davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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. (IL)

I had a XXXX  credit cared that went into chargeoff status but was paid in full. the acct went into first day of deliquency prior to 2018 when it was paid off XXXX percent. the acct is over 7 years old since first day of being late but XXXX  and the credit burue will not remove the acct from my credit report.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Received PayPal Credit Statement by USPS Certified Mail ( actually 2 separate mailings of the exact same statement ) on XX/XX/XXXX for payment due on XX/XX/XXXX. I never opened a PayPal credit card thru Synchrony Bank, XXXX XXXX XXXX, XXXX, Florida XXXX. Balance of {$5000.00} for deposits in XXXX, XXXX, XXXX, transfers to XXXX unknowns, XXXX gift cards, XXXX charges dated XX/XX/XXXX - XX/XX/XXXX. I went on line for legitimate phone numbers for Synchrony and the automated system did not acknowledge the account number on the statement but referred me to get correct number to call for the credit card that I do not have. Also the duplicate statements received are not aligned properly, with wording running off the edge of the statement, which tells me this is fraudulent. 
I use PayPal for on line purchases and pay thru my checking or existing credit card and always received a confirmation email from PayPal. 
I will appreciate if you can sort out this Issue for me. 

Thank you XXXX XXXX
Consumer complaint received 2021-12-31
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. (MD)

EQUIFAX. 
Your ineptitude couldn't be any more evident in your failure to read my complaint and that complaint is explicit that XXXX XXXX XXXX ALLOWED A CHECKING ACCOUNT AND SAVINGS ACCOUNT TO BE FRAUDULENTLY OPENED... and you... I don't have a word for you that I can type in this complaint have flagged by XXXX XXXX car loan from 2018 which is an account in good standing and paid in full. And using the same word I can't type here, you also flagged my legitimate XXXX XXXX  CREDIT CARD Accounts. 

YOU WILL NOW RESPOND TO MD AND NY ATTORNEY GENERAL 'S OFFICES. Your display of ineptitude is just beyond my ability to deal with, so I will leave it to those whom you actually have to respond to vs the bogus responses you provide ( d ) on the CFPB complaint portal allowing you to punt responsibility. 

PUT THE XXXX IDENTITY THEFT FLAG BACK ON MY CREDIT REPORT.
Consumer complaint received 2022-11-03
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, an inquiry letter was sent to American Express regarding a closure of a credit card account. ( See Attached Letter dated XX/XX/XXXX ). American Express did not reply to my inquiry letter. The letter stated that the account was cancelled without sufficient notice and that its closure was inconsistent with the expiration date on the card, which was expected to be valid thru XXXX, XXXX. Since XXXX when the account was opened, the account had accrued travel rewards points of over a period of XXXX  years. American Express closure of the account without sufficient notice is problematic as it did not provide for sufficient time to redeem the rewards point that accrued since XXXX or an alternative way by which to redeem the points such as a transfer of the points to a new credit card account. Given the long duration of the existence of the account, approximately a total of XXXX points had accrued on the account that were not redeemed nor did American Express provide for an alternative way to redeem the points before the accounts closure.
Consumer complaint received 2022-11-03
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights 3 ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 2022-11-03
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. (MI)

I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2022-11-03
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. (MI)

I check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2022-11-03
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. (FL)

I have alot of hard inquiries and close account on my credit report that I have no idea of. Such as.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 all close account because I have no knowledge of them
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (SC)

On XX/XX/2022 someone transfer XXXX out of my debit card into XXXX XXXX XXXX XXXX XXXX. I found out about this XX/XX/2022, I called the debit card company and they advised me to file dispute and I did and faxed them the paperwork. They told me they have an investigation team that will be handling the dispute and it will take up to 45 or 90 days for the dispute team to reach a decision.
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

Around XX/XX/XXXX, I was contacted by a debt collector from XXXX XXXX his name was XXXX XXXX. Said I had debt for a medical bill for my daughter from a XXXX visit, in the amount of {$610.00} He asked for my card # i said I wouldn't give any payment over the phone, I'll be happy to send via XXXX XXXX through my Bank. He gave me account ending XXXX and send to XXXX, XXXX XXXX XXXX, XXXX, MO XXXX. I paid it off by XX/XX/XXXX. On XX/XX/XXXX I received a bill for the same hospital visit in the amount of {$760.00}. I feel like I'm being scammed. The bill also says XXXX XXXX XXXX XXXX as XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
Consumer complaint received 2022-11-03
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. (PA)

I have been trying to solve this problem for some time with the credit reporting agencies and th

e corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consum
er meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-11-03
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. (MI)

Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, Transunion and XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to Transunion and XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ( reporting to Transunion and XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXXXXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )
Consumer complaint received 2023-05-30
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-03
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. (IL)

The 3 Credit Bureaus XXXX, XXXX, and Equifax need to be held accountable for the injustices they have burdened me with. My credit report shows an account with The XXXX XXXX XXXX  ( Acct # XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. XXXX ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. XXXX ) XXXX is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. XXXX ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. XXXX ) The date last reported has different information reported between the three Bureaus, XXXX. Yet another inconsistency. XXXX ) the XXXX record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX Equifax reported that I was 30 days late when XXXX shows that I paid on time, while XXXX holds no payment history at all. Again, in XXXX of XXXX Equifax reports me as XXXX late when XXXX shows I paid on time, no payment reported from XXXX. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

The owner is deceased, This home belongs to an estate. All documents and required documents were submitted to Ocwen Loan Servicing.

All documents were submitted : Loan Modification Family Transfer Package Owner Occupancy Certification Applicant Information Form Application Identification Certificate XX/XX/XXXX - The Transfer Deed was recorded for the grandson.

Everything Ocwen requested was done. XX/XX/XXXX. 
The transfer took place in XX/XX/XXXX. PHH refuse to even look at all of the submission even though PHH is an Ocwen Company.

They did have a sale told for XX/XX/XXXX. They said it was cancelled but we are not sure and the way they have told us so many stories every representative telling us another story that is why we are coming to you for help. 
We wanted to send them all that was sent but they refused, they claim the loan is being reviewed, for what and how can we be sure? ID # XXXX said the sale was on hold. on XX/XX/XXXX.
Consumer complaint received 2022-11-03
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. (IL)

The 3 Credit Bureaus XXXX, Transunion, and XXXX need to be held accountable for the injustices they have burdened me with. My credit report shows an account with The XXXX XXXX XXXX ( Acct # XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. XXXX ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. XXXX ) Transunion is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. XXXX ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. XXXX ) The date last reported has different information reported between the XXXX Bureaus, XXXX. Yet another inconsistency. XXXX ) the 24-month record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX XXXX reported that I was 30 days late when XXXX shows that I paid on time, while Transunion holds no payment history at all. Again, in XXXX of XXXX XXXX reports me as XXXX late when XXXX shows I paid on time, no payment reported from Transunion. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (NY)

Barclays view master credit card. 
Credit card last four number is XXXX. 
Credit card company charge $ XXXX for convenience on my credit card. 
Its Fruad was not authorized by me. 
I file a complaint to credit card about this fruad entry at credit card Fruad department. 
Finely credit card company says its valid entry but its fruad on my credit card.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (GA)

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 U S DEPT OF ED/XXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX  ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4100.00} XXXX  XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Transunion is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Transunion credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Transunion is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Transunion for their predatory practices that need to be stopped immediately!