davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NJ)

please review the following accounts that appear on my credit report, without any authorization, they do not belong to me, it is hurting me dentity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2018-11-10
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (GA)

I have had no assistance in my claim regarding XXXX XXXX XXXX XXXX XXXX and their debt collector : Transworld System even after several YEARS of CFPB complaints, including Ombudsman appeals with continued damaged credit resulting in declined loans and higher interest rates. 

Dates : 2007 to Present Amount : Originally - $ XXXX. Currently : $ 80K ( approximately ) Actions : Continuing to negative credit report resulting in my score down over 80 points, ignoring and violating Consent Order, falsified credit dispute documents by reaffirming the debt was owed to credit bureaus.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I spoke with a representative named XXXX from Equifax, To update my information such as addresses and phone numbers. I also explain to XXXX that I was a victim of identify theft and did n't recognized some inquires that was on my report he asked me which inquires that was n't made by me and I told him and he advise me that those inquires were deleted and provided me with an confirmation number # XXXX. When I received my report in the mail I realized those inquires were not removed like the addresses as stated on the recording. The following Inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX
Consumer complaint received 2018-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

I had a cae accident which vehicle was demeed total loss XX/XX/2016. The auto finance company has it as a charge off as sin e insurance company paid .off vehicle and doesnt want to removed from credit i been disputing the false information and they stated They will removed since They found all check yo be paid from insurance Company.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

My Citibank MC credit limit is {$12000.00}. The XX/XX/2020 statement was paid in full. 
My XXXX statement shows the following purchases : XXXX XXXX ( XXXX  ) {$66.00}. No other charges made to the account or previous balances. The XXXX statement had a due date of XX/XX/2020. 
On XX/XX/2020, XXXX  credits the full amount {$66.00}, however I went to the Citibank site as I usually do when I pay my bills due for the first week of XXXX. When I tried to make a payment the site showed : {$0.00} balance no payment due at this time. 
On XX/XX/2020 the new statement came out with a {$29.00} fee for late payment. I chatted online with and called Citibank on XX/XX/2020 to ask for a credit for that late payment fee since when I tried to pay the credit card the site will show a {$0.00} balance. The rep via chat could not help me and I got disconnected from the chat and was unable to get back to it. The Citibank system did not let me back into the chat, I got a message that session was over, turned off the computer and tried again, same message. Then I called to close my account and the Citibank rep said the only help he could provide was a 2 % credit to my future purchases to not exceed {$100.00} for total credit. He stated he could not waive the {$29.00} fee because even though XXXX  credited the full amount of the statement balance, I still needed to make a {$35.00} minimum payment. Minimum payment for what? The balance was XXXX. The XXXX statement shows a purchase of {$42.00} plus the fee for a total of {$71.00} that I had to pay in order to be able to close my account which I did.
Consumer complaint received 2020-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I went to XXXX XXXX XXXX  and I was in a car accident in which I had a claim number for the party at fault and the XXXX driver and the bill should've been paid by the insurance and party at fault.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (PA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-08-08
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. (NY)

I contacted CFPB in regards to the XXXX XXXX XXXX 's lawsuit settlement. They provided me with a positive response in that they will contact the 4 major credit bureaus to remove the inaccurate account from my credit report. I have the letter as proof.
Consumer complaint received 2018-11-11
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. (MI)

On or about XX/XX/2018 Equifax received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from Equifax it was told in a letter that a third party vendor XXXX XXXX had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on XXXX XXXX this is clearly a privacy violation for both agencies. I need to how is this verification legal since the courthouse on record doesn`t release said information.
Consumer complaint received 2018-11-10
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: AFNI INC. (FL)

Re : AFINI.INC Dear AFINI.INC, I have never recieved any written correspondance from this company. AFINI.INC added a collection to my credit reports with XXXX, XXXX, and XXXX that resulted from crime ( s ) that have taken place. This is invalid. I did not recieve any services or goods from the original creditor. However, I am still held resposnsible for this debt. You are hereby in violation of THE FAIR DEBT COLLECTION PRATICES ACT by adding a collection to my credit reports without my knowledge. You're also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccuarte information to credit reporting agencies. You were notified by the above mentioned credit reporting agencies not only were you frowarded copies of an FTC Identity-Theft Report as well as an Identity-Theft Affidavit. Still you fail to comply with laws enacted by Congress for victims of identity-theft. I am a victim of identity-theft and request that this debt be removed from my credit report. Failure to comply shall lead to legal actions. I will seek punitive damages for defamation of character for my name being assocaited with debts I do not owe as well as your neglilence to adhere to FAIR CREDIT REPORTING ACT. Thank you.
Consumer complaint received 2022-08-23
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. (MO)

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account Lates payment will be removed. 
XXXX XXXX Balance : {$7400.00}
Consumer complaint received 2020-08-08
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: Neon Newco Corporation (CA)

i have 2 debit cards with netspend and they refuse to let me use the money that i deposited in my accounts with my money. Even after almost 20 attempts and verification that i am the holder of the credit cards they still will not release the restrictions on my debit cards to get my money. This has been going on for two whole days. Even after verification and i want criminal prosecution of this company i have my social security checks and XXXX loan XXXX  loan and stimulus checks going to these accounts.
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint in response to the recent investigation conucted by the Credir Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed accounts. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the acccounts must be promptly updated or deleted according to Section 1681i ( a ). 

1. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} 2. XXXX XXXX XXXX XXXXXXXX Balance {$600.00} 3. XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} 4. XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} 5. XXXX XXXX XXXX XXXX Balance {$3600.00} 6. XXXX XXXX XXXX XXXXXXXX Balance {$6400.00} 7. XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} 8. XXXX XXXX XXXX XXXXXXXX Balance {$3000.00} 9. XXXX XXXX XXXX XXXXXXXX Balance {$6100.00} 10. XXXX XXXX XXXX XXXXXXXX Balance {$5700.00} 11. XXXX XXXX XXXX XXXX Balance {$2900.00} 12. XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} 13. XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} 14. XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} 15XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} 16. XXXX XXXX XXXX  XXXX Balance {$1100.00} 17. XXXX XXXX XXXX XXXX Balance {$2800.00} 18. XXXX XXXX XXXX XXXXXXXX Balance {$250.00} 19. XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} 20. XXXX XXXX XXXX XXXX Balance {$3200.00} 21. XXXX XXXX XXXX XXXXXXXX Balance {$4100.00} 22. XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} 23. XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} 24. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2020-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (KS)

Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to Ally Financial, that vehicle was sold on XX/XX/XXXX, I received a letter from Ally Financial on XX/XX/XXXX stating what my deficiency balance was. On XXXX XXXX, I tried to call Ally Financial and was routed through their automated system to XXXX XXXX as it indicated my account had been turned over to them for collection. I tried for several days to reach XXXX and finally on XX/XX/XXXX, was able to reach XXXX XXXX XXXX with XXXX. Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify Ally Financial At that time that my payment was made in full and had cleared. Since XXXX XXXX, when I was notified by my bank that the payment to XXXX XXXX had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XXXX XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from XXXX so that I can show this paid and also so that Ally Financial will show this has been paid. 

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.
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: EQUIFAX, INC. (FL)

Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly.

This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.
Consumer complaint received 2023-01-19
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: CBC Companies, Inc. (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX Late Date XXXXXXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-12-10
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: CITIBANK, N.A. (CA)

I was charged for a product that was faulty and the company promised a refund but than backtracked. I disputed the charge for US {$110.00} with XXXX. The Citibank department closed it without informing me and I am not sure how to respond to them. I have not recieved any response as to why the dispute was closed
Consumer complaint received 2019-09-03
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. (IL)

I was offered a settlement on my XXXX XXXX credit card I paid the settlement offer but XXXX XXXX is still reporting that my credit card is still overdue amd that I still owe money on it amd they wonr remove the negative item or update the account to say its paid it's just sitting there as if I haven't done anything to resolve the issue
Consumer complaint received 2022-08-25
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. (FL)

This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # XXXX 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 an account without my written instructions.