davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The following accounts has late payments which is wrong. The following accounts never had a late payment : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX The following accounts are past the seven year statute of limitations and has to be deleted ; Account name XXXX XXXX  XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. 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 :
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NV)

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Consumer complaint received 2023-11-21
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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 2023-11-21
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: Experian Information Solutions Inc. (NC)

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 2023-11-21
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My home loan was purchased by SPS Select Portfolio Servicing and my loan was modified during the pandemic to 3 % and was owned by XXXX XXXX. After the modification I paid my monthly mortgage payment of {$1500.00} every month. In XXXX of XXXX SPS Select Portfolio Servicing acquired my loan and I signed up for automatic withdraw from my bank account. XXXX, XXXX, XXXX and XXXX they deducted the agreed {$1500.00} for the principal and interest on my loan. Then in XXXX they sent me an inaccurate Escrow Analysis and without my permission deducted {$3300.00} from my bank account for the XXXX payment. 

I have already paid my XXXX taxes for the year and sent them proof multiple times that the taxes were paid. I mailed the receipt as well us uploaded the receipt to their system. 

They just sent me a new Escrow Analysis that is still not correct and states that they have to collect taxes for the XXXX XXXX payment which I have already paid. 

They also stated that if I don't send them the escrow fees then they will put a late charge on my credit file. They are trying to collect property taxes and I have already paid my property taxes for the year. I have also already paid my property insurance and I have sent them proof of both payments so there is no reason to send me an escrow bill or to try and demand escrow fees of an additional {$1800.00} a month for taxes and insurance that I have already paid and showed proof.
Consumer complaint received 2023-11-21
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. (IL)

In accordance with the Fair Credit Reporting Act these accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-08
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. (CA)

I was affected and harmed by the data breach and discovered misuse of my information.I am now maliciously harmed and damaged by the misconduct & negligence of this agency to whom I hadnt given written approval to sell, collect and or distribute my information- in the first place.Equifaxs negligence led to a security breach exposing my personal identifying information to the dark web and to my identity being compromised and stolen.Equifax offered to help with identity restoration, from the same security site that was breach no thank you and if I were to accept I have not heard anything from them.I would like them to be held at the highest penalty possible.They could care less about the people.They are thieves.I will never be able to fix my identity.
Consumer complaint received 2023-11-21
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. (IN)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I sent a personal information update to all XXXX credit bureaus asking all my personal information to be updated and removed all old address connected to my report. My address has been updated with correct address and removed information with XXXX and XXXX. I have contacted Experian and advice to have my address updated and was advice that they can't see any address on my report. Also, that it was still under investigation.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (TN)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. Experian XXXX XXXX is reporting negative information from XXXX XXXX XXXX  despite XXXX  police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I asked XXXX to delete late payments and adverse accounts showing collection or charge offs. I did not give written consent for these adverse accounts to be reported on my credit report, further more XXXX had a security breach in which my information was impacted. My life has been negatively impacted by this as I can not get the credit that I need at this time.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XXXX XXXX I contacted both XXXX and Equifax by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (MD)

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 2023-11-21
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-21
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. (IL)

I am writing to raise concern with regards to unauthorized inquiries on my credit report. I never gave consent to these items and I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA took over my bank ( Simple ) and the transition was supposed to be " seamless '' - was set to go into effect this past Saturday, however their entire system crashed leaving me without access to my money for three days and counting. Their call center wasn't accepting calls over the weekend and it's now Monday and I've been on hold for hours trying to get in. The system keeps hanging up on everyone. There HAS to be a penalty for keeping people locked out of their account for 72 hours.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I believe they add more or extra things and they shouldn't add to my loan also I never receive ant benefit also Toyota financial services have been falling in sending my loan closing letter to receive my gap or whatever terms still pending and the dealer ship where I got havent helping me out to get I spoke before with sales XXXX and nothing including the guys who prepare the paper work in the back
Consumer complaint received 2023-04-21
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC (CA)

The original debt with Denefits was {$6500.00}. I only had access to the school program for one month and noticed no real curriculum, information and training was not provided. I requested to end my time with the school back in XX/XX/XXXX. Denefits continued charging my bank account months after, even though I no longer had access to the school program curriculum. I've had my bank stop all payments to Denefits. Since XX/XX/XXXX I've received threatening phone calls every single day. They literally won't stop. I receive threatening text messages from new numbers weekly. They have reported negatively on my credit report over 180 which isn't legal. They've threatened to sue and ruin my life. I'm tired of all of this foolishness. Please cease all communications from Denefits unless by mail only..I want all of our communications in writing from this point on.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (FL)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (NC)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MD)

I don't recall having a contractual relationship with this collection company AmSher Collection Services Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX I attempted to call Citi and close my checking account, I was told the account was locked and I needed to send a letter asking that my account be unlocked. I sent the letter and received a letter dated XX/XX/XXXX that I needed a notarized signature to close the account because my account was locked. 

I never asked to have the account locked, it was done without forewarning or an opportunity for me to ask the account not be locked. 

As there are no Citi branches in my area, getting a notarized signature will create undue burden and cost. I now must take time away from my job, pay a fee, and mail a second letter just to get access to my funds. 

Additionally, I was not told I needed a notarized signature in my original XXXX phone call, I was told sending a signed letter should be sufficient. 

I am attaching a summary of the phone call with Citi on XX/XX/XXXX and their requirements to activate my account as well as the letter dated XX/XX/XXXX with the additional instructions. 

All I want to do is close my account and Citi is creating significant barriers to doing so.
Consumer complaint received 2023-12-14
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (DC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

Regrettably, the response I received from your team was lacking in detail and did not address the core aspects of my request. As a result, I am compelled to follow up to clarify the details and seek a more comprehensive response that aligns with my needs. 
Please respond according to my request. 

Synchrony Bank allowed a transaction that I did not authorize, for the amount of {$7600.00} for furniture that I did not accept, I rejected the delivery and I did not provide my signature on the delivery paper. I want to proceed with the arbitration, I already contacted the XXXX XXXX XXXX XXXX, and they sent me a form, I need the bank collaboration to continue with this process. I am kindly asking Synchrony Bank to assist in completing the necessary sections of the arbitration initiation form. Specifically, I kindly ask Synchrony Bank that you provide the following information : XXXX. Identify the requested city and state for the hearing if an in-person hearing is held : City : State : Select ... XXXX. Please provide contact information for both the Consumer and the Business. Attach additional sheets or forms as needed. - Business information - Business representative XXXX. A clear, legible copy of the contract containing the parties ' agreement to arbitrate disputes. I attached the XXXX arbitration form.