davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (PA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THEY ARE REPORTING INACCURATELY ON MY CREDIT FILE AND I HAD NO KNOWLEDGE OF THOSE DEROGATORY ITEMS ON MY REPORT. PLEASE RE-INVESTIGATE THOSE NEGATIVE ACCOUNTS AND HAVE THEM PURGED OFF MY CREDIT REPORT.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I XX/XX/2018 I purchased furniture from XXXX XXXX. The furniture was put on my XXXX synchrony bank credit card and the rest of the amount which was the delivery and the tax was put on my XXXXl XXXX card my XXXX XXXX XXXX. I started thinking about it and called the merchant and called the credit card companies to find out that I am being charged right now for those items Im being charged for the delivery and the tax charged for the items when I do not have the items in my possession because they are on back order and I will probably not get them for two months. I would like to know how this is a legal procedure for a company to do and for credit card companies to approve this type of transaction when a consumer is charge for an item that they do not even have in their possession it has not been delivered to me yet and therefore I am not only paying for the item by am paying the tax and the delivery charge on an item that has not even been delivered to me and will not be delivered for two months I want to report this ass consumer fraud because I dont know what else to call it and I dont know what else to do about it.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2022-02-09
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: Synovus Bank (SC)

My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/ attached documents and id as it contains my full complaint and request.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (FL)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX {$500.00} / XX/XX/2022 XXXX  / {$2000.00} / XX/XX/2022
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

went to use my Chase/XXXX credit card and found out the limit was cut without any prior notice. I have two credit cards with Chase and have never missed a payment in over 7 years since the inception and on one of the cards I pay the balance monthly and do not carry a balance. On the other card - I carry a balance that is about 60 % of the limit and always on time as I mentioned and now they cut the credit limit to the balance I owe, which will now hurt my credit score as it appears I am using 100 % of my limit and jeopardizing my whole credit situation/profile as I can not pay that debt in full or down to an acceptable limit and the 'lending department ' had no clear answer and I have to call back repeatedly. Very frustrating.
Consumer complaint received 2018-12-06
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. (CA)

XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA By my request XXXX XXXX is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I have sent letters and have not received any responses with what I have requested.
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (TX)

This credit reporting agency is reporting inaccuracies information on my credit file. The credit reporting agency is reporting the collection account XXXX XXXX XXXX as being my account which is inaccurate
Consumer complaint received 2017-09-17
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: AMERICAN EXPRESS COMPANY (TX)

Issue started after a purchase made on XXXX/XXXX/XXXX was returned on XXXX/XXXX/XXXX and the refund of {$750.00} was not applied. I have called American Express several times & spent many hours explaining to supervisors and was assured that it was corrected only to find out that the next statement did not resolve the issue. I have requested in writing since XXXX XXXX for an explanation. I have found out that funds were being transferred from one account to another to resolve the issue. I was not given any disclosures regarding these accounts. More recently, on theirXX/XX/XXXX letter to me they provided for the first time a better explanation of how payments were applied. However, the amount due was incorrect. On XXXX XXXX & then again on XXXX XXXX, XXXX, I sent them another letter disputing the amount due and to correct the amount due. Due to my dissatisfaction of how my account has been treated I also requested for information regarding terms and conditions if I decide to cancel my American Express card. I have not utilized this card for over a year due to the issues. Not only has American Express initiated cancellation as stated on their letter to me on XXXX XXXX, XXXX but they also did not correct the amount due and as a result my account is past due. I have never been late with this card. As stated in previous communications by American Express to me, while the matter is under investigation, I am not responsible for the amount due. However, at this time, they are disregarding this and my account is considered past due. This is not right.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-12-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (VA)

XX/XX/XXXX i received an email stating that I was late on my payment. THe email stated " This reminder is to let you know your payment in the amount of {$330.00} was due on XX/XX/2018. '' So i called on XX/XX/XXXX to figure out why I was behind. I knew i made a payment on XX/XX/XXXX for {$160.00} and a 2nd payment on XX/XX/XXXX for {$160.00} to make my full payment by the due date. But when i checked online it said that i owed {$150.00} plus my XXXX payment of {$330.00}. I explained the above about how i paid and the rep said that because i alloted my second payment to certain loans that interest accrued and I owed it. I told him that i made the monthly payment amount though. He said he create a re-allocation request that would take 7 days. I then thinking about realized how could i owe {$150.00} extra when i made a payment to each loan and targeted {$150.00} to the loan with the highest interest rate. So I called back on XX/XX/XXXX and spoke with a different rep. She stated she didnt know why it showed I still owed money when i clearly made the full payemnt with my two payments and i allocated a dollar to each loan. She said that she would request that my account be adjusted as she sees the payment. she stated that would take 3 business days. So i waited until XX/XX/XXXX evening to check on the account. Neither of the requests occurred but I made my payment of {$160.00} again on XX/XX/XXXX. Yet on XX/XX/XXXX it showed i still owed {$320.00} rather than only owin {$160.00}. So i called again to follow up. The new rep stated that when i allocated i didnt satisfy what i owed for each loan. By alloting a {$1.00} on each loan except for 1 with {$150.00} that the others still had to be paid their stated payment amount for each one. I asked her then why is there an option to allocate funds to certain loans within my payment amount. she said that only if you paid more than you agreed payment amount could you allot more funds to go to a certain loan. This is a deceptive practice which essentially forces payers to not allot funds and payoff loans with higher interest rates without paying an amount much higher than their agreed payment. Essentially, I'm on an income based payment plan that they decide the payment but a student can't allocate funds even though on the payment screen has a section to do so. This gives student repayers no options except to pay more than they can afford and not target loans with high interest rates based upon the payment the income based rate or repaye rate assigns to them. XXXX tried to make me pay {$150.00} extra dollars than the agreed {$330.00} amount that they set as my affordability range for XXXX.
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (PA)

I saw my credit reports on XX/XX/ for just regular follow up. i saw one account that i never open myself. and it's open in XXXXXXXX XXXX by someone. i suspect fraud by using my personal information. I contact Experian and filed dispute. THE Account Name is XXXX XXXX
Consumer complaint received 2018-04-10
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. (CA)

I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Upon reviewing my credit reports, I noticed an entry from AFNI collection agency, stating it was for the original creditor XXXX XXXX XXXX, in the amount of {$150.00}. I never received any correspondence from this company, and I do not owe any money to them, or the stated original creditor, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they did not see any information on this matter. I then sent several letters to this company, AFNI, to the address listed on my credit reports, but have not received any reply from them at all. They have not even sent me any information about this alleged debt, yet they put it on my credit reports. This false information needs to be removed from my credit reports immediately!