davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

I emailed a debt validation letter to Synchrony Bank on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX  and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from XXXX after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with XXXX and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on XXXX is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as Synchrony and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and XXXX show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if XXXX show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to XXXX. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on XXXX  file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure Synchrony Bank you are going to say you are reporting correctly but XXXX credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from XXXX that validates this Inaccurate reporting. I want this account deleted from my XXXX, XXXX and XXXX. I have had several disputes with XXXX as recent as XX/XX/XXXX that information is being reported inaccurate based on the information from Synchrony Bank and XXXX credit file. I am not sure how Synchrony Bank validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from XXXX, XXXX and XXXX Inaacurate reporting.
Consumer complaint received 2017-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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 2017-12-17
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)

XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been overseas and noticed a charge that I do n't recognise on my BoA Credit Card and I have not used the cards in over 6 months. 


It is from XXXX XXXX and the amount is {$1600.00} and I have attached a statement for your reference. 

I have called the XXXX XXXX XXXX XXXX and no one has bothered to help me.
Consumer complaint received 2017-12-07
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: National Credit Systems,Inc. (TX)

I first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report
Consumer complaint received 2017-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed this charge before with XXXX XXXX XXXX and it was removed years ago. They tried to charge me an erroneous shipping charge on items that were returned and shipped with incorrect sizes. It now has suddenly shown up as a collection on my credit report.
Consumer complaint received 2017-12-07
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: First Data Corporation (TX)

To whom it may concern, I am bringing this attention to your office regarding an open account # XXXX from XXXX XXXX that I strongly believe was a fraudulent account under my name. The letter content my name and informing me that I open an account and has been upgraded to premier account. 

I tried to contact the customer service but it prompt to enter my social security number so I decided not pursue it. I never sign for the company. I found out that there so many people that filed a complaint against this company. 
The company named is XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Thank you for immediate attention regarding this matter. Should you have any questions, feel free to contact me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-07
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: BB&T CORPORATION (TX)

I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 days
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Placed calls to Experian, XXXX and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
Consumer complaint received 2017-12-17
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: Colony Brands, Inc. (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

Cancellation benefit not as advertised. Matter of fact, judging from the response to the claim, no claim will be honored. Thus the " benefit '' is a scam and a perfect example of false advertising. My complaint is, according to this letter and an e-mail from the insurance companies general council 's office, there will rarely, or ever, be a claim that is covered. Therefore, my complaint that the benefit is a scam still stands and is unanswered. The public should not be subject to this type of hyperbolic scam. False advertising is also apparent.
Consumer complaint received 2017-12-07
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. (TN)

XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.
Consumer complaint received 2017-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of  the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.
Consumer complaint received 2017-12-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

In complaint XXXX XXXX XXXX XXXX failed to properly represent my flawed transaction with XXXX XXXX. The merchant misrepresented the equipment being ordered. There was no visual confirmation of the model in question. The equipment ordered by the inexperienced clerk was wrong. The signed receipt of order does not include a description of the item. When it arrived at the store the service manager told us it was the wrong unit. I do not pay for merchant error. I went out of my way and arranged for the equipment to be returned but the merchant was uncooperative. I will not pay for this type of customer service and told the bank at the time not to pay the merchant. XXXX XXXX gave the money away against my objection. I hold XXXX 's responsible for poor judgement. Note in their letter of reply they fail to report these details. This case is also under litigation.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I owe just a little over 2000 to capital one. I was making payments and the amount just kept going up drastically. I had to let it go default and charge off because I could n't pay thousands for only spending around 1500. I then made a agreement for around 1300 with capital one and they never withdrew my money even after attempting to make payments. They are now sueing me in XXXX county georgia where I live. I only found out of this by letters from lots of differant lawyers trying to get me to file bankruptcy. I spoke with capital one hired lawyers it 's called winters and something. I made a arrangement to pay with them. I told them I would pay XXXX right now and that was last week. They were very nice to me on the phone and said they would have a letters at my house this past Monday for me to sign showing the judge I did have intent to care for this matter. I have yet to receive any letter or have any funds taken from my account. I did give them my account and routing number to make the payment. I have tried everything I possibly could have to care for this situation and I feel like I am being taken advantage of. I did tell them I was a veteran and right away everything changed with the lawyers same with capital one. I just want to be able to pay what I owe and not end up in jail over a debt. Please contact me at XXXX my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX ga XXXX
Consumer complaint received 2017-12-06
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)

I have several inquiries on my credit report that are not, and were not made by me, I have been a victim of identity fraud and I have an alert on my report to notify me if someone tries to open an account, and I talked with someone at the department store and company to have removed.but they said because of alert account wasnt open so no problem. But its a problem for me. The inquiries are listed below. 
XXXX XXXX/XXXX/XXXX, XXXX & XXXX. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, ( twice ) same day.
And theses inquiries are hurting me.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

JP MORGAN CHASE Falsified documents sent foreclosure notices before I was even behind on payments. I contacted them repeatedly to get an accounting of the mortgage they sent modifications and proceeded with a foreclosure stating they complied with the RPAPL was sent before I was even behind in payments this is where the confusion started. In the 4yrs before the sale I repeatedly tried to work with JP Morgan Chase but the stated repeatedly they sent documentation and modifications which were returned but they claimed not to have received. 
They then stated they were no longer the servicer that we had to contact the new servicer. Yet the foreclosure documents only listed JP Morgan Chase and upon JP Morgan Chase own admission in a letter they had an interest in my home until XX/XX/XXXX 

They pushed for the foreclosure claiming they were not dual tracking when in fact they were since they had interest until XX/XX/XXXX. They held interest in my home until they knew they would be able to obtain it for {$500.00} WHICH IS WHAT THE REFEREE SOLD IT TO THEM FOR. 

No one addresses this fact?? That JP Morgan Chase received Billions of dollars to help with the mortgage fraud MY TAX DOLLARS so they can turn around and purchase my home for {$500.00}. JP Morgan Chase did not even have the original mortgage papers when I requested them, all they have are copies from XXXX County Court. 

JP Morgan Chase and their attorney 's swear to the accuracy of the documents which contain many inaccuracies. I have found that JP Morgan Chase with the help of XXXX XXXX and XXXX has done this to many people. 

I have attached a payment schedule where you can see XX/XX/XXXX payment was made in XX/XX/XXXX and they put it in suspense so they could begin foreclosure I am in the process of contacting every JP Morgan Chase foreclosure customer in XXXX County for the past 6yrs to  obtain the proof of the widespread consistent fraud they have perpertrated and how many homes they have STOLEN FOR {$50000.00}. Once I am done with XXXX County I am going to contact people in the 5 boroughs and numerous other counties in New York. 

Since I am being EVICTED from my home on XX/XX/XXXX due to this fraud I will have nothing but time to research this consistent fraud.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I was admitted to XXXX XXXX earlier this year for shortness of breath. I am on XXXX and XXXX Supplement Insurance so I provided my cards expecting to have everything fully covered. Many tests were run, xray, scans, blood tests etc. I was released later that same day. Weeks later copies of the bills came through with everything seemed to have been paid, but the billing is confusing as every charge is split into components to match arbitrary rules on billing by the government and insurance companies. I also received bills from various departments. It turns out one bill was not consolidated with the others by the hospital and they charged me separately. I spoke to the hospital and they said they would resubmit. Next got a collection notice from XXXX XXXX syste that they plan to send my account to collections. I called and explained that my insurance should have covered it all and they ask me to send a copy of my insurance cards and they would resubmit. I sent photos of the cards XX/XX/XXXX. XX/XX/XXXX notice from XXXX that my credit score dropped 40 points because XXXX XXXX XXXX has reported collections. I called ask why I was not notified by mail or email and they said they did not have to. Demanded I pay first and then they will try again. They claim they can not see the attached photos in my last email. I paid them to get my credit score back. Their web site has a consumer site that is not operative. My complaint is why is the consumer put in a position of defending their position. XXXX XXXX should have done a better job with the paperwork and never have partnered with an unprofessional company as XXXX XXXX XXXX for collections when the hospital was at fault and XXXX follow up was not professional and lack of results was due to their own inadequate equipment. I used iphone photos, and also scan from Brother copier.
Consumer complaint received 2017-12-16
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: EQUIFAX, INC. (IL)

XX/XX/XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Bankruptcy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. And XXXX has never been late