davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2024-02-10
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. (IA)

The 50 states wide and International listed fraud as identification scam 's imposters and business identification population imposters Frauding my dead great grandmother documents of XXXX XXXX XXXX who full identity was XXXX XXXX XXXX XXXX, her husband of XXXX XXXX also had a Sir name before immigration to the XXXX of Sir name XXXX. 

She was born on XXXX, died on XXXX The 50 states wide/and international/listed my grandmother and grandfather information as business permits frauding a property property grave and serial numbered corners record of my great grandmother. 

My great grandmother only had XXXX daughter of my grandmother of XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX There fraud isn't authorized
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX  THIS SITUATION HAS BEEN DAMAGING TO MY XXXX HEALTH CAUSING ME TO XXXX XXXX XXXX XXXX  ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX AND THEY NEED TO REMOVE THE XXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!
Consumer complaint received 2019-03-12
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. (GA)

I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " zero '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-10-11
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. (CA)

I have sent Experian multiple letters expressing my concerns about inaccurate accounts on my credit report. I have asked them to verify 5 accounts on my credit report. I received a letter from them saying the accounts were verified, but did not provide me with any information or documentation showing how they verified the information or how it was my accounts. I then sent them another letter asking them to provide documentation showing they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted the accounts from my credit report. I have also sent Experian a copy of the XXXX letter and they still refused to delete the accounts. I have also contacted one of the collection agencies ( XXXX XXXX ) to make sure everything was correct that Experian was reporting but they said the account that Experian was reporting with my name on it was a different amount than what they reported. Showing how Experian did not conduct their individual investigation. I will provide all documentation that I have to show Experians inability to follow the laws.
Consumer complaint received 2021-02-17
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

To Whom it May Concern : I am putting in a complaint because Sychrony Bank ( Care Credit ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to Sychrony and the credit bureau to get this matter resolved because its highly effecting my credit score.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I was denied a discover card for rebuilding credit. Not sure why? My friend has worst off credit and they were approved for XXXX the it card i believe or whatever card is for rebuilding. I try and to get my hockey team on it. I talk to associate and said i should be ok and then wasn't. No really response and not helpful. i think they judgmental and should approved all rebuilding and poor credit people so we can rebuild our credit score. I was approved before and now deny.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX/19 - I went to annualcreditreport.com to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not XXXX or TransUnion
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

My credit report shows a 90 day late with a with a credit card company that I set up a payment plan with. The report is false incorrect. I was scheduled to pay installment amounts for 3-4 months of {$35.00}, {$60.00}, and {$120.00} to avoid late fees and penalties in XXXX of XXXX as well as XXXX   of XXXX.
Consumer complaint received 2021-02-17
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (CA)

In response to my last dispute about dinging my credit when refinancing. Yes XXXX did email me XX/XX/XXXX, but lets start from the beginning. I was told XX/XX/XXXX over the phone by XXXX XXXX not to make my next mortgage payment. I then also reached out to him XX/XX/XXXX via email if I need to pay or not with no response. After all of this then all a sudden XXXX came into the picture and never heard from XXXX again. I have sent emails and called XXXX and XXXX multiple times after the fact and once again no response. I will now attach emails I've sent and if needed more then happy to show you my call log next. When XXXX said to make the payment XX/XX/XXXX I reached out to her to clarify XX/XX/XXXX via email on what I was told initially. Like I said before I was more than happy to make that payment. Problem is why I couldn't get answers from whom I was working with and trusted at the time. Yes you may have been busy but like I said before as a customer not in your line of work I looked for help. The fact that I just emailed and called multiple times questioning if I should pay XXXX and no response and clarity is sad that you dinged my credit. Freedom Mortgage also did an escrow refund, and waived all late fees. Please sell attached in attachments. Thank you
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

The account is closed. It shows " charged off '' on my credit report. 
It keeps showing as a late payment on my credit report, EVERY MONTH. 

If it's closed and charged off, it should not keep appearing every month.
Consumer complaint received 2021-06-15
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: TRUIST FINANCIAL CORPORATION (TX)

There was a debt in my name that wasnt from me. I disputed the debt through XXXX  letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

I am being charged {$300.00} for a medical bill. I have been to the same facility plenty of times with my DUAL same health insurance for almost 10 yrs and that can be proven. I have 2 different insurance I have and have been used at this health facility plenty of times
Consumer complaint received 2021-02-17
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 — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth has reported an account on my credit as being from XXXX. I have been disputing this account multiple times. This needs to be deleted off of my credit report. This is an old medical bill from XXXX, not XXXX as they have it listed. When this first reported, I had no idea what this was for. I never received any bills for this claim. It just showed up on my credit. Since learning of this I have investigated and disputed this matter multiple times. This was my son 's medical bill which he was covered with Georgia state Medicaid insurance during this time. I provided this proof to this collection agency. I also spoke to a Medicaid  claims representative and they stated they never even received anything for a bill. The representative also stated I wouldve never been billed for this or been left responsible since he was covered by Medicaid. After one of the many times I disputed this with the credit bureaus XXXX, XXXX  and XXXX  and made a complaint with the CFPB, the Commonwealth rep said they needed me to verify he had the medical coverage. I have since provided this documentation to commonwealth and all 3 credit bureaus. I requested a confirmation of receipt of this email yet never received anything. They have not followed up and given me any information. I have called multiple times. Commonwealth has fraudulently reported this and not even following up with be trying to take care of this matter. Please remove this off my credit!
Consumer complaint received 2023-03-22
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2021-12-01
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: EQUIFAX, INC. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I found an seller selling items on XXXX who refuse to use the platform 's shipping and payment solution and insisted to ship himself. I refused to pay for the item but paid the shipping fee for a shipping receipt where the tracking information is partially covered through Zelle. After investigation with XXXX ( The XXXX XXXX # XXXX XXXX ) it turns out the shipping receipt is fake.
Consumer complaint received 2022-12-15
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Consumer complaint received 2022-12-15
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Consumer complaint received 2023-03-22
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. (CA)

My personal information has been exposed in various data breaches and someone was able to successfully open accounts for goods, services, or money that were unauthorized. None of the information is accurate and should be removed immediately because my reputation with the banking system is being ruined.This is ruining my chances of being approved for a mortgage.
Consumer complaint received 2019-10-10
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. (TX)

Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019
Consumer complaint received 2023-03-22
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. (MO)

This complaint is here to follow up on these accounts to be removed or blocked as soon as feasible : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} You must remove/block any accounts that were 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.
Consumer complaint received 2019-10-10
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: Experian Information Solutions Inc. (OH)

This is my third and final complaint to resolve the credit reporting errors that EXPERIAN has said twice thst they fixed, but didnt! Im seeking monetary damages for the issues having this not fixed! Two loans were denied because Experian listed my sisters credit on my credit and it is still there! I