davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I sent a certified mail with copies of my identification asking Synchrony Bank to rectify an inaccuracy showing on my consumer report. When I was reviewing my consumer file, I noticed account number ending in XXXX is showing a balance on a charged off account. According to the IRS, any cancelled debt or charged off debt is income. I requested Synchrony Bank provide me with XXXX as this account is showing up with a balance on my consumer report. 

I received a letter dated XX/XX/XXXX from Synchrony, stating I am a credit repair organization and they are not going to investigate into the matter. All of this are stall tactics and it is hurting my livelihood as I am trying to resolve negative items that is showing up on my consumer file. 

I've been doing intense research, and learned on consumer rights. According to 15 USC 1681s-2 ( a ) ( 1 ) A ) - a person shall not furnish any information relating to the consumer that believe to be incorrect. 

Attached, you will find the original letter I sent along with the certified postage and the stall tactic letter sent as a response. In addition, the incorrect item reporting on my consumer file. I've also included my forms of identification.
Consumer complaint received 2022-12-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  : # XXXX, XXXXDept Of Ed : # XXXX, XXXX/Dept Of Ed : # XXXX, XXXX/Dept Of Ed : XXXX XXXX, XXXX/Dept Of Ed : # XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX 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 consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-13
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. (CA)

I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.
Consumer complaint received 2024-02-24
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. (GA)

Experian is reporting these XXXX addresses. It was a rented aircraft hangar where I kept my airplane. They removed XXXX of the XXXX, but continue to report these XXXX. 


XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want them to remove these XXXX.
Consumer complaint received 2021-03-18
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. (MD)

My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove
Consumer complaint received 2021-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upgrade, Inc. (UT)

a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.
Consumer complaint received 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, Equifax has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) ftc report number XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

DEPT OF ED/XXXX
Consumer complaint received 2022-12-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I sent a letter well over XXXX ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion 2 ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Transunion 3 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Transunion 4 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Transunion 5 ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Transunion 6 ) XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed accounts via certified mail. My letter was delivered on XX/XX/2021. As of XX/XX/2021 nothing has been done. I was also a victim of identify theft and have filed a police report which is being mailed to my current address and I have registered with identify theft.gov.
Consumer complaint received 2020-03-13
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-13
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. (MS)

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX   TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX   TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-13
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. (CA)

I tried to refinance my car today XX/XX/20 and I was denied because of accounts/inquiries reflecting badly on my credit report. I did not open an account with any of the companies I listed on this report nor did I allow anyone to open an account with those companies using my personal information. I do not have any type of relationship with these companies nor did I ever allow them to run or access my credit information. I did not benefit anything from these accounts being open in my name and I have already filed a police report. I have filed this report to the best of my knowledge regarding these unauthorized items on my my report and I am willing to work with law enforcement to get this issue cleared up.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

The town of XXXX MA has sent {$760.00} to XXXX XXXX XXXX   on XX/XX/13. The money has not been put back into my escrow account. I have contacted the Bank a number of times and no one seems to know where it is.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

It is essential that CFPB XXXX XXXX. : XXXX be reopened and finally disposed of as requested in this Complaint. 
On or about XX/XX/2022 in compliance with the applicable provisions of the FDCPA, a conference call was convened by XXXX XXXX, PoA for the alleged debtor, XXXX XXXX XXXX, XXXX XXXX and Credit Control Corp ( CCC ), represented by Collection Agent identified as XXXX. 
That telephone conference call was documented by letter dated XX/XX/2022 that was delivered to CCC via facsimile provided by XXXX as well as USPS Certified and Regular Mail. 
The XX/XX/2022 communication was one of several attempts by us to obtain adequate validation from CCC all efforts were non-responsive. 
During the XX/XX/2022 verbal and written communications, CCC was only able to verify that they had a record of the alleged claims ; however, were unable to provide any of the information required to validate the debts claimed to be due. In fact, several of the debts were identified as owned or claimed to be due CCC directly as creditor. This has never been contested by CCC. 
Finally, following numerous attempts to obtain the FDPCA described validation, CCC responded that they have finally imposed a cease and desist contact and also admitted their inability to locate accounts. 
It is noteworthy that considering the exposed recordkeeping flaws with CCCs operations, there could be other to date unreported debts. XXXX alluded to that possibility during the XX/XX/2022 conference call and as documented in the latter of that date. 
As of this writing, CCC has failed to provide the requested information, not even that expected to be included in a bare account and has far exceeded the statute of limitations of collectability as provided in the FDCPA.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We sold our home. Escrow refund was due to us. We never received it so we called Wells Fargo Home Mortgage. Multiple times requesting the refund and also our 2020 tax documents so we can file our taxes. Finally received our check. ( Still no tax documents. ) A few days later, we get a letter saying they stopped payment on the check and reissued it. We had received the reissue only. The reissue check does not include interest. In the stop payment letter, Wells Fargo stated they did not include interest as the issue was " not a Wells Fargo error ''. We feel it is. We were due our monies. I do not know if it was ever sent in the first place, but we had to call multiple times to get it and also our 2020 tax documents. IF they had sent it out when the mortgage was paid off and IF it was returned to them, WHY did they not reach out to us? They have an address. They have a phone number. They have an email address. THEY HAVE THE NEW ADDRESS ON THE CLOSING PAPERWORK!! Did they reach out? NO ... they just put OUR monies back in THEIR pocket. The mortgage had been paid late a few times due to XXXX XXXX and loss of job. We caught it up and months later we find someone wandering in the front yard and trying to look in windows. When asked who he was, young man in an unmarked car, he said he was with Wells Fargo and wanted to know if we were even interested in keeping our home. So, when a mortgage is not even late anymore, they scan send a XXXX XXXX out, but when they get mail returned, they don't do anything. We should get our interest monies! They had also put forced place insurance on the home years ago when we HAD insurance. No refund received for this either. The local XXXX, FL branch is closed - for days or weeks at a time. No note on the door, no message on the webside - nothing ... .just closed. And, if someone went to the bank for me to pay the mortgage, the tellers would give them such a hard time it was embarassing. They acted like they didn't want to take the payments!!! This is a horrible bank to deal with.
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC (GA)

TitleMax is calling me about someone elses dept. Someone used my name and number as a refference without my promission. I've asked them several time to do not call me because I didn't give that person promission to us me as a refference, but they still keep calling me almost everyday asking me to contact the person that owes them money and have them call.
Consumer complaint received 2020-03-13
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I am not liable for this debt with XXXX XXXX XXXX XXXX I don't have a contract with them. They did not provide me with the original contract, bearing my signature as requested. 

The other two bureaus have removed this account from my credit report. 

( See attachments ) XXXX XXXX XXXX XXXX is not compliant, and this account is also past the California 4 year statue of limitations, and they are inviolation of the Fair Credit Reporting Act. 

I want this account deleted immediately from my credit report.
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.