davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I gain a free copy of my credit report from www.annualcreditreport.com and I noticed that my XXXXCare Credit account is reporting my account as closed. 

I would not have known my account with Synchrony/CareCredit was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from Synchrony/CareCredit is upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has Synchrony/CareCredit informed me that they would be reporting my account as closed when I have just had their card for XXXX year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with Synchrony/CareCredit in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see CareCredit reopen my account and update this status on my credit report.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (IL)

I have my Mortgage through XXXX XXXX XXXX. I called them the early part of XXXX when I received a letter about mt Escrow shortage. They explained to me that I will have to call my old insurance company myself to request the money back that my mortgage company paid when I had found another home owner insurance company. However, I called and requested the money back from me mortgage company that had paid them from my escrow account. I have now been calling them since Saturday XX/XX/2023 until current today XX/XX/2023 to put money back into my account to get my payments back low. The website was down all this time, the call center was closed and a recording stated the no one can access your loan information at this time due to a system outage please try again later. Noone from this company sent out any notification to the customers and they just left everyone in limbo. I finally received and email today stating the website is back up and running. I tried to call again today and no one is still answering the phones they keep hanging up like it's after normal business hours. This is not professional at all when it comes to someones home and not knowing what's going on and can't talk to anyone from a big financial company as XXXX Loancare suppose to be. I'm not sure how and when I can speak with someone to get my issue resolved and taken care of. I have no other choices because it feels like my mortgage company shut down with no other options made available to there clients. Someone needs to address this and someone needs to be held accountable for some nonsense like this.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MI)

I was notified by XXXX XXXX XX/XX/2023 that my SAVE account ( XXXX XXXX  XXXX XXXX ) was placed on hold. The link they provided to gain more information did not work, it sent me to a page to start a Credit Karma XXXX account instead. I chatted with a service agent on their site who escalated the problem. I received an email saying they were unable to provide any more information at this time. My money was unable to be accessed for transfer on the site during this time. A week later I emailed them again as it was still on hold. They again said there was no information available about the hold. 
" Unfortunately, no other details can be given at this time. We appreciate your patience and cooperation while your account is under review and we apologize for any inconvenience. You will be contacted once your case has been resolved. '' I received no further communications from them about my account status. A month later, I was able to transfer my money out. I chatted with an agent again and they said the hold was still " under review '' and they could not provide any more information.
Consumer complaint received 2023-11-29
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, under law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
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: LEXISNEXIS (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (KY)

The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.
Consumer complaint received 2024-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I noticed some hard inquiries on my credit report that i did not respond or authorized and i would like them removed from my credit report this is from XXXX i had XXXX hard inquiries that i didnt authorize XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXX
Consumer complaint received 2023-11-29
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. (GA)

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts 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
Consumer complaint received 2023-11-29
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (GA)

On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. Experian has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXXXXXX accounts as they should. The other bureaus XXXX  and Experian are still reporting an account which they should be in compliance with XXXX. XXXXXXXX XXXX XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.
Consumer complaint received 2024-04-18
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. (CO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (KY)

I have sent certified letter numerous times asking for them to send me a detailed itemized copy of the bill. I was charged {$1100.00} they refuse to give me an itemized copy. They did send be a bill that was broke down into groups but not a detailed copy, I Believe by law they have to. The company is Commonwealth Financial the address XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-29
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. (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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX 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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Billing me for loans I did not take out or authorized. I did not sign or give permission to anyone to sign for me
Consumer complaint received 2023-11-03
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I have discovered instances of identity theft on my consumer report, which appear to be clear violations of state law and federal law, specifically 15 U.S. Code 1681c-2. I have not provided my explicit consent for any of these accounts to be reported without my expressed, written consent ; nor when I initiated and opened these accounts was I advised that these private transactions would be reported. This violates the very right to privacy I am seeking to protect, to which the agency is depriving me of. Furthermore, if the agency refuses to remove these accounts, not as a matter of accuracy, to please supply proof and evidence that you are non a non-affiliated, for-profit organization possibly profiting off of the reporting of these private transactions. If you lack my permission to report, which you do, these accounts shall not be reported. Please remove these accounts immediately. There should be no verification or validation and I do not consent to you communicating with the accounts I demand be removed. This, as well, violates my right to privacy. The accounts belong to me, so accuracy is not the issue. These violations stem from unauthorized transactions executed without my explicit consent, leading to the reporting of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Furthermore, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft happens when information is obtained and shared without your expressed written consent or knowledge and this is what happened. The credit reporting agency lacks evidence that proves you provided consent to have these private transactions and accounts reported per the Fair Credit Reporting Act.
Consumer complaint received 2024-04-18
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. (TX)

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There are XXXX account that show paid off but they show late payments and also shows repossession but pay in full never had late payments nor repossession if it was reposed I would of never paid it off completely it wouldn't be in my possession. 
Please update the payments to paid as agreed and remove that repossession. 
Account info Account name XXXX XXXX XXXX Account number XXXX Payment history guide XXXX  days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Repossession as of XX/XX/XXXX XXXX
Consumer complaint received 2023-11-29
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. (AL)

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;