davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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. (IN)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Received letter from XXXX XXXX XXXX XXXX dated XX/XX/2020 alleging I owe {$690.00} to creditor Synchrony Bank and merchant/account type PayPal Credit. This is not my debt. I have notified XXXX XXXX XXXX XXXX this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (HI)

I was made aware in XXXX  of 2020 that my credit score of XXXX had suddenly dropped between XXXX and XXXX to XXXX. Checking my outstanding balances on the three credit cards I carry showed that I owed negligible amounts on my Visa and XXXX XXXX cards as I pay my balances monthly and that the balance on my XXXX XXXX MasterCard ( Barclays ) card was XXXX as I hadn't used it in months. Checking with the XXXX webpage revealed that I had no outstanding bills or collections levied against me. However, I recently received a letter from Barclays informing me that my MasterCard was terminated due to 90 days of delinquency. Upon checking my Barclays app I was able to confirm that not only was my balance at the time of termination {$0.00}, but that the card had not been used for over 8 months. The date which they issued a 30 day delinquency directly correlated with the dates in which my credit score began to decline. I received no written letter, email, or phone message to inform me of this. Since I had not been using the card and knew that the account had been paid in full I did not have reason to suspect that they were the source of my credit decimation. Upon contacting Barclays this morning ( XX/XX/XXXX ) I was informed that it was not there problem to fix. My score is now XXXX. I was also advised to write letters to the 3 major credit monitoring companies, advisement which directly contradicts the Federal guidance provided by this website. They not only deny any responsibility, which I have full documentation of, but are advising me to pursue a line of dispute that seems to be of even further detriment to my score. Never once was I advised to seek Federal credit advice to rectify the matter. Not only are they grossly negligent in this matter but seem to be actively directing me away from a course of action that would help me resolve it and restore the credit that it has taken me years of responsible financial planning and payment to achieve. I believe, especially due to the documentation I have and the sheer negative effect this has had on my credit, that this qualifies as matter worth pursuing in civil court if they are insistent on refusing to rectify the problem that they are clearly responsible for creating. The Barclays associate with who I spoke is named XXXX, employee number XXXX. Again, I was told my only recourse is to send a written letter via conventional mail to Credit Bureau Dispute FCRA XXXX. XXXX XXXX XXXX, Delaware XXXX and physical letters to all 3 credit agencies and that they will take no steps to restore my credit otherwise.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

I've reached out to ATG Credit LLC, several times regarding accounts that they're reporting on my credit report and I can't seem to get this resolved. All proof is attached below : This isn't my debt, when I reached out to them on XX/XX/22 ( CFPB Compliant XXXX ), XX/XX/22 and XX/XX/22 ( Via Mail ) still never received the debt validation, only XXXX bills. That's not a debt validation. 

Then on XX/XX/22 they stated that they ask for removal until validation. You'll find that my credit report is now reporting 2 debts by this company. As I've attached both mailing slips of me reaching out to this company directly. I have my paper trail. 


I want my XXXX form that I signed confirming this is my debt. My XXXX right has been violated. I want this collection removed right away. 

If this debt isn't removed from my credit report immediately, I will file a lawsuit. As I've given you 2 months to provide this information.
Consumer complaint received 2024-02-26
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. (NC)

I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation o

f 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. I requested addresses be removed from profile where I've never resided to preven
t erroneous information from being furnished to my report. This issue still hasn't been resolved.
Consumer complaint received 2023-01-21
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. (MO)

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights Equifax Mortgage service has violated my rights 15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$7800.00} / XX/XX/XXXX XXXX  XXXX / {$5700.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$18000.00} / XX/XX/XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Received letter from Nationwide Credit , Inc. dated XX/XX/2020 alleging I owe {$690.00} to creditor XXXX XXXX and merchant/account type XXXX XXXX. This is not my debt. I have notified Nationwide Credit , Inc. this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.
Consumer complaint received 2022-01-09
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. (PA)

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

On XX/XX/2021 I was part of a scam that targeted me as a college student. They pretended to be a professor at my school looking for a student research assistant. They told me to text them my name. They then briefly told me about the job and then asked if I could inquire about some items I would need for the job. It was a laptop, printer, and stamper. They asked if I could make a payment for them if they sent me a check. I said yes. They sent me a check for {$1800.00} and asked if I could deposit it through mobile. I sent {$1200.00} to an email address through zelle that was supposed to be for the laptop. I sent {$1200.00} to the same email address through zelle for the printer. I was suspicious about this and emailed the professor who said it was a scam.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This issue upsets me a lot because I know that it'll affect me with my further transaction and I know it'll become harder to make deals with credit. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ).
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$5700.00} / XX/XX/2022 XXXX XXXX XXXX/ {$18000.00} / XX/XX/2022
Consumer complaint received 2020-11-24
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. (KS)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2020-11-24
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. (IN)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FINANCIAL BANKSHARES, INC. (TX)

On XX/XX/2022, my bank text me a fraudulent asking if I had made a purchase from XXXX in the amount of {$530.00}. I immediately responded that the charge was not mine. I then called XXXX. XXXX quickly shut my account down. I called my bank who told me the charge was pending and I would need to go in to a branch to do the paperwork. On Monday the XXXX I went into the bank to submit my claim. My bank put the {$530.00} back into my account pending their investigation. On XX/XX/2022 my bank took the {$530.00} back out of my account stating the dispute has been investigated and they have found the purchase to be made as correct. I have a letter from XXXX stating the charge is not legitimate. I went back into my bank on XX/XX/XXXX to show them the letters I have. The bank then told me the investigation was over and there was nothing further they would do. We had them call the fraud department who also said there is nothing further that they will do. I do not feel they properly investigated the charge. My bank is who notified me of the charge and I immediately responded that I did not make the charge. I strongly feel at that moment the charge should have not been allowed to go through. Where it stands now, XXXX can see on their end that the money was returned to me by my bank and that the case is closed. XXXX can not see that my bank then took the money back out of my account so now it is still unresolved.
Consumer complaint received 2018-03-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WASHINGTON FEDERAL BANK (AZ)

Over a year ago we started the process of building a custom home. After we closed and had already paid our down payment, purchased the land and cost to build, we were shocked to find out our first interest only payment was so high. We immedietly contacted the lender. They informed us there disclosures were misleading. Eventually after a face to face meeting, we decided to wait until our home was done being built to file a formal complaint. Washington Federal did mislead us. Not once did they ever properly disclose the proper terms and costs of the loan during the closing process. The paper work we were disclosed and signed is clear. 

{$750.00} is the max payment for year one ( first 12 payments ). This is clear on page one ( 1 ) of the disclosure we signed. For years 2-31, page one ( 1 ) does reference the Adjustable Payment table on page four ( 4 ) for an updated payment. See next paragraph. 

The Adjustable Payment table on page four ( 4 ) of the disclosure is also quite clear. At month 13 we start paying both interest and principle and the max payment not including escrow will be {$1900.00}. 

So, XXXX is correct. During the first 12 months ( year one ) we will be in interest only payments with a maximum of {$750.00} per payment. 

There is no {$1500.00} payment ever for the length of this loan. Not in year one ( 1 ), not in years 2-31. 

XXXX, please call me if you have any details that are different than our closing disclosure we signed. 


We were forced to pay terms we never agreed to. We were never given a chance to even consider if we could handle up to XXXX a month payment while we build.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (ID)

This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX  the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX  to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.
Consumer complaint received 2018-03-05
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. (NC)

I have been the victim of identity theft. I now have been studying my credit reports from the various agencies ( Experian, XXXX, etc ) and one came up on my Experian report that needs to be removed. I no longer have, nor have ever had an account with them and it shows it to be open on my report. 

XXXX Acct # XXXX Date opened XX/XX/2014 Monthly payment {$25.00} I attempted to send them a letter with no avail. They aren't able to be reached by phone. This is a fraudulent account and they most likely need to go to jail
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I couldn't make my mortgage payment due to COVID and worked with XXXX to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tulsa Adjustment Bureau (CO)

MY NAME IS XXXX XXXX. I WAS SENT TO COLLECTIONS FROM XXXX XXXX XXXX IN XXXX OKLAHOMA. I WAS INSURED UNDER THE STATE OF OKLAHOMA WITH MEDICAID. DATE OF SERVICE IS XX/XX/2017. XXXX OF OKLAHOMA WAS NEVER BILLED, WHEN I TALKED TO XXXX XXXX XXXX I TALKED TO XXXX WHO CONFIRMED THEY BILLED THE WRONG INS WHICH IS XXXX XXXX BUT REFUSED TO REMOVE FROM COLLECTIONS WHICH IS AFFECTING MY CREDIT. I ALSO TALKED TO THE COLLECTION AGENCY WHICH IS XXXX XXXX TO DISPUTE AND SENT THEM MY LETTER OF ELIGIBILITY AND THEY TOO REFUSE TO REMOVE. I AM ON MY WAY TO THE MILITARY AND NEED TO HAVE THIS ITEM REMOVED FROM COLLECTIONS AND OFF MY CREDIT REPORT AS SOON AS POSSIBLE AS THIS BILL IS OUT OF TIMELY FILING AND ALSO I WAS NEVER EVEN NOTIFIED OF THE BILL OR RECIEVED INITIAL NOTICE FROM MTHE COLLECTION AGENCY. I FOUND THE INFO THROUGH MY CREDIT REPORT
Consumer complaint received 2022-04-28
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX Account 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 also states a consumer reporting agency can not furnish an 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 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

In XXXX, XXXX, XX/XX/XXXX and most recently in XX/XX/2021 I sent dispute letters to the credit reportimg agencies about fraudlent inquiries. It should also be noted I sent an addidtional letter on XX/XX/2021. I have requested investigations into the matter and I requested that they send me a full description of the procedures used in the investigation and to be sent proof of my consent for my file to acessed in my recent letter. 

Its been almost 6 months and I still have not been notified or see any updates or changes to my credit report. NONE. Not one single acknowlegment OR ANY CHANGES OR REMOVED INQUIRIES!!! 
I send the letters certified so I know they are recieving them but I am being ignored AND WHEN I CALLED RECENTYLY THE REPS WERE NOT HELPFUL!
Consumer complaint received 2021-06-02
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)

I reached out to Equifax on XX/XX/21 regarding fraudulent student loans that were defaulted under my name. I am a XXXX XXXX and the government paid for my schooling. I sent them an identity theft report, my ssn card, my id, and 2 proofs of address. They did not remove the accounts, nor did I receive correspondence on why they left 4 fraudulent accounts on my credit.
Consumer complaint received 2022-03-01
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)

The information that is being reported on me is false. I have tried contacting the comapies to gain more inforamtion about the accounts that were opened over the phone or online. I never opened the accounts listed