davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

Upon arriving home after a month of traveling, I found a notice from the XXXX XXXX XXXX XXXX congratulating me on the {$27000.00} loan I took out. I thought it a joke or some marketing scam and threw out the notice. A few days later I received a " Payment Book '' from XXXX for 36 months of payments at {$890.00}. This was surprising and I called the company to find out what they were doing and why this was happening. I DID NOT take out such a loan. They claimed they understood there had been a fraud situation and I received the only digital communication they have so far offered acknowledging our communication ( this was on XX/XX/XXXX ). Somewhere in the phone conversation I had a representative acknowledged that they had caught and stopped this transaction prior to my communication with them. It seemed the problem would be resolved shortly. 

It wasn't. I began receiving late payment notices 6 weeks later and continue to receive them. Needless to say this is having an impact on my credit rating. I spoke to company representatives nearly a month ago and they acknowledged my past communications and claimed their fraud unit would get things taken care of in 30 days. I noted that I was told that nearly two months prior and asked to speak to fraud staff. I got the run around on several requests. Furthermore, I asked why I could not receive something in writing regarding the problem and an acknowledgement and apology from the company for their error in issuing a loan under my name fraudulently. I also asked specifically for an explanation of how all of this transpired since I was never contacted about said loan. They gave me no satisfactory explanation, nor did they issue an email or letter acknowledging the problem they had created for me. I know nothing about the legitimacy of the XXXX XXXX XXXX XXXX, however, they have not been forthcoming or communicative about a problem they created due lack of checks and balances in their system and it is now a problem for me that I have spent far too much time trying to handle.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I noticed that my Checking and Savings Accounts were at a balance of {$0.00}. I called XXXX XXXX XXXXXXXX to learn why and that's when they informed me that there were holds on my accounts due to a " Receivership ''. 

XXXX XXXX XXXXXXXX provided me with a phone number that would connect me to my Receiver ; XXXX XXXX XXXX. I called on XX/XX/XXXX, but no one answered. Nevertheless, I was able to access more information about this arrangement on ( XXXX ). 

I learned that this Receivership was initiated by XXXX XXXX XXXX, a collections company. 

XXXX XXXX XXXX collected my alleged debt from Synchrony Bank/Credit Care . 

I have NEVER been a client of Synchrony Bank or Credit Care. It was stated that this account was opened in XXXX of XXXX, I did NOT have any plans for medical treatment or any cosmetic procedures during this time. I did NOT receive any medical treatment or any cosmetic procedures during this time. 

**My credit report does not even note a Synchrony or Credit Care account** I suspect fraud in this case and have reported this issue to Synchrony Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXXXXXX XXXX XXXX ( XX/XX/XXXX ). 

A total of {$2200.00} have been placed on hold from my accounts and I need it to be released immediately.
Consumer complaint received 2024-03-13
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX  XXXX Balance Owed : {$3000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

As of XX/XX/2023, LVNV is still reporting inaccurate information on my credit report. I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, the statute of limitations for collecting this type of debt in Florida has expired as per https : XXXX and according to XXXX, XXXX XXXX XXXX The limitation for collecting on this debt which is an open-ended account is 4 years. 
This is LVNV formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop reporting erroneous information on my credit report as per consumer law 15 USC 1681b ( a ) ( 2 ). Consent is needed for everything reported on my credit report. When was consent given to you to report this collection? It was apparent you ignored it the first time. Also as per consumer law 15 US Code 6802 - Obligations with respect to disclosures of personal information section B1 ( Opt Out ) it states a financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party. 
In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. LVNV did not give me this right. Again, it was ignored. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. I want this collection to be removed from my XXXX and XXXX credit report immediately.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2024-06-22
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-06-22
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. (FL)

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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Smoke to all 3 credit beauras stating that the inquires on credit report where not authorized. Citied " per the FCRA, unverified and unauthorized items must be removed. 

Per XXXX, 24hrs after submission they state that the information is accurate per there investigation. 

Per XXXX, simple process to remove after investigation. 

Per Transunion, file complaint with
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed today that there was an hard inquiry on my credit report from Capital One. I have asked XXXX XXXX and XXXX to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a credit care or any line of credit with Capital One. Ive also had to put credit freeze on my accounts with each bureau.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-06
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)

Dear CFPB : I am in disagreement with the closure of the claims I submitted against XXXX, Equifax and XXXX regarding three very inaccurate outdated accounts under my social security number and credit report. I mailed nearly 12 letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these three credit bureaus. I would like to exercise 15 U.S. Code 1681i ( 5 ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA U.S. Code 1681 ( e ) b Accuracy of report. This account has the date of last payment listed under two different years ( XXXXXXXX XXXX XXXXXXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXXXXXX XXXX  - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This company can not provide proof of such late payments. How are there 6 late payments under Equifax, 5 late payments under XXXX and 7 late payments under XXXX? This is entirely inaccurate, unfair and unverified and violates 1666b which is a clear error in the timing of payments.

Ability Recovery - This account violates the HIPPA law or would if the credit bureaus could even retrieve validation of this account that I have requested under 15 USC 1692g. Since medical information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of 1681i ( 2 ).
Consumer complaint received 2024-03-14
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. (TN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2024-03-13
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)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-22
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. (OH)

I was monitoring my credit score evening of XX/XX/year> and noticed my score had decreased. I then noticed that a XXXX XXXX XXXX XXXX  XXXX was opened on XX/XX/year> in my name and showed up on my credit report. This was not done by me or anyone in my family. I called XXXX XXXX credit customer service at phone number XXXX. They did freeze the fraudulant account. They did confirm there was a {$800.00} credit limit on card with {$600.00} already spent on the card. XXXX XXXX credit card service then said they will forward my information to their fraud department and I will get information in the mail regarding the fraudulent activity. I then applied a fraud alert on XXXX.
Consumer complaint received 2024-03-13
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. (GA)

As a victim of identity theft, I discovered several unauthorized inquiries on my report, are as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXXXXXX XXXX XXXXXXXX claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which XXXXXXXX XXXX XXXX has failed to do as the law requires.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.