davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

In XX/XX/2018 I reviewed my credit reports and found ( 2 ) accounts that I do not have any knowledge, that I never opened. Both accounts under the account number XXXX are being reported for ( 2 ) different balances {$34.00} and {$1200.00}. 

On XX/XX/2018 I contacted the company Phoenix Financial Service by  letter disputing the account balance of {$34.00} the {$1200.00}. I requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report held with the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that this debt that can not not be validated be removed from all reporting bureaus. 

I have yet to receive any response. I have waited for over 30 days for the company to respond in a timely manor and adhere to compliance but they have not. I refuse to wait until this company decides to respond and put this issue right so under advise, I wish to informed Phoenix Financial Service that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA or 2. the deletion of this invalidated account from my credit reports
Consumer complaint received 2018-04-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018, I notified Trans Union by Certified mail, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, Trans Union has not responded within the 30 days as required by law to validate this debt. They are in violation of the FCRA and FDCPA
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MT)

I have an amazon store card through synchrony bank and I was informed that I owed a outstanding amount plus an increased delinquent fee. Thing is, I had been informed by Synchrony bank that my balance was ok ( i got e mails ) I paid on the first, second and third of XXXX about XXXX, XXXX and XXXX something ( each date corresponds with the amount i just mentioned. I called synchrony bank ( today XX/XX/2022 ) and they said that my bank didn't pay, except I have evidence that I have paid ( in my banks financial statements ). I also have emails from synchrony bank saying my amount posted. I am writing up a complaint to fax to the company and I plan on providing more information to the CFPB.
Consumer complaint received 2021-06-25
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. (NY)

On XX/XX/XXXX, I sent Experian a followup letter regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian, XXXX nor the creditorXXXX XXXX XXXX  XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including Experian, XXXX and the creditor, XXXX XXXX XXXXXXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-05-20
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. (NC)

XXXX XXXX XXXX Auto Financing XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto DealersXXXX New XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, reported me dead, while I was traveling overseas with my wife. I had been banking with this institution for 32 years, the action prevented me for getting into my funds at the time. Did not do anything drastic, which I should of, due to the 32 years with them I let them fix the error/issue or report. Took them 3 weeks, and still not 100 % as of yet. However, when I pull my credit report with XXXX, it shows that the person using my social security number was reported dead by USAA. I proceed to follow a dispute which is allow with XXXX, same came back XXXX XXXX, stating that USAA did not change their original report, meaning I still dead according to them, maybe time and place but still same report. I do not even have a credit score anymore and I was reported by them without credit history. Please tell me what to do? my full name is XXXX XXXX XXXX, XXXX. 

Please advise XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Dear Sir, On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. Experian responded to CFPB that Experian received the fraud alert dated XX/XX/2018 from one of the credit bureaus. I have membership in all three credit bureaus and verified the details of XX/XX/2018 Fraud Alert. XXXX XXXX received the fraud alert from Experian and there is no other credit burerao initiated the fraud alert. I have all three credit bureaus reports for last three weeks, only Experian initiated the fraud alert dated XX/XX/2018. Also, I have only one credit card open with minimal balance and there are no Auto/Home loans. Experian must provide the details of this fraud alert datedXX/XX/2018 and also any fraudulent company placed this fraud alert or anyone stolen my identify and placed this identity. I have also uploaded my identification details, SSN and various details to Experian multiple times through CFPB.I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Could CFPB kindly direct Experian to remove this fraud alert immediately from credit report without further delays. Could CFPB to direct Experian to provide the complete details of this fraud alert dated XX/XX/2018 and source of this fraud alert, any fraudulent creditor or bank used or any unauthorized company used my identify and placed this alert. I have also observed in Experian credit report, company called " TRUE LINK '' did soft inquiry onXX/XX/2018. I do not have any business with " TRUE LINK '' and why did they do any inquiry using my identification and social. " TRUE LINK '' inquiry is fraudulent inquiry on my credit file and I do not have any business and its completely false inquiry and how did Experian allow fraudulent companies to use my identity.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX-XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely
Consumer complaint received 2022-12-27
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. (NY)

I made a complaint against Experian because they failed to take out incorrect information on my credit report. You told them to to investigate. They said they did and found the information provided by collection agency is correct. However the information I received from collection agency is of different person. I contacted Experian to send me a copy of the information they got they refused. Now I am requesting that you review the information yourself and make a decision.
Consumer complaint received 2021-06-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (CA)

Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. This account has already been removed from my XXXX report and needs to be completely removed from my XXXX and XXXX within 10 days or less. I have uploaded all the necessary documents.
Consumer complaint received 2022-06-09
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX FS # XXXX & XXXX 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 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

XXXXVisa XXXX Was suppose to be paid {$330.00} on XX/XX/XXXX. They are denying that a payment was ever receved by XXXX XXXX Visa Credit Card. They have stated that they never received payment documented with online banking as XXXX  # XXXX. They are also claiming that they only ever received payments of {$45.00} or less being the minimum account which only brought the account balance down by {$1.00}. XXXX XXXX Visa is claiming non-payment for the duration of the entire account begining XXXX of XXXX. Please send copies of all payments made by me and received or cashed and applied to account XXXX to me and to this creditor. Which is a service that online banking provides when a biller denies having received payment. 
Again my account has been taken over by hackers. Most of my emails were deleted and I have been receiving false emails of the same name with emoticons that are not flagged as spam because they cloned and replaced the mail address of the company. Email is disabled and no longer working for me. Please do not send email to me. Only contact me via United States Postal Mail. Since XXXX my outgoing phone calls have been intercepted by a call center of hackers who represented them as businesses that I receive services from. XXXX XXXX   /XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-06-03
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. (GA)

I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.
Consumer complaint received 2023-03-22
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: CREDIT ACCEPTANCE CORPORATION (NY)

In accordance with fair credit reporting act XXXX  act # XXXX, has violated my rights 15 USC 1681 section 602 : states I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor my not threat a payment on a credit card account under an open end consumer credit plan as late for a purpose
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2021,XX/XX/2021,XX/XX/2021 sent numerous of factual disputes on Santander consumer USA including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and XXXX  keep reporting my information as updated with the same errors.Santander also updated my account saying I paid {$2.00} which was not true.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My balance with capital one was XXXX dollars in delinquent fees. I paid off the balance and it was updated to XXXX dollars. I am up this morning and my balance is now back to XXXX dollars. They are not paying attention in regards to their credit reporting and I demand it be taken off now. I have bank receipts and email receipts from capital one for XX/XX/2021.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have a few XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2018 at XXXX I was paying for a purchase at Kohl 's department store in XXXX  , AZ . I handed the cashier a Friends & Family coupon for 20 % off and she immediately began asking me for personal information ( address, DOB, SSN ). I asked her if all of that information was really necessary for the coupon and she said " Yes ''.

Then she told me that I was denied. I asked her if that meant I couldn't use the coupon, and she said that I was denied for a charge card, but could still use my coupon. When I told her I didn't want a charge card and did not give her permission to pull my credit, she just handed me my receipt and went on to the next person. 
When I got home, I called the store and spoke to a manager who apologized and gave me the phone number to the credit department to have the inquiry removed from my credit report. I called the number XXXX and they were unable to help me since an account was not established. They referred me back to the store to dispute the credit inquiry - the store referred me back to the credit department. This is a violation of both UDAAP and FCRA.