davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

The company closed my account without explanation. I called seeking an explanation and they stated my account was closed by a different department. I asked for contact information for this department so that I could speak with them and learn the reason for closure, but this department had no email address or phone number. I was provided only a mailing address to which I could address my query. Because my account is now closed, my reward points which have not yet been redeemed are now unavailable to me.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sending this dispute due to new evidence and Transunion has report incorrect information on my report. Upon to pull up my report from Transunion I found out several hard inquires that I NEVER AUTHORIZED. these items on my report are result of fraudulent activity. They must be removed from my report immediately. 
It should be noted that an inquiry that was not made by me is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX Auto Dealers XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX Auto Financing XX/XX/2022 XXXX Auto Financing XX/XX/2022 XXXX Credit Unions XX/XX/2022 Please delete these hard inquiries from my report immediately. 
I have include next supportive document for this matter : copy of my SSN, ID, proof of address, copy of FTC report
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted Capital One on several occasions to resolve the account that does not belong to me. I have offered to send updated copies of my social and ID to confirm. Capital one has reported the account ending in XXXX to the wrong credit report. 

Capital one has a social security number reporting under a social that doesnt belong to me. Please review the attachments for further review. 

I would like to be contacted at XXXX
Consumer complaint received 2022-11-09
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: 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. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX  XXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

why and how is XXXX  reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days
Consumer complaint received 2022-11-09
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. (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX XXXXXXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX - has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-01-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (VA)

My fianc XXXX XXXX had a legit settlement check from XXXX  XXXX  adjuster phone XXXX I have the email and valid claim and XXXX chime frozen my account and I have several deposits on the way I have submitted all documents so did XXXX and I havent received a response or my money I am awaiting my social security deposit and I will fall behind in my bills if I can get my money please help Im being XXXX  discriminated against XXXX XXXX XXXX and Im exspecting my pay check this week
Consumer complaint received 2023-09-01
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: JPMORGAN CHASE & CO. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has committed a violation of the Section 5 of the FTC act and has committed unfair and Deceptive violations. I called on XX/XX/22 and I talked to a very nice lady and filed a report for some charges that were unauthorized and fraudulent. I was told by the lady on a recorded line that I would receive my credit within 24-72 hours. I called back on XX/XX/22 to check up on this. I was told that I would not receive any credit until XX/XX/XXXX. Therefore I was lied to and the bank has engaged in deceptive acts which were unfair in the treatment they used for me. XXXX XXXX ID : XXXX would not review the phone call and when I said that it was deceptive he refused to file a report about being deceptive with me.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (GA)

I am writing to bring to your urgent attention the inaccurate and misleading information currently being reported on my credit profile. After a thorough review, I have identified several errors that are not only incorrect but also a blatant violation of my privacy rights.
Consumer complaint received 2024-08-09
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. (NJ)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

I am reaching out to you in regards to a serious issue that I have been experiencing with Synchrony Bank. Despite reaching out to their customer service team multiple times, I have yet to receive a satisfactory resolution to my problem. Therefore, I am now seeking your assistance in this matter. 

Recently, I received a new credit card from Synchrony Bank with a new account number, ending in XXXX. However, upon logging into my account, I noticed that someone else 's credit card, ending in XXXX, was showing up. This is a major cause for concern as it poses a serious breach of privacy, and it prevents me from using my card as intended. 

What's more, when the mysterious XXXX card is " charged '' by XXXX, it ends up charging a completely separate account. This only adds to my frustrations and confusion over the matter. While I understand issues can arise with banking and credit card accounts, something of this nature should not be acceptable as a resolution seems nearly impossible to obtain. 

I have spoken to Synchrony Bank 's customer service team multiple times, but each time, I have been told that this is not an issue on their end, and they lack the knowledge on how to fix it. As a consumer, this is absolutely unacceptable to me. 

I am urging Synchrony Bank to thoroughly investigate this issue and take immediate action to restore functionality to my account by showing me the correct credit card information. I would appreciate it if you could also investigate this matter and offer your assistance in working towards a resolution. This is a matter of great concern for me, and I firmly believe that it requires immediate attention. 

Thank you for your time and attention to this matter.
Consumer complaint received 2018-03-27
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. (NE)

A dealership ran my credit without authorization. I had original creditors do an investigation and they found they need to be removed. Bureau is still reflecting incorrect inquiries after myself and creditors have asked for them to be deleted.
Consumer complaint received 2018-03-27
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. (TX)

Experian mailed me a credit report dated XX/XX/XXXX. I went online to dispute a charge and noticed 2 collection accounts with XXXX XXXX from XXXX that had been removed 4+ years ago reappear or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report from 4+ years ago. Hence this item reports to fall off my report XX/XX/XXXX. This now bring my score down lower. I ask that you please review my case and have Experian remove negative collections from my report only to reinsert years later without notifying consumer.
Consumer complaint received 2022-11-09
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. (GA)

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 demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I have a checking account with Citibank. I have been a loyal customer in good standing for close to 20 years with this bank. Without prior notice, or any notice at all, on XXXX XXXX, XXXX, Citibank placed a hold on my checking account, which had a positive balance of {$5300.00}, preventing me from accessing any of my money. I found out that my account had been frozen because my card was declined when I tried to purchase a {$13.00} sandwich. I later went to the ATM to attempt to withdraw {$40.00} in cash, and saw a message on the screen saying there was a problem with the account. I then called Citi and was told that the fraud department had put a hold on my account, frozen access to it, and that policy dictated that I would need to wait until they were done with their investigation which would be at least 24 hours or more, before I could access my own money. They did not ask me any questions or make any effort to explain why the account was being investigated. The Citi freeze on my account prevented me from being able to access public transit for which I scan my debit card, or purchase food. I was also unable to pay my babysitter, since I could not withdraw cash. When I complained and said that freezing me out of my own account for undisclosed reasons and an indefinite timeline amounted to theft of my own money from me, they told me that I was unprofessional and disconnected the call from me, refusing me any explanation or correction. As of now, I am unable to access my own money.
Consumer complaint received 2021-06-19
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: Experian Information Solutions Inc. (TX)

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. Experian, XXXX, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows :
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

The Credit company experian has not responded to my request for a 1099 form for cancellation of debt meaning if the 1099 was filed I do not owe a debt of over {$9000.00}. They had to file their taxes in order to cancel the debt and discharge it or write it off under the tax law.
Consumer complaint received 2018-10-15
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: Commonwealth Financial Systems, Inc. (FL)

This company, Commonwealth Finance continuously reages old medical debts that are very close to falling off of my credit report. They have done this with three separate old bills this year from as long ago as XX/XX/XXXX. I have not received medical treatment in nearly three years, so there is no way for these debts to be from these dates. These reaged accounts are as follows : XX/XX/XXXX the amount of {$1500.00}, XX/XX/XXXX an amount of {$620.00} was reaged, on XX/XX/XXXX the amount of {$1400.00} was reaged. They do not report the original date of delinquency. When I ask for an itemized bill showing what the amount I owe is for, I receive a generic letter with no detailed information that would even allow me to determine if I received the services theyre requesting payment for. Furthermore, this company does not have a license to operate in the state of Florida because their license here was revoked in XX/XX/XXXX. 

This company has also been calling me, and my parents non stop and leaving harassing voicemails claiming they will be filing a lawsuit against me.