davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXXXXXX XXXX XXXX XXXX  Act # XXXX XXXX XXXX Act # XXXX XXXX  act # XXXXXXXX XXXX XXXX ACT # 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
Consumer complaint received 2022-05-30
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. (FL)

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX  XXXX XXXX XXXX  6.XXXX  XXXX 7XXXX XXXX XXXX  8.XXXX XXXX XXXX 9XXXX 10.XXXX  XXXX 11.XXXX XXXX 12.XXXX  13.XXXX XXXX XXXX 14.XXXX XXXX 15. XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (WA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (VA)

I paid off a lease and bought a XXXX XXXX from GM Financial in XX/XX/XXXX. Months later I received multiple calls about owing them {$190.00}. I asked to receive an itemized invoice of what was owed, and stated that I would pay it if appropriate. I received multiple explanations over the phone, including the first representativee I spoke with telling me it must be a mistake ( which I thought plausible with this company as it took me 4 months to get the title - I will not detail that runaround ), to I can't tell you what it is for, to it is for property tax paid on my behalf ( yet they were not able to tell me who they paid the property tax to and for what period of time ). To this date I have not received any documentation as to whom they paid or for what time period. I moved to XXXX, VA in late XXXX and paid a property tax bill from them last year and I shared those details with GM Financial. I have attached an account statement from XXXX, XXXX saying my balance with GM Financial was {$0.00}. It was after this time that I began to get calls demanding payment. I have also attached the limited invoice that I ultimately received in XXXX, XXXX, and to which I begrudgingly paid, that still had no detail as to why I owed them money. Nonetheless, GM Financial reported my delay in payment to credit agencies earlier this year, negatively affecting my credit rating.
Consumer complaint received 2019-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (RI)

Hi, on XX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor EOS CCA has verified my information with them and that the account is accurate. EOS CCA sent me on XX/XX/19 a letter with my name and address saying the original creditor is XXXX XXXX XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019 that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX  XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with XXXX XXXX.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or discard the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
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: SYNCHRONY FINANCIAL (AZ)

This information was on my credit report as a hard inquiry and I did not request anything. 

SYNCB/WALMART PLCC Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX SYNCB/PAYPAL Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advanced Portfolio Group LLC (WI)

I have sent XXXX other complaints through this form and nothing has been done. I have received another call from a XXXX from a XXXX XXXX from an Advanced Portfolio Group. He goes on to say he is needs statement as he is a pre-legal and it is part of his job. He also called me work, again, after I told this place not to call me last week as it is not allow and my voice mail is shared. This XXXX XXXX also called my ex-husband with personal information. They are not allowed to do that. They already know my contact information, so they are not supposed to be calling family, work and long lost ex husbands. I called XXXX XXXX, who is the original debtor. They told me they sold it to XXXX XXXX XXXX Collections. I looked them up. They are licensed in XXXX. I have not heard from this XXXX XXXX place yet. I called the XXXX and a man stated, " hey this is XXXX ''. I said, " what company is this ''. He stated, Advanced Portfolio Group. I mentioned he did not stated his company when he answered, that was a reg flag. I told this XXXX about this XXXX XXXX character, repeatedly calling my work ( XXXX times last week ; including a XXXX XXXX XXXX right after I told the lady at this Advanced Portfolio Group to quit calling me at work and I would wait for a validation letter ) and harassing me and now harassing my ex husband.I asked again to this XXXX not to call my work or anyone else except for the contact home phone they had. I also mentioned that I called both XXXX XXXX and XXXX XXXX and they do not know whom Advanced Portfolio is. XXXX stated, " oh they must be part of XXXX XXXX XXXX, as we are like a sub company ''. I stated I am going to look into this more before I do or say anything else. This XXXX stated he would call me back in a weeks time, but the other calls will stop and this XXXX XXXX will be talked to and reprimanded.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I, XXXX XXXX am a victim of Fraud/Identity theft. Experian continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC 1681 Section 608/623 as well.

15 USC 1666A : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-30
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. (TX)

n accordance with the Fair Credit Reporting XXXX XXXX XXXX in 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
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/2017, {$2000.00} was added to my account at JPMorgan Chase. I called to report this fraudulent transaction. The CSR refused to take any information about the transaction as " Their system was not working ''. When I asked to talk to a supervisor the CSR hung up.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Hello - In XX/XX/XXXX a 30 day late payment was erroneously listed on my credit report that lowered my credit score substantially.  Due to that error on my credit report, Bank of America lowered my credit limit on both of my credit cards.  I received emails onXX/XX/XXXX and letters dated XX/XX/XXXX informing me that BofA was lowering both of my credit limits.  I have been a loyal customer with BofA since XXXX   and have always paid all of my bills on time with them.  I recently had a battle with XXXX XXXX and I am very grateful to be cured.  However, I am working very hard to pay of debt and my credit limits are very important to me.  The error on my credit reports has been fixed and I called BofA thinking they would easily return me to my previous credit limits as the reason for they changed them was in error and was now remedied.  They refused to honor my request and I am frankly astonished.  I am a very good customer with an excellent payment history and I am thankfully recovering from a very serious illness.I sincerely appreciate any help you can give me in restoring my credit limits to their previous levels.  I hope to resolve this quickly and easily so we don't need to go to a campaign on social media to address this issue with BofA.
Consumer complaint received 2017-09-19
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. (ME)

Experian and XXXX I did a dispute with for account that show on my credit report XXXX XXXX account # XXXX I disputed this as not accurate not mine and it came back as updated as investigated correct. It stayed on my credit report. so I called XXXX to find out what information they had, I was send to there special accounts dept. they ask my SS #, MY ADDRESS, MY FULL NAME AND THEY HAVE NOTHING on record. So my question is where did these credit reporting agency 's get there information to say it is correct and leave this on my credit report. I would like this off my report it is negative and hurting my credit score. I hope you can help?? 
XXXX
Consumer complaint received 2017-07-28
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: SYNCHRONY FINANCIAL (NY)

after filing a complaint with the cfpb i tried contacting Synchrony bank and left lots of messages and i did n't get any call back from XXXX XXXX at XXXX ext XXXX i sent them a dispute letter and disputed over the phone but i never got a response from them the results of the dispute i requested from them all documentation what they have to prove there claim but till today 's date i did n't receive anything from them, i believe they are in violation of the FCRA they need to respond within 30 days of the dispute and they did n't, i sent out a dispute letter to paypal on XXXX-XXXX-2017 an a dispute letter to Synchrony bank on XXXX-XXXX-2017 and to XXXX i was requesting validation and i wanted to know how the came up to this amount but i was ignored and nothing was investigated, now here i 'm still in the same situation. i had sent an email to the bank on XXXX-XXXX-2017 to XXXX XXXX President & CEO Of Synchrony Financial and to XXXX XXXX XXXX Executive Vice President & Chief Information Officer at Synchrony Financial an the y never got back to me they ignored my dispute and my concerns,
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Someone stole my identity, but instead of committing actual fraud they just reported me dead. I can't do anything. My car got repossessed and my landlord kicked me out over this, because the system thinks I'm DEAD or trying to steal someone's identity. I've sent in copies of my birth certificate, license, and SSC. Sent in a letter from my local social security office to all 3 bureaus. it's been months. nothing is working. I've spent thousands on hotel rooms and ubers to have somewhere to live and a way to get to work. this is insane. I've been told there's an official death certificate but they refuse to tell me anything about it. as far as I know I have a pulse and pay taxes so I'd like to have a place to live. PLEASE help me.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (TX)

XXXX [ now XXXX BANK ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX XXXX  paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus. 

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code.

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows XXXX dates late [ should be NO lates ], worst payment status shows XXXX days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (VA)

I have been a loyal customer of Best Buy for many years and have always appreciated the excellent service and products that your company provides. However, I recently discovered that there is a late payment mark associated with my Best Buy account on my credit report from XX/XX/2023. This late payment has remained on my record for the past four years, despite my consistent efforts to maintain a flawless payment history. 

It is important to note that this late payment from XX/XX/2023 is the only derogatory mark on my credit report, and I have not missed any payments before or since that time. I take great pride in my commitment to financial responsibility and have worked diligently to ensure that such an oversight does not happen again.
Consumer complaint received 2022-12-19
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. (GA)

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I begin a dispute with Experian on XX/XX/2019 in regards to a bankruptcy on my credit report. The bankruptcy filing was identity theft. Experian stated that they validated the information however I contacted the courts and they advised that they do not report any information to credit bureaus. This bankruptcy has been removed from XXXX  with me providing the proper information however Experian refuses to remove after the proper documentation has been provided to prove otherwise.
Consumer complaint received 2024-04-14
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: OneMain Finance Corporation (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2019-08-02
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. (CA)

My current credit card report shows me having late payments since XX/XX/2014which were not my fault. 

Many times I ould go into a XXXX XXXX branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from XXXX XXXX telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with XXXX XX/XX/XXXX. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response