davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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. (CA)

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2500.00} Amount {$2500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-04
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. (NJ)

THIS IS A FOLLOW UP ON CLOSED CASE # XXXX I AM OUTRAGED AND DEMANDING A REINVESTIGATION. XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my credit report without me authorizing their organization to view my credit history. This is a violation of Federal Law. XXXX is knowingly reporting false information to Transunion. This inquiry is NOT MINE, nor was it authorized by me, and XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws, Violation of the Fair Credit Reporting Act and Defamation of Character. I am disputing this inquiry, through both the CFPB and the NJ Attorney Generals Office. I've asked for verification, they failed to supply verification. This inquiry is negatively affecting my credit report and score due to this company 's false reporting. I contacted XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. what XXXX submitted do not constitute verification under the federal law or FCRA.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied for a CreditCare account ( Synchrony Bank, XXXX FL ), to pay for an elective eye procedure for my daughter ; made sense to pay over time interest free ( I always do this for large purchases and always pay within interest free period ). 

The application process was online and I was pre-approved immediately! ( credit score is and has always been exceptional current XXXX XXXX score XXXX ), but XXXX uses a third party identity verification service that requires uploading a copy of your drivers license with readable barcode. Ive had to do this with other identity verification processes and never had a problem but I could not get it to work with XXXX third party service. 

So, I called them to resolve the issue and they absolutely refused to work with me in any way, shape or form. I even asked to be elevated to a supervisor also refused to offer any alternatives to resolving the matter. I am certainly sensitive to the issue of identity theft but a major financial institution like XXXX should have alternatives to resolve such issues again, credit score of XXXX I could easily provide a federal employee ID, military retiree ID, birth certificate, US Passport, etc for them to confirm my identitybut they made no attempt or offer to resolve the matter. 

This company ( XXXX, Synchrony Bank ) should must be a pretty incompetent financial business to make no effort to resolve an issue with someone with my credit score makes me wonder if they are not running some sort of scam that prefers people who cant or dont pay because they can then get some sort of government tax or insurance scam.
Consumer complaint received 2023-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

Hello Sir/Madame, I have received two bad debts send to collection and they're reflecting negatively on my credit report showing under XXXX from ; XXXX XXXX XXXX for XXXX which I recognize after speaking with the collection company but I never received this bill only to find it on my credit report. 
The second bill reported on my credit report under XXXX is from ; XXXX XXXX XXXX XXXX XXXX which I don't recognize even after speaking with the collection company. I have never visited or been admitted at that location since I live in Pennsylvania not New Jersey. I have spoken the collection company regarding this issue and I will really appreciate if you can look into it. 
Thanks, XXXX XXXX
Consumer complaint received 2022-07-29
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to XXXX and TransUnion credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX : 1. DPT ED/XXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DOE XXXX XXXX Balance : {$0.00} 10. DOE XXXX XXXX Balance : {$0.00} TransUnion : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT ED/XXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT ED/XXXX  XXXX Balance : {$0.00} 5. DPT ED/XXXX XXXX Balance : {$0.00} 6. DPT ED/XXXX XXXXXXXX Balance : {$0.00} 7. DPT ED/XXXX XXXXXXXX Balance : {$0.00} 8. DPT ED/XXXX  XXXX Balance : {$0.00} 9. DPT ED/XXXX  XXXX Balance : {$0.00} 10. DPT ED/XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-10-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

By XX/XX/2019, we signed a contract for 3 month to rent an apartment in the apartment complex named as XXXX XXXX, located in XXXX XXXX, managed by XXXX XXXX XXXX, we was paying XXXX monthly for 2 month, we was working for XXXX, but we lost our jobs because with the covid 19 the company was really affected, we wasn't able to keep making payments and we left the apartment, we wasn't able to pay the last month that suppose to be XXXX. We received a debt collector notice for an amount of over XXXX, we make a payment plan that in the middle of the covid 19 crisis allow us to pay more than XXXX of that debt, but our economic was really affected and we wasn't able to keep making payments and basically that amount is over what we suppose to paid, that's why i considered this account was satisfied and the amount that was reported was wrong, if someone check my accounts this is the only debt collection account that i have, i don't have the best credit score but i am a responsible person.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

I have a store credit credit card with XXXX issued by Comenity Bank, I have just realized that since XX/XX/2022 they have failed to report my account to the 3 reporting agencies. My account has shown since XXXX of carrying a balance of {$460.00} giving me a 91 % utilization rate on this account when I am at a {$0.00} balance, this has affected my score. 

I have contacted the issuer with no assistance provided.
Consumer complaint received 2023-03-07
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. (AZ)

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. 

XXXX XXXX XXXX # XXXX XXXX XXXXAccount # XXXXXXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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 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 2023-01-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

I have been trying to find a way to settle my mortgage account with the current servicer, Real Time Resolutions. They have denied my attempts and failed to provide me with information on my account in regard to current monthly payment amounts, late charges and fees assessed each month and the full history of my account information. I have submitted requests in writing asking for these details but have not received them. On XX/XX/XXXX, I asked about repayment plans and loan modifications but was advised by a telephone representative that these were not offered. I also offered lump sums on XXXX different occasions to settle the debt but was denied both times. In XX/XX/XXXX, I offered a lump sum of {$14000.00}. In XXXX of XXXX, I offered a lump sum {$30000.00}. Both amounts were denied by Real Time Resolutions. On XX/XX/XXXX, I sent Real Time Resolutions a " Qualified Written Request '' via certified mail. They responded but failed to answer crucial questions and provide documentation of monthly payment amounts, late fees, interest charges, and loan balance amounts from the time they acquired the account until present. On XX/XX/XXXX, I emailed them a letter requesting a breakdown of the late fees and charges that are applied to my account on a monthly basis. They responded but again, failed to show a breakdown of their fees and failed to provide documentation of my account from the time they acquired it, until present. 

I have made phone calls, written letters, sent emails and offered lump sums as attempts to settle this account and to find missing information that is not being provided. These attempts have all been denied or ignored. On XX/XX/XXXX, requested for the investor to review the account, however I never heard back.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2022-05-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC (CA)

The Pacific Retrieval LLC sent me a notice in the mail stating that I own money to a towing yard on a vehicle I do not own. They stated that I did not file a XXXX  when I did and contacted the DMV to verify which they did. I sent the debt company my copy of the XXXX they saiid they would not except it and they would then be taking legal action and that I did not know the laws. My wife talked with they lady and she said that my wife was trying to pull a fast one on them and that they do not play games. The lady was extremely rude and when I asked to speak with someone else she just left me on hold. I then called the DMV again and they told me that the company was only trying to get the money and that the car is registered to someone else and to complain about the harassment.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CT)

On XX/XX/XXXX, my wife paid her car loan from our joint account with M & T Bank, which recently bought out our bank her in Connecticut ( Peoples United Bank ). She used the new bill pay app from M & T. The old app added the decimal point to the left of the last two digits input, the M & T app added the decimal point at the end of the digits input. This caused an overpayment to XXXX our loan company of {$57000.00} on a payment that should have been {$570.00}. 

M & T bank never notified us of the overdraft, and we didn't learn of it until receiving the title to the car in the mail. 

We immediately went to the bank on XX/XX/2022 to have the charge reversed and they claimed there was nothing they could do as it was an ACH transaction and we would have to talk to XXXX to get our money back. According to ACH rules, a reversal is allowed because there was an error in the dollar amount. ( ACH Rules Quick Guide ), as long as the bank is notified by the fifth business day after the transaction. We asked for the reversal on the fifth day in person at the bank, therefore there should have been no reason for not reversing the payment. 

I suspect that due to the number of problems they have had with the buy out of our bank and the substantial number of errors they have made, that they told us there was nothing they could do in order to keep their percentage of ACH reversals under the threshold for scrutiny. This may or may not be true, but certainly fits the facts of this case.
Consumer complaint received 2022-10-03
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. (CA)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (WA)

On XX/XX/23 I received an alert from XXXX that a major derogatory mark had been made on my credit report with XXXX by Central Portfolio Control for an account I was not aware of. After checking the other two bureaus, I saw that the same mark had been made on my XXXX report as well. I have not received any contact by this debt collection agency by phone, email, or mail with regard to an outstanding debt. It is my understanding that before a debt collector can report a debt to a credit reporting company, the debt collector has to either speak with me in person or over the phone about the debt, mail me a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send me an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. I have not received any such communication, and yet the debt has been reported to two major credit bureaus and negatively impacted my credit score. I was not provided any information about what the debt is, verification that it belongs to me and hasn't been paid off, or info on how to dispute it.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have been trying since XX/XX/2022 to get my minor son 's credit file frozen. The first time, I received no response from the company at all. I have called them for assistance at least XXXX times. I have faxed in all documentation at least XXXX times. And I have mailed them all documents at least once ( I think actually twice ). I have also faxed them explaining the situation and asking for someone to call me back and have received no response. The past XXXX times I have only received a form letter asking me to submit all of the information again. 

In summary- Equifax can not answer any questions about my son 's file over the phone. They send form letters asking for information already submitted multiple times and say that no one can call me back to explain the issue. The last person I talked to over the phone said that possibly one of my documents was illegible, but this would be the fourth, if not fifth, time that I have sent all of the information in. I am quite frankly not wanting to expose my son to identity theft by stolen mail by AGAIN sending copies of his SSN, etc. into them. This whole issue was started by social security information about my other child stolen from our mail route. And now Equifax refuses to place a freeze to protect my son 's identity or credit.