davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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: EQUIFAX, INC. (MO)

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove late closed and charge-off entries from my credit file. I have made several requests to address these issues, but despite my efforts, the negative entries persist on my credit report. 

I have attached supporting documentation, including evidence of the resolutions and settlements reached with the respective creditors, as well as any relevant correspondence confirming the closure of these accounts. Despite providing this information on multiple occasions, the late closed and charge-off entries remain on my credit report, negatively impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. The persistence of these inaccurate entries is a violation of my rights as a consumer, and I request immediate action to rectify this situation. 

I kindly request the following actions be taken : Thoroughly investigate the inaccuracies in my credit report related to the late closed and charge-off entries mentioned above. 

Promptly update my credit report to reflect the accurate and resolved status of the accounts in question. 

Provide me with a written confirmation of the corrections made to my credit report. 

I appreciate your attention to this matter and expect a timely resolution. Failure to address and rectify these inaccuracies within the stipulated timeframe may compel me to escalate this matter to regulatory authorities. I am asking for your assistance to remove these late closed and charge off accounts in my credit file:1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX XXXX XXXX Balance Owed : {$3000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
3. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
4. XXXX XXXX Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I noticed on XX/XX/ that this account was opened a result of identity theft and this person pretended to be me along with making payments on this account. This has greatly impacted my credit score along with me getting a job, a vehicle and a home as I have been XXXX for a year as a result of a job loss in which I was unable to pay my expenses. I have no family nor friends for support, I have been disowned by my family for my XXXX lifestyle which has resulted in me being on my own since the age of XXXX, I have no friends due to my social XXXX, money problems and I was taken advantage. This situation has caused a lot financial distress/hardship, mental anguish and multiple XXXX attempts and I just want this to be over so I can move on with my life.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently XXXX : XXXX. XXXX XXXXXXXX XXXX  dated XXXX XXXX, 2022 Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX  XXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2023-06-05
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: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/2023 I got an alert from XXXX, XXXX and XXXX that AMEX reported that XXXX credit cards accounts had been open. They reported it as a charged off with a balance. I advised the agent that I've never had an AMEX XXXX. I have been a victim of identity theft in the past. I have filed a police report and FTC report. Please investigate AMEX for violating my consumer rights and for falsifying documents. This had hurt my ability to obtain credit. I was in the process of buying a home. now i have to withdraw.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

XXXX. Experian has stopped including the data related to my credit account with XXXX XXXX XXXX XXXX, XXXX, Fl. 
XXXX. Experian has labeled the account " No status '', and shows no updates going back five months. The XXXX XXXX has confirmed, to me and to Experian, that information has been sent to Experian, to report my account activity. It is an active account, and has remained so for a long time. There is no credit lock that would keep Experian from seeing the reported information. 
XXXX. My FICO score has been eliminated because this account is the only credit account that I currently have. Experian has eliminated the only information that would generate a FICO score. Experian has eliminated my ability to gain a loan or another credit card. 
XXXX. XXXX XXXX XXXX XXXX has called you repeatedly to find out why you are not reporting the information that they are sending. I have sent a complain to Experian to which you responded by sending me a phone number that no one answers. 
XXXX. The problem is at least five months old. The bank called Experian more than a month ago. Experian has ignored my direct complaint, to their web site, for more than three weeks.
Consumer complaint received 2023-06-15
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. (LA)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account. 

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CT)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-07-24
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 have made multiple attempts to remove unauthorized unverified inquiries from my credit report with Transunion & XXXX they are refusing to assist. Some of these same items have been removed from my XXXX report as unauthorized and unverified as they are not attached to any account and unverifiable. 

This is affecting me from obtain credit and affecting my entire life I am trying to move and purchase a home for me and my family. Which we cant do due to these inaccurate information reporting. Thank you for your any assistance you can provide on this matter to get it resolved in a timely manner According to This : This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately I have attached a list of the unauthorized and unverified hard inquiries.
Consumer complaint received 2023-12-27
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. (AK)

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. 

CORNERSTONE CREDIT SER XXXX, XXXX XXXX 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.

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 2024-02-16
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: SYNCHRONY FINANCIAL (MA)

I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Consumer complaint received 2023-07-24
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. (GA)

Hello please remove the old account reporting on my TransUnion consumer report for XXXX. The account number is XXXX and is old that needs to stop reappearing on my Consumer Report. Also, TransUnion has the incorrect contact information for this merchant, therefore needs to be removed because of all the inaccuracies.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (OH)

I got a collections notice to my XXXX XXXX and XXXX apps today from Indigo Mastercard. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.
Consumer complaint received 2023-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (SC)

Paramount Recovery 's response to the Consumer Finance Bureau was that the accounts were now closed from their offices, and they requested that the trade line be removed. However, this is not the case, as they have updated the collection account on my credit file and are reporting the same information twice. They changed one letter in the account number but reported the exact information twice.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there are two instances of late payments reported on an account with which I have consistently maintained a flawless payment history. Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that this information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on. payments for the account with the indentifier [ XXXX XXXX XXXX Account Number : XXXX ]. I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " paid on time. '' Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously and with the utmost attention to accuracy. Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this discrepancy. Please keep me updated step by step.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I received an international wire transfer of XXXX XXXX which based on the market rate that day ( XXXX ), I should have received {$7100.00}. Chase processed the transaction for {$6900.00} ( meaning an implied rate of XXXX ). The difference of {$210.00} is in Chase 's favor. Nowhere on their website ( or in meeting with bank officials ) did they communicate they would " accept foreign currency at a lower rate. ''
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I charged a vehicle rental on my credit card which included coverage for Collision Damage. I fille out the claim on their portal 3 months ago and continued supplying paperwork they requested. The last update was 4 weeks ago and I did not hear any feedback even though their site says they will respond within 5-10 business days.

I called them last week and they gave me a lot of excuses and said although I have submitted all information, it will still take them several more weeks to make a decision. My vendors have already gotten aggressive in making me pay and filed with my personal insurance company and started receiving reimbursement incorrectly. This situation is becoming messy and I fear the credit card company will back out of the coverage they promised to deliver.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (NV)

I randomly received a text messages from my bank notifying me that my pin number was successfully changed. I absolutely did no such thing. I immediately logged into my account and changed my password and pin. This happened again after a couple of hours. My online bank, Albert, does not have a way to talk over the phone. Only by text and email. I texted them the same day and explained the situation. They simply told me to change my password again. I did. A couple days later the same thing happened. That time there were some attempted charged that did not go through. I notified them again. They said there was no issue since nothing was charged. A third time pin change message was sent to me. This time i could not log in to my account. That same day i noticed i still couldn't log into my account. It took the entire day but i was finally given access to my account again. Immediately i noticed XXXX fraudulent charges. Very obvious ones. It took me XXXX days to be able to submit a dispute because of how albert bank is set up. I finally did. I was told the descion was that nothing will be credited to my account. I am a victim of fraud and albert bank did not take the matter seriously even when I notified them of a suspicious activity before fraud charged even happened. I have little money. Like many others i am struggling. And i feel victimized by albert bank.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-08-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I purchased several cases of XXXX XXXX XXXX XXXX XXXX for my bathroom from lowes and after 60 days my contractor was finally able to install it however the planks kept coming apart on the long way and splitting so after the second case, and consulting with a second contractor, we attempted to return the unopened boxes to Lowes who then refused to return them ( well within return window ) I eventually called Synchrony bank but was given the run around and was refused multiple times to file a dispute. Eventually when I was granted the ability to file a dispute, I was told it would take 60 business days to render a decision and I would not get credit before that time. I agreed because my card was paid in full anyway, but at the conclusion I was told it was not found in my favor because I didnt return the merchandise. I asked to speak to an escalation agent because I had attempted numerous times to return the merchandise but lowes refused each time the agent then stated she would contact me within 10 days to let me know the outcome. I received a call from Syncrony approximately 9 days later stating that the dispute had been found in my favor and since I had no balance I would be receiving a refund check for XXXX it took me a week to cash it because I had just had XXXX, but was thrilled, until a month later when I got a alert on my credit monitoring stating I had a new charge of XXXX and 95 % credit usage on my Synchrony card. I called and disputed it, and it dropped to {$0.00} but then right back up it went. I still have the photo of the check and have the copy of the stub attached to it saying refund however now Synchrony has been forcing me to make payments monthly or ruin my credit
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.