davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history.

The incorrect names on my credit report are causing a negative impact on

my credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help corr
ect errors and ensure the accuracy of their credit report.
Consumer complaint received 2023-10-12
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. (TX)

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.

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 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OR)

Hi CFPB Staff, I made a purchase from XXXX XXXX XXXX XXXX XXXX  under the premise of receiving an additional {$150.00} statement credit on my Synchrony/XXXX XXXX XXXX  ( attached as Confirmation & Order Status for your Order # XXXX ). This is a Synchrony provided store card for XXXX XXXX. I based this premise on the promotional email which I have included ( attached as Get up to a {$150.00} credit! XXXX XXXX ). 

I complied with all the terms of the offer : Making the purchase between XXXX and XXXX ( XX/XX/XXXX actual purchase ), making monthly payments on time, keeping my account in good standing, and submitting a request for the credit to Synchrony in a timely fashion ( Done on XXXX, attached as Synchrony XXXX XXXX - Your Submission ID # XXXX, includes some unhelpful back and forth with Synchrony rebate support ). 

Here 's a record of the contacts I was able to find in my logs and emails. 

XXXX Email reply to Synchrony request submission email asking for update, was told I needed to wait the full 90 days after the promotion ended by XXXX XXXX. 
XXXX XXXX around XXXX. Can't remember the name of the agent. Spent most of time trying to get them to understand what the problem was. Zero help. 
XXXX Outgoing @ XXXX to XXXX. Spoke to a woman whose name I do not remember, she said she could see the submission and there were no issues, asked me to be patient and wait for it to be processed. 
XXXX Outgoing @ XXXX to XXXX. Got through the automated system and the call was disconnect by XXXX rebate center. 
XXXX Outgoing @ XXXX to XXXX. Spoke to XXXX XXXX this time over the phone instead of email. Told me she couldn't help me, and I needed to call the main line. Denied my request to speak with a supervisor. 
XXXX Outgoing @ XXXX to XXXX. Spoke with XXXX who claimed he put in a request for management review and that I would receive a written decision within 5 business days. I never received anything via email or mail afterwards.
Consumer complaint received 2023-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lotane & Associates, P.A. (FL)

I have been getting repeated calls from lotane and associates P.A XXXX saying i owe a money. The that was owe was settle though a judge. In which i have invoice showing that i have payed them. I keep getting phone calls say owe money. Which was settled on XX/XX/2023. I have called them multiple time say it is harassment do to me already settling the money that was owe in he amount of {$2000.00}.
Consumer complaint received 2023-08-31
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Creditor Service ( Original company- XXXX XXXX ) has been reporting this false account on my credit report since XX/XX/2019. I have made several attempts to prove that this is not my. This collection account is a result of identity theft, and despite my diligent efforts to rectify the situation, the issue persists, causing significant financial harm. 

Identity theft Incident Details : Date of Identity Theft Incident : XX/XX/2019 Nature of Identity Theft : Opening an apartment in my name without my knowledge or consent. 

Description of the Problem : As mentioned, I have never had any prior dealings with XXXX XXXX, nor have I ever lived in any apartment associated with them. I first became aware of this identity theft issue when I noticed the collection account on my credit report, which was reported by Fidelity Creditor Services. Immediately upon discovering this discrepancy, I took the following actions : Contacted XXXX XXXX  and Fidelity Creditor Service. I have called several times, sent multiple letters, and sent multiple emails explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, I have been ignored and nobody has yet to provide any proof of such an agreement. 

I have disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my XXXX XXXX adversely. 

I have Filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference. 

Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith. 

Despite these actions, the unjust collection continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution. 

Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Fidelity Creditor Service for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the collection from my XXXX credit report, which will restore the accuracy and integrity of my credit history.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My understanding is that FCRA 605B obliges us to eradicate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several listed accounts contain inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XX/XX/XXXX, I applied for a Bank of America Business Checking Account under the following link, which is still active now : XXXX  : XXXX. The terms of this deal are the same as they were then : get {$200.00} for making {$5000.00} in deposits within 30 days of opening the account and maintaining that balance for the next 60 days. The bonus would be made within 60 days from the end of the qualifying period. 

On XX/XX/XXXX, my account was approved. ( Day 1 ) On XX/XX/XXXX, I deposited {$5000.00} from an outside bank in the account. ( Day 29 ) I have kept the {$5000.00} in there since to get the bonus and avoid the monthly fees. I should have received the bonus by XX/XX/XXXX ( Day 150 ). I called the representatives at the bank and they were unsure of the bonus and in general not knowledgeable about the products that they offered and kept forwarding me to other people who were not helpful. 

I am asking the CFPB in help in getting me the {$200.00} bonus. 

Thank you
Consumer complaint received 2024-03-18
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)

EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX I XXXX XXXX am submitting this complaint on my own behalf RE : Inaccurate late payments, charged off accounts-IMMEDIATE action required. 

I noticed that you're continuously reporting inaccurate, unverifiable information, and errors on my credit report after my initial disputes indicating that I was late on the account noted below : XXXX ACCT # XXXX explain how you can report these negative marks when I was never late? I am demanding proof showing I was late. You never proved that I was late. Therefore you must update my credit report to reflect PAID AS AGREED/OK. 

XXXXXXXX XXXX ACCT # XXXX Experian, XXXX XXXX and XXXX are reporting different payment statuses, last reported dates, dates last active, inconsistent payment history as referenced on attached credit report.This account is reporting by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. 

XXXX  XXXX XXXX ACCT # XXXX XXXX and XXXX aren't reporting this account at all, yet EXPERIAN continues to report it.This account is being reported by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. 

Furthermore I would like to remind you of four laws that indicate you can not report this type of information on my credit report.

Under 15 U.S. Code 1681b Permissible purpose of consumer reports indicates written permission must be given to report anything on my consumer reports. I NEVER GAVE YOU WRITTEN PERMISSION TO FURNISH THIS ON MY CREDIT REPORT.No consent is fraud-therefore you can not legally report these alleged charged off accounts, or late payments to my credit report Under 15 U.S. Code 1681 section 602A-state that I have a right to privacy.

Under 15 U.S. Code 1681b-Accuracy of report, 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. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report indicates that any credit transaction should be excluded from a consumer credit report, if a social security card was used in the transaction. My social was used in this transaction therefore legally you can not report this information-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a total of 5 open accounts and 1 account that was closed. 
I attached a screen shot of the status for all my accounts and the one account that is showing a negative/DELINQUENCY is XXXX XXXX XXXX, the same one Experian is saying doesn't have a DELINQUENCY reported for it. PLEASE review all the screenshots and advise why my report has the DELINQUENCY. 

P.S. 
I attached the original letter from XXXX XXXX stating they incorrectly reported the DELINQUENCY on my report. But you are saying that does not relate to XXXX soooooo ... .... Which account is it for????? I attached status of ALL MY ACCOUNTS FROM EXPERIAN .... THIS SUCKS THAT I PAY MEMBERSHIP WITH EXPERIAN AND I CAN'T GET THE ANSWER OR PROBLEMS RESOLVED.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, 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. (AZ)

XXXX provided inaccurate information on my credit screening. 
incorrect employment XXXX this old information. 
incorrect filed information with addresses affected by rental history i never lived at XXXX XXXX XXXX XXXX XXXX az in XX/XX/XXXX. 
Revolving is not an open account this was bank account nothing related to having to affect my credit scores they went out of business in Arizona. 
XXXX XXXX XXXX OFF CURRENT BALANCE XXXX CLOSED XX/XX/XXXX PAID OFF XXXX XX/XX/XXXX XXXX  ACCOUNT- DIRECT DEPOSIT INACCURACTE BALANCE THIS IS NOT A CREDIT REPORT SCORE XXXX XXXX XX/XX/XXXX CREDIT CARD NEVER APPLIED FOR A CREDIT CARD NOR RECIEVED A CREDIT CARD PREMIUM NATIONAL CIVIL COURT RECORDS -NEVER WENT TO COURT FOR ANY OF THE LISTED CASES ON THE RENTAL HISTORY THIS WERE JUST 5 DAY NOTICE FILED THROUGH APARTMENT COMPLEX IF NOT PAID IN FULL BEFORE THE 5 DAY NOTICE AND I ALWAYS PAID IN FULL BEFORE THE 5 DAY NOTICE. 
RENTAL HISTORY IS REPORTED ON XXXX  FROM XXXX THIS IS VERY OLD INFORMATION TO BE ON MY REPORT. 
XXXX ACCOUNT INACCURATE DATE INFORMATION OF THIS ACOUNT SHOWS IT WAS OPENED IN XX/XX/XXXX FOR A XXXX XXXX THIS VERY INACCURATE DATE INFORMATION
Consumer complaint received 2024-03-18
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. (CA)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT. 

ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools First Credit Union has been holding onto ~ {$50000.00} of my checking account for now 4 months. 

I have no clue when they will release the funds, much of which were previously cleared and available in my account. 

Time to release the funds into the available balance of my checking account.
Consumer complaint received 2023-01-07
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. (CA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Consumer complaint received 2024-03-18
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters