davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (VA)

I owed Military Star ( EXCHANGE ) over {$8000.00} about XXXX I had not been able to pay because I lost my job house, went through a divorce on ; y SS benefits, began working called made a payment arrangement. I was advised to pay {$770.00}. before XX/XX/XXXX and made a payment arrangement with the company ( Exchange ) to pay {$200.00}. each month. I paid the {$770.00} on XX/XX/XXXX, XXXX I sent XXXX,. XXXX {$200.00}. to the ( Exchange ) company. The ( Exchange ) company turned the account over to a collection agency without sending them proof of the {$1100.00} payments that had been received or the agreement I paid. When I was contacted by letter I was asked to send proof of the payments made from XXXX thru XXXX I faxed the info over to ( XXXX ) the collection agency for Military Star Exchange. Last month the rep at Military Exchange sent to the Treasury a offset of my social security and now my retirement benefits. When the letter was received from them ( Exchange in XXXX the balance was over {$9500.00} or a little more. however when they reported it now over XXXX. The company ( XXXX ) referred me back to military exchange because nothing is being reported as paid to the credit bureaus as payments or received. I kept my end of the paying agreement however the Military Exchange started an offset I am unable to reach anyone at the IRS to speak about the offset. I agree the debt is mine but the balance is not correct and why I cant get answers about the account the collection agency was not aware payment had been made. Please help if they are taking the offset why did they make the payment arrangements. I would like payments received reported to the credit bureau with my explanations. I would like the balances corrected and for them to send me an audit of the account because it clearly is incorrect. It cant be legal to offset and collect payments from the debtor. XXXX is the collection agency for the Military Exchange I can fax in Proof of the letter I received regarding the balance and receipts of postal money orders paid to the Military Exchange Respectfully XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (SC)

Chase bank card was paid in full and closed in XX/XX/2023. I never charged anything with this card for a long time because they charged 30 % interest and A yearly fee. I shopped around and found XXXX at 0 % for 2 years and transferred the amount from Chase to XXXX. Chase is still trying to tell me I owe them money but I do not owe them anything. After 60 days, Chase sent me XXXX bill saying I owe them {$150.00} so I called them and told them I owe them nothing for their card was paid in full and closed. My account with Chase # XXXX. And their customer service is horrible with all XXXX  people that should learn XXXX.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NE)

In XX/XX/year>, I cancelled my Synchrony/Amazon bank credit card ending in XXXX. Synchrony/Amazon then XXXX charging another XXXX of my cards that they have on file for XXXX XXXX XXXX XXXX times a month. So, since XXXX I have been billed {$48.00} for a card membership that I cancelled in XXXX. 

When I contacted XXXX and then Synchrony, they both said there's nothing they can do, and they refused to refund me. XXXX would only cancel my membership going forward. 

Note that these unauthorized charges are on top of Synchrony bank continuing to charge me late fees on a card that I paid off and closed.
Consumer complaint received 2022-09-13
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I cant dispute it online, I tried calling and because my phone doesnt have the picture quality they want they wont take the old useless information off. That is keeping me from accomplishing my goal. Experian is not playing nice.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I had a charge card with Synchrony Bank ( Sam 's Club ) that was delinquent and charged-off. They received a judgement that was recorded against my property/home. The home has been sold and closed with funds witheld to payoff Synchrony. I have filed XXXX XXXX XXXX, with the sale of my house paying off all of my creditors. The funds from closing to payoff Synchrony Bank are being held until the title company receives a payoff letter of some sort from Synchrony. Synchrony Bank is refusing to issue the payoff letter, claiming that they can not due so.
Consumer complaint received 2023-11-24
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. (NJ)

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 2022-12-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery has been harassing me for over a year now with repeated phone calls. When I block one number, they call from a different number. 

The most recent phone call is when they called twice XX/XX/XXXX at XXXX XX/XX/XXXX from a ( XXXX ) XXXX at XXXX I would have to go back on my phone bill for the numerous calls
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PlusFour, Inc (NV)

On XX/XX/2022 I received a call from the collection agency while I was currently admitted in the XXXX. I missed the call so I called them back and advised them that I was not in a position to discuss the situation at all and they they needed to cease any and all communication immediately and disconnected the call. Since them they have continued to make repeated attempts to contact me ( at least 5 additional calls since then ). They use deceptive measures to disguise their identity buy consistently changing the caller ID to read veracious things, however they do provide voicemail messages. The voicemail is the " XXXX XXXX '' so clearly is the agency that was placed on a cease communications verbally. I have had no communication in written form to date. They were legally mandated to provide a XXXX letter per Nevada collections law sent either certified mail or registered mail. This was never done. This would have provided me 30 days notice prior top any collections beginning. Once this is done they can send a initial collections letter providing 30 days to dispute the debt. This never happened either. This agency is clearly not abiding by Federal or state laws such as the FDCPA or state laws XXXX XXXX as well as well as the regulation F mandate that provides a 7 day cool off period between calls once communication is established. The initial conversation was on XX/XX/2022 ( provided they were not placed on a verbal cease and deceit ) and they provided a voicemail message on XX/XX/2022. This collection agency is using and continues to use Unfair, deceptive, or abusive acts and practices as part of the daily operations. I currently still have no idea what debt they may be referring to since they never handled themself correctly with any communication both written or verble. Please help me put an end to the abuse and harassment.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$350000.00} to CITIZENS MORTGAGE Bank XXXX MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument.

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion XXXX XXXX XXXX is reporting incorrect balance amount on my credit card. Transunion is reporting i have a balance of {$220.00} but my account online states i have a {$0.00} balance.
Consumer complaint received 2022-06-09
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$160000.00} to CITIZENS MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX  XXXX  ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. 

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (NJ)

I had a XXXX XXXX  gym membership. My gym closed. I canceled my membership and it shows inactive on XXXX  website. ABC Fitness Solutions continues to contact me to collect the debt. They deducted from my credit card and I had it overturned. I called them and advised it was canceled months ago but the email me every other day
Consumer complaint received 2023-03-30
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. (KY)

When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX XXXX : {$4900.00}
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

I had a XXXX account back in XXXX but I closed the account and switched to XXXX on XX/XX/XXXX. I sent letters and called XXXX ( XXXX ) to let them know I was receiving emails from XX/XX/XXXX to XXXX of XXXX. When I went inside the store in person I was told they couldn't help me because I didn't have the pin even though in showed them my license and gave them my ssn. Now I'm receiving a collection notice XX/XX/XXXX. I reached out to the collection agency and sent letters to dispute but they're only looking at when I first opened the account and ignoring the fact that I closed my account. I tried desperately to get information on this because I know this is fraud and XXXX is trying to cover it up. They should be able to see the card information on file, address used and etc to see if matches my information.
Consumer complaint received 2023-03-30
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 2022-06-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act the following acct # s have 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 XXXX XXXX  Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilizationXXXX % Date XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date XXXXXXXX XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date XXXX XXXX  Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date XXXXXXXX XXXX Date XXXX Date XXXX Amount XXXX {$380.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date XXXX Date XXXX Amount : {$1900.00} Status XXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXXXXXX XXXX XXXX Date XXXX Date XXXX Amount : {$22000.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX  Date XXXX Date XXXX Amount : {$500.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXXXXXX XXXX  Date XXXX Date XXXX Amount : {$310.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

My social security replacement card was sent to a XXXX XXXX XXXX XXXX XXXX but was never received. I had trouble filing my income tax return in XXXX  and my return was never received which may have been related to an identity fraud issue. My credit score seems to be unfairly low. I don't have a significant history of credit use. More recently I am getting suspicious SMS alerts from banks that I do not have an account open with to my knowledge. My mail was tampered with, a envelope sent from my mother was steamed open and a hand written note was stolen from the envelope. It's possible that I am being unfairly treated by employers who do a credit check because of fraudulent activity associated with my record, or social security number. To my knowledge, there is no reason why I should have bad credit. My credit should be ok. I might have to sue the credit borough to investigate if there are any false reports submitted. A false report about my conduct was submitted to the property manager of the apartment, causing the management to threaten eviction. It was a flat out lie. It's possible the social security administration was investigating me for fraud because at one point I was trying to work while still receiving benefits. If that's the case I feel like the person in charge of my SSD hearing may have violated my privacy illegally by allowing too many people to know my identity, location and that I was receiving benefits in XXXX XXXX of XXXX XXXX.