davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 U.S.C 1681. 

XXXX  XXXX Has violated my rights. 
XXXX XXXX XXXXXXXX Has violated my rights. 
XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-23
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. (CA)

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, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Delete. 
XXXX XXXX # XXXX, has violated my rights. Never late. Paid satisfactory.

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 2016-02-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

Beginning of XXXX 2016 I received a statement from my Synchrony bank direct tire consumer credit card. I noticed that there were roughly {$800.00} of random charges in XXXX florida. I initiated a dispute in the beginning of XXXX and was advised that it could take up to 60 days to complete a fraud investigation. I reached out on XXXX and through their XXXX number and was told this could not be expedited. I spoke with XXXX @ XXXX and also their XXXX # XXXX. Today XXXX, i called to check on the status and was advised the fraud amounts were cleared -- - no specifics on what transactions were removed. I advised that my minimum balance payment and had been inflated due to these fraudulent charges and should not have been as high as the {$96.00} on a {$1000.00} balance. The fraud rep advise it was nothing she could handle and directed me to collections, with whom i was not able to reach. I located my most recent statement today XXXX and noticed charge on XXXX and XXXX that were also not mine. I called the fraud department and was told that a new investigation would have to be opened and take another 60 days. I was treated like this was my fault that i didnt recognize these charges and fraud rep at synchrony was very rude. He said he spoke to an investigator familiar with my case and said she was aware of the fraud charges and noted my account -- - i asked why an investigation or amended investigation did not take place for which the rep has no answer. I believe synchrony bank fraud controls missed out on these additional fraud charges and they attempted to conceal them from me as they were missed from their prior investigation. I believe Synchrony Bank has very poor fraud investigation continuity and most definitely lack sympathy for victims of fraud.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX  complaint.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im File a complaint against Transunion, XXXX, and XXXX are not complying with their own policies in a timely manner. I sent it a letters on XX/XX/2022 stating theres some items on my credit report that were incorrect about a missed payment. I have not received any information back from them. It been 33 days and no respond
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (KS)

Enhanced Recovery Co L Listed on my credit for a collections account. They have reported it 3 times. XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
Al

l 3 are for the same $ amount. Same bill. I have tried on numerous occasions to get this settled. It is showing 3 separate times as 3 collection accounts/amounts. They can't even find my information from XX/XX/XXXX to resolve.
Consumer complaint received 2022-04-23
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  ( Original creditor : XXXX  XXXX XXXX  ) XXXX Balance {$100.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX CARD XXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$2800.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$2800.00}
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

I paid for a year-long service of mentorship specified for the real estate industry from the company " XXXX XXXXXXXX XXXX XXXX  '' on XX/XX/2021. I asked XXXX XXXX XXXX XXXX for a refund as the service was misleading, but received no response regarding a resolution. I tried to dispute this with Wells Fargo on XX/XX/2021, and submitted documentation stating that payment was for a year-long service and that I canceled before receiving any service as I felt misled by the company. Wells Fargo responded on XX/XX/2021, stating that the company sent them a document stating that it was a one-time fee, despite me sending documentation showing otherwise. Wells Fargo said that it would take them a month to send me the other side 's documents, as I requested to see the false documentation, but I never received anything. Wells Fargo said that it was XXXX who did the investigation, but XXXX never communicated with me. I am still out of the money, nobody has sent me anything to prove their false claim, and nobody has rectified this matter.
Consumer complaint received 2022-11-07
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. (ID)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-23
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. (CA)

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. 

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 ) ( 1 ) 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 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX also XXXX XXXX XXXX has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Michael Harrison, Attorney at Law (NJ)

After viewing a copy of my credit report, I noticed a collection account placed on my credit reporting from XXXX in XX/XX/2014 Account # XXXX XXXX and Account XXXX XXXX. I am requesting that they allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (ID)

On XX/XX/XXXX I was contacted by XXXX XXXX of The Counsel Firm in XXXX Ca. He informed me that I had an outstanding balance of XXXX with XXXX XXXX XXXX threw GE Capital and they now own the claim and account. He verified my XXXX and SS #. I was convinced I had paid it, but he was so convincing that we negotiated a settlement of XXXX and he sent me paperwork to make payments. I have not signed the paperwork, because I was still trying to figure out if this was a legitimate debt. No one can tell me if this is legitimate and now they have taken XXXX out of my checking account. He said he did n't have to send me any additional paperwork except for the XXXX pages confirming my payment arrangement. If I owe it I 'll pay however the account is over XXXX years old and I would have sworn I paid it off in XX/XX/XXXX. Is this a legitimate Debt Collection company?!
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (PA)

On ( XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX BANK ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 ( Account # not provided on report ), 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 a 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 ) ( 1 ) 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 2024-02-20
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. (MI)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-07
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. (ID)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-23
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. (NY)

I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.