davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank decided to decrease my credit limit on my Amazon Store card which was opened in XXXX of XXXX, from {$500.00} to {$150.00}. I am not sure of the exact date that this happened as I did not receive any notification of this. 

On XX/XX/XXXX, I checked my XXXX XXXX and noticed that it had decreased by 29 points. Upon further investigation, it seemed that this happened because my credit limit on my XXXX XXXX card had decreased. 

When I contacted the company, they informed me that they do a credit check every 90 days and because my credit score had gone down XXXX slightly ), they decreased my limit. Even though I have always made my payments to them. My score had gone down slightly due to the fact that I was shopping for a mortgage. 

Now I am worried that they will check again in 90 days and see my score has gone down even more ( because of them ) and decrease my limit once again which will in turn decreased my credit score again. 

When I asked them to increase my limit back to {$500.00}, they would not. They informed me that there would be another check in 90 days. My score is not going to go back up over 30 points in the next 90 days!
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Experian is reporting 3 inquiries on my credit report. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Ive contacted XXXX XXXX XXXX and they could not validate that I authorize the inquiry. I have enclosed a correspondence that they mailed to my address stating the facts.
Consumer complaint received 2023-06-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-17
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. (NJ)

On XX/XX/2021, i paid XXXX XXXX XXXX a payment of {$89.00} to settle a charge-off collection from XXXX XXXX. In exchange of the settlement payment they had agreed to remove or get account deleted from my credit. So far that account has been removed from XXXX  but not on Experian nor XXXX. 

Every time i submit a dispute to Experian and XXXX  thier investigation result keep on coming back verified or updated without no validation letter. 

I even sent Experian and XXXX  a deletion letter agreement from both the collection agency and the original creditor in order to that account deleted by the credit bureaus themselves.
Consumer complaint received 2021-04-17
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. (NY)

I have asked experian XXXX and XXXX several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc. (WA)

I was making payments and the car got repossessed so i got it back by buying it back from the auction it was at and the car came back with so much damage and i called the tower and reliable credit asking for some compensation it was effecting the way it drove and it was not safe they never got back to me and told me there was nothing they could do about it.
Consumer complaint received 2023-06-29
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear XXXX Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX XXXX * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that XXXX : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection.

3. Provide written confirmation of the removal of this collection.

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k.

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00} ; XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6700.00}.
Consumer complaint received 2021-04-17
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. (IL)

I was checking the rates I would get for credit cards and was instantly approved and issued a card. This makes my credit score weaker since I now have a lower average length of time with accounts opened. I don't understand why you can't just check w/o having a credit card issued. I did not and do not want that credit card or the negative impact it has made on my credit report.
Consumer complaint received 2022-01-31
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. (CA)

Trans Union sent me a corrected report with all the missing accounts, but when a creditor pulls my credit it still only show one new account not all the old accounts, causing harm to my credit.
Consumer complaint received 2023-02-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXXT XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}
Consumer complaint received 2021-04-17
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: Grain Technology, Inc. (NY)

In XXXX, I was going through my XXXX credit report and noticed that Grain Technology had not reported my account statement since XXXX. On XX/XX/XXXX, I sent them a message asking about whats going on with the lack of reporting with screenshots from XXXX that show the most recent report being in XXXX. They didnt respond until XX/XX/XXXX, I also tried calling them in that time but no representative answered, with some generic answer about escalating it to the credit reporting team. I tried to follow up with them, and on XX/XX/XXXX, I received a message that XXXX did not update our XXXX and XXXX credit reporting and that they have resubmitted the reports. Since then, my XXXX statement date of XX/XX/XXXX has passed and the only change is reporting has been updated to XXXX ... still three months behind. Grains reporting is also one month behind for XXXX and XXXX. Ive opened disputes for those, since contacting the company directly has been ineffective ; its a terrible product with even worse support and services.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NY)

Checkr 's did a background check for XXXX and XXXX in which it submitted inaccurate information. It was noted in the background check that I was convinced of XX/XX/XXXX in XXXX and XX/XX/XXXX XXXX in XXXX. However, those charges have since been reversed as of XX/XX/2020 and I am no longer convicted of those charges. I am a free man no longer convicted of any XX/XX/XXXX. I need this error to be corrected because the companies I wished to work for are not interested in employing a convicted XX/XX/XXXX. I have the necessary documents to show that my case has been reversed.
Consumer complaint received 2021-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

I attended XXXX XXXX  College XXXX in the XXXX ( remotely ) from Fall XXXX through XX/XX/XXXX for the equivalent of a XXXX XXXX XXXX, paid using Sallie Mae loans. ( This is because the school, and the U.S. Department of Education, insisted that I was somehow unable to use my federal student loans for my attendance. ) Since then, Sallie Mae has been, at best, difficult. I received my degree in XX/XX/XXXX and they attempted to collect payments prior to my receipt of my degree. Then, after receiving my degree, I notified them that my current financial situation ( public servant, with a wife who is a XXXX, in XXXX XXXX XXXX ) and my inability to presently pay the loan. They argued with me. In early XXXX, I fought with Sallie Mae repeatedly, until a high-level Sallie Mae executive wrote me a letter saying they had created a new program that would allow me to defer my loans -- for only three months at a time -- due to financial hardship. Since then, I have been calling every three months to notify them that I am still a public servant in XXXX with a XXXX wife and that I still am not in a financial position to begin paying my loans. I also notified them, in XX/XX/XXXX, that I have gone back to school for a graduate degree in law from the University XXXX XXXX XXXX XXXX XXXX ( remotely ). 

Now, I am approximately 45 days from having to begin to make payments on my existing Sallie Mae loans, because they have determined that I am somehow no longer qualified for this deferment/forbearance program and/or that I have used the program for what they decided was somehow too long. This ignores the fact that I will be in-school until at least XX/XX/XXXX. This ignores the fact that I live in one of the most expensive cities in the country, but live on a XXXX federal salary, combined with the salary of a local XXXX XXXX XXXX  Although we have been getting our financial situation in order -- to include substantially reducing our non-student loan debt load -- we are not yet sufficiently financially stable for Sallie Mae to be demanding payments. 

Sallie Mae has been disruptive and disrespectful throughout this process, constantly inventing new ways to tell me that I must pay them money I don't currently have. These two loans need to have their payments delayed/deferred until XX/XX/XXXX, at least, due to my in-school status and my ongoing employment, domestic, and financial situations. Sallie Mae, however, refuses to cooperate.
Consumer complaint received 2021-04-17
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. (NY)

I have asked XXXX XXXX and transition several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (IN)

In XX/XX/2020 XXXX XXXX settled with me through a lawyer for the amount of XXXX on a joint loan. They agreed to monthly payments of XXXX a month for 24 months. I have been making the payments the lawyer and on my credit report is still wrong. They are still saying I owe more and not making timely payments. I have all receipts and letter of settlement.
Consumer complaint received 2021-04-16
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. (IN)

I have disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Trans Union how legally, the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Trans Union has not done a legal verification of this alleged creditors and taken them off my credit report.
Consumer complaint received 2022-01-31
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: A Credits Works (VA)

THIS INDIVIDUAL BY THE NAME OF XXXX XXXX XXXX IS KNOWN AS A CON XXXX FOR STEELING AND OBTAINING PEOPLE 'S CREDIT CARD INFORMATION. SHE HAS BEEN A SUSPECT AND CONVICTED WITH FRAUD ON MANY DIFFERENT OCCASIONS. SHE GOES BY THE NAME www.acreditworks.com and has fake reviews on her sit of people who she personally knows to have them put on there. This girl is a con XXXX. She poses as a previous owner of a car dealership but looking into VA state court records she is massive con XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-01-31
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.
Consumer complaint received 2021-04-17
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. (VA)

I am a XXXX. I have been trying to have my XXXX sister 's and my credit separated by Equifax for years. I'm so upset and frustrated. I managed to get XXXX and XXXX to separate our reports years ago. It has been a nightmare trying to get my credit separated through Equifax. I sent 3 letters of dispute/dissociation to Equifax, one in XXXX, one in XXXX, and another in XXXX to no avail. I have sent the documentation requested including evidence of my accounts and current address with background information that supports that we are two different individuals with different lives. I have been in contact with representatives that have lied and assured me that our reports would be or have been separated. I will be consulting with a lawyer about my options because at this point it's stopping me from moving and or making life-changing purchases.
Consumer complaint received 2022-01-31
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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA ()

XXXX issue/ wallet Billing. My XXXX was stolen awhile back. Unfortunately phone was not locked. The thief enter and took over my email account ( XXXX, app account, ordered items off my credit card, and deleted all pictures from my XXXX/ phone. This incident forced me to close all accounts through XXXX, use my other email account, and to order a new phone. Additionally, I was forcibly locked out my XXXX for nearly two weeks. 
Upon receiving my next phone XXXX could not provide me access to my remaining information left in the XXXX with the new address of XXXX. To make me whole from the experience, it was suggested to keep the username of XXXX but to use my new email of XXXX. 
Since the theft of my phone and information I havent used XXXX. 
Apple Card services has charged Me for apps, on two occasions in the amount of {$2.00}. The charges appeared in a wallet app on my phone that I had no knowledge existed. I was told notifications were sent to XXXX My credit issue was only discovered after I pulled my credit for denied credit. Upon calling my first issue of complaint was that a bill was never mailed out for the charges. This is when I was I informed of the wallet. I was informed that paper bills are not mailed and instead the bills and sent to the wallet app. Being old school, a wallet on my phone didnt sink it.I was walked through this process by the responding agent and the matter was partially resolved. Meaning they got their {$2.00} and late fee for the app not being paid. I, on the other hand, I did not know the wallet existed nor did i know a there was a bill on my phone. As a result, I got a report of being late of XX/XX/90 days. This incident Turned my credit score from the XXXX to XXXX or less. I pay my bills religiously! I have called and requested paper bills but they say its not an option. Ive called Goldman Sachs several times requesting a removal of the items in Good Faith and each time the dispute resolution department disconnects from the call. I desperately need help.
Consumer complaint received 2023-02-20
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. (NE)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.