davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: ACS Education Services (TX)

So ACS who is Now operating As Conduent, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To ACS Now Conduent ) Phone number doesnt work. No Notification of new contact information. https : //www.conduenteducation.comXXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Richard Sokoloff, Attorney At Law (NY)

XX/XX/XXXX I recieved a notice from my Bank following my concerns about not receiving information about Richard Sokoloff taking money from my bank account. 

The notice, which at this point I don't think is legal refers to a previous bill mentioned in my first few claims against XXXX XXXX. 
The bill is recycled. I paid as mentioned in my claims {$200.00} for 8 months that is {$1600.00}. In an agreement to pay plan, XXXX XXXX was directly withdrawing {$200.00} from may bank account beginning in XX/XX/XXXX, he skipped XXXX for whatever reason, but I believe it's part of his strategy to get more money, again and again. Additional dates money was withdrew were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, He skipped XXXX, then picked up in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received a letter by mail from Richard Sokoloff office Attorney at Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The letter stated that my bank account was " restrained due to a bill from XXXX XXXXXXXX XXXX  XXXX in the amount of {$2.00}, XXXX. This was weeks after Richard Sokoloff had just taken a payment of XXXX on XXXX XXXX. At that point I had already paid {$1600.00}. 

In XX/XX/XXXX he sent a stipulation agreement and balance amount. XXXX XXXX requested that I sign two copies of the stipulation and that he would sign and return the 2nd one.I signed the stipulation although I was ailready paying before XXXX XXXX stopped obtaining payments and went straight for my bank account illegally. I never heard or received anything from XXXX XXXX since XX/XX/XXXX. 

Now XXXX XXXX show up again on XX/XX/XXXX to take {$5.00}, XXXX. XXXX from my bank account. Why does this office allow the consumers to continuously be violated. 

This is another claim to show how XXXX XXXX is manipulating me out of money in a criminalizing way. It shows how he uses this strategy to confuse me and many others. He is abusing his power and threatening my family wellbeing.
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX. 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all accounts listed and none could provide me with a copy of any clear and conspicuous agreement between me and them or the original creditor giving consent to third party information sharing. 15 U.S.C. 6802B 1 ( c ) states : I must be given an explanation of how the consumer can exercise my non disclosure option. 15 U.S.C. 6803A states : that at the time of the relationship the consumer shall be provided clear and conspicuous disclosure of options. I have yet to be provided evidence from any reporting bureau of any process to va
lidate any information furnished to them despite my requests for such.

15 U.S.C. 1681C ( a ) 5 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 aggregates 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 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (OK)

I've filed a dispute with First Digtial/Synovus credit card company. where I have been XXXX in the XXXX XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX XXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen a account from first digital/Synovus that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been XXXX  for the past XXXX  years in the XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this XXXX  would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2022-11-14
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: Shellpoint Partners, LLC (CA)

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. 

I submitted a letter to the XXXX and XXXX XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$23000.00}
Consumer complaint received 2022-09-21
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: Goal Structured Solutions, LLC (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.
Consumer complaint received 2022-11-16
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct 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
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

My husband and I got a consolidation loan to pay off credit cards and started a new checking account with the bank that loaned us the money. My husband went and and paid several cards but made a mistake by adding an extra 1 at the beginning of the account number because we didn't have that account number and he called the bank but accidentally wrote it down wrong. He discovered that he made a mistake after none of the payments cleared. So when the balance showed back up, he then immediately paid the cards he made the mistake on. He then paid them off. The first payments were made XX/XX/XXXX and just today, XX/XX/XXXX we received letters stating that they closed the accounts because we are high risk for payment. So we paid off {$20000.00} on three accounts, Sam 's Club, JC Penny 's and Lowes all with Synchrony Bank. I called Synchrony and they were indifferent and actually quite callus. Took no effort to look at what happen which would have shown we fully intended to make payments but just made a mistake which we corrected. So now my credit report is going to say they closed the account because I am high risk. That is totally unfair.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I was notified by XXXX XXXX XXXX XXXX that I was required to take my required minimum distribution on my IRA. I sent the RMD forms in ( see attached ) letter and required forms. XXXX XXXX informed me that the money was sent EFT to Truist Bank. After waiting the required time line of 3 days the money had not shown up in my account. I contacted Truist Bank and they informed me that they had not received the funds from XXXX XXXX XXXX stated to me and to Truist the money had been sent.After numerous calls to Truist this matter has not been resolved. Truist is standing by that they never received the money. It is though Truist is making know effort to tract this transaction. Please review and advise. 

Respectfully, XXXX XXXX @ XXXX email XXXX XXXX
Consumer complaint received 2022-09-07
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-27
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Key 2 Recovery, Inc. (VA)

key2recovery.com keeps calling me asking for my brother after I have told them numerous times I am not him and have told them numerous times to stop calling or I would report them for harassment. it's ridiculous they are calling my brother isn't even out of college yet and doesn't have to start paying on his XXXX  loans until XXXX and they are already trying to call him harassing me in doing so.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

Hello, I am a recent widow and on XX/XX/22 went to my local credit union to open up a money market account to deposit the life insurance check I received for my husband. Upon doing so I decided to have the bank also remove my deceased husband from my checking and savings account and put my daughters name on the account with me. 
The banker XXXX XXXX informed me that see could a SS check was deposited into my checking account on XX/XX/22, which is four days after my husband passed away. 
My daughter told XXXX that we called SS in early XXXX to notify them of the death and they told us that the checks run a month behind and that I would not be responsible for paying anything back to them. We also informed XXXX that I was not paid anything in XXXX and in XXXX started to receive my survivor benefits. XXXX told me that her back office said that it didn't matter when my husband died that the {$1800.00} needed to be returned to social security. She also said that I had money in my savings account so it shouldn't be that big of a deal while I wait for XXXX  to send me that money back. Again, my daughter told them that money should not be touched and we were going to call and verify again and come back. 
XXXX also mentioned that SS gives customers lots of misinformation so they did not tell us the correct information ; despite my daughter checking the XXXX  webpage and reading word from word that what I was told was correct ; I was entitled to the money deposited in XXXX. Needless to say I became very upset and my daughter again asked for the money not to be touched and escorted me out. 
We left the branch to call and also to go collect the letter I did get in the mail from the XXXX. Upon getting home I checked my account online and saw that the bank withdrew the {$1800.00}, despite my daughter asking them to hold off. My daughter called the branch and asked to speak with the manager, who we were told by XXXX that was not in, she then asked to speak to the Asst. Branch Manager, who XXXX also said was busy. He asked for our number and said she would call us back. 
We got a phone call from XXXX about five minutes later, who did apologize, however she said she was told to withdraw the money from the account, otherwise they were liable. 

My daughter told XXXX again, that XXXX confirmed that money was for the month of XXXX and that I was 100 % entitled to keep it. They said that the bank overstepped and should not be withdrawing any money from my account. They did not need any money returned and if they did, they would contact me directly. I asked XXXX to please put the money back in the account and she told me that could not. To have this money removed without my consent days after XXXX right before my mortgage and other large bills are due to be paid is incredibly stressful without disregard for the emotional toll this would inflict on me.
Consumer complaint received 2022-11-16
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)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX 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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NV)

MY DEBT WAS CHARGED OFF BY XX/XX/XXXX BANK OVER A YEAR AGO. 
They call me over XXXX times a day while am at work. I READ its againts the LAW for a collections company to try or collect money from me. That has been charged off by original creditor.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (FL)

On XX/XX/2022 I had signed up for autopay with M & T bank after receiving a popup urging me to do so. After doing so, the option to make a manual monthly payment had gone away, so I searched the page to make sure that my payment would still get drafted on time. I Received a letter from M & T about a month and a half later stating that my payments had not been made, and immediately made the payments. ( Including the incurred late fees ) By this time XXXX payments should have been automatically drafted. Today, XX/XX/2022 I reached out to M & T bank because I noticed that it had affected my XXXX XXXX severely. They had admitted that the Autopay was not working as it should have. I had let them know that my credit should not be affected by their faulty system. I had already payed the late fees, and had not asked to be reimbursed for them, just for my credit to be fixed. They stated that they had sent a uncertified letter stating the date that the autopay would take effect, and so they will not help me by fixing the credit reporting despite the fact that I had never received the letter in the mail, and even if I had, it still wouldn't change the fact that this was caused by a faulty system, However the banker I was speaking to stonewalled me and just continued stating that they were not going to help me. I have never been late on a payment for this or any of my other loans, and I feel like the only reason that they don't want to assist me with this is that they can not be bothered to clean up their own mess. This is the second time that I have gone through an issue like this. The last time They had dropped my insurance payments from my escrow without letting me know, which led to my homeowners policy being cancelled.