davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX : {$26000.00}
Consumer complaint received 2023-12-27
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
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 (MA)

On XX/XX/2020, I noticed a fraudulent pending charge on my PayPal Mastercard administered by Synchrony Bank for {$63.00} from XXXX XXXX XXXX. 

The card number must have been stolen since I still have the physical card. I closed the account and demanded that the charge be removed since it was fraudulent. 

Later on XX/XX/2020, the charge from XXXX XXXX XXXX was broken into two ( 2 ) transactions, one for {$19.00} and the other for {$43.00}. 

I notified Synchrony Bank that both charges were fraudulent and demanded that both be removed. 

Synchrony Bank refused to remove the {$43.00} but did remove the {$19.00} charge only after I harangued customer service. He told me he could only remove up to {$25.00} and that it would take 60 ( sixty days ) to do an investigation. 

Synchrony Bank is in violation of the Fair Credit Billing Act. Both charges should be removed immediately and no interest charged. 

I sent Synchrony Bank a letter demanding this and they have refused. 

Kindly see attached letter.
Consumer complaint received 2023-05-08
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 Consumer Credit Protection Act, Public Law 90-321 ; 82 Stat. 146 ; 15 U.S.C. 1601 et seq.

As you are aware, the Consumer Credit Protection Act provides consumers with certain rights regarding the accuracy and fairness of their credit reports. One of these rights is the ability to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 2023-12-27
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. (FL)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-03
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: I.C. System, Inc. (OH)

Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX  XXXX   # XXXX -XXXX  XXXX, XXXX. # XXXX -XXXX  XXXX XXXX # XXXX -XXXX   XXXX  XXXX  XXXX XXXX XXXX -XXXX  # XXXX -XXXX  # XXXX -I.C. SYSTEM, INC # XXXX -I.C. SYSTEM, INC # XXXX -XXXX XXXX # XXXX
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.
Consumer complaint received 2020-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Well I really didnt want it to come back to this I thought the issue was getting fixed but I guess this is how dealing with Huntington bank is gon na be. I was on here before because Huntington messed up my home insurance and wanted to charge me for forced place insurance but we have gotten past that I was reimbursed and they found that they were at fault and I was not so with that said my roof was paid for so Im very happy they stepped up and admitted to their faults but my ceilings are still messed up from the same incident and some how no one from Huntington knows how to straighten the issue out Obviously if the roof was damaged then the inside ceilings were damaged from the storm but whoever Huntington sent out took pictures of the ceilings and then it was like they were lost and after finally getting ahold of XXXX XXXX ( sorry if incorrect spelling ) enough times she found that the ceilings was denied I cant remember the exact reason but if I remember correctly they tried to say it wasnt from the roof being damaged Which is complete nonsense and just plain XXXX I am not a carpenter or ceiling person but I know what damage is and it also looks horriable I have called XXXX many times and just like before I never get a call back and when she directs me to call Huntington insurance they just dont know what the XXXX is going on or dont know how to do their job no matter who I talk to they send me to this person or this part of the company then they send me back and forth just to waste my time and not get anything delt with Ive called XXXX 3 times in the last 3 weeks and I will be caking Monday to And if shes is not able to get back to me then she needs to get me someone who will and also knows what all has happened This is not the first time I had horrible trouble getting ahold of someone or at least a call back my first complaint was the same I want my ceiling fixed Im tired of this cat and mouse game Their next excuse is probably gon na be its been to long well Thats not gon na fly the time it has taken to get even this far is because of Huntington I want a call from someone whos actually gon na solve the whole issue and is gon na actually call me back with their 24hr call back policy I was told about that no one there follows
Consumer complaint received 2020-10-04
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. (PA)

There are two accts on my credit report, see attached that have no info, dont know whos owed, XXXX  and Equifax wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to XXXX and Equifax, still pending after all this time wont remove.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

We paid Barclays Bank Mastercard {$540.00} XX/XX/2020. Barclays Bank Mastercard refuses to credit the payment to our account. They are now charging interest and penalties even though they already have the payment! 

They said it was paid one day too early, so they will not credit the {$540.00} to our account. They won't return it either. This is nothing short of theft!
Consumer complaint received 2023-01-09
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. (FL)

Hello I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my credit score. I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for two car payments The email dated XXXX XXXX XXXX cleary asked for one payment to be made before XXXX XXXX XXXX to avoid a 30day late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with XXXX. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no 30day late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against XXXX if this is not corrected with all three major credit bureaus.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (PA)

XXXX debited my checking account for {$89.00} and Huntington bank refuses to reverse this charge!! And XXXX  is taking over 10 days to do anything about it!
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I have made several attempts from XX/XX/XXXX-XX/XX/XXXX with certified letters to Lanier Collection Agency and XXXX, for verification on a medical debt of {$67.00} which they say I owe. I only received a bill with very little information and was told it was validated.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On my credit report through a credit reporting agency specified as XXXX XXXX states that my Transunion  score has lowered 52 points due to XXXX XXXX onXX/XX/2020
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # 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 they are false.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX  SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO BAYVIEW LOAN SERVICING LLC WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO BAYVIEW LOAN SERVICING LLC. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE CITIFINACIAL AND XXXX XXXX  HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS BAYVIEW LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE THIS.
Consumer complaint received 2020-09-26
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. (NJ)

XXXX, Experience and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I have sent several letters and phone call to Santander consumer USA. In regards to this matter. Back in XXXX and XXXX I was injured and spent a month and half in the hospital. At this time do to the circumstance I had my mother reach out to Santander consumer USA to make payment on my account. They told her that could not speak to hear because she was not on the account. This cause my account to have two late payments. I was never late for a whole year. I trying get a approve first time home buyer and I don't want this matter to cause me to be denied.
Consumer complaint received 2020-09-26
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. (NJ)

XXXX, XXXX  and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account
Consumer complaint received 2020-10-03
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. (GA)

In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.
Consumer complaint received 2020-10-03
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. (GA)

In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (NY)

On XX/XX/2019 I was involuntarily given an ambulance ride and stayed overnight at XXXX XXXX hospital. They neglected to properly take my insurance information and billed me as a XXXX patient. I was fully insured by XXXX XXXX as a Department of XXXX XXXX in XXXX XXXX XXXXXXXX. I have since called my insurance company 3 times to settle this. They have assured me that they have handled it with the hospital and I do not owe any money whatsoever. I have continued to receive calls and mail from USCB debt collection agency asking for payment ( XXXX dollars ) on this " delinquent account ''.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (OK)

I called this company on XX/XX/2020 to settle the debt. The original amount was {$600.00}. It was agreed that i could settled the debt for {$420.00}. I asked what this would be reflected as on my credit report. The representative said Settled in full. I asked to receive proof of settled debt by mail or email. They said they would send me something in the mail. I never received it. I have called twice since then and have not received anything. I ended up disputing the debt on my credit report. It was then updated to the amount of {$420.00} being paid, but now says i still owe a remaining balance of XXXX. This is incorrect due to the fact i was told that the amount i paid would be reflected as settled in full. I am frustrated that i still have not received anything from Paramount recovery showing proof of payment and that the debt was settled.