davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX should not be reporting late to Equifax ; XXXX  and XXXX  on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (SC)

I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

I had credit card account with XXXX XXXX XXXX XXXX. I had to pay Synchrony bank each time I made a card payment, in other words credit was extended to me thru Synchrony bank. I got behind with my payments and called Synchrony to make a settlement offer they agreed with me paying them {$500.00} which would have settle everything, I asked them to send me papers stating the amount we agreed on or email it to me. I never received anything from them. When I called them to make a settlement I gave them my debit card number and told them to take {$250.00} that same day which was on XX/XX/2021 and another {$250.00} on XX/XX/2021 they did both time. When I called them on XX/XX/2021 to see if they had gotten the money, the call went to XXXX and the that person said that they had gotten a payment of {$26.00} and that I owed {$620.00} and she hung up on me. I called them back it was also XXXX and I was told that yes they had received the money and she hung up on me too. I called back and got a busy signal. All I want is for Synchrony to verify my payment to them and me know that I paid them off and how much was agreed on. I do online Banking with XXXX  XXXX XXXX, so I have proof of payment to Synchrony Bank. They want to say I'm irresponsible, but what does this say about Synchrony Bank.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CT)

We have recently been informed that the investor/owner of our mortgage ( investor ) made the decision to apply the amount we have overpaid to our principal balance instead of refunding it as our escrow account surplus. It was told to us that the investor has the right to do whatever they wish with the money that was paid to XXXX XXXX XXXX ( XXXX ) during our mortgage modification trial plan ( modification trial ). Upon review of the paperwork supplied with our modification trial we discovered that the amounts paid ( approximately {$10000.00} total ) were actually required to be applied to the oldest owed mortgage payments but the money was not. Nowhere in our paperwork does it indicate the investor has the right to do anything except apply it to the oldest owed mortgage payments. Instead the money was applied to our escrow account by the investor when we did not move forward with the final mortgage modification. As the money was in our escrow account at the time we became current on our mortgage we are owed that money as an escrow surplus. In a XX/XX/2018 telephone conversation we were assured by the investors representative that we would be paid any escrow account surplus at the time we became current on our mortgage, which happened XX/XX/2018. We made financial decisions based on that representation and the escrow analysis letter we received. Or conversely if the payments had been applied to our oldest owed mortgage payment we would have not had to pay nearly {$10000.00} additional funds to bring our mortgage current placing a serious financial burden on us.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBA of GA, Inc. (GA)

CBA of GA sent me a letter about a debt that was not mine. It was for utility services at a previous address more than a year after I had moved and purchased my current home. I sent them a dispute letter and documentation. They sent the same bill back. I called them and was told " We don't care if it's you or not it's going on your credit. '' I contacted the utility directly and provided the documentation that proved it was not my service. The utility company zero 'd the account. Not only did CBA of GA not provide the information requested and validate the date, but then they also put on my credit report across all three organizations that I had an installment account with them and owe {$0.00}. I have never had an installment account with them and obviously never owed them anything. They have refused to remove or talk to me about the account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC. (OH)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2023-11-23
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. (FL)

My credit report lists a collection account reported by XXXX XXXX for {$1400.00} with an Original Creditor Name XXXX XXXX XXXX. I never heard of XXXX XXXX and I never had any contact with XXXX XXXX nor XXXX XXXX. This is not my account and it must be someone elses. Kindly permanently delete this account from my credit report and immediately and permanently mark the account as Disputed By Consumer as required by the FCRA and FDCPA.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

XXXX is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from Chase confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX  are both reporting this accurately but XXXX continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what XXXX is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROM WHAT I AM ASSUMING IS A 3RD  PARTY THAT PURCHASED THE LOAN FROM XXXX XXXX AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX EQUIFAX/ XXXX  AND NOE  OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (WA)

I have three transfers initiated from my key2benefits card that I never received. One on XX/XX/XXXX for {$200.00}, one on XX/XX/XXXX for {$470.00} and one on XX/XX/XXXX for {$500.00}. After the first wasnt received a filed a fraud complaint ( which was what I was instructed to do ) and they rejected it stating the funds had been delivered. My receiving bank has zero record of these 3 transactions. I have since followed up and been put on hold for very long periods of time just to get told they cant help me and dont have any way to track the money.
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CT)

I have received the same amount of payment for editing services from the same sender for several months. The first payment in XXXX was held for 21 days to make sure it wasn't a problem even though the sender approved it. Three payments have come in since then without a problem.

Another payment came in this morning from the same person for the same amount. Now, Paypal is holding the payment, saying that it is an " unusual transaction '' when it is the same amount and same sender that has been sent in the past, multiple times, without incident.

This is a blatantly false representation about the regularity of the payments and the sender. Moreover, Paypal won't allow the sender to approve the payment and confirm that she has received the services. It isn't even a possibility until 48 hours past the time she sent the money and then I must wait several days after that. 

If the transaction was truly unusual, I can see some justification for holding it, but it is so regular that they should almost come to expect these payments from this person. 

I tried to speak with a supervisor on the phone but nothing. I wrote an email to the General Counsel and received no response. All I want is the money I earned rightfully.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " charged off account '' and incorrect balance ] I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (RI)

I am currently being XXXX  by a woman named XXXX  from Tek Collect her number is XXXX. She said my wife XXXX XXXX owes her old XXXX  Dr XXXX XXXX XXXX of XXXX  Rhode Island {$660.00} plus fees. I explained we do not owe that. This XXXX  has already stolen {$24000.00} cash from us. Let me explain My wife needed a XXXX  XXXX  we had a great XXXX  pull the remainder of her XXXX XXXX and put XXXX  in. All Dr XXXX  did is have a XXXX  made and screwed that XXXX  to the XXXX. He told us he only does the best XXXX made of solid porcelain it is hard so it will last 30 years. It is however expensive because it takes a long time to make and is hard to cut and drill. So as he requested I paid him {$25000.00} out of pocket upfront only to later find out he put in a cheap acrylic XXXX  that only lasts 7 years which all other XXXX  charge {$2000.00} for. Then to make matters even worse the XXXX  was defective costing me an additional {$1600.00} to replace that broken screw that the defective XXXX  kept breaking on the XXXX. The technician explained it like this. The back of the XXXX  was not touching the XXXX  so my wife would bite down and the XXXX would go down acting like a lever breaking that same screw each year. Right now he has taken {$26000.00} from me for this {$2000.00} XXXX, for a full XXXX. To fix the XXXX  he had the technician cut off the XXXX XXXX. So now I tell XXXX  I paid for a full XXXX  and he only gave us a partial XXXX  he owes me money. She said well I will tell him you dispute this charge but he says you owe it, if he says you owe it, then you owe it. since you said you will not pay it we will ruin your credit. It will remain ruined, the only way to get your credit back is to pay us directly in full. We will be mailing you a letter explaining your credit problem and how there is only way for you to fix it.XXXXXX/XX/XXXX he put the XXXX  in. XX/XX/XXXX he replaced a broken screw cost {$260.00}. In XXXX I paid {$660.00} for a broken screw. In XXXX another {$660.00} for same broken screw. XX/XX/XXXX he replaced the screw and cut the XXXX XXXX  off he sent me a bill for {$660.00} that is what I told XXXX I do not owe because that expense was incurred because of a defective XXXX. 

Attached please see XXXX of defective XXXX  before and after he cut the XXXX XXXX. Also attached most of the payments I made to this XXXX  including the disputed bill from XX/XX/XXXX showing he replaced a screw again. 

XXXX  license number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Rhode Island XXXX XXXX XXXX is XXXX years old
Consumer complaint received 2021-02-01
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. (FL)

I do not know these inquiries in my profile. I have never gave anybody permission for these inquires and I have never authorized something like this. I do not know the origins of them but this is error in my credit report. I am a victim of identity theft so please I ask you to delete them from my profile asap.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (TX)

XX/XX/2020 I cancelled my credit card with FIRST PROGRESS CREDIT CARD. The Credit Company continued charging unauthorized usage charges to me made by XXXX XXXX. 
These charges began in XX/XX/2020 to XXXX 2020.I contacted XXXX myself and originally closed the first charge, but they continued. 
I have copies of faxes and also to their Bank involved. FIRST PROGRESS continues to. report all of my account as continued and past due. These reports to the Credit Bureaus are bad. 
I have gone way past my patience with no success.
Consumer complaint received 2021-02-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in dispute letters certified for transunion, XXXX, XXXX  and have not received result status nor any response. The date for my dispute letters to all company 's is XXXX/XXXX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because XXXX 30 days non response. Every letter has date and information in yellow which I disputed.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Palm Beach Credit Adjustors, Inc (FL)

On XX/XX/2021, I received a call from XXXX, an unknown male stating his name was XXXX XXXX ( or XXXX ) from Focus Financial Services to collect a medical debt for Memorial Health System. I asked him if it was a Florida Corporation. He answered, " Yes. '' I asked if he was licensed to collect a debt in the state of Florida. He answered, " I don't have to be. '' I said that he had to be licensed to collect without violation of my FDCA rights ; he answered, " I collect for a Hospital, so I don't have to be licensed ''. While on the phone with him, I went to the XXXX Florida Department of State website to verify the company. I found the record of 3 companies with the name he gave me : FOCUS FINANCIAL SERVICES , INC. XXXX INACT FOCUS FINANCIAL SERVICES, INC . XXXX INACT FOCUS FINANCIAL SERVICES, INC XXXX INACT All inactive, administratively dissolved for an annual report. 
I asked him why he was calling on behalf of the unexisting business. 
He told me to XXXX the company, the webpage https : //www.ffsservices.com. He told me that the business was located at XXXX XXXX XXXX XXXX #  XXXX, XXXX XXXX, FL XXXX, United States. I answered that having a website and information on XXXX does not allow him to do business in Florida without active registration with the Department of the State of Florida or license to collect the debt. And in my opinion, he was conducting fraudulent activity. He said he did not care about the Department of the State or Federal law requirements. 
From my first question about his inquiry 's legitimacy, he yelled at me excessively and was overly aggressive, which I believe is a coercive tactic. He was interrupting my questions to verify the business information ; I believe he did so to avoid direct answers regarding lack of registration and license. He was asking me to admit the debt and make a payment of XXXX XXXX dollars. I told him he was a fraud and I would be reporting him to Attorney General, Federal Trade Commission, and CFPB.
Consumer complaint received 2021-02-01
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. (FL)

I check my credit i notice that someone is Using my personal Information which make me very upset i did not give anyone Consent to open any Accounts using my personal Information this report is to help me I'm taking the necessaries step so this situation will be Resolved i no longer want to be a victim of Identity Theft
Consumer complaint received 2021-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX.