davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The address XXXXXXXX XXXX  is inaccurately reporting on my credit profile which is a violation of my consumer rights. The correct address, attached, is not on my profile. This needs to be removed as soon as possible.
Consumer complaint received 2022-07-10
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. ()

In accordance with the Fair Credit Reporting act XXXX Account 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 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

when checking my credit score XX/XX/XXXX. I noticed my credit score with XXXX had dropped 22 points. After careful review of my credit file. I saw that XXXX  and XXXX  were both reporting a decrease in my credit limit for my Synchrony XXXX XXXX  account. I also noticed that only the XXXX   score changed. I reached out to Synchrony and was told a letter was sent to me XX/XX/XXXX explaining why my credit limit was reduced. A manager for Synchrony accessed a digital copy of the letter and explained the decision was made based on derogatory information submitted by XXXX in XX/XX/XXXX of  this year.

When I made my purchase in XX/XX/XXXX, Synchrony ran my report and made me an offer of credit based on my current credit status. I accepted the {$2500.00} limit in good faith. I made all payments with the exception of one on time. When I look at my credit score trajectory since XX/XX/XXXX, it shows an upward trajectory with the only dip coming this month when Synchrony lowered my limit. I speaking to one of the agents this decision is based on an automated computer program that could possibly have flaws. Based on this information and the positive trajectory of my credit score, I am disagreeing with Synchrony 's decision to lower my limit as it has had a negative affect on my credit score.
Consumer complaint received 2022-07-25
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. (CA)

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX BV XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My wallet and debit card was stolen a couple weeks ago. I just got a letter in the mail from chase from XX/XX/18 stating they are closing both my checking and savings accounts. 

It says there was a fraudulent check deposited on my account. But i never deposited anything onto my account. Also all my money is missing from my account. 

As if sleeping in my car wasn't hard enough already.
Consumer complaint received 2021-09-08
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NV)

I submitted a report and explained it report Number XXXX, There is a Debt with XXXX XXXX XXXX  for {$560.00} I never had a contract with this company also Diversified Consultant for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

Dear Sir/Madam, on XX/XX/2018 I paid to GM Financial in full the lease end fees. Since then they have been trying to collect the fees again even after I sent them the copy of the cashed check to them. It has been five months since I paid the fees. Every month they are sending me billing invoice and every month I have been sending them the copy of the cashed check and an explanation letter. I don't see an end to this constant harassment so I am hoping you can help me with this matter.

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-06
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. (ND)

Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2018-09-06
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)

I wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and credit report.
Consumer complaint received 2018-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I graduated from XXXX  XXXX University in XXXX. Upon graduation my parents XXXX XXXX XXXX filed for chapter XXXX bankruptcy. During the XXXX years they were going through this process my loans were in forbearance and accumulating interest. I did not know this at the time until I was in the process of purchasing a home. Numerous loan companies would not work with me until I gave them information about my private student loans. I would try to call Navient and they would tell me that they can not speak with me about the loan that is included in the bankruptcy until it is complete. I have found out that during this time my loans accumulated over {$30000.00} of interest. The companies involved were the following : Navient and XXXX XXXX State Authority. When I would log on to XXXX the website would not show any balance at all. At the time I assumed the loans were sold off and I would begin paying to a different company. 

During this process I continued paying on my federal loans and I would have done the same with my private loans if I was able to. I am not sure what to do but now I have over {$120000.00} in student loan debt and I am struggling to make the minimum payments. Can something be done?
Consumer complaint received 2023-03-18
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. (TN)

According to the law 15 u.s. code 1681i- procedure in case of disputed accuracy.

If the completeness or accuracy of any of information contained in a consumers File at a consumer reporting agency is disputed by the consumer and the con notices the agency directly, or indirectly through a reseller, of such dispute, the Agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller Account # XXXX XXXX, Trans Union, XXXX
Consumer complaint received 2022-07-10
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. (TX)

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.Below you will find a screenshot of the account. 
XXXX  XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-09-06
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)

I wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and credit report.
Consumer complaint received 2018-09-06
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)

AFTER REVIEWING MY CREDIT FILE I HAVE NOTICE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME AND NEEDS TO BE REMOVED IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH THESE COMPANY NOR HAVE I EVER HEARD FROM THEM TO EVEN DISPUTE THE VALIDITY OF THESE ACCOUNTS TO INFORM THEM THAT THEY ARE INDEED A RESULT OF IDENTITY THEFT. 
Please remove this information from my credit file as these are a result of identity theft. 
XXXX XXXX XXXX XXXX {$20000.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX. {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX {$1300.00}. XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX. {$1600.00} XX/XX/XXXX
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC. (AZ)

I received a telephone call on a company phone number from a XXXX XXXX @ RAB  http : //rabtx.com/XXXX XXXX. XXXX called stating that an account was placed with his firm for collection. I informed XXXX that the number he was calling was not associated with this debt and asked him to not call again. XXXX then began to tell me that my name was the individual that had ordered the service that was in collection. I was an employee of that company at that time - not an XXXX  - not a financially responsible individual. XXXX then began to repeatedly call three different phone lines that I personally have. One call I answered he shouted that he would contact my husband ( and told me his name ), my son ( told me his name ) and daugther in law ( told me her name ). He then began to scream at me over the phone ~ loud enough that other employees could hear him and are willing testify to the emotional turmoil it caused me. I hung up and he called back and spouted off my SSN, & home address and proceeded to tell me that he would show up at my home to collect the money. This individual is now spoofing numbers and calling my number showing up like my boss and calls from them showing up on his phone as me. This has been harassment like I have never experienced before. 

PLEASE KNOW THAT I AM NOT THE RESPONSIBLE FOR THIS DEBT, HOWEVER, I DID FILL OUT THE INFO ON THE LAST PAGE AND CHECKED " JUST ME ''
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

This morning XX/XX/2018 as i checked my XXXX  credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report  pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when reviewing my credit report and found a late payment on the date below : 30  days late as of XX/XX/2017 I am not sure how this occurred. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Inc. is attempting to collect a Credit Card Debt from XXXX XXXX XXXX XXXX. I asked for verification and they sent me a copy of a letter from XXXX  XXXX stating that Portfolio Recovery Inc. has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX so this debt does not exist. It was dismissed.
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

I filed a complaint # XXXX previously and the complaint was closed because Continental Collection Agency lied and said my insurance company was billed and they denied the service stating I was responsible for the amount owed, and the complaint was a dispute of debt and not appropriate for CFPB. I maintained from the start I did not owe the debt, my insurance was never billed, and this was a mistake on someone's part. I received a copy of the denial from the insurance company and plain as day it states Claim not covered by this payer. The wrong insurance company was billed by XXXX XXXX back in XX/XX/2015. I was finally after many attempts and several notices later from Continental Credit Control able to reach someone at XXXX XXXX to explain they billed the wrong insurance. Continental Credit Control refused to talk to XXXX XXXX about this to verify the debt. Once I was able to get XXXX XXXX  to respond I was pulled out of collections, my insurance was billed, and today I received a check from XXXX XXXX for {$24.00} because I was over charged for my co payment for this date of service. As I explained in one of my complaints to CFPB, I have industry experience and had been in contact with my insurance and was clear I knew what I was talking about. I was getting no cooperation or willingness to try and understand from Continental Credit Control. XXXX XXXX would not return my call. I know Continental Credit Control probably paid a flat fee for a bucket of uncollected claims from XXXX XXXX. Some valid collection cases and some not. It doesn't give them the right to lie when you ( CFPB ) send a complaint to them, or to categorize complaints incorrectly to justify them, or to try and bully people into paying money they might not owe so they can recover their investment for the debt they bought. Attached is a copy of my correct insurance card that XXXX XXXX had from the start, along with copies of all the statements I continued to receive from Continental Credit Control, the insurance denial showing the claim was denied as not covered by this payer so you can see the Continental Credit Control Rep lied in a previous complaint response stating the insurance denied the service as the patients responsibility, and a copy of my refund check once by insurance was billed correctly by XXXX XXXX. Maybe in the future complaints CFPB can require credit agencies to show proof of what they're stating in their response.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had contacted CapitalOne in regards to my credit card being closed without my knowledge, i have a credit limit of {$900.00} {$500.00} of which was used as security. 
I have called numerous times and they say only we will investigate, as of now my credit report shows they closed the account and my credit score has been affected. I do have another credit card that doesn't have a security deposit that has not been closed. 
They know this is some kind of glitch in there system but they have not reported on my credit report.