davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
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 was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called Experian that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
Consumer complaint received 2023-05-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-07
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (SC)

I have filed several disputes with Equifax about hard inquires that O have no knowledge of nor did I give my permission to run my credit to these companies. Equifax refuses to help me. They refuse to tell me who they are confirming their info with.
Consumer complaint received 2023-06-16
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. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2023-08-19
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-07
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. (TX)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-10-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  ; accounts XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXK # XXXX & XXXX 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 an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you
Consumer complaint received 2020-12-16
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. (NY)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-06-26
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: SYNCHRONY FINANCIAL (TX)

I was not informed that the rewards program was a one time use it or lose it on one purchase. I was never told when I opened the card, it's not anywhere on the Rewards portal when you login. I had {$580.00} in rewards. I made a {$330.00} purchase and should have had {$250.00} left in rewards. This is through - Crate and XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX -XXXX, TX XXXX XXXX That {$580.00} was also made up of one {$500.00} rewards balance and one {$80.00} rewards balance. They cancelled both as assumed both were used for my {$330.00} purchase which is not how anyone would ever do that if they had even known about this misleading program. This is extremely misleading and I would argue fraudelent to the consumer and this is not a general use market practice for any rewards program I've ever been a part of. I talked with them on XX/XX/26 about this misleading information and where I could find it on the rewards portal or website and they couldn't direct me there. I was also utilizing their chat thread which says at end of live chat you can print transcript. They said they could not email chat thread which seems like another shady practice. Well, the person switched me back to vitual assistant when I said I wanted to cancel this credit card through this misleading rewards program and then I couldn't email thread because it was no longer a live thread. I just can't believe it with this bank.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (MD)

I just contacted XXXX XXXX XXXX to obtain a loan for a new ( used ) car. My credit score and situation is because of intentionally delayed unemployment spanning over the last 5 years that destroyed my credit. I was approved for the loan Reference # : XXXX through several banks under American Credit Acceptance . But I am being told I have to put down {$1000.00} in order to go ahead with the loan as a form of collateral. I don't have {$1000.00}! And I should not have to put down {$1000.00} in order to get the loan. To top it all off, they wanted to give me a XXXX XXXX interest rate, which is ridiculous. That interest rate is because of my governments negligence of processing anything in a timely manner. And I shouldn't have to sue them to get anything out of it. 

I'm a single female, making roughly {$66000.00} a year and they are requesting either a {$1000.00} down or a co-signer. I should not have to do that! 

That is discrimination! I have the means to pay the payments myself. I'm in this situation because of my government.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (TX)

Filed a police report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a debit card in the mail on XX/XX/XXXX. for an account I did not open. I called customer service and asked that the account and debit card be closed. They then closed the debit. I would like confirmation that the card and the checking account was closed.
Consumer complaint received 2018-10-08
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. (TX)

XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and XXXX XXXX and Experian to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.
Consumer complaint received 2018-10-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc. (GA)

GOLD CAR LENDING {$4300.00} the car was returned inXX/XX/2017 the car was sold they accepted the car back and have the car and have sold the car to also any balance left should not be reported on my credit and needs to be removed
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the fair credit reporting act XXXX  accounts, XXXX, XXXX XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). 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 XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Real Estate and Public Accommodation :
Consumer complaint received 2023-06-02
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (CA)

In XX/XX/2018, I disputed a medical debt on my credit report. On XX/XX/2018 I received several letters indicating the amount they claimed I owed and my personal and private medical diagnosis and procedures that were performed from the hospital from the collection company Collection Consultants of California. The original creditor was XXXX XXXX. My rights have been violated as an American citizen! I have never given this company the right to access my personal information obtain info about my medical procedures and diagnosis. This is definitely a DIRECT VIOLATION OF MY HIPPA RIGHTS! I never authorized the release of my information!
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (NY)

My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.
Consumer complaint received 2022-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: U.S. BANCORP (WA)

XXXX XXXX im struggling with my us bank mortgage loans for fix heating furance since XXXX i application many times..my us bank mortage unable to provide us a loans many times due credit.. iam very frustraition no heating furance long time that is enough.. i need loan now before hate cold.. i used space heating burn plugs make me so XXXX. XXXX XXXX.. XXXX XXXX..i dont know what do? i wont sell due my horses need place to stay.. i can't afford buy other due price up..i did application for the heating company but unable to help me due credit .. my hubby call the oregon who made XXXX manfuctured home problem elertic system he need mannal they are saying no help.. its recalled.. worse upseting..i email to my usbank about new manfuctured home they are saying no.. iam very stuck since XXXX! i need fix..need warm for my health.. 
take care XXXX XXXX
Consumer complaint received 2023-06-02
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. (CA)

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I saw that my concern was closed and that it says the accounts were updated but when I checked my report the negative accounts are still appearing on my report and I want it to be deleted. Below are the accounts I disputed previously. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my XXXX   TRANSUNION AND XXXX  credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I received a notice from PayPal that {$120.00} was deducted for a payment to XXXX. I checked all my XXXX settings and was no evidence of such a payment that originated from my XXXX account nor have I ever requested such a payment ever. 

I disputed the payment with PayPal and they closed the case and stated : " Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. We've noted the account changes you reported with this case. '' Someone has fraudulently made a payment and PayPal is not willing to do anything about it.
Consumer complaint received 2023-07-05
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. (OH)

I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX