davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I tried to file a dispute over the phone an the representative gave me a really hard time he talked down on me the entire time while also calling me names he also stated that he could tell I was XXXX by my tone of voice an suggested XXXX people only file disputes because were poor. This all took place on XX/XX/24 around XXXX I called back trying to get information on the representative however the new agent said she couldnt give me any information an that I needed to report the entire company.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2022-08-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX late payments XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX late payment XXXX. XXXX XXXXXXXX XXXX : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX late payments XXXX. XXXX XXXXXXXX XXXX XXXX XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXX XXXX : XXXX. XXXX late payments XXXX XXXX XXXX XXXX XXXX : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these accounts on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement Of Identity Fraud XXXX. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations XXXX. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (NV)

I made a one-time final payment offer to the XXXXXXXX program solution. It was done with XXXX agency. They called XXXX and made the final pay-off total for the XXXX loan. The price and close-out charges were sent by me to XXXX. 
Now, I have been told that I have a balance due amount. I totally disagree.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (CA)

My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-10-14
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. (CA)

I have a few accounts that is reporting on my credit report without my consent, without the proper investigation of said companies the bureaus are allowing to be reported on my credit is a violation of my consumer rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number 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.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I used XXXX XXXX to check my consumer report on two separate occasions, I noticed a transaction was placed on my report and shortly after was deleted. this goes against the fair credit reporting act because as it stands, information furnished to any consumer report must be accurate and I understand I was violated and as a result was damaged. the information was deleted showing me XXXX XXXX allowed inaccurate information to be furnished initially. and admitted to their fault by deleting the account.
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (NC)

I filed a complaint regard XXXX XXXX and my credit score went from the mid 700 's to the lower 600 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.
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 — Account information incorrect
Company: EQUIFAX, INC. (VA)

On Friday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXXs they have not been reporting accurately to XXXX  or equifax. On my report it shows I still owe XXXX and I actually have a XXXX balance. XXXX XXXX says they would fix it and then today XX/XX/XXXX they reported again to XXXX with wrong information further dropping my credit score. I have disputed this several times with equifax and XXXX and every time XXXX XXXX says their info is accurate. I called equifax and they said it was up to XXXX XXXX XXXX to report accurately.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (KY)

Robinhood let someone transfer {$5500.00} out my account XX/XX/2021. Individual had there bank account attached to my Robinhood account because she had owed me money I forgot to remove persons account from mine. She had gained access to my account and transferred {$5500.00} from my account to hers. Robinhood wouldn't let me access my account for 4 months. Once I finally was able to see money was gone they refused to do anything about it. This is a individual account as Robinhood does not offer joint accounts. Money was transferred to a chase bank savings account. XXXX XXXX  said they have no problem returning the money but Robinhood has to initiate the process. Robinhood refused to do anything. I'm out {$5500.00} XXXX XXXX  said Robinhood should get my money returned any other bank would. Robinhood is a bunch of criminal fraudsters. Don't trust them with your money. I will upload pictures where transactions kept getting declined my account should have been froze for suspicious activity but instead Robinhood rejected the transaction about 10 times then finally decided to let it be authorized.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

By 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. 

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX  # REF : XXXX 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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 2023-03-01
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. (KS)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$620.00}.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

They wont show me original documents stating that I borrowed {$30000.00} from them. They wont show me no signature that I borrowed any money from them. XXXX XXXX XXXX account number XXXX. According to 15 USC 1681 602 a and 15 USC 1681 602 b and 15 USC 1681c section 5A. Remove this account from my credit report please and thank you.
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. (NC)

I have contacted Experian, XXXX, XXXX and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXXwith Experian. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of XXXX  has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing this complaint due to an ongoing issue with Bank of America concerning my credit card account XXXX XXXX XXXX XXXX. After requesting a credit limit increase and providing all requested documents for income verification, I was informed that my account is under consideration for closure, which has not yet occurred but seems imminent. This situation has caused me significant distress and potential financial hardship. I believe the process has not been handled with the transparency and customer care that is expected.
Consumer complaint received 2022-03-23
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. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (IA)

I received a collection notice in the mail from Receivables Performance Management in XXXX XXXX, The collection notice was for a XXXX account opened XX/XX/2022. This was opened in my name without my knowledge and showed up on my credit report. I had no idea this account was opened until I received a collection notice just recently. I filed a fraud case with XXXX, reported this to the police, put a freeze on my credit, and disputed with the credit reporting agencies. XXXX completed their investigation, and the result is they are saying this is my debt. The result was with their consultation with XXXX. This is not my debt and need this corrected. I called XXXX and they could not find an account in their system. I wanted to know all the information on the account such as when it was opened, how it was opened. time of day it was opened, where it was opened and they could not find an account. I have worked hard to keep my credit rating excellent and this is ruining it and I need to have this removed and my credit rating restored.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. Although the account had a late payment, it has been well over 7 Years from the Opening date. This is having a negative impact on my score which is unfair being that the account is very old. I tried to submit a dispute with Experian again on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. 

The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-15
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. (IL)

XXXXXXXX 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 AS WELL AS RETAIL CREDIT ACCOUNTS POLICE REPORT XXXX Deceptive Collection practices-False Personation XXXX. COPIES SENT TO AGENCIES.
Consumer complaint received 2023-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Someone is using my info to open and use a XXXX XXXXXXXX XXXX  credit card. My credit has always been outstanding and in the last 60 days its dropped hundreds of points due to this credit card claiming I am delinquent on a debt I do not owe. I do not have a XXXX XXXX XXXX  credit card and would like for this matter to be investigated. I have made a fraud claim with them directly and am now making a fraud claim with you.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, there was a withdrawal of {$800.00} taken out of my chase checking account at an ATM. The transaction was not done by me. Once I saw this transaction occurred on my account I reported it to chase XXXX department and they said there will be an investigation. They closed my debit card and issued me a new one.They subsequently refunded the money back into my account pending their investigation. The claim was then reversed on XX/XX/XXXX and the money was again taken out of my account. I called chase again to rectify the situation and they said after their investigation it was determined that it wasn't a mistake because it was an atm withdrawal with a chip. Again, it was not a transaction that I did and when I asked for more information or video footage to determine who the culprit was they said they could not provide that to me. Now I have an overdrawn bank account with a negative balance and no solution to the fraud that's been occurring on my account.
Consumer complaint received 2021-12-27
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. (FL)

I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX  XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX Date opened - XX/XX/XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove this inaccurate information from my credit report. 

XXXX  Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report. 

XXXX Date opened - XX/XX/XXXX Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Please remove it from my credit report.