davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (GA)

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, EQ. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my Equifax report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCE, XXXX has lates on a charge off account. EQ HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND EQ IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Consumer complaint received 2023-04-17
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Or a list of inquiries : 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 an 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 or 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 2023-07-11
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: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (VA)

*THIS IS NOT A DUPLICATE COMPLAINT* *THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX I am writing to request debt validation for the account number XXXX, which your company, XXXX XXXX XXXX, acquired from XXXX XXXXXXXX XXXX XXXX XXXX  with balances of {$1200.00} & {$240.00}. As the account holder, XXXX XXXX, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

To ensure the accuracy of the debt, I kindly request the following information and documents : 1. Copies of all statements and invoices associated with the account, including a detailed breakdown of charges, interest, and fees.

2. Proof of the original agreement between XXXX XXXX XXXX XXXX XXXX and myself, XXXX XXXX, establishing my liability for the debt. 
3. Verification of XXXX XXXX XXXX ' license to collect debts in [ insert your state ]. 

Please provide the requested validation within 30 days, as mandated by the FDCPA. Until the requested information is received, I expect all collection activities and credit reporting pertaining to this debt to be suspended. 

Kindly respond to this request in writing and use written communication for any future correspondence regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your timely response and the provision of the requested documentation.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

Promotional purchases, such as deferred interest if balance paid off in XXXX, XXXX or 24 months etc, repeatedly not honored. I made a deferred interest payment that is set to expire XX/XX/24. I have made {$870.00} additional payments above the minimum required balance that were not applied to the promotional purchase as one would expect. The consumer has to call to make the correction to have the funds applied during the current month otherwise no changes can be made. 

When making payments over the minimum balance or additional payments, the customer is under the impression the balance for the promotional purchase is reduced as additional payments are made and it in fact is notpayments are applied to all other balances ( other separate purchases that occurred after the promotional purchase ) that may not be on promotional time periods-Synchrony strategically applies payments to other balances to keep the customer owing on promotional purchases so that they expire before they are paid off and customers are hit with high interest that retroactively applies to the purchase. Scammers. 

Synchrony Bank did say they would properly allocate {$670.00} of the {$870.00} total payments after I called to complain, but this has been ongoing. There are previous months where payments were not properly allocated and Im told by their representative that since the month is closed, no corrections can be made to previous errors. Why not do it right the first time? This is completely taking advantage of card owners, working people, people like me who probably did not have the lump sum to afford their medical or dental treatment and turned to Care Credit as what we thought would be the smart and efficient way to utilize credit. Instead we are being misled and charged with penalties when we miss the deadline as a result of Synchrony Banks shark tactics. Another instance of the big bank exploiting and taking advantage of the working class. I intend to pay them off and close all my Synchrony Bank accounts. They are not ethical. What a shame.
Consumer complaint received 2024-04-10
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 am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (TX)

The company named below has been reporting to the Bureaus that I've had a CHARGED OFF ACCOUNTFIXED RATE since XX/XX/2018. The account shows a joint account ownership. I've even gone in person to find out, and report this fraudulent activity to them, and they refuse to produce any evidence, or documents, etc. 
Their information is listed below. 

AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I paid of my students loans to MOHELA, they transitioned their online services but did not credit the {$7300.00} XXXX paid them before they transitioned their service. I had received an email indicating that I have paid in full. When I log into their new web account, my balance is still showing that I need to pay them.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ME)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

I want Barclays Bank Delaware, EIN XXXX, to remove charge off from all 3 of my consumer credit reports or I will seek monetary damages as a federally protected consumer. This is a debt that is not mine, that Ive been trying for years to get removed.
Consumer complaint received 2023-06-14
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. (IL)

I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX XXXX of references to Receivables Performance Removal of references to XXXX XXXX  I trust that TransUnion, XXXX, XXXX, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

Ive tried numerous times to resolve this issue I had no luck with the company. this hindering me from buying a home and its a defamation to my character. 



The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2024-04-10
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. (ME)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-10
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. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-10-31
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act states that the only permissible purpose for pulling one 's credit report is for : Firm Offer of Credit , Insurance, Employment, Court Order I have not authorized any of these companies to get a copy of my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing this inaccurate information to be reported is a clear VIOLATION of the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer. If the original creditor can not PRODUCE evidence to contradict my suspicion that FCRA 1681b ( e ) was violated then it will clearly indicate that said creditor was not LEGALLY authorized to view my consumer credit file. I am confident that if METRO 2 COMPLIANT EVIDENCE is not produced, that any court as well as the FTC and CFPB will see this violation a just that, a VIOLATION of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-26
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. (TX)

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. 

XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Charged me XXXX  fees that shouldnt be charged. 
XXXX - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXX XXXX - {$25.00} fee XXXX - XX/XX/XXXX - which was on Saturday not a business day. {$25.00} fee Total for refund : {$50.00} I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all.
Consumer complaint received 2024-10-07
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. (MO)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.