davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting a Collection account on my report in the amount of {$1600.00} which was paid in full to the original creditor in XXXX. I have asked them to correct this information on my credit report but they have failed to do so. The request to correct the information was made on XX/XX/XXXX and XX/XX/XXXX Details of the information are : Collection Agency : XXXX XXXX XXXX / Acct # XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX Status : Collection account {$1600.00} past due as of XX/XX/XXXX 2019
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I cancelled my American Express credit card on XX/XX/2020, after paying off a total balance of more than {$6500.00}. After my account was cancelled, I was issued a credit back to my AMEX account for incorrect charges assessed to me by XXXX, leaving a credit balance of {$18.00} on my cancelled account. I reached out to AMEX on XX/XX/2020, and I was told a refund check would be issued and sent to my address at XXXX XXXX  XXXX XXXX, # XXXX, in XXXX XXXX, FL, within 7-10 business days. On XX/XX/2020, I reached out to AMEX because I did not receive the check. I confirmed my address, and was told the old check would be canceled and a new one issued and sent to me within 7-10 business days. As of today, XX/XX/2020, I have not received my refund check. It's now been almost 3 months since AMEX has been holding my credit that they have not issued to me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Urgent : Continued Reporting of Inaccurate Information and Identity Theft Concerns Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a critical matter regarding unresolved disputes concerning certain collection and charge-off accounts on my credit report with TransUnion. Despite my repeated attempts to resolve these issues directly with TransUnion, I have encountered significant obstacles and have yet to see a satisfactory resolution. 

On XX/XX/XXXX, I initiated disputes with TransUnion regarding the following accounts : XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - TransUnion Account # : XXXX XXXX. XXXX XXXX - TransUnion Account # : XXXX XXXX. XXXX - TransUnion Account # : XXXX XXXX. XXXX - TransUnion Account # : XXXX Despite the passage of the mandated 30-day period for investigating disputes, these items persist on my credit report. Additionally, I have received continued communication from collection companies associated with these debts, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

I have diligently followed the established procedures for disputing inaccuracies on my credit report, including sending a certified letter under Section 609 of the Fair Credit Reporting Act ( FCRA ) to TransUnion on XX/XX/XXXX, providing documentation and evidence of the disputed items. However, I have yet to receive satisfactory responses or evidence of validation from TransUnion. 

This ongoing reporting of inaccurate and unvalidated information has caused significant harm to my credit standing and financial well-being. It is imperative that these disputed items be immediately removed from my credit report to rectify this situation. 

Furthermore, I am deeply concerned about TransUnions history of settlements and legal actions, including but not limited to : The Consumer Financial Protection Bureau and the Federal Trade Commission reaching a {$23.00} XXXX settlement with TransUnion for reporting inaccurate eviction records in tenant background screenings. 
TransUnion LLC facing a class action lawsuit alleging failure to protect the personal information of XXXX XXXX people affected by a XXXX data breach. The lawsuit, filed by XXXX XXXX, alleges XXXX negligent failure to encrypt sensitive information, implement reasonable security measures, carry out adequate analyses and testing of its systems, or properly train its workers. 

These incidents raise serious questions about XXXX commitment to protecting consumer data and accurately reporting credit information. 

I urge the Consumer Financial Protection Bureau to intervene on my behalf and compel TransUnion to take swift and appropriate action to resolve this matter. The continued reporting of inaccurate information not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Consumer complaint received 2020-04-07
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 (NY)

Thief opened up a Pay Pal Acct. under Synchrony Bank on XX/XX/XXXX ... using my ss # and address. They did the same to my husband. They got cash advances and also sent strange packages to my house from XXXX XXXX. Around XXXX of XXXX I tracked a vendor in CA who told me it was a PayPal acct. I called Pay Pal, they could not match my ss # with any acct ... I have told PayPal that I would send packages back ... PayPal did not assist me. On XX/XX/XXXX I got a letter in the mail saying a line increase was refused in my behalf on a PayPal acct. Synchrony Bank. I never opened this account. I immediately shut it down. I filed fraud forms with Synchrony Bank put they are refusing them because acct. was open more than one yr.and had verifiable payment history. On XX/XX/XXXX I filed a police report in behalf of myself and my spouse. 
I never received any statements in the mail during this time, the thiefs did everything on-line, they paid the minimum amts to keep acct active. I have very good credit, this is tied to a company I own.
Consumer complaint received 2020-04-07
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)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off four debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (IL)

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put HSBC bank which was bought out by XXXX XXXX but instead they stated that it was a debt with HSBC Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX HSBC BankXXXX XXXX. 
This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX   could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by XXXX XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

I was put in to forbearance a few times over the years without anyone explaining that interest is still applied ot the account. While they were happy to help me short term, no one thought to tell me what would happen later. Ive had wages garnished, and through all that, the amounts owed really never went down. I'm stuck in a loop here. I havent made any payments in a while, and loan payments are supposed to be frozen but my credit report goes up and down and these loans are listed as part of the issue. 

I can not afford to pay these loans. What do I do??
Consumer complaint received 2021-06-21
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. (NY)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-06-21
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. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-21
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. (NY)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Ive reached out to companies and was told that once reported to the Credit Bureaus I have to take it up with them about the inaccuracies. So I contacted All 3 credit bureaus, wrote letters and never received a response. Then I sent a 30 day comply. Still no response after 30 days.
Consumer complaint received 2021-06-21
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. (LA)

Ive reached out to companies and was told that once reported to the Credit Bureaus I have to take it up with them about the inaccuracies. So I contacted All 3 credit bureaus, wrote letters and never received a response. Then I sent a 30 day comply. Still no response after 30 days.
Consumer complaint received 2020-04-07
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2021-06-21
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  na is showing on my credit report that I owe them {$440.00}. I have been out of the country doing mission work came back after 5 years overseas to find out someone open a XXXX XXXX XXXX XXXXccount and my name this is not mine I have never had a XXXX  XXXX XXXX account this needs to be deleted from my credit reports today I did not open this account this account is not mine
Consumer complaint received 2021-06-21
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: Onity Group Inc. (FL)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (FL)

Filed a dispute on XX/XX/2021 with Equifax because they have my identity incorrect on my report. My last name is listed incorrectly. 

Confirmation number : XXXX Dispute is still pending on XX/XX/2021. The estimated close date is still XX/XX/2021, which is now impossible.
Consumer complaint received 2021-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (OH)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!