davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (MN)

Had some fradulant transactions on my Card.com premium Card and disputed it with them with police report and all information that is was fradualant. and they denied my disputed. refused to give my money back and closed my account which hurt my credit and cant open any new accounts. as they were unauthorized and my card was stolen sent dispute form with police report
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( 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 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 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I trust this letter finds you well. I am writing to bring to your immediate attention an urgent matter regarding inaccuracies in my credit report. After a thorough review of my credit history, I have identified late payments erroneously reported on my account. Given the urgency of this matter and its potential impact on my financial well-being, I am requesting an immediate correction or removal of the inaccurate late payment entries. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. It is critical that these inaccuracies are promptly addressed to prevent any adverse effects on my creditworthiness. 

XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service I urgently request a swift investigation into this matter, and I kindly ask that you take immediate action to correct or remove the inaccurate late payment entries from my credit report. Your prompt attention to this issue is crucial in preserving the accuracy of my credit history and preventing any unwarranted negative impact on my financial standing.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian did not update my credit file for over two years. I have contacted them several times about the issue only to be told by every department let me transfer to someone.thqt handles that. After 3 complaints with this department it was finally updated. 

I was offered a refund if only a few months that I paid for the service of a monthly membership before canceling due to not having access to my file. This has caused me XXXX and losing of the motivation I had to correct my finances. 

The only thing I was offered was a refund ... .WHICH I NEVER RECIEVED. REFER TO CLAIM XXXX AND XXXX MY CLOSED XXXX  ACCOUNT IS STILL REPORTING A BALANCE THAT IS INCLUDED IN MY " CURRENT '' CARDS RATIO. I INTEND TO CONTACT THE FTC AND ATTORNEY GENERAL AS THIS HAS BEEN 3 YEARS WITH NO REAOLUTION. 


AND I HAVE CONTACTED CUSTOMER SERVICE AT EXPERIAN TO INQUIRE ON THE SMALL REFUND I WAS OFFERED AND AGAIN WAS GIVEN NO ASSISTANCE.
Consumer complaint received 2023-12-14
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc. (VA)

I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.
Consumer complaint received 2023-12-14
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. (NC)

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 XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WI)

XXXX block the account so l couldn't be able to give accurate information Always have to wait 30 days which it does sho late on the account and then my credit scores decrease. And when l requested credit it shows late payments which not true
Consumer complaint received 2023-12-14
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)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the XXXX investigation period, as stipulated by FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-04-04
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. (OK)

I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of information
Consumer complaint received 2024-04-04
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (CA)

Hello, There is a serious problem with Synchrony bank. I had 7 different store cards and credit cards with Synchrony bank. They closed them suddenly in one day. Some of them had small balances and they reported to the credit report them as " settled amount. Please read the info below ; -I have XXXX credit score. Using Synchrony cards everyday since 2016 and pay full balance every month. 
-I never had any late payment with Synchrony or any other bank card, loans etc. Everything is on time. 
-I have a very clear credit report with only % 8 utilization that are always paid in full every month. 

2 days ago I woke up with bunch of emails. Synchrony closed all of my accounts for nothing. Called customer service and they were even confused why it is happened.

Amazon store card {$590.00} balance of {$20000.00} limit. 

Paypal Mastercard {$350.00} balance of {$20000.00} limit. 

XXXX XXXX {$1.00} balance of {$10.00} limit Synchrony car care {$1400.00} balance of {$10.00} limit XXXX XXXX XXXX {$0.00} balance of {$3500.00} limit Paypal credit $ XXXX of {$5000.00} limit XXXX card {$1200.00} balance of {$6000.00} limit ( They approved this card 2 days before closing all the accounts ) Now serious problem starts here ; Cards with balances reported to my credit reports as ''settled amount '' I've got an email from XXXX XXXX XXXX says ; " It looks like you settled an account with a lender. When you settle an account, you negotiate a lump-sum payment with your lender to pay back part of what you owe so that the rest is forgiven. '' For those balances statement not even closed yet. I did not even get the statements to pay the balances.

-I never wanted to close the accounts.

-I never attempted to not pay the balances or never attempted to negotiate for settlement. 

I always pay the full amount after they send me the statement. 

I really need an assist with this situation since it damaged my credit score so bad. I'm in the middle of renting a house and I can't right now. 
I've never ever experienced anything like this before. 

Thank you.
Consumer complaint received 2024-04-04
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. (TX)

Experian was notified on XX/XX/2023 that they were reporting inaccurate information on my credit report regarding account XXXX XXXX XXXX XXXXXXXX. It has been 11 months since my dispute letter and only XXXX and XXXX have removed this account. Experian failed to provide information as to how they validated this account, and it has caused me to believe that they did not do an investigation. I will attach my dispute letter which is dated, and time stamped. I am demanding that Experian follow suit and remove the account from my credit report due to FCRA violations.
Consumer complaint received 2023-12-14
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. (FL)

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXXXXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXXXXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. 

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXXXXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXXXXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXX  lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to XXXX and Transunion as well as XXXX, and all 3 bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with one another.
Consumer complaint received 2024-04-04
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. (NY)

By Federal Law In 15 USC 1681 ( C ) -2 Block of Information resulting from identity theft of a - 4 Day Block of Information Removal, that's correlated in 15 USC 1681 ( A ) Definitions ; Rules of Construction ( D ) ( 2 ) Exclusions ( I ) The Term Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; such as collections, repoessions, charge-offs, charged-off as bad debt, late payments, debit to income rational, credit utilization, inquiries any other and all derogatory remarks etc.

that would put a detrimential affect on his/her consumer reporting file.

I'm will be seeking {$1000.00} per violation in a separate invoice attached to my Consumer Financial Protection Bureau report in 15 USC 1681 ( N ) for Civil Liability for Willful Non-Compliance and other Civil Liabilities for any derogatory remarks on my consumer file solely to transactions and experiences to all creditors that reported this illegal excluded information to my consumer report.
Consumer complaint received 2019-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Ad Astra Recovery Services Inc (MO)

I received a payday loan from XXXX XXXX back in XX/XX/XXXX I fell behind on payments and the account was sent to a collection agency Ad Astra I was contacted by them regarding the debt that was placed in their office by XXXX XXXX. I mad arrangements to pay weekly of XXXX. two weeks ago approximately I contacted them to let them know that I was off work to me being a XXXX XXXX XXXX and and I needed the payments to resume the following Friday after I returned to work. The rep put the payment in for the Same week which XX/XX/XXXX and not the following Friday. I received a call about the payment and I did let them know that I couldnt make the payment until the next week and let her know to put it in the for the next Friday. So as of right now the debt was put on my credit report as derogatory. Iam more then willing to pay it off but somehow it was a miscommunication on their end. I want this to be removed because it is affecting my credit negatively and resume payments so it can be paid off as I agreed to with no problem.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Since XXXX until now I have been sending Experian certified letters ( see several attachments ) requesting that they correct inaccurate and incomplete information that they have continued to list in two XXXX XXXX accounts on my Experian credit report. Despite my letters and information from the original creditor that contradicts them, Experian has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : These accounts are reporting me dead despite me providing Experian with Proof of Life ( see attachment ) and multiple telephone conversations where they verified I was alive, 2. These accounts are still reporting Account Balances of {$1100.00} and {$4400.00} even after they have been discharged by XXXX XXXX  with 1099Cs ( see attachment ), neither of these balances should not be on the report, 3. These accounts are missing all the Payment History from XX/XX/XXXX to XX/XX/XXXX as well as showing no positive Payment History before the closure of these accounts ( see attachment ), 4. These accounts are not reporting the Date of Last Activity, the Date of Last Payment, the Date of 1st Delinquency and the Date Closed ( see attachment ), and 5. Without those dates, the Drop Off Date is incorrect.