davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I received notification on XX/XX/XXXX of a 30day late payment on my XXXX installment loan that should have been paid in full in XX/XX/XXXX. At the inception of the loan automatic payments were setup in the amount of XXXX to be paid monthly for 36 months with the final payment being a one time larger amount taking care of the remaining balance. However, I found out ( after adverse credit reporting ) that {$81.00} remained at the end of the 36 months and was not included in the final automatic payment as planned and as the loan documents outline. 
The last I checked, there was an autopay payment applied on XX/XX/XXXX for XXXX and my account was showing as current in good standing. I contacted the company immediately when I received notification of the late payment on XX/XX/XXXX and inquired about the status of the account. I informed the manager XXXX that the payment history and balance history was incorrectly reported. I was told that the autopay ended at the end of XXXX so the remaining balance was left unpaid. My XXXX payment of XXXX was not reported as paid to the credit reporting agency. I was told that they werent allowed to draft the {$81.00} because it was a " different amount '' that they were not authorized, however, my promissory note indicates that the last payment may be more or less or may need to be extended. The TILA also outlines that the last payment is different. 
I was never notified that an {$81.00} balance was remaining and that it would require a separate manual payment. On XX/XX/XXXX I paid the remaining separate payment as soon as I found out. I paid on time and in full each month When I spoke to a Loan Operations manager named XXXX on XXXX she informed me that they would not remove the information. XXXX refused to review the details of the account with me and ended the call. She also refused to escalate the matter to her supervisor as I requested. I sent numerous emails and called back to reach someone who would be able to resolve the issue but was unsuccessful in reaching a senior staff member to review the details of the account and correct the inaccurate reporting. The representatives claimed they were not allowed to leave a voice message for me.when they claimed to have called me. 
To date, I have been unsuccessful in all of my attempts to correct the erroneous information despite proper documentaion from the lenders own website showing my perfect payment history. I paid as agreed and was never late but XXXX refuses to resolve and correct the information.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-06
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

My contract was up and I canceled my service. I never agree to pay more for my service. I never agree or singed any contract. I want proof of debt and proof of agreement or signature. 
Date XXXX Balance. {$290.00} XXXX
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Lueder Law Firm, LLC (GA)

In XXXX of XXXX I sold my property and moved to another county. XXXX XXXX XXXX XXXX XXXX XXXX and Lueder Larkin & Hunter, LLC continue to bill me for alleged fees accrued after the sale of my property. I have disputed the debt with both aforementioned entities and have received no response. I have not received any communication about an alleged debt, but instead the property manager of the property I sold contacted me to advised Lueder Larkin & Hunter, LLC was attempting to serve me at his address. The property manager advised me that he advised Lueder Larkin & Hunter, LLC on XX/XX/XXXX that I did not reside at his address. Lueder Larkin & Hunter used a fraudulent affidavit of service in order to get a default judgement for a debt I do not owe at an address that I do not live.
Consumer complaint received 2024-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (CT)

I received an alert form XXXX on XX/XX/year> that someone reported a collection account. Upon calling the company they said they had the wrong address and refused to notify me XXXX days in advance of reporting a collection account in accordance with Federal Law.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

I opened a citi gold account with a promotion of {$500.00} if I met all of the requirements. I have been told I met all of the requirements by three different representatives, but I still have not received my promotional cash bonus.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

: RESURGENT CAPITAL SERVICES you are in direct violation of my rights under the FCRA act.

-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus including the hard inquiry that I did not authorize. Show proof of the application that resulted in an inquiry. If not, remove that inquiry from all credit agencies that you are reporting too. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (MN)

My complaint is with Goldman Sachs management of the Apple Card. My account was opened without any issues. I am in great financial shape with no debt. I began using the card per usual. After a few weeks the account was restricted with no explanation. I had even made an early payment to clear the outstanding balance. After several text sessions and a phone call, I talked to someone who said they needed more account information from me but had not communicated that to me. They assured me that the issue was resolved and the account reopened. Several days later the account was closed again and again no explanation. I have now spent countless hours with their front people who have no clue but to tell me that the account is under review but have no more information. No one will contact me and Im told it could take 10 days. The level of ineptness throughout the process has been astounding. I still have no answers days later just vague, patronizing text messages. I have never experienced such ineptness. Apple should seriously reconsider their relationship with Goldman Sachs.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

The payments made on ( XXXX {$8000.00} and XX/XX/year> - {$1700.00} ) cleared from my account on the XXXX, and XXXX respectively. They have not applied the payments as of today the XXXX. This is the third time this has happened. Looks that they are trying to squeeze fees and overdraft fees, by not allowing the payments to be paid. The even agent on the phone could not answer why.

Sams club Synchrony bank
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P.S.C., Inc (GA)

hello, i had assistance by the state of Washington to pay this medical bill, i also had state Washington apple health at the time of emergency. I contacted Swedish billing and told them the situation. the rep told me they took care of it and sent the bill to my insurance at the time of emergency.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

Addresses that I have no association with has been added to my consumer report and Ive called serval of time to ask why and haven't gotten an answers. I even call credit furnisher and they gave me the run around to re contact the source of the companies that gave this false information XXXX XXXX XXXX XXXX Wrong address being reported on my reports XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-05-13
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX Balance : {$9300.0XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (CA)

1st progress # XXXX ) 15 usc 6803 Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.15 use 1681 ( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. they 15 usc 1681c- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

they has proper documents thats i have been a victim of id theft. they didnt provide proof that it was me they saying information match in sent a bank statement knowing the information not showing proof that it as me i sent police report to the company in they sending statements vaildated the debt
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Last month, I provided a better copy of my identification as requested by the fraud department at Bank of America. He told me thats what he would need to prove that I wasnt the one at the ATM pulling money from the account because there were CLEAR pictures of the girl in a car pulling money straight from the ATM. When I sent in the license I assumed that would be what they needed and I also explained that I cant even drive due to medical reasons that terrify me from being behind the wheel. So Im not understanding how my claim was denied when the person in the photos is CLEARLY not me or anyone I know or authorized to steal my money. Why would I go to the ATM when I can go to the teller? And why was I never at the ATM? Not even once. There is clearly no investigation being done because when I requested information on why my claim was denied they sent me the SAME bank statement they keep sending that only proves my money was spent. Unacceptable.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (OK)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to disputed this charge and requested validation for this account in XXXX XXXX and XXXX and no action has been taken, there has been no response and no validation sent to me.
Consumer complaint received 2022-12-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-11-25
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-07
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. (LA)

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

Accounts : XXXX XXXX XXXX XXXX ; 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that they information is inaccurate.