davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 an 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 items 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 a reasonable cost to believe that this information is an inaccurate.
Consumer complaint received 2021-12-23
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: PNC Bank N.A. (PA)

Spoke to a XXXX XXXX. She said I signed a document to have online statement. Again for 3rd time writing pnc nothing has changed when I told them I am a very busy man. I have over 1000 properties in real estate. I hired my mom to stay at home with my XXXX grandma and to pay my bills which I went to pnc have a worker at pnc that will testify I went in to change address and get statements in mail like I did for XXXX and other cards that didnt mess up and not change my address along with that they know I changed my address and keep sending the letters to address that isnt mine so Im asking since I havent received notice. Im asking that the negative item be removed because of them sending info to wrong address didnt change my address and didnt change my asking to statements. 

Pnc is completely wrong for this and it is their fault. And again I have a worker to help consumer finance get the truth about this horrible bank. Messed my credit up because workers cant get their job done.
Consumer complaint received 2023-01-20
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: SYNCHRONY FINANCIAL (FL)

Between XXXX XXXX XXXX and XXXX XXXX XXXX, the limit on your SYNCB/PAYPAL CREDIT CARD credit card decreased by {$1500.00} from {$2000.00} to {$440.00}. 


wasnt able to attach to previous complaint again a credit limit of XXXX in XXXX TO XXXX IN XXXX XXXX  MONTHS LATER WITH THAT DECREASE IT DROPPED MY XXXX XXXX BY XXXX POINTS AND SAID I WAS OVER MY LIMIT
Consumer complaint received 2021-12-23
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. (CA)

On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with XXXX was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Equifiax FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!
Consumer complaint received 2019-11-24
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, transunion and XXXX has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX XXXX-not mine please delete XXXX  XXXX-not mine please delete
Consumer complaint received 2019-07-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION (FL)

i have disputed this account numinous time due to the fact that this account does not belong to me! I never open a account with you guy or any one in this company its been month since this been reporting on my credit report and at this time Im ready to take the final action if this account is not removed by the end of this month
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NE)

XX/XX/2021 US Bank Cardmember Service XXXX XXXX XXXX, XXXX, ND XXXX To whom it may concern, On XX/XX/2021, at approximately XXXX XXXX, I received several calls from US Bank fraud center alerting me that a fraudulent charge may have occurred on my credit card account, Upon reviewing the charge via the bank website, I confirmed that in fact an unauthorized charge occurred to XXXX for the amount of {$510.00}. I immediately returned the phone call to US Bank fraud center to report this fact. I spoke with a representative, who immediately cancelled the credit card number, issued a new credit card and disputed the charge. I was told that the charge would be reversed. 

On XX/XX/2021 I noticed that the charge was still on my credit card via the US Bank website. I contacted the US Bank fraud center by phone and was again told that the charge would be reversed. 

On XX/XX/XXXX, I received a letter by mail that stated that the fraudulent charge I received had never occurred and therefore the fraud claim was being dismissed with no action taken. I called the fraud center and spoke with a representative who told me that someone had made a mistake and that she could clearly see this was a fraudulent charge. She escalated the issue and told me I would be called by a manager within 48 hours. No one called. 

On XX/XX/2021 I called the Fraud Center again, to get an update, they told me that a manager had to call me. I told them no one called me and I wanted the issue resolved. They told me that there was nothing they could do. 

This is your notice that there is a mistake on my account, that the charge in question was not authorized by myself and that it is fraudulent. I am also notifying you that I am filing a complaint against US Bank to the Consumer Financial Protection Bureau about the issue stated in this letter since you have failed to act appropriately in resolving this matter. 

This letter will be emailed to you and sent through certified mail. 

Sincerely,
Consumer complaint received 2021-12-23
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-23
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. (MS)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IN)

I asked the company to help me on XXXX with a hardship plan. They did said the card would close temporarily and no interest would be charged. 

They closed the account permanently and will not open it back up they also charged all the interest on the account please help. 

I contacted the credit companies twice with chat conversation from me and the credit card company. 

Still the same outcome.
Consumer complaint received 2021-12-23
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-23
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. (NJ)

The company stated that inquiries remain on my consumer report for two years but the inquiries listed in my previous complaint were a result of identity theft and they shall be removed immediately. I also filed a FTC complaint and mailed it to them but they still have not removed these inquiries from my consumer report. They are willfully noncomplying to the Fair Credit Reporting Act provisions.
Consumer complaint received 2021-12-23
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. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-23
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. (TX)

When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for Equifax. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my Equifax credit file with two completely different account numbers. 
XXXX XXXX XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. Equifax found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I received a letter from Huntington dated XX/XX/XXXX informing me that they would be deleting the loan account ending from my credit bureau reports. I would like to know if the credit inquiry associated with the loan account will also be removed. 

In my original CFPB complaint, I stated on XX/XX/XXXX I spoke with the underwriter who finalized the deal about the income that the bank received in the credit application. The underwriter informed me that the credit application from the dealership had the incorrect income, but she assumed it was an error because she knew the loan would not get approved. The underwriter informs me that a zero was added to the income without verifying with the dealership. 

Huntington CFPB response on XX/XX/XXXX was " Upon further review, I confirmed that when Huntington received the credit application, it was identified that the amount of income disclosed on the application may have been entered incorrectly ; therefore, we contact the dealership to retrieve the corrected income amount. Please be advised that as a result of the updated information, Huntington approved and funded your request for financing. '' In the first CFPB complaint feedback and the second CFPB complaint, I refuted your claim that the bank contacted the dealership to retrieve the corrected income amount BEFORE approving the request for financing. Based on the conversation I had with both the underwriter of Huntington and the finance manager of XXXX XXXX XXXX on XX/XX/XXXX, I do not believe Huntington contacted the dealership to verify the income before approving the request for financing. 

I would like to get clarification as to why Huntington is claiming that they indeed contacted the dealership before approving the request for financing while the underwriter and finance manager claims otherwise. Proof/evidence of Huntington contacting the dealership before approving the request for financing would be appreciated.
Consumer complaint received 2021-12-23
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-23
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-09-09
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2019-09-09
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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
Consumer complaint received 2019-09-09
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. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I paid to Macy 's {$21.00} back on XX/XX/2019, this payment would had bring the balance on account # XXXX to {$0.00}. But they applied the paymeny to a different account #, which is XXXX. The payment was made electronically, trough XXXX XXXX XXXX, from my checking account ending on XXXX, credit trace # XXXX.

Payee name : MACYS Payee address : XXXX XXXX XXXX XXXX OH XXXX.