davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX
Consumer complaint received 2024-03-20
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. (FL)

PER EXPERIAN THEY MEET THE FCRA REQUIREMENT. AS A CONSUMER I DISAGREE BC I DID SUBMIT A LETTER REVOKING ALL AUTHORIZATION PER 15 USC 6802. THEY ARE NOW IN VIOLATION OF THE FEDERAL LAW. 

FURTHERMORE ALL CREDIT BERAUS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.
Consumer complaint received 2023-04-23
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. (AZ)

Report ran from XXXX XXXX XXXX experian has loan incorrect on print out others have it correct. Tried to call and fix they said information is correct then why are print outs wrong? He didn't know asked for supervisor wait nearly 10mins said do call back. No call back. My reports should reflect my correct information. They were rude and not helpful and messing up my world because the facts are not correct.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX hrs approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX
Consumer complaint received 2023-04-23
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. (FL)

I am writing to file a complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, but to this date they have not responded. 

Because of the incorrectly reported data, I require that your bureau verifies the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account. I am unsure of the accuracy of the balance of {$1700.00} that you report for this account because I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
Furthermore, your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do recall my original creditor - XXXX XXXX XXXXXXXX XXXX  and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the Balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and I ask for a verification of Date Opened and Date of First Delinquency.
Consumer complaint received 2023-05-07
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: GOLDMAN SACHS BANK USA (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX 2023. 
Status updated XXXX 2023 Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-04-23
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. (FL)

On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date they have not responded. 

Your agency is reporting inaccurate information for the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$290.00} ). I recall my original creditor to be XXXX XXXX XXXXXXXX XXXX which is obviously a different company than the one you are indicating. Moreover, I have never had any contract with the company you are reporting, and I have never been contacted by them. Your agency has provided false information about the Balance of {$290.00}, which is higher than I believe it to be. As a result of these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) is also inaccurate. The original creditor on this account is a different company than the one you indicate - XXXX XXXX. You have reported a higher Balance of {$150.00} than the amount I believe I owe. I dispute this account due to these inaccuracies, and I also request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$130.00} ) needs to be investigated. The original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The Balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) is also inaccurate. The original creditor for this account is XXXX XXXX, but I do not recognize the company stated on this account, XXXX XXXX XXXXXXXX XXXX, as I have never had any contract with them. The Balance of {$400.00} is not reported properly, as I recall the balance to be lower. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to follow up on my previous dispute regarding a negative item that continues to appear on my credit report. Despite my explicit statement that this item is unverified and incorrect, it persists on my report, which is deeply concerning.
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (TX)

i have fradulent and inconsistent information on my credit reports on all 3 credit bureau XXXX ( 3 ) Hard inquiries XXXX XXXX XXXX on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} i have no knowledge of these accounts are they were fradulently opened and unauthorized. 

XXXX Hard inquiries XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Collections XXXX XXXX XXXX {$5000.00} XXXX XXXX {$1400.00} no knowledge of these accounts, collections and inquiries, all fraudulently done i have disputed all these with the bureau
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-08
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. (CA)

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 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with Transunion when the balance is XXXX, paid in full. Also XXXX and XXXX have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Newman, Hesse & Associates, P. A. (KS)

I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the XXXX department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I had a line of credit with citizens bank for 10 years my payment was {$980.00} a month the line of credit expired XX/XX/2017. I tried to extend it for 2 more years or tel I sell my home the bank never respond to me I try to contact them many ways never got any help and then the bank turned it to a 15 years mortgage without my signature and my payment jump to {$3700.00} a month. No way I can afford it. Also never send me any payment book or link it to my bank account. 
I told them that I work over seas I can't just leave and deal with this. I asked them to extend my line for some time so I can get my finances together. I was with them for more than 15 years never missed a payment. Now they are taking my house from me it is amater of no court.
Consumer complaint received 2017-09-21
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: Experian Information Solutions Inc. (GA)

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Someone opened up a XXXX  XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (MT)

XXXX I lost my debit card so I sent myself XXXX. Since I was waiting for a card it was an e check that was to be processed in 7 to 10 days. After the XXXX days they dmsaid was a hold on the account and would have my refund no later than XX/XX/XXXX. Now it's the XXXX and now they are saying I have to verify my ID which I have and they say won't accept it. They continue to male excuses when they said that fraud protection was to benefit it customers. I don't see how sending myself money even made it red flagged. I gave them my bank statement and they say doesn't match which it does.
Consumer complaint received 2024-04-11
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Deleting A Negative Credit Card From My Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX