davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX we signed the contract with XXXX XXXX to have our sewer system done and the XXXX XXXX offer us a promotion to make installment payment without interest in 25 months with Synchrony Bank on our total loan is {$17000.00}. In the original contract there is no line for the 25 months term, so the technician name XXXX XXXX ( XXXX # XXXX ) crossed out the 605 code on the Promotion Offers and write down the new code of 930, he also crossed out 18 months and write the 25 months above with my initial signatures. We did call the Synchrony Bank to verify our term as well as the monthly payment amount we have to pay in 25 months is {$690.00}. And we will end the payment XX/XX/XXXX I've made payment on time from XX/XX/XXXX to recently. However, on XX/XX/XXXX, the bank suddenly charged us {$5800.00} Interest fee and also the XXXX interest of {$230.00} without any notice. We tried to contact the bank many time and at first they told us to talk with XXXX XXXX, when we called XXXX XXXX, they said they've send the contract to the bank and we - as a client- have to work directly with the bank. We kept calling them back many times and finally talk with the account manager, he told us to fax the copy of the contract to them. After we faxed to them and received a message that they was received the documentation. We called them back to check if they case was processed, but the teller kept told us to wait until 1 or 2 billing cycles. We just want them to confirm that they will correct the term all of them just refused to give us the answer. On XX/XX/XXXX, we called them back and assist to talk with case manager, and he told us that he didn't see the term 25 months on the document he had. I told him if he want us to refax it or how can we show him the correct term but he kept telling us that he didn't see it. I think the bank should have the original copy of the contract to compare with ours. We couldn't made it up, as well as if the term is 18 months, the monthly payment {$690.00} is not correct and make no sense. I'm so disappointed with they way Synchrony Bank works with customer and the way they deal with our problem.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

My phone was stolen, the person that has it was able to get into my phone and send themselves all of my money. I received a notification on my other phone saying that I sent someone with the number XXXX XXXX XXXX I canceled that and tried reaching out to my bank for help on why this was happening then it happened again so I canceled it and proceeded to reach out to my bank then it happened a third time but the third time it went through completely and I was unable to cancel it. It was all the money I had on in that account I would never send that much money to anyone. That phone had a lock on it so I assume the person who took it knew exactly what they were doing. My bank has denied my disputes and refuses to give me back my money. This was an unauthorized transfer. I just want my money back
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB (MD)

I applied for a one-time use charge card with Klarna, I was denied because of my credit history. 

This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school. 

I extended my credit to the company but received no benefit and no approval. 

This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it. 

I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.
Consumer complaint received 2023-07-15
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

I received 4 identical pre-recorded voicemail messages on my cell phone from an Unknown caller ID # XXXX on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. The recordings stated that they were from CBSA Collections and provided a callback number of XXXX. On XXXX XX/XX/XXXX, I contacted the Registered Agent for the company with a demand letter identifying myself, explaining that I do not owe CBSA nor any other debt collector, and sought damages for willful violation of the Telephone Consumer Protection Act as well as Section 305.053 of the Texas Business and Commerce Code. I communicated with their attorney on multiple occasions by email and phone attempting to negotiate a settlement and avoid a lawsuit. On XXXX XX/XX/XXXX, I notified their attorney by email that I would settle the matter for {$12000.00}. As of XXXX XXXX, I have still not received a response to either that email or a phone message which I left with their attorney on the morning of XXXX XXXX. On the afternoon of XXXX XXXX I filed a small claims case seeking statutory damages as stated above.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX XXXX  ( XXXX : XXXX ) * reporting on 1 report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX  XXXX ( XXXX ) *reporting on 1 report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX XXXX XXXXXXXX XXXX *Date open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX BANK OF XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2023-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I found out I have XXXX ( XXXX ) and contacted my mortgage company to find out my pay off price as I will be having alot of Hospital bills and I do not want to get behind in my house payments. They responded and I had to liquidate all my stocks to pay off house and money for bills. I sent them a cashiers check to pay off the house and they just called me and told me that they put my check into an Unsecured Fund instead of paying off my home. They are demanding I send in a house payment and late fees even tho they have the check to pay off house. Plus late fees. They are purposely. holding the check to extort more money from me and I can not spare another house payment my husband and I are on Social Security. Please help.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is COMENITYBANK with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$0.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

BRIDGECREST CREDIT COMPANY , LLC has not been able to verify this account and the credit bureaus XXXX and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-15
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: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX XXXX XXXX Resurgent receivable XXXX XXXX XXXX {$290.00} LVNV funding LLC {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX  15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (MD)

Dear MRS ASSOCIATES : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I was scammed by an individual through XXXX XXXX, sending them {$220.00}. I contacted my bank and reported a dispute on that same day. On XX/XX/XXXX, my bank, Capital One, denied my claim.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Account : XXXX XXXX Account # XXXX Is currently reporting late on my credit report starting from the month XX/XX/2023 to XX/XX/2023 which is INACCURATE. an I request that the late payments be IMMEDIATELY Removed an updated