davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : XXXX   XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1.SYNCHRONY NETWORKS
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (GA)

There were fraudulent charges on my account for three months. I disputed the fraudulent charges and the charges were removed three months later. I have requested in writing to this company that I get refunded interest charges for the months when I had fraudulent charges on my account. The company responded to my letter on XX/XX/2020 via email to me however they ignored my request.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In short, I had an escrow/impound account associated with my Bank of America ( B of A ) mortgage. B of A was obligated to pay my XXXX XXXX property taxes. They did not pay my property taxes and a {$900.00} fine was levied against me by XXXX XXXX. I feel that B of A should be obligated to pay the fine. The scenario is outlined in detail below. 

In XXXX, I established a mortgage for my primary home with B of A. Since that time, I contributed monthly to an impound or escrow account from which B of A would pay my property taxes. In XXXX of XXXX, I refinanced that mortgage with a different bank. 

My mortgage was refinanced on XX/XX/XXXX, about 3 weeks after my property tax from XXXX XXXX is due. On XX/XX/XXXX, before my mortgage refinance funded, I contacted B of A to ask whether they planned to pay my taxes from my impound account or return the money in my impound account to me prior to the due date so that I could pay it. I knew that B of A had not previously paid my property tax until shortly before the " overdue '' date on which fines were levied, which would be XX/XX/XXXX. On XX/XX/XXXX, I waited between 1-2 hours to speak with a mortgage representative. The representative I spoke to on the phone was unable to help, but assured me she would raise the questions with her manager and get back to me. I received no response by either phone or email. I called again on XX/XX/XXXX. After waiting more than an hour on hold, I had to go back to work and disconnected. I called again on XX/XX/XXXX. Again, after between 1-2 hours, I spoke with another representative. This person advised me that more than {$9000.00} had been paid from my impound account two weeks prior. She couldn't tell me whether it had been sent to XXXX XXXX or to me, but the taxes could be paid either way. 

On XX/XX/XXXX, I received a letter from B of A postmarked AFTER my property tax was considered past due ( XX/XX/XXXX ). The letter contained a check for all of the funds from my impound account. After speaking with XXXX XXXX 's tax collector 's office, I learned that the county had levied fines against me including {$870.00} for the delinquent payment of my primary tax bill. 

The mortgage had been paid off by my new bank on XX/XX/XXXX. B of A executed the Full Reconveyance on XX/XX/XXXX, but my escrow funds were retained for almost 3 weeks. I called B of A several more times and filed a complaint with the Better Business Bureau, but B of A has not addressed why they failed to either pay my taxes or return my escrow funds in a timely manner so that I could pay my taxes.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY (MD)

My direct deposit went onto my American Express Pay card. I have been trying for a month to get my money off this card. I contacted AMEX Serve Customer Service, at least XXXX times. Been hung up on, rushed off the phone, given what I feel is false information. Such, as use XXXX, and pick your money up at XXXX, tried that, the XXXX rep could see my money, when she went to pay may the transaction was cancelled on AMEX Serve side. I tried to link it to my bank account, three times, money was never transferred to my account. The last suggestion from this company was to use bill pay and have the check mailed to myself. I did the bill pay on XX/XX/XXXX, the first delivery date was supposed to be XX/XX/20, now, I have been several delivered dates, it changes every day. I have contacted AMEX, I filed a complaint with XXXX. I my balance is now showing XXXX balance. However, I have not received my check for XXXX please see screen print. I need my money to pay my bills. Not keep getting this run around from American Express. This company has lied and I am still waiting on my money.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (GA)

My employer filed an unemployment claim on my behalf due to COVID-19 effects and I never received a Go program card and I cant get in contact with customer service to transfer funds to my direct deposit account ... ..Im owed 5 weeks worth of benefits that I cant access and cant get in touch with anyone to fix the problem.
Consumer complaint received 2020-05-02
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. (GA)

I have accounts listed on my credit report with Transunion, in which I do not recognize. I reached out to Transunion via certified mail over 30 days ago. I provided Transunion all the necessary documents to remove the following account : XXXX XXXX  # XXXX. However, I have not heard back from Transunion nor have they remove the false accounts listed. I am reaching out to CFPB to help me resolve this issue.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Consumer complaint received 2023-04-08
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)

Based on, 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

As with my previous complaint, Citibank continues post my transactions, while also leaving the same amount in pending, double dipping into my account, and holding up twice what they should. A {$15.00} transaction becomes {$30.00}. A {$40.00} becomes {$80.00} out of my account. They refuse to fix the error for weeks on end, holding up my funds, making it difficult to pay bills and take care of necessities. It just feels like theft at this point or taking advantage of people with XXXX, whom otherwise may be unable to argue their case. Once was an accident, maybe twice. But this has happened over and over and is a system error they wont fix.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint because Capital One and the 3 major credit bureaus has ignored my request stop reporting the negative account that was closed due to fraudulent activity following the theft of my wallet. I reported the theft to Capital one and made every effort to fix the issue to stop any negative reporting on my behalf. I have provided them with my police report and identity theft affidavit supporting this. Capital One claimed to have completed a transactional fraud investigation on XX/XX/21 and failed to provide me with the results or a resolution. 

My rights under the FCRA have been violated. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. This inaccurate reporting alone has continued to negatively impact my credit worthiness. 

Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WI)

XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for Comenity Bank. During the month of XXXX I was very ill due to XXXX complications which caused me to be XXXX and missed payments. I gave birth in XXXX and shortly after I was on XXXX XXXX without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to Comenity Bank to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged me a service fee of {$12.00} on an account with XXXX XXXX balance during this time. The could clearly see the usual deposits had not been made in some time. My frustration is they claim to be working with customers. I know they're lenient toward the small business owners and homeowners. I don't think it should be any different with the regular small customers who use their services. 

PS. I called them for third time on Saturday at XXXX and was rudely hung up on.
Consumer complaint received 2020-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (OK)

In XX/XX/2018 a vehicle was purchased and I was listed as a co-signer. After the primary borrower neglected to pay I never received notification that the primary borrower was behind on payments. After the car company sold the vehicle for more than the balance owed on the vehicle and is still attempting to collect it. I am asking that this car company provide the bill of sale for this transaction which proves I do not owe anything for this vehicle. Also, I would like them to prove that they notified me when the borrower failed behind on payments. According to the Fair Credit Reporting Act, creditors must notify borrowers and give them at least 30 days to dispute the validity of debt before placing it on someone's credit report, this right was denied to me.
Consumer complaint received 2022-04-27
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)

My credit report will have no inquires 2 days later it will have a bunch.thats why I have fraud alerts on all my reports.a very unhappy ex thinks its cute to try to sabotage me by pretending hes me and applying to companys with my info just to make my life miserable.. I have filed police reports again and again as well as identity theft with the FCC. EQUIFAX REFUSES TO REMOVE THESE THIS NEEDS TO STOP THEY HAVE SCREAMED AT ME ON THE PHONE ITS NOT MY INQUIRY AND NOR DID I AUTHORIZE IT
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX filed a collection against me on XX/XX/XXXX for {$270.00}, they agreed to close and remove this from my credit file if it was paid in full, I did pay it in full in XX/XX/XXXX. They sent out letters to XXXX, XXXX and Experian notifying them of this, XXXX and XXXX closed and deleted it from my credit file, Experian still continues to report it on my credit report along with they are reporting that it also had a late payment, this was a collection, late payments did not apply. I contacted XXXX XXXX and they stated that they notified Experian to correct the information, I also contacted XXXX XXXX and they also stated that it would be corrected. I have filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, Experian just keeps updating my file with the incorrect information and they still have not closed and deleted the file as per the agreement. I have also had representatives at XXXX XXXX send letters regarding this matter, that I did submit with my dispute with Experian.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

Greetings, I have opened a checking bank account with chase, all have been good until I lost my debit card, the pin number was on the card on the white paper. I didn't realize it until a XXXX dollars were withdrawl from the bank. I recieved a fraud message and I immediatly replied that I didn't do it. They opened a claim, it was denied. I contacted them several times, they stated that I had done it. They even closed my account so I wouldn't call anymore. I need help please.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I am trying to login to my PHH mortgage account and for several days, I get errors and can not get logged in to check payments and balance. Their phone number directs clients to login to " XXXX '' which takes the client to a page 'click here to login to our new portal '. That quickly fails with one of a few " Internal errors ''. I've tried several times today, XX/XX/XXXX, and both days last weekend, XX/XX/XXXX and XXXX. They now have no staff on the weekends and with the current virus situation, it is imperative their customer login actually works.