davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
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. (GA)

Re : Account ( s ) : # XXXX Account Name : XXXX XXXX XXXX XXXX My Social Security number is : XXXX My date of Birth is XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020, and my report # XXXX shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action by filing a lawsuit and seeking damages. Also, I have re-disputed this fraudulent account from my credit report a numerous of times since XX/XX/2020, but you all are complying with the company and keep reinserting this fraudulent account back on my credit report. Your agency may avoid such action by immediately and permanently deleting this listing from my credit report. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX  to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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: GOLDMAN SACHS BANK USA (GA)

Re : Account ( XXXX ) : # XXXX Account Name : GOLDMAN SACHS BANK USA My Social Security number is : XXXX My date of Birth is XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020, and my report # XXXX shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action by filing a lawsuit and seeking damages. Also, I have re-disputed this fraudulent account from my credit report a numerous of times since XX/XX/2020, but you all are complying with the company and keep reinserting this fraudulent account back on my credit report. Your agency may avoid such action by immediately and permanently deleting this listing from my credit report. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MD)

On XX/XX/21 I submitted a deposit from my XXXX XXXX bank account to my credit karma bank account at that point it told me that it would be available XX/XX/21. So I setup my bill pay for XX/XX/21 for XXXX  XXXX credit card payment to come out. Credit karma reversed the transaction on the XXXX the same day that I was told funds would be available. This caused me to have a late fee with my XXXX  XXXX credit card payment. This is the 3rd time this happened, the first time credit one reversed the late fee, 2nd time I contacted Credit karma support and they advised me the funds were not available and that the payment not going through was my fault so I let It go. This time I KNOW this is not my fault and I submitted A support ticket for them to credit the fees because it is their fault not mine and still no response.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

I have new and updated information regarding my previous complaint XXXX. Synchrony Bank alleged in its response that my application for a TJX Rewards credit card was made in store however, the attached email states that I initiated the consumer credit transaction online and on a different date than what Synchrony Bank stated in their response.
Consumer complaint received 2021-12-18
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: BARCLAYS BANK DELAWARE (AL)

My father opened an account with Barclays and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (IL)

I received a copy of my credit report and saw that Choice Recovery was listed as the account holder for an account. I had never recieved any notifications from this company that I owed them a debt. I sent letters to validate the debt on XX/XX/2021 and never recieved a response. I sent follow up letters on XX/XX/2021 and XX/XX/2021 and still have yet to receive a response from Choice Recovery. I would like to have this account deleted from my credit report because Choice Recovery has failed to validate this debt and send me a response in a timely manner. I have also filed disputes with the credit bureaus of which I have not heard from them either. Choice Recovery is listed on XXXX, XXXX, and XXXX. This month I noticed that XXXX is reporting the same account twice with different account numbers! All the other data is the same except the account numbers. I am filing this complaint for myself and have included my ID, copies of the credit report, and copies of the letters I have sent to Choice Recovery.
Consumer complaint received 2024-02-22
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. (NJ)

I made payment that the XXXX people asked for They then showed a 60 day late. without any 30 day lates. 
I oaid what they asked for on the day. XX/XX/2024. and got a confirmation that I sent them. 

They still say it was a late payment They have made multiple mistakes with payments on both my accts over the last two years.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have taken the steps toi attempt to get my personal information, updated and corrected. I have sent the documents that are current and legal, my legal name is on my state issued drivers license in the State of Texas, and my Government issued Social Security Card. In my dispute of what is being reported, Equifax credit Bureau, continues to not change the incorrect spelling of my name. Equifax continues to list my reports with my middle name with an letter. Instead of the full spelling of my name. I have sent documents that are current and legal, but yet they continue to put a letter only for my middle name. Instead of my full middle name as presented on my drivers license, and my social security card. The other two credit bureaus XXXX, and XXXX XXXX are presenting my name spelled correctly as stated on my drivers license, and social security card. am requesting and demanding that Equifax present my full legal name as stated on my identifications
Consumer complaint received 2021-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (AL)

I want to check that the daily finance charges that are being applied to my account based on my payment dates are calculated and applied accurately to my owed balanced. I requested the records of how finance charges have been assessed and applied to my account and was told that I could not request this service online. I called the 1-800 number provided to me and was unable to reach an operator three times.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-12-18
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. (PA)

I have submitted several Identity Theft Reports and Dispute to Experian regarding an account that they refuse to remove from my credit report. XXXX XXXX XXXX is claiming that I owe them {$220.00}. I have no knowledge of this account and filed an Identity Theft Report for Experian to review. I requested that Experian comply with Federal Law 15 USC 1681C-2 ( A ), and DELETE/BLOCK this account, the law states that they MUST honor it, however they disregarded my request and claimed that I am responsible for this debt. Experian has not sent me any PROOF or VALIDATION showing that this account is mine, they are simply agreeing with the alleged company allowing them to collect a debt from me that is not mine and furnish inaccurate information on my credit profile. This is wrong and I feel like my rights as a consumer are being violated, and ignored. I recently filed complaints with the BBB, and my States Attorney General I am hoping that my complaint is resolved as I am already suffering damages due to Experian 's negligence and non-compliance with Federal Law.
Consumer complaint received 2021-12-18
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. (TX)

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (CA)

Received calls from this number on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for verification number. 

I have never received mail from a debt collector or verification number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep also stated twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ).
Consumer complaint received 2020-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a car loan with XXXX XXXX XXXX XXXX in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, XXXX XXXX sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now XXXX XXXX and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling XXXX XXXX XXXX XXXX and getting nowhere and being continuously hung up on.
Consumer complaint received 2022-10-02
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. (MD)

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. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, Exper XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, Exper shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-02
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. (AZ)

On XX/XX/2022, I called XXXX XXXX XXXX XXXX, XXXX and Experian and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from XXXX indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from Experian indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.
Consumer complaint received 2023-02-04
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. (NC)

In accordance with the Fair Credit Reporting act the companies below have violated my rights. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX  XXXX XXXX XXXX {$2200.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$110.00} 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.

Pursuit of 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4.
Consumer complaint received 2021-12-18
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. (MD)

Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.