davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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)

I have identified information on my consumer report that are result of identity theft, these items are not related to any transaction completed by me the consumer. 

Pursuant to 15 U.S.C. 1581b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instruction of the consumer to whom it relates. with that being stated if they can not produce a written affidavit signed by me with a wet signature all the following should be removed from my consumer report. 

Inquiries- XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

My daughter XXXX XXXX XXXX ) and I ( XXXX XXXX ) applied to rent an apartment with XXXX XXXX XXXX XXXX in XX/XX/year>. We did not complete the application, as it was a nightmare and no help from staff. I filed a complaint with XXXX XXXX, and requested by email that the {$650.00} application fee be refunded. The XXXX stated she would send in the request for the refund and would CANCEL the application. We received a check from the XXXX XXXX XXXX for {$650.00}. I deposited the check into my bank account, and in XXXX days the check FROM XXXX XXXX had a STOP PAYMENT put on it, and the amount was taken BACK OUT of my checking account. I contacted my credit card company used for the application fee, and filed a dispute for the {$650.00}. They investigated and I received {$650.00} on my credit card within 30 days. Then we both received a letter from XXXX XXXX XXXX stating that we owed the {$650.00} XXXX an {$200.00} additional for NSF, total {$850.00}. XXXX XXXX took back the money - I did not have NSF in my bank account to cover any check as I did not write a check TO THEM! I sent ALL the documentation and XXXX XXXX email info to XXXX XXXX XXXX, and they replied that they found in XXXX XXXX 's favor, and that we still owed them {$850.00}. I sent XXXX more documentation, and they sent another letter stating that we still owed them {$850.00}. Both our credit scores have gone down with all XXXX credit bureaus. I am uploading a letter describing all the information in more detail and also uploading additional documentation. XXXX XXXX XXXX has an " XXXX  '' rating with the XXXX XXXX XXXX for attempting to collect money for company 's falsely stating money is owed by customers. Even after all the documentation is sent to them to show that we do not owe the money, their investigations still side with the apartment companies.
Consumer complaint received 2024-02-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC (IN)

This is actually a Workmens Comp. claim because I was injured at work and it required XXXX to fix it. I have told them repeatedly that its Workmens Comp. and gave them the information to contact and they keep calling me to pay it.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

On XXXX XXXX XXXX is the date on a letter that I recieved from American Express regarding my XXXX XXXX ending in XXXX. The letter advised they took my no preset limit and reduced it to a {$4700.00} limit. Their reasons of doing so are invalid. They stated that based on my credit report, I am or were past due with another creditor. Secondly, I have too many requests for credit. I have contacted XXXX and they have stated when i called them on XXXX XXXX XXXX that they do not know where American Express has obtained such negative and derogaratory information. XXXX assured me that AMEX was not provided any negative information about me regarding the letter dated XXXX XXXX XXXX I did obtain a copy of my XXXX credit report on XXXX XXXX XXXX and my XXXX was XXXX. Today, during this complaint, My XXXX  is XXXX with XXXX. I would not have a high credit score if what AMEX is saying is true. However, on XXXX XXXX XXXX I had 2 inquires, as of today, XXXX XXXX XXXX I only have1 inquiry. I would like to know where AMEX has obtained such false records about me and my credit. I did overnight a 170 page XXXX Credit Report to American Express at XXXX XXXX XXXX XXXX XXXX, TX XXXX with tracking number XXXX via XXXX. The actions you took on my account was uncalled for and unethical. I am not paying you ( AMEX ) a {$690.00} annual fee to have a credit limit of {$4700.00}. What benefit is there to pay {$690.00} annual fee for a {$4700.00} credit line. You have until XXXX XXXX XXXX  to get my account restored back to no preset limit.
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I reached out to the company in XXXX  via telephone because my written correspondence was going unanswered. Ive advised the representative that I am a victim of identity theft and I have not applied at this property. All the representative did was repeat over and over how hard it will be for me to dispute it and I need to pay. I then sent written correspondence again with certified tracking. The information shows the correspondence was delivered. The representative advised she has no knowledge. She keeps trying to get me to send documents via email. I then told her my attorney advised to continue mailing my information. Once she heard attorney, she said she could no longer speak with me and hung up the phone.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. 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 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 2024-06-16
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. (MS)

I am the author of this complaint. I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I submitted a dispute to the CFPB and this credtor claimes to have verified the account. I would like to request the method of verification and validation of the debt. Please provide documentation bearing my signature showing that I agreed to pay this creditor. 

I have attached dispute letters below, showing proof of identity along with other accounts that need to be deleted from my credit report
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

These accounts are reporting derogatory payments to the credit bureaus and this is a violation. I am requiring you to remove the derogatory payments asap. 15 us c 1666b XXXX XXXX Discover XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand XXXX XXXX  be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and transunion please remove it immediately
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC. (CA)

Received a call from ( XXXX ) XXXX on XX/XX/year> at XXXX XXXX in which the following voicemail was left : " Hello, good afternoon I'm calling on behalf of the Premier Group. I am trying to reach XXXX XXXX, it looks like we're trying to get some paperwork scheduled out on behalf of our client. They are requesting for the legal action due to extended non-response and non-payment. Looks like we got you down for XXXX XXXXXXXX XXXX If you wish to avoid that action please respond at this time or have your attorney do so on your behalf. That telephone number is ( XXXX ) XXXX. Thank You. '' They did not identify themselves as a debt collector and threatened legal action if I did not call and respond. This is a clear violation of the FDCPA as they are threatening to sue me when my only income is a XXXX XXXXt that they are not able to touch!
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24, I received an email from Chase stating that they are going to close all of my accounts. I was a bit confused, so I called Chase. They confirmed that they will close all XXXX of my credit card accounts. I was shocked, so I asked them about the reason, but they did not tell me and only said it was their final decision and they wouldn't be able to reopen the accounts. 

I was confused because I have been a loyal customer to Chase for XXXX  years, always paying all my bills on time and never having any late payments. My credit usage is neither very high nor too low, and I have not abused any of the credit card benefits or rewards. The only recent action I took was opening an authorized user account for my father, but he is my only authorized user on my account, and I'm not abusing the additional user feature. 

By closing my accounts, my credit card report could be damaged. Chase is XXXX of my earliest credit card accounts, and I sincerely hope they do not do it.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. XXXX in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

I took out an original loan from Care Credit through Synchrony Bank for my son 's dental work. It was less than {$2000.00} loan I believe. The company took out auto payments for 2 years. Recently, I noted that I was still paying and my balance was not going down. When I investigated on their website, I realized that I had a No Interest " special '' that ran for the first 24 months which I am sure was in my original agreement so I am not disputing that. What I am disputing is the notification as that period was about to expire which I do not recall receiving anything about- via email or regular mail. The interest essentially more than doubled the balance ( > {$1400.00} when balance was {$1300.00} ). I called today to ask about it because I honestly had not recalled that was part of the deal when I signed up 2 years prior and had not received any timely notification when it was about to end. I asked if I could make any arrangements to have that interest reduced if I paid the loan off entirely? The rep said that was not an option. The interest was there and there was nothing I could do but pay it off. Although, again I fully acknowledge that it I am sure said something about this when I first signed up ( through the dentist when my son was needing the dental work ), I feel as if this is gouging the consumer and doing so intentionally with no timely communication reminding you that the interest was going to double the loan and it was going to now take 13 years to pay off a {$2500.00} loan. That is taking advantage of consumers.
Consumer complaint received 2024-08-06
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX I paid my bill and it confirmed that I paid I checked a week later they still havent took money from my account so I called them the lady stated that everything was resolved but it wasnt they end up closing my account and adding all interest charges late fees and all other things was going on with the account
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (IN)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-16
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. (KY)

XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> :
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed XXXX XXXX XXXX XXXX  account # ( see attached documents. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I have a credit account showing on my credit report from Wal Mart. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Wal Mart by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Wal Mart, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Consumer complaint received 2024-06-18
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. (NC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-06-16
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. (KY)

Self Financial / Lead Ba Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.