davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (SC)

After logging in online on XXXX/XXXX/2016 and previous being logged in online through my account on XXXX/XXXX/2016 I noticed that Amazon Credit Card ( Synchrony Bank ) had lowered my credit limit from {$600.00} to {$100.00}. Which is very funny seeing that I just had their card security make a payment to pay the prior balance of over {$700.00} as a debt cancellation just two days before and that posted on XX/XX/XXXX. Well on XX/XX/XXXX even though the statement generated on XX/XX/XXXX shows available of {$100.00}, it still showed I had an available credit limit of {$600.00} and - balance on my account. Well when I woke up on Sunday to make a purchase I noticed I only had a {$100.00} limit I immediately called them and spoke to a manager who informed me the reason that my account limit was lowered was because of the claim being filed and the account being paid off by card security. I asked her again how is that fair that something that is there to protect someone 's credit causes them to have negative effects on the credit when they use it. She then changed her story stating that the limit was lowered because after the payment a new credit report was pulled and that the decision was based on factors that were obtained from that report and that this is something that Synchrony randomly does but has never done in the time I have had the account and also they have pulled my credit prior to XX/XX/XXXX because I had tried to get a credit increase and it was denied because of credit at that time, so that theory of randomly being selected should be knocked off the list of why my account was lowered. This is the company 's attempt to fault customers when they use the card protection on the accounts they have with Synchrony Bank and they are using excuses of random credit report checks, or your pay history ( which before the event happened was paid every month ) to justify lowering a customers credit after they use the account security and something should be done about this because if you research it online there are XXXX 's of other customers this has happened to after using card security and they continue to get away with this.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Services send a collection latters to my soon to be ex husband with his name using false pretense. my ex calls the company to dispute the charges they gave him out all my info and continued to call him everyday threaten him by telling him they will mark he 's credit if he does n't pay my medial bill. ..ex calls me and says will sew me if company marks his credit and continues to call him. I call company and requested they only call me they refuse to do so. I explain the only reason I stop making payments was because I lost my job and told them im not refusing to speek with them I tried to negotiate and settle the account and they refuse to they said they can only take full amount no payment options. ..
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach, AND as a result of my ex-wife, XXXX XXXX, using my information during our marriage unbeknownst to me. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously AND PERMANENTLY or I will be suing.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public during the XXXX, XXXX, and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and PERMANENTLY.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-01-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nations Recovery Center (NC)

On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a " settlement '' of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the " offer '' my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!!
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: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit and purchase a home for me and my family.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 
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 has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (FL)

On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX Al XXXX place a false collection account of {$440.00} on my XXXX, XXXX and XXXX XXXX, this was disputed and removed under The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq.. 

On XX/XX/year> Credence Resource Management of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX placed the same false account of {$440.00} on my credit files again. 

I have never opened or had any account with any of the companies listed above.

This is a clear violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

This is to serve notice to the two companies and 3 credit bureaus whose false report on my credit file has lead to damage to my creditworthiness when applying for credit. 

I need these false accounts deleted off my credit profiles on all XXXX bureaus.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2015-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IN)

On XXXX, I requested a loan payoff from Seterus Inc, through their website, which states it will go in my secure inbox within 3 days. They have now taken the three days comment down due to my complaints, so I guess we get it, when we get it now. Anyway, I talked to XXXX on Thursday because it was not there. XXXX informed me that was a mistake and it takes 7-10 business days. She was rude as well, so I complained to the FDIC and called back because think about this, how much money does Seterus make by putting off giving those payoffs in a timely manner based on people 's daily rates? Mutliply all the other customers they do that to. They told my lender they get XXXX requestsa month. That is a lot of sonsuer money. I got XXXX the next time, who lied and said I did n't request the buyout until Monday the XXXX, but she would see that I should get it by Friday morning. I still had nothing, so I spoke with XXXX who saw my original request and she would see if she could expedite it at another 1-3 business days. I got the request later that afternoon. Here it is- XXXX , XXXX XXXX PAYOFF STATEMENT IS SUBJECT TO FINAL VERIFICATIONNext Due Date of Payment : Interest Rate : Current Principal Balance : Unpaid Interest to XXXX XXXX, 2015 : Escrow Overdraft : Interest Arrearage : Escrow Arrearage : XXXX XXXX, 20153.99000 % {$320000.00} ( Future XXXX bill for taxes ) XXXX Open Charges Through XXXX XXXX, 2015 : LATE CHARGES : XXXX Additional Charges Through XXXX XXXX, 2015 : Homeowners Insurance : XXXX ( Homewoners Insurance due in XXXX ) Prepayment Charge : XXXX Suspense : XXXX Expense Credit : XXXX Amount Secured by the Mortgage or Deed of Trust : $ XXXX Cost to Release Documents : XXXX Estimated Payoff amount due as of XXXX XXXX, 2015 $ XXXX payoff statement expires on XXXX XXXX, 2015. 
If you have any questions, please contact us at our toll-free number below. 
Sincerely, Seterus , Inc . 
XXXX notice all the extras like my tax bill, which is n't due until XXXX and my insurance, which is n't due until XXXX. You also include the daily interest and the late payment, which would n't be late if I had gotten the payoff. Now bear with me, I had torequest it again. Are they going to do the same thing where I can never leave them due to poor payoffs? What underwriter can use this? Plus, it appears that if they try to inflate my buyout, it will make it harder to refinance through the XXXX XXXX is a XXXX veteran. Both of us are on the loan. If I am having to leave XXXX in escrow with XXXX bank and paying XXXX for the same for future escrow, that is XXXX in escrow during the transaction for the refinance.
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: EQUIFAX, INC. (MT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.