the initial dispute. 

When they created the new account they somehow rolled a portion of the amount ( about half ) into a 29.9 % interest instead of the initial offer I had been approved for. Im not sure if this is something they are doing repeatedly to get away with changing the rate on people but this seems like a fraud. I called them and ask for them to please fix my account to the agreed interest and to refund me the interest they have been charging since they updated the account to wrong interest rate. After about 2hrs with them on a call and going back and forth they told me they would fix it. Its been 3 weeks since the call and nothing has changed in my account. They are still charging me the higher interest rate. I have the receipt for the original offer and need this to be fixed as the new rate is costing me way more money then what was initially agreed to. I would have never purchased the items at the current rate.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am XXXX XXXX, and XXXX 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, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-03
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. (PA)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-02-05
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. (MA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (VA)

Unfortunately, I did not make note of the exact date of my conversation with the company in question -- XXXX XXXX XXXX. I believe it was in XXXX of this year, but if I am incorrect, it was sometime in that time period. The person on the line stated they were collecting a $ XXXX utility debt for Con XXXX XXXX a utility provider in XXXX that I had not had an active account with for 18 months at the time this call happened. I moved from XXXX XXXX XXXX in XXXX XXXX XXXX  and closed out my account with XXXX -- an event I well remember because I had to pay over {$1000.00} because I had selected their balanced payment option which charges a set amount each month and then trues up with the actual meter periodically. I was paying $ XXXX a month for electric with that plan, so it was not fun for me to find that to true up my account was such a significant amount. I paid it and my account was closed and I verified such by seeing it was closed via their website. I also know it was closed because XXXX doesn't allow a meter in an apartment to be assigned to two different accounts and I was in touch with the renters who moved in to my old place and they had no issue getting their electric turned on. Informed XXXX of this by phone and requested that they send me the details of the debt to prove that it is mine, because I do not believe it is. They said they would mail it and I have never received it. However, I receive a call at least once a day if not twice or thrice from XXXX. I only know this number belongs to XXXX because a web search shows it does as well as numerous complaints related to the number. I have begun to ignore the call because the times I have answered no one is on the line and the call disconnects after XXXX seconds, or I don't answer because I am busy and I assume normal people would leave a voicemail or at least speak when I answer the phone. XXXX has done neither.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

I received a letter from Progressive Management Systems ( PMS ) stating that a debt from XXXX XXXX was given to them for my account on XX/XX/XXXX. The balance was {$970.00}, and I paid {$240.00} on XX/XX/XXXX. I have had no further communication from them since, but have seen them on my credit report. On XX/XX/XXXX I mailed a {$30.00} money order and requested an itemized list of the debt because it is much higher than I remember owing XXXX. I had called and emailed XXXX in early XX/XX/XXXX and they told me that they, XXXX, no longer has the itemized list of the debt, but the debt collector, PMS would. So along with my money order I mailed on the XXXX of XX/XX/XXXX I included a note requesting that I get an itemized list of my debt by XX/XX/XXXX. It is XX/XX/XXXX and I haven't received anything from them, and find it hard to believe that they would wait until the last minute to supply this information to me when a week after I mailed the payment I checked the online account for PMS and saw that the {$30.00} was deposited and they had charged a 10 % interest rate as well.
Consumer complaint received 2023-07-07
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 (PA)

The XXXX XXXX XX/XX/XXXX {$170.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XXXX  XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XXXX XXXX Over 120 transactions from XX/XX/XXXX to XX/XX/XXXX totally {$4900.00} I filed a claim originally after being notified by BOA and I had to shut my debit card down. I instantly went to the police and filed a police report for everything that was going on. The officer in charge was on vacation so I had to wait until he got back to finalize the report but I was able to get in the report number over to BOA. The claim was originally denied. I called literally like every day. I was told it was denied because there was day where one of the transactions I confirmed. That never happened and if so it was on mistake. I forwarded over the police report and my claim was reopened. Since then I have XXXX every day its been escalated many times by many managers and is still under review and apparently waiting for merchants to respond. I also had my identity completely stolen a few years back so I was advised to forward over police reports dealing with that so whoever is working on my case has that information. Along with that I tried to reach out to each of the six merchants which was advised for me to do. None responded accept XXXX XXXX. They asked me for a bunch of questions to verify myself which I answered and there response to me was no account found. I have literally tried to do everything I can possibly do. I call every day its been going on over 30 days and now its hurting me financially. I am over 30 days late on my mortgage and its affecting my credit. I have a family XXXX kids and need this resolved. Please help me! The claim number is XXXX in the amount of {$7600.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. You've violated my rights by reporting balances and the company names that were included in my bk. These accounts has been discharged and shouldn't be on my credit report. A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate.For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.
Consumer complaint received 2024-05-03
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. (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 XXXX XXXX XXXX. 

Account Name : XX/XX/XXXXAccount XXXX Account Name XX/XX/XXXX Account XXXX Account Name :XX/XX/XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXX/XX/XXXXStates I have the right to privacy. 

XXXXXX/XX/XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionsXX/XX/XXXXXX/XX/XXXX : 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 recordXX/XX/XXXXwhich antedates the report by more than XXXX years. 

XX/XX/XXXXA person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-03
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. (NY)

After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. XXXX, Experian, XXXX and XXXX XXXX are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within 10 working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ).

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see Regulation B 12 C.F.R Subpart B " Requirements Remittance Transfers '' for your reference.

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding.

The Fair Credit Reporting Act 5 Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations.

15 usc 6802-6805 Disclosing my information 9-607. COLLECTION AND ENFORCEMENT BY SECURED PARTY 15 U.S.C. 1692e ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights.

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-03
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this