davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account as " 30 days '' late. This resulted in XXXX XXXX credit score ( s ) dropping " XXXX '' credit score drop across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion XXXX 

On XX/XX/year>, XXXX XXXX XXXX XXXX reported XXXX XXXX account via Consumer Financial Protection Bureau website as THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. 

Your agency been provided proof XXXX XXXX credit scores initially dropped XXXX points In XX/XX/year> across all 3 credit bureaus : XXXX, XXXX XXXX and TransUnion due to incorrect credit reporting, by Select XXXX XXXX XXXX You have been provided proof Select Portfolio XXXX XXXX has corrected & updated XXXX XXXX account with the correct information stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. If your agency has reported no late payments listed for XX/XX/year>, from XXXX XXXX XXXX, XXXX XXXX credit score should be immediately restored & increased by XXXX points by your agency. 

Reducing XXXX XXXX XXXX XXXX ( XXXX ) by XXXX points based on incorrect information is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C . 1681 et seq. Any refusal to restore XXXX XXXX credit scores by the XXXX points your agency initially took from him in XXXX of XXXX ( based on incorrect information ) is illegal & a violation of his rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXX XXXX et seq. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided your agency proof via Consumer Financial Protection Bureau website they corrected XXXX XXXX account stating, THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. Thus, correcting their mistake in XX/XX/year>. 

Therefore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX credit score ( s ) should be immediately restored/increased XXXX points by all 3 credit bureaus : XXXX, XXXX, and TransUnion. The corrective actions by your agency should result in XXXX XXXX credit score ( s ) increasing by XXXX points and ranging from ( XXXX ) points respectively.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I received a letter in the from FCA, Fair Collections & Outsourcing. The letter was dated XX/XX/2021. The debt was for {$2300.00} for unpaid rent and fees for an apartment in XXXX, Indiana. I phoned the company on XX/XX/2021 and spoke with representative. I requested to speak with the manager. I explained to the representative that they have the wrong person. The representative insisted that I was not being truthful. She asked for my birthday and address. She looked at her screen only to see that the birthdays did not match. The next day, I phoned the apartment XXXX XXXX in XXXX as well as the property management company, XXXX XXXX in XXXX, Maryland. They apologized but this information is affecting my credit score. They say that they will fix it. Nothing has been done. I need this matter to be resolved immediately.
Consumer complaint received 2021-08-05
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. (GA)

In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2021-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

Was informed account closed due to returned payments. I did not do this. I do not recognize payment accounts added. The payment that was returned says this XX/XX/2021 - {$280.00} RETURNED E-PAYMENT posted XX/XX/2021 {$280.00} One-time Posted I want account reopened.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I made a payment on XXXX to pay balance in full ; however, despite balance posting on both my bank account and credit card ( both Capital One ), that there is a hold placed on my available credit ; however, again the payment has posted on both my bank ( on XXXX ) and credit card ( on XXXX ) statements. contacted representatives from both banking and credit card ( specifically Walmart card ) lines of business ; however, was advised by every representative I spoke to ( some were nice and trying to be helpful, others were super rude and condescending ), that there is a 10 day hold on my payment, which does not make sense and is unacceptable considering the payment has posted to both accounts. The company ( Capital One ) should grant access immediately to my available credit, as I have made the payment, and payment has posted both from my checking account and credit card statements.
Consumer complaint received 2021-08-05
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. (MI)

MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. DELETE. IT HAS BEEN OVER 30 DAYS. I WANT TO FILE A LAWSUIT AGAINST EXPERIAN.
Consumer complaint received 2021-08-05
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. (MI)

The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

Experian, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (NH)

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Consumer complaint received 2022-08-05
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. (AR)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX
Consumer complaint received 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

I asked on XX/XX/XXXX over the phone with NewRez to get three months forbearance due to COVID and recently being diagnosed with a XXXX XXXX XXXX and needing treatment thus having to stop working for 3-4 months. They told me I would have to call back in XXXX to get help with this. Ill be in XXXX XXXX XXXX in XXXX and would like to set up forbearance before.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

My name is XXXX XXXX XXXX. I own a XXXX Bank credit card. My problem today is that I have successfully paid off my credit card on XXXX separate occasions. On both occasions, the payments were cleared and posted successfully. I know this because both times I was allowed to continue using my credit card to make purchases and my balance was {$0.00} at the time of those purchases. This is important to know because my credit card limit is {$3000.00}. Both of my payments exceeded this amount. I called their customer service number and was told multiple times that my balance was zeroed out and that I wasn't carrying a balance. A few days after paying off my balance, my credit score took a dive, and when I logged in to check my balance. It had been reversed for the second time! I have receipts showing that both of my payments were successfully posted. 
SYNCHRONY BANK is not operating with integrity. If I pay off a balance then, that should be the end of the transaction. No bank should be able to reverse a payment that has been successfully posted. 

XXXX XXXX- A transaction that has been fully processed and completed. 

If my payments were POSTED successfully both times, then why were they reversed? 


Please closely review my attached documents. I will be including evidence as well as a letter with federal codes that SYNCHRONY BANK HAS VIOLATED. 

My GAP/SYNCHRONY BANK credit card balance is currently {$3500.00} as of XX/XX/2022. 

The dates of my successfully posted payments were : XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-12-17
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. (NY)

I have an business account for my medical office XXXX XXXX XXXX XXXX XXXX. in Chase bank. I wrote a check {$120.00} ( XXXX XXXX XXXX dollar XXXX/XXXX ) on XX/XX/2023 to XXXX XXXX  XXXX. Some one stole the check from post office and washed out the check, changed amount to $ XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and paid to XXXX XXXX XXXX XXXX 
Chase paid {$7600.00} to XXXX  XXXX XXXX client ( XXXX XXXX XXXX ). I made a complaint to chase bank, but not getting my money back. 
Chase informed me they are waiting for XXXX  XXXX XXXX to response in this matter.
Consumer complaint received 2021-08-02
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This will be our last request to see if Bank of America will negotiate the fees and charges as of statement date XX/XX/XXXX is now at {$58000.00}. 

The {$58000.00} is what we are asking to negotiate not the principal balance {$32000.00}, we agree this is owed not denying this but feel Bank of America is being unfair and not accepting any error on their part on this loan. 


1. We dont have any reconciliation of receiving notification from BOA when they took over the 2nd mortgage. 2. Does not show up on any credit report agency 's. 3. The Lien was never updated thru state/county property report Title agency 's. It still says XXXX XXXX/XXXX  XXXX. 

4. Did not start receiving monthly statements from BOA till XX/XX/XXXX, 1st time we tried to refiance thru XXXX XXXX XXXX. Found out there is a 2nd lien, took research for XXXX XXXX to find out whom owned it because they ( BOA ) never updated thru title agency 's. Thought this was included in our 1st mortgage company XXXX, they also thought they owned the entire loan from XXXX XXXX. Once figured we owned the {$32000.00} to BOA we tried to include this 2nd lien into the refiance loan but XXXX XXXX bank called for payoff but was told cant give payoff due to consumer is in pending bankruptcy status. So, XXXX XXXX or us could go further on this process till BOA gets the bankruptcy code status fixed. 

5. Did a loan modification per Bank of America request with our lawyer XXXX XXXX, was denied the modification loan process on XX/XX/XXXX. 

6. Hours of wasted calls with BOA, back and forth with different departments, some saying cant speak with us we have to talk to bankruptcy department and bankruptcy department was like we show it was discharged, this went on till Dates XX/XX/XXXX till XX/XX/XXXX when the Escalation team XXXX XXXX stated the pending bankruptcy code status has been fixed after I told her, her own BOA mortgage specialist XXXX was seeing the code. 

7. XX/XX/XXXX, Contacted a mortgage loan specialist with Bank of America XXXX XXXX, to see if we could consolidate both mortgages together, started the application for preapproval of {$170000.00} and once again, when called for payoff balance was told this loan is in pending bankruptcy status and cant move forward. 


We have been trying to work with Bank of America to start making payments or pay off this loan since XXXX but have been unacceptable and a frustrated and challenging to do this. 

Again, we don't deny the principle amount {$32000.00} but deny we owe the full amount of IPA of {$58000.00} of overdue payments, fees and charges. The total balance on this loan is now up to {$91000.00}. We feel BOA is part to blame and should take off the fees and or at least negotiate it with us. They had us in bankruptcy for over 15 years when this was discharged in XXXX of XXXX and this is public record. 


XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (FL)

This complaint is regarding deceptive debt collection practices committed by : XXXX XXXX Mountain Run Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Acting on behalf of a debt purchased from : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX On XX/XX/XXXX, I contacted MrXXXX XXXX to dispute the amount of the debt. They are claiming I owe {$580.00}. 

On XX/XX/XXXX, Mountain Run contacted me by text message from mobile number XXXX regarding the debt. 

I replied back on XX/XX/XXXX that I was disputing the amount due, but that I would offer {$250.00} to settle the debt IN FULL and consider the matter closed. 

They accepted the offer. They replied " Perfect. Give us a call and I'll approve the payment. '' They emailed me a payment link. I made payment for the agreed-upon {$250.00} on XX/XX/XXXX. 

XXXX then contacted me back on XX/XX/XXXX informing me that the offer was only eligible for that same day ( XX/XX/XXXX ). He made NO indication that the offer was contingent upon same-day payment. 

This is clearly a deceptive debt collection practice. I emailed them back several times, but they have not responded. I have given them ample opportunity to correct this before complaining to the appropriate consumer protection agencies. 

DESIRED RESOLUTION : I made the agreed-upon payment of {$250.00}. I want my account closed in full and the appropriate credit reporting agencies contacted so that this debt is removed from my credit report. 

I would like this information posted to consumerfinance.gov so that others may be warned about this company and their deceptive practices. Thank you.
Consumer complaint received 2023-05-26
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. (LA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, I opened a Checking Account with Citi Bank to avail of their promo that would earn me XXXX miles as long as I fulfill all the required activites and maintain my minimum balance in 90 days. I had a list and made sure to fulfill all the requirements. When I made a follow up on the miles I earned, I was told that there was a mistake on how I used my account to make the bill payments that was part of the required activities. They said it was not how I was supposed to do it. I feel like these promos are put in place to lure consumers into opening an account with them only to be disqualifies later on based on these technicalities. I did my homework and made sure I did every single thing on the list. Now I need them to hold their end pf the bargain and award me the miles I was promised. I work hard for the money I entrusted them and I deserve those miles that I earned.
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (OK)

I have attempted, to have remove from my Experian credit profile a collection account that is not mine, the Company XXXX XXXX XXXX has no contract with me or my signature with such. I have repeatedly requested for this to be removed. They state they purchased a Account from XXXX home XXXX that is mine XXXX has been sued by the FTC for ghost accounts where their employees opened fraudulent accounts. I have as stated requested a contract from XXXX XXXX XXXX between myself and them and they have not provided such as stated earlier. If they did in fact pay off an Account the account is paid and they have no right to attempt to collect this disputed debt they have done nothing but continually verify but not proven with a contract they are pursuing a fraudlent debt not owed by me from a company that has been closed for over 7 years they have violated their right to legally operate and have gone against the standards set forth by the FTC in regards to their operations. They also have not reported this as a Disputed account which they were informed I do not owe them or XXXX any monies and Experian should report the account accurately or be fined please help thank you