davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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. (SC)

I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-09
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. (FL)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is a car loan that was recently paidoff. But I made 2 overpayments of {$2500.00} and {$10000.00} and both are not showing on my account.
Consumer complaint received 2023-05-22
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. (VA)

XXXX {$3700.00} XXXX account closed i contacted XXXX- closed paid in full still showing in my credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX no action taken i contacted XXXX XXXX- {$2000.00} Date : XX/XX/XXXX No action taken i contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i contacted XXXX No action taken XXXX XXXX XXXX XXXX XXXX No action taken i contacted XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX no action taken i contacted
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Credit Corporation (GA)

Yes I have a XXXX XXXXXXXX XXXX and the financial center US Auto Credit in my opinion is being fraudulent with my payments for a car that's not worth the balance for the money in repairs I put in on the vehicle. They have pass my information fraudulently from other companies. I'm hoping you can help me out on investigating US Auto Credit on how they do business.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

These Credit Reporting Agencies XXXX, Equifax, XXXX, Has Placed Inaccurate Information On My Consumer Report. I Pursuant To The Fair Credit Reporting Act ( FCRA ), This Is A Violation To My Rights As A Consumer. Please See Attachments!!!
Consumer complaint received 2023-07-18
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. (WI)

I received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

Experian, XXXX and XXXX have reported as recent as XX/XX/XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (FL)

I have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased a pair of products online on XX/XX/2018 for {$27.00} each. The company provided the wrong kind of product, so I contacted Bank of America to open a fraud claim for " products not as purchased. The investigation by BoA found no wrongdoing by the company, even though I have documented evidence of the company 's mistake. Bank of America has now withdrawn the provision credit they provided and it has overdrafted my account.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX, a email was sent to me about a new credit card being open by Synchrony bank. 
I did not initially read or open the email when I received it. 
XXXX XXXX, another email was sent out, congratulating me on my new credit card. ( Both emails sent were by different XXXX accounts ) I called the number provided to try to close the account. They wanted me to say my SSN to verify the account, I did not want to and stalled by verifying other information they had while I searched online about SSN over the phone. I found out they already had my name, address, and that they wouldn't ask for XXXX other the phone. ( Plus they provided the address to me to verify and I don't think they should've been giving out information like that to begin with ). 
I hung up the phone without giving them the XXXX and despite them having my call back number in case the call got disconnected, they still haven't called me back.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had a credit score of XXXX in XX/XX/XXXX then all of a sudden it dropped in the XXXX due to a tax lien from XX/XX/XXXX of {$170.00} which shows paid. I never received anything about a tax lien from anyone. My taxes and insurance were being paid by my mortgage company. If this happened in XX/XX/XXXX why all of a sudden is it on my report? I would like it taken off my report immediately. Thank you for your assistance
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (NC)

On XX/XX/2018, I received a debt collection notice from XXXX XXXX, ( XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, MO, XXXX ), on behalf of XXXX XXXX XXXX XXXX XXXX. Within 30 days, I sent them a certified letter stating that I dispute the alleged debt and requested that 1 ) they communicate with Novant in order to verify that this situation had been resolved. 2 ) to stop communicating with me in any way until they had contacted their client and verified that my dispute was legitimate. In the meantime, they have violated federal law by sending me another letter, ( dated XXXX-XXXX-2018 ), requesting that I contact them, stating that they " need additional information from me '' and wish to " discuss the account ''. It seems to me that they need to communicate with their client and verify their information and that they do not need to communicate with me until doing so. I am filing a complaint because I believe that XXXX has violated the Fair Credit Reporting Act by communicating with me before it has even verified the alleged debt they say I owe.
Consumer complaint received 2021-05-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM EXPERIAN, XXXX, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account name XXXX XXXX XXXX XX/XX/XXXX, XXXX Theft by trick, Bank of America representative called my cell phone at XXXX XXXX  pst, said I was hacked by XXXX and XXXX XXXX was responsible for the fraudulent transaction, I had to transfer {$12000.00} and second transaction of {$3000.00} by XXXX XXXX secured transfer to clear up the fraudulent transaction. I sent the cash after withdrawing from my account. XX/XX/2023 same representative text me a federal letter from comptroller of the currency to confirm all that transpired XX/XX/2023. Then same person from Bank of America said my husbands XXXX XXXX retirement acct was hacked, and they wanted me to get out {$62000.00} from that acct. We then realized this all must be fraudulent as of XX/XX/2023. I then filed theft fraud complaint with my Bank of America manager in person, FTC, Ic3 FBI, XXXX XXXX Police dept, secret service homeland security. XXXX XXXX
Consumer complaint received 2018-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (IL)

Foremost the annual percentage rate is 5.99 % on the loan, they are claim that the interest rate is also 5.99 %. Based on the finance charge that they are charging me for the life of this loan is {$3400.00} or .3417 % on the {$10000.00} loan. They claim that they are charging me 5.99 % daily interest. If the daily interest rate is truly 5.99 % how does it equate to {$3400.00}?
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (MS)

I see credit inquiries from unknown sources I reported this a while back and its been going on years I have been in military XXXX  therefore I had no knowledge of my credit use. XX/XX/
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: Experian Information Solutions Inc. (AL)

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to Experian XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to XXXX on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (CA)

I noticed on XX/XX/XXXX my PNC credit card expired last month on XX/XX/XXXX. I did not receive a new card so I called the company and they said they had closed my account. This is a bit misleading as I thought I was in good standing with PNC because I received a phone call in XX/XX/XXXX from PNC offering their services such as loans, checking accounts, etc .... Then I recall another phone call from PNC around the mid summer of XXXX just reaching out to me offering their other banking services. If they were going to close my account they should have informed me months prior with their phone calls so that I could plan accordingly and use their credit card.
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: Experian Information Solutions Inc. (WA)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me.

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-09
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. (GA)

XXXX, Experian, and XXXX continue to report inaccurate information. The reporting agencies must maintain accuracy. The account listed XXXX XXXX Account # XXXX is not reporting accurately. 

XXXX is not reporting the account, Experian has 4 payments listed and XXXX has one. This means this account is not accurate and has not been properly validated under FCRA. This is causing damage to my consumer report and scores.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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: Experian Information Solutions Inc. (MD)

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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance Owed : {$590.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX