davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-02-01
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

while i was at work and a hacker hacked my digital card and begin to spend my money and XXXX of the charges was {$1300.00} from coach in new jersey however i stay in XXXX XXXX and WAS Not in new jersey at the time... the company has not been helpful at all... the person who hacked my account and did the data breach has also taken my information and started over XXXX subscriptions in my name. I have no idea how to get my identity back nor do i know if the company is seriously handling my dispute.
Consumer complaint received 2023-02-17
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. (MI)

I am a federally protected consumer. On XX/XX/XXXX, I sent via certified mail a letter to all three credit agencies named XXXX XXXX XXXX, Experian, and XXXX XXXX XXXX XXXX. This letter was in response to my failed and unsuccessful attempts at disputing the incorrect information on multiple occasions. The letter stated that I did not give these companies anything in writing in regards to lawfully furnishing the information addressed on my consumer report and that it is incorrect. 

The specific account referenced was named XXXX XXXX XXXX  XXXX. This account contains a total of 5 late or delinquent payments on my consumer report which is false and inaccurate information. This information was never presented with any proof that it was verified or the method in which verification of this information was obtained. When disputed, the only thing sent to me in return was a copy of my consumer report stating that it was verified. The law states that anything reporting on my consumer report must be authenticated by XXXX, the consumer to whom the account belongs to. These credit agencies do not have the right to verify and authenticate information on my behalf without my permission. 

Currently my account has late payments being reported on the following accounts : XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are all currently in a billing dispute resolution as of XX/XX/XXXX in which I have the proof to show. This means that none of these accounts are to be reporting as late or delinquent or closed for any reason until the matter is resolved. I am demanding that all late payments on my consumer report be deleted. 

This negligence on behalf of the consumer reporting companies named experian and XXXX XXXX has cause damages due to me being denied for credit because of late or delinquent accounts. It has prohibited me from being able to obtain a new vehicle in which I am in need of. It has prohibited me from being able to obtain new credit from most places that I have applied.
Consumer complaint received 2023-02-01
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2022-10-17
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

I made a hotel booking through vendor XXXX XXXX on XX/XX/2018 for booking in XXXX. This booking was fully cancelable for refund until XX/XX/2018. On or about XX/XX/XXXX I found out that XXXX was having issues with bookings - so I inquired and decided to cancel my booking. Upon canceling I was told by XXXX   that they couldn't give me a refund at this time. I notified CITIBANK on XX/XX/XXXX that I had a dispute with the vendor XXXX goods and serviced not received. They gave me a provisional chargeback and sent paperwork to be filled out. On XXXX XXXX the provisional chargeback now appeared on my account as a refund from vendor. I called the back as I had just received the paperwork and asked if the credit was a provisional credit or was it an actual refund from the vendor. I was told by a phone agent with CITIBANK that this was a refund from the vendor. I did not have to send in any paperwork. I asked 3 times - are you sure. YES. I also asked my personal banker - and they said it appears I have received a credit directly from XXXX. Early XXXX - my account goes negative and I am told that CITIBANK has denied my dispute and is taking back their provisional credit. I immediately call and explain what I was told. They said I now have to appeal their decision. I appeal and now receive a letter that i have been denied as TOO much time has passed since my XXXX XXXX purchase. If I am correct - according to chargeback rules - you have 120 days to make a claim. My original notification to the bank on XX/XX/XXXX was within the 120 days. It is the internal bank employees that have misinformed me. CITIBANK has records of my call where I was told it was a credit from the VENDOR. This is an {$790.00} charge where I was framed by the vender and then given bad information from my own bank to fight this. And somehow I have no protection? How is this even fair. They should be trying to collect the {$790.00} back from the vendor. Citibank has made thousands of dollars from me from my mortgage, personal banking account and business accounts and this is how they treat a customer.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/2020, filed a fraud claim with Synchrony/CareCredit against XXXX  XXXX doing business under the name, XXXX  XXXX XXXX XXXX ( attached ). Asked for accumulated charges, billed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, in the amount of {$960.00} be refunded due to fraudulently billing and advertising for a weight loss program that offered weight loss monitoring, supervised medical health assessments and phentermine, a powerful weight loss medication approved by FDA. In letter provided by CareCredit, sent on XX/XX/2020, outlining the conclusion of its investigation, investigators acting on behalf of Synchrony/CareCredit determined that I am responsible for fraudulent service charges ( attached ). However, I disagree with the findings and the scoop of the investigation. The Fair Credit Billing Act ( FCBA ) states it was my responsibility to dispute billing error charges within 60 days of appearing on my CareCredit charge account statement. Synchrony/CareCredit investigators concluded that a doctor providing and billing nearly {$1000.00} for incomplete/fake assessment and issuing counterfeit prescriptions as a billing errors. I disagree with the findings and the scoop of the investigation. Therefore, in addition to charges billed by XXXX  XXXX XXXX XXXX, I amend my complaint to include a formal complaint against Synchrony/CareCredit for disregarding FCBA ( attached ). I have resubmitted my complaint to Synchrony/CareCredit. As continue to dispute charges in the amount of {$960.00}, I ask that CareCredit provide proof used to reject my claim and CFPB to investigate Synchrony/validity refusal to refund all charges billed XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX/DOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX/DOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXDOE Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX  Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX 
Collection account from XXXXXXXX XXXX  with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-02-01
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. (NM)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-01
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. (IL)

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 ACCOUNT # XXXX OPENED XXXX XXXX {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX XXXX {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$710.00} XXXX XXXX ACCOUNT # XXXX OPENED XXXXXXXX XXXX {$700.00} XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX {$500.00} 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 2023-02-17
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. (PA)

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act Convergent Account # 1234, 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.
Consumer complaint received 2024-01-04
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. (NJ)

Subject : Opt-Out Notice Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Dispute Department, I am writing to address my credit information and the resolution of a dispute with Experian credit bureau , specifically concerning my account with XXXX XXXX XXXX 
Despite the resolution of the dispute, there is no exception to my opt-out request in accordance with 15 UCC 6802.

I demand, unequivocally, that you immediately opt me out of information sharing pursuant to 15 UCC 6802. This is not merely a request, but a formal demand based on my rights under the mentioned statute. 
I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Please provide written documentation confirming the fulfillment of this demand at your earliest convenience. 
Account Information : Account Holder : XXXX XXXX XXXX Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2021-01-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

No response from the phone number given for resolution. XXXX. Ext XXXX. Inappropriate ads and recordings : not a direct line to the staff. Bank of America. Promise to refund {$800.00} of PMI for payment yet to be removed.
Consumer complaint received 2023-02-01
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. (FL)

This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately.

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, XXXX XXXX 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 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.