davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I submitted a payment to my Synchrony credit card through XXXX. I have made multiple payments to this credit card, some more than the {$400.00} I just submitted, and have had no issue. For some reason, the {$400.00} payment I made to the card has a hold on it through the credit card company. I have never heard of a hold being placed on a PAYMENT towards a balance. I called the credit card company, and they said the hold would be removed 8 days after I submitted the payment. So all of the bills I tried to pay with this card can't go through until they remove the hold. Now I suffer late fees because this bank arbitrarily decides to hold payments. Why would a company deter you from submitting payments frequently and on time??
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have Unauthorized Fraudulent accounts and Hard Inquiries on my credit report..15 U.S. Code 1681i 15 U.S. Code 1681s 15 U.S. Code 1681b 15 U.S. code 1681 a 15 USC 1692 FDCPA according to those laws this information should be removed from my credit report immediately..I never signed any contract agreement with these companies was never notified or gave consent to these companies. 

Unauthorized Fraudulent Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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. (NY)

XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX Ss # XXXX Credit Bureau XXXX Experian I need you to investigate the following accounts XXXX XXXX account # XXXX XXXX XXXX  account # XXXX In accordance to the fair credit reporting act Experian has violated my rights by reporting my accounts as late. 
15 USC 1681 Section 602 States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2 : It alsc states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under Any open end consumer credit plan as late for Any purpose.
Consumer complaint received 2023-07-27
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. (NY)

There is inaccurate information on my consumer report, the collection by XXXX XXXX been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) 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. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX  Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XX/XX/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
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (KS)

During refinancing our mortgage, we were issued a mortgage refund check due to the account being closed. Check was issued XX/XX/2022 for the amount of XXXX 
We, didn't open that letter until XX/XX/2022 which was 180 days old and the check was void. 
XX/XX/2022 - I called the mortgage company gave them the details and I was told the check would be reissued but they would have to stop payment on the original check and to wait 7-10 business days before we would receive the refund check. 
XX/XX/2022 - another call to the mortgage company stating we had not received the check. She confirmed our mailing address for the check which was correct and further advised me she would have to stop payment and request a re issuance of the refund check. Wait another 7-10 business days for the refund check to arrive. 
XX/XX/2022 - still no check. I called and spoke to XXXX XXXX. I did email XXXX an attachment copy of the letter and initial refund check. She advised she could only stop payment and reissue another check. Wait another 7-10 business days. She could not give me a check number to reference should I need to call back. 
XX/XX/2022 - still no check. I called and spoke to XXXX, she advised the check was issued and sent XX/XX/2022 and had no explanation why we hadn't received it yet. Again, she could only stop payment and re issue another check. Asked me to call back in 7 days. 
XX/XX/2022 - I called and spoke to XXXX, she advised the XX/XX/2022 check had in fact not been sent. Further stating when the form requesting a re issue was submitted, if it is not submitted correctly and with accuracy it is rejected and returned. She sees that this occurred with the XX/XX/2022 check. XXXX reassures me she had correctly resubmitted the request for the refund check and she offered to call me back to make sure I had received the check. We agreed on her follow up call to be Friday, XX/XX/XXXX. 
XX/XX/2022 XXXX called and left a voicemail, which I have a screenshot of the voicemail stating the original check had been cashed in XXXX and for me to call her back for more information. 
XX/XX/2022 I called back and reached XXXX XXXX, I asked to speak to XXXX. XXXX states she is a call center and no way for her to know XXXX nor reach out to her. I go through the whole scenario again, and she puts me on HOLD> XXXX states the check was cashed in XXXX for the amount of XXXX ( I don't recall the specific amount ) I advised XXXX that these details of her information were not correct. After a few minutes on HOLD, suddenly, XXXX states she is unable to transfer me to XXXX and tells me she must be at lunch and not a break so she is unable to transfer me to XXXX. 

As of today, I have not received the refund check and I have not received further communication. 
I did not receive another call from XXXX on XX/XX/XXXX as agreed upon. I am DONE contacting the mortgage company and hoping you can follow up and resolve this for us.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-03-11
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)

Credit Inquires on my credit report validate my rights as a federal consumer under 15 U.S. C 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (NV)

I am at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on XXXX reports as XXXX with the current status as account open while Experian is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to XXXX XXXX XXXX and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CA)

The US Bank credit card account no XXXX is a fraudulent account. I never ordered this credit card and never charged anything on their either. I filed a FTC identity theft report reference # XXXX already. 
It appears some employees or officials of the US bank are involved in this identity theft through third party criminals or outside resources. Exact nature is unknown.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The address, names, and date of births are incorrect on my credit report. They are either old addresses, or fraudulent accounts. Under 15 US code 1681 e ( b ) and 15 US code 1681i ( 5 ) this account is in violation not reporting XXXX XXXX accurate
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (CA)

I called the XXXX credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these listed accounts below late will be removed/corrected. 
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
Consumer complaint received 2023-09-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Thank you for taking the time to help me in this important mater. I notice couple fraudulent inquiries on my consumer report. I do not recognize. Please delete this inquiries. 
XXXXXXXX XXXX or also know as XXXX XXXX XXXX Inquiries were made XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (LA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My Personal information needs to be updated on my report. I should have 1 address XXXX XXXX XXXX XXXX PA XXXX all other addresses on file are non- mailable addresses. This will help prevent possible fraud issues. 

1 name - XXXX XXXX XXXX 1 Phone Number - XXXX 1 employer- XXXX XXXX XXXX XXXX 1 email address- XXXX All information in my report should be 100 % Accurate XXXX XXXX and XXXX has updated this information.
Consumer complaint received 2022-11-03
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. (FL)

I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to not report the account so why dont you delete them now? I have forwarded my FTC report and now Im attaching the required FTC Report AGAIN for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (NY)

There's an account that keeps showing on all credit bureaus under different names but same dollar amount I dispute it gets deleted then shows again different name gets deleted. Now it's showing again different name I have balances of thousands of dollars I wouldn't let a XXXX something dollars damage my credit. Why does a Disputed item that was deleted keep reappearing on report. No matter what name it's under the item was not is not & will not be mine My credit, exceptional payment history should show that I'm not associated with this low amount negative account
Consumer complaint received 2024-03-11
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-12-06
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. (TX)

Transunion, it appears you're not watching what is going on so I will say this only once, according to the new rules put out by you and the other two agencies it appears you are not following them, it states .... 
" The three nationwide credit reporting agencies have agreed to three important changes to reporting medical collection accounts, the time period before unpaid XXXX XXXX debt will appear on a consumers report will be increased from six months to one year this is effective XX/XX/2022 There appears to be an account that i didnt even know about placed on my report by some company named XXXX and they have three items dated XX/XX/2022 thats a far cry from one year. You need to remove this NOW.
Consumer complaint received 2022-12-06
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. (MA)

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 Collection # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX credit card was opened in XXXX 2022 it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.