davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) 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 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( A ) reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information XXXX my credit report XXXX also sending you the letters i sent to the reporting agencies. 
15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

I opened an XXXXXXXX XXXX Card account in XXXX of 2021 and closed the account one month later, but they havent returned my {$200.00} deposit back since then. Ive contacted customer service at least three times but theyve always said that if my account doesnt have anything owed ( which it didnt when I closed it and still doesnt ) that Ill receive my check in the mail within 14 business days. Its been over a year now and its not an issue of them having the wrong address because theyve sent me mail asking how my experience with their customer service was when I had to ask where my deposit was yet again.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We deposit annually a clients check in the amount of {$63000.00} into Bank of America. We always get bank acknowledgement from either teller or branch manager to not hold this check. XX/XX/XXXX we deposited it again and got verbal and written acknowledgment that BOA wont hold it. This money is designated to XXXX XXXX as premium fund account. In XX/XX/XXXX BOA mailed a letter to notify it was held and not paid so it cause our account to be deficient and fees ( {$70.00} ) were charged.

I talked to branch manager without any resolution. We have been banking with that branch of BOA for over 32 years.
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

SYNERPRISE CONSULTING is trying to collect {$9000.00} for a Medical Debt. I was not informed of back in XX/XX/XXXX for a medical debt for XXXX XXXX back in XXXX. They have included this collection in my credit report for 5 five years and have not given me an itemized list of the charges. 

I contacted the company several years ago to get information on this collection after finding out about this collection while setting up a saving account in XXXX, as seen is the attachments below. The agency did not give me any information other than the amount and where the collection come from. I did not get the right to dispute the charge or what are the charges. 

I was still not given any written information nor any type of bill about the charges after calling the agency. When I called in to the company, they asked if I would just like to pay it in full and I stated that I want written information about this debt.
Consumer complaint received 2024-02-22
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. (NJ)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

On XX/XX/XXXX, in a conference call with myself and the insurance provider, XXXXXXXX XXXX became aware that the fraudulent insurance claim they submitted was not eligible for payment and they agreed to stop trying to collect any more money for this {$18000.00} bill for services not provided and refund the {$13000.00} that was collected on this charge. After time had passed and I did not get a check, I called back on in XXXX and the patient accounts lead confirmed that she had forwarded this account to legal and that they should have drafted the refund by now, but she did not know why they didn't and didn't have a time frame. After this, legal sent a gag letter saying we were not allowed to call and that we would have to submit more communication in writing. We did submit more than one certified letter after this and they never responded. They did not respond to the state consumer protection complaint either. They submitted bills for services in XX/XX/XXXX and we disputed the bills because they still owed a refund via certified mail and the dispute was not acknowleged or responded to. We sent written follow up in the medical chart as well and it was not responded to other than saying " we aren't allowed to respond to you '', and then 2 more letters were sent with no response. Then we recieved a notice from a collection agency for the debt and we sent them a certified mail dispute and this collection agency did not acknowlege or respond to the dispute either. The collection agency is IC System with reference number XXXX and the dispute was sent with tracking USPS XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (MO)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Consumer complaint received 2018-03-02
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: BARCLAYS BANK DELAWARE (WI)

Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days,  amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Other — 
Company: WAKEFIELD & ASSOCIATES, INC. (UT)

Wakefield & Associates is collecting a debt that is not valid on my report. I have disputed them through all XXXX credit reporting agencies, XXXX did not verify the debt as valid. XXXX said the company verified the debt. When the company was contacted, they were very abrasive and rude. XXXX is lazy in their verification process. XXXX reported that they did a XXXX part inquiry to verify. The company could not verify the information, yet somehow XXXX insists that they did.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 

1. Synchrony Financial - XX/XX/2021 2. XXXX XXXX XXXX - XX/XX/2021 3. XXXX XXXX XXXX - XX/XX/2021 4. XXXX XXXX XXXX - XX/XX/2021 5. XXXX XXXX XXXX - XX/XX/2021 6. XXXX XXXX XXXX - XX/XX/2021 7. XXXX XXXX XXXX XXXX XX/XX/2021 8. XXXX XXXX XXXX - XX/XX/2021 9. Syncb/Care Credit - XXXX XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (NE)

Central Portfolio harassed me into paying medical bills I could not afford and should have been covered under insurance. They then placed the debt onto my XXXX credit file which has harmed my credit and prevented me from purchasing a home. This is a direction violation of the FCRA.
Consumer complaint received 2015-12-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SD)

I purchased my vehicle from XXXX XXXX in XXXX and financed my purchase through Nissan Acceptance Corp on XX/XX/XXXX. At that time, I resided in Texas and my vehicle was titled and registered in that state. I moved from XXXX to XXXX in XX/XX/XXXX and my registration was good through XX/XX/XXXX. Knowing my registration was due to expire, I took a day off work on XX/XX/XXXX and drove XXXX miles to the XXXX XXXX XXXX Department to get my title and registration transfered. I worked with XXXX MVD employee, XXXX, and she advised Nissan needed to release my title in order for my registration to be renewed. XXXX attempted to call Nissan around XXXX. After several minutes on hold, me and my boyfriend called from our personal cell phones trying to get through to the same number. Nissan kept us all on hold saying, " We are sorry for the delay, but due to our new website you will be experiencing longer waits. '' XXXX was forced to hang up after quite some time in order to help other customers. Instead she faxed the request to Nissan. However, my boyfriend and I stayed on hold from our cell phones for over XXXX hours waiting for Nissan, but no-one ever answered. Since then I 've tried diligently to get a hold of Nissan and even reached out to the dealer where I purchased the car. On XX/XX/XXXX, I contacted XXXX XXXX in XXXX and explained my situation. They said one of the finance officers would call me, but I never heard back from them. I finally got a hold of someone at XXXX XXXX and they gave me a phone number for Nissan that is disconnected. I continued to call Nissan on several other occasions, XX/XX/XXXX & XX/XX/XXXX and encountered the same message about the long wait period due to there new website. On XX/XX/XXXX, I called the XXXX Department of Transportation and was told they were not holding up the process, the title release request was pending with Nissan and I just had to wait. On XX/XX/XXXX, I enlisted help from the local Nissan dealership here in XXXX, XXXX. I spoke with their title representative, XXXX, who offered to help me. XX/XX/XXXX i sent XXXX more info. She sent me a message that she was still trying to get a hold of Nissan. Another week later, she sent me a message that was finally able to get in contact with Nissan and they said they never received the request to release my title. XXXX contacted the XXXX XXXX, who confirmed they submitted the original request to Nissan and requested they submit the request AGAIN. I still have not heard from anyone about said matter and it is XXXX XXXXXXXXXXXX
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I rent an apartment at XXXXXXXX XXXX XXXXXXXX apto XXXX During the Covid-19 crisis I was not able to continue at the place. We decided to move. I explained to the property manager that we cant no afford rent. We move out and a balance of {$2700.00} was due at the time. We tried to apply for rent assistance and at that time wasnt available. 
I cant not make this payment. I called several times to ask for amended because of the Covid-19 hardship. 
We appreciate your understanding XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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. (NJ)

Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
Consumer complaint received 2023-01-15
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. (NJ)

Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all 3 major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-12
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. (NJ)

I reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX  : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. Thank you
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AP)

XXXX I had a XXXX  credit card over 10 years ago it has recently reappear on my credit report under XXXX XXXX  This account was resolved over 10 years ago. Now this creditor is alleging that I owe them the money and put the debt on my credit report as a recent debit. I have never hear of this creditor and it has ruined my score. Experian has deemed this as accurate. The statue has long exhausted on this debt. XXXX does not even have information they can provide me on the account it is too old. This was removed off my credit report years ago.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

This has been an ongoing issue with XXXX XXXX for over a year now that is their error and has lowered my credit score over 30 points due to their negligence. 

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and XXXX XXXX was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with XXXX XXXX, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that XXXX XXXX does not care. Thank you.
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me