davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I have a credit card that accidentally went late with synchrony bank I missed a payment. They then would not take the past due but wanted to collect the whole balance and then would not work with me on payments. They had a 3rd party contacting me for collections and were contacting me themselves as well. I have numerous store brand card thoigh them. Only one went past due. They have now closed all of my accounts that had no balance and lower each limit on my other accounts through them as I pay on them on a regular basis. Due to one brand going past due they are now applying that to all of my credit cards in punishment. I want them to prove to me under the fair debt act that they dont have accounts open with other at the same credit score. They have also put this against my wives credit cards open through synchrony bank as well. This is unacceptable and not allowed per regulations. I want my credit cards put back to where they were and reopened as I have never been late nor have I missed a payment with any other cards with synchrony bank.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX South XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regard to my recent credit report. After reviewing it, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I have noticed that my name has been incorrectly listed as XXXX XXXX. This is not my name, and I request that you delete this information from my report immediately. 

Secondly, I have also found an incorrect account number listed under my name as XXXX. This is not my account, and I ask that you remove it from my report as soon as possible. 

Thirdly, I noticed that an incorrect address is associated with my account. The address listed as XX/XX/XXXX is not my address, and I request that you delete it from my report. 

Furthermore, the address listed as XXXX is also incorrect and should be removed from my report. 

Lastly, the address listed as XX/XX/XXXX is also not accurate and should be deleted from my report. 

I understand the importance of maintaining accurate credit reports, and I appreciate your attention to this matter. Please let me know if you require any additional information from me to complete these changes. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-21
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. (NY)

MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX  ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank Violated the Fair Credit Reporting Act by not verifying and validating her mortgage debt as requested on XX/XX/2015. The  Defendants wrongful course of conduct is as stated to be unfair billing, not providing license to collect a debt, and not providing a validate OMB Control Number under the Paper reduction Act XXXX.
Consumer complaint received 2018-08-21
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: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU COPY : XXXX XXXX XXXX FROM : XXXX XXXX XXXX   RE : COMPLAINT AGAINST XXXX XXXX, ACCT : XXXX. 
XXXX Account Ending XXXX This is a second complaint against XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX, who CONTINUES to report the Charge Off on my credit report incorrectly. ( See Their Letter dated XX/XX/XXXX ) My credit card account with XXXX was unfortunately first reported as a charge off XX/XX/XXXX due to the death of my husband. This is correct. My final payment was made to XXXX XXXX XXXX, XX/XX/XXXX and the account was closed. However, in several letters written to XXXX XXXX XXXX, I asked if they would simply report that the account was paid in full rather than paid for less than the full balance, for I paid them {$4000.00}. in cash and they also reported the total amount to my income tax. This I thought should have resulted in the wording of Charge Off, PAID IN FULL. Instead of making this correction or explaining their rationale, XXXX XXXX responded punitively and changed the First Reporting date, the Charge Off date and the Date of Status as indicated below and in attachments : # 1 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX Date of Status XX/XX/XXXX # 2 Date of Credit Report XX/XX/XXXX Same Same Same After Letters of Dispute, the First Report Date, Charge Off/Closed Date & Date of Status were CHANGED to : # 3 Date of Credit Report XX/XX/XXXX First Report XX/XX/XXXX Charge Off XX/XX/XXXX & XX/XX/XXXX Date of Status XX/XX/XXXX # 4 Date of Credit Report XX/XX/XXXX Same Same Same # 5 Date of Credit Report XX/XX/XXXX Same Charge Off XX/XX/XXXX Same It is clear that XXXX XXXX XXXX responded punitively after my request for them to change their wording to Charge Off, Paid in Full. They changed the First Report Date from XX/XX/XXXX to XX/XX/XXXX! The First Report Date is not a variable in reporting facts. Likewise, how can one change the Charge Off Date, XX/XX/XXXX to two  different dates of XX/XX/XXXX and XX/XX/XXXX as well as the Date of Status to XX/XX/XXXX, and then after a second complaint change to one Charge Off date of XX/XX/XXXX. The Charge Off was paid in full and closed XX/XX/XXXX. This should be the charge off date forever as well as the Date of Status forever. Any other change of dates is fraudulent facts. 

There is quite obviously something fraudulent in XXXX XXXX XXXX facts and figures. I am registering this complaint for their failure to correct after three requests & disputes. See their letters XX/XX/XXXX & XX/XX/XXXX, restating their position to support their fraudulent facts. 

4 Attachments
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

For the past 4 years I have been dealing with collection accounts from XXXX in my credit report. XXXX XXXX XXXX Fail to investigate the accuracy and say there verified and continue to reinsert unverifiable data. 

Amounts are {$1500.00} {$710.00} {$1700.00} {$1100.00} {$1700.00} {$790.00} {$1400.00} {$1100.00} Disputed on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts were removed numerous times and re inserted to credit profile.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XX/XX/XXXX/XX/XX/XXXX ) it is over 3 years old.
Consumer complaint received 2022-07-08
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. (IL)

Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX amount- {$980.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NC)

My card was used at a grocery store for XXXX dollars and then I filed a dispute and was told I could have provisional money in 10 bisness days sent the email to them but the lady gave me the wrong email address since she couldn't half speak English. So now they are telling me I have to wait the full 20 business days to get the money back and I need my money now but it's ok I will be homeless before then because they will not give me my money that is owed to us.
Consumer complaint received 2020-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion intentionally reinserted a previous deleted item : XXXX XXXX  and associates back to my credit report without giving 5 days written notice as required by law. A violation of FCRA rules.
Consumer complaint received 2020-02-02
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. (NC)

I had sent in numerous documents about XXXX to XXXX   and TransUnion. XXXX  has resolved it months ago. XXXX  and TransUnion continue to report this inaccurate account on my reports.
Consumer complaint received 2020-02-02
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)

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian, XXXX  and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. Experian, XXXX and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but Experian and XXXX refuse to do so.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial without any notice of debt place 4 medical collections on my credit report. When speaking to Commonwealth Financial indicated they purchase this debt from another collection company. I have never received any type of notice of validation of debt from any collection company. This action dropped my scores over 100 points without warning. We had insurance at the time Commonwealth Financial states when the bills were created. This is a blatant violation of none notice of debt to validate. To give an opportunity to resolve this issue. The Commonwealth Financial purchase this debt from another collection company that didn't give notice of debt to validate. They are selling unverified debt and placing on credit reports. I received no 30 day validation period. They just place 4 collections on my credit report this is alarming that collection companies get away with this type of attack on or credit without any type of notice.
Consumer complaint received 2020-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (MO)

Last XXXX my daughter was taken to XXXX XXXX  XXXX. She was an out patient. At the time of Service she received XXXX XXXX XXXX  which is essentially XXXX. I received a letter through XXXX  XXXX Saying that they approved and would Cover 100 % of her treatment. Now I am receiving bills from XXXXReceivable Solutions. If a bill is owed then that means someone didn't do their job. Not that I neglected to pay. I have communicated this multiple times. Not only did she have XXXX but she also started receiving XXXX half way through her treatment there which was reported to them but according to XXXX, XXXX  never filed a claim. I am officially disputing the debt on the grounds that It is not My fault if XXXX employees didn't do their job. I do not owe this debt. If they didn't get payment they need to take it up with the insurance companies. I also have charity through other hospitals. I have provided that as well below. I would think if I qualify through one I would qualify through the others. I have attached however the copy of the XXXX insurance cards and proof that a claim was never filed by XXXX. I will once again reiterate that I gave them the information while she was still in treatment. the made copies of the card but they told me that XXXX   XXXX approved the treatment all the way through. XXXX XXXX also confirmed it.
Consumer complaint received 2020-09-13
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. (TN)

Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.
Consumer complaint received 2020-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My XXXX account was hacked. My password was exposed. My linked bank account is verified through XXXX for login. I was charged two times for atm withdrawals I did not make. Capital one 360 closed my dispute case without even waiting for my sheriff detective to investigate! Ive been defrauded and stolen from. 

Capital one does not care nor handle serious bank fraud with importance.
Consumer complaint received 2020-09-13
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: U.S. BANCORP (KY)

On XX/XX/2020 I purchased a XXXX XXXX flight ticket from XXXX. Later on XXXX claimed the flight was cancelled. Normally I should expect a refund going to my credit card. But XXXX forced me to accept as airline credits, which I had never wanted. This transaction was made through my US Bank Credit card ending XXXX. Therefore I tried many times to get my money back through the bank online dispute, but the they did not proceed to a dispute claim. To be forced to accept airline credits apparently has formed extra credit card debt to me. Therefore, I hope to get my money {$540.00} back to my card as soon as possible. I attached the credit card statement to indicate this transaction under merchant name as XXXX XXXX.
Consumer complaint received 2020-09-13
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. (TN)

Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.
Consumer complaint received 2018-08-21
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. (CA)

As of a result of a XX/XX/XXXX settlement between 31 state attorneys general and XXXX, Equifax, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XX/XX/XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both Equifax and XXXX to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it  was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both Equifax and XXXX  enforce this settlement and remove these 2 items.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

Someone transfered {$2400.00} from my chase account to XXXX XXXX account on XX/XX/2017. I filed identity theft report to XXXX and they have completed their investigation and closed the account. I never received the money back from XXXX. Chase claimed that XXXX never transfered the funds back, therefore, I am responsible for the money. Since then, it has been more than a year, I can not get the two banks to work together to resolve the issue. I still lose my money.
Consumer complaint received 2018-08-21
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. (FL)

XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on Equifax and XXXX  as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX  as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as XXXX and XXXX as well as XXXX and Equifax are violating my consumer rights.