davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (NV)

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 {$4.00} and XXXX XXXX XXXX # XXXX. Balance XXXX ; has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-02
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)

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (WI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2023 I sent feedback to my complaint # XXXX that was originally filed on XX/XX/2023. I received no response to my questions on XX/XX/2023 regarding your response on XX/XX/2023. Here are my questions from the complaint # above. 

Thank you XXXX XXXX XXXX for your response to my questions. In your 4th through 6th paragraph you state that there are multiple reasons why my deposits won't post as a credit to my account. I have a few questions about those reasons. 1. In your 4th paragraph you state that a stop payment could effect this. I can understand if Synchrony was receiving a paper check by mail because those take many days. But this payment is processed through electronic payment from one bank to another and as you can see from my attachments it happens within a few days. Also XXXX policy states that it can not stop payment on a payment after its been paid. You can see this in the " Stop payment of checks '' section in the link provided below. I believe that since the payment shows up in my XXXX XXXX account XXXX can not stop this payment and this first reason is not valid reason not to post it as a credit to my account. https : XXXX? XXXX XXXX. You also state that a " large number of payments made within a specific time period '' could cause this to happen. Could you please specifically explain your definition of a large payment, and how you calculate that large payment when it relates to my account. Also could you please explain what specific time period you are referring to. I make one sometimes two payments a month. Does two payments in a 30 day period cause this? If so could you please tell me what amount and time period I should be paying to keep this from happening in the future. 3. You state, " previous returned checks '' I have never had any returned checks. Please let me know if this could be a reason. 4. " Payments on new accounts '' please explain what a new account is and if I fall under this category. If I do could you please give me a time period when my account is no longer considered a new account. 5. " Out of pattern payments '' please explain Synchrony 's definition of out of pattern payments. As stated above I will usually make XXXX, possibly XXXX payment a month. I pay on or around the XXXX of the month and maybe XXXX in the middle of the month to bring my available credit back up. 6. " Amount of payment '' please explain what dollar amount of payment is considered large in my situation. I know you may not be able to give me the specific answers to my questions. If not I would greatly appreciate it if you could escalate it to someone that can answer them so we can get this handled and so I can make an educated decision how to handle this account. Thank you for your help.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 XXXX 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 2024-05-02
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: EQUIFAX, INC. (GA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was a victim of your data breech and have been trying to remove incorrect and unvalidated information from my report to no avail. I have spoken to several attorneys who advised me to file a suit for the data breech and incorrect info but I dont wish to do that and just want my credit report corrected. I have resubmitted disputes and please address and remove this incorrect and negative information as it is stopping me from buying a house for my family. 

Thanks
Consumer complaint received 2024-05-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the validity of an account that appears on my credit report. The accounts in questions, XXXX, XXXX, XXXX, XXXX has been reported as opened without my authorization and contains charges that I did not make. 

I became aware of potential identity theft and fraud concerning my personal information back in XXXX. As a precautionary measure, I contacted the appropriate authorities and was advised to freeze my credit until the issue was resolved. Despite taking this action, it appears that my concerns were not adequately addressed, and unauthorized activity has still occurred on my credit report. 

Under the Fair Debt Collection Practices Act, Section 1692c ( e ), I am entitled to dispute the validity of any debt claimed by a debt collector. I am exercising this right and requesting immediate removal of the aforementioned account from my credit report.

I urge you to conduct a thorough investigation into this matter and provide me with written confirmation of the actions taken to rectify this situation. Additionally, I request that any charges associated with this unauthorized account be removed promptly to prevent further damage to my credit standing. 

Please consider this letter as a formal request for resolution under the provisions of the Fair Credit Reporting Act. I expect a timely response and resolution to this matter. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
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. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

My student loans were forgiven on XX/XX/2023. As stated on the attached documents I paid the qualifying XXXX payments over and I am to be refunded the overpayment I made on these accounts. I contacted Mohela and they stated they mailed two refund payments to me in the amount of XXXX and another in the amount XXXX. I informed Mohela that I did not receive any refund payments. Mohela stated that they sent the checks to an address that I did not have on file. The address I have on file is listed on all documents I have uploaded, this address was also on file with the Department of Education. They agreed to put a stop payment on the checks and reissue. I still have not received any payments. Each time I have called to check on the status, I have been told conflicting information. I was told there was no stop payment placed first, then I was told it had been mailed out and would arrive which it did not. Then I was told there is a delay with disbursements of refunds due to the Department of Education and that the Department of Education is responsible for refund issuance and they can not get any information from them on the status. I have made multiple calls to this office and asked for a supervisor was transferred to non-supervisory staff anyway. I have been placed on hold multiple times for over an hour. When I ask for email correspondence XXXX am refused, they will not submit any information to you in writing.
Consumer complaint received 2023-09-21
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

***SEE ATTACHED DOCUMENT! *** INCORRECT 60 DAY LATE on XXXX XXXX In reviewing my recent credit report, I discovered you are still incorrectly reporting a 60 day late payment on XXXX XXXX  in XXXXXXXX XXXX 

This is inaccurate, as I made the XXXX payment. 

See the attached screenshot directly from my Equifax site. 

It is literally impossible that I went from ON TIME AND PAID in XXXX to 60 DAYS LATE in XXXX. The math does not work. 

This is very obviously impossible and inaccurate. As a matter of law under the FCRA, this inaccurate data must be deleted. 

Please send me an updated copy of my credit report showing that you have deleted the incorrect late payment. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (CA)

Mobile loans is not licensed to to conduct business in the state of California I took out the loan because I was going through financial difficulties. I told company that I wanted to pay the loan but under lower monthly payments. Mobile loans recently also changed their terms and conditions and revised my contract and raised my interest rate over 30 percent. When I believe the rate to be a fixed rate. I also stated that I wanted to close account to stop accumulating interest and they denied all my request and had little answers.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of this year I received a call from XXXX XXXX XXXX ( XXXX ) regarding a {$10000.00} outstanding PayPal debt through a XXXX XXXX. They followed with a phone call 3 weeks later. XXXX had sold this debt to XXXX, and XXXX was trying to collect this from me. I have NEVER had a PayPay account and made this very clear to them. Still they have been calling and sending forms. I spoke to to XXXX this morning because they said they needed more information. When they asked for my address, I gave it to them which they already had. They also have an address for a XXXX XXXX at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX. I asked why they hadn't pursued this and couldn't get a reasonable answer. XXXX offered me a settlement which I declined because I'm not going to pay for something that's not mine. XXXX only wants to collect this debt. I need this to go away because it dropped my credit rating from the high XXXX range to the mid XXXX 's. Please help me with this. 
Thank you.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I tried to deposit {$5000.00} ( all {$100.00} bills ) into Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, WA ), but after I put the cash into the ATM, it showed " There are some errors with the ATM. The transaction couldn't continue '' and I got a receipt. I inserted the card again and wanted to resume, but the ATM said it could not work now due to some issue. 
I went to the nearby Chase branch immediately. Chase clerk XXXX helped us file the issue to the Chase system and promised I would get {$5000.00} credit on my account in XXXX business days. I got the credit 5 days later. 

However, on XX/XX/XXXX, Chase reverted a large amount of the credit- {$4900.00}, and sent me a letter that only {$84.00} could be honored. I went to the same branch on XX/XX/XXXX and asked for an escalation of the investigations, but XXXX kept the same response for the escalation. Also, I filed a complaint to XXXX 's customer satisfaction department. On XX/XX/XXXX, the XXXX XXXX department kept the same response for this investigation.
Consumer complaint received 2023-12-03
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)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

XXXX the amount of {$66.00} and {$100.00} were used on XXXX on my debit card. I was driving for a work event and got the fraud alert. I immediately cancelled card and reported it. The bank then refunded a majority of the fraud but denied the charges listed above. I requested info on what state the transaction took place so I could prove it wasn't me and they mentioned the charge was processed in California but they can't tell where it was made. I've never been to California.
Consumer complaint received 2024-05-01
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. (NY)

The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely removed from my credit report.
Consumer complaint received 2023-09-21
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.