davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1968 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

Jefferson Capital is on my credit stating that I owe {$940.00} to XXXX. I have sent a letter for debt validation on XX/XX/year>. The company which is Jefferson Capital has not responded. Therefore If they hadnt responded in the XXXX  days to properly validate the debt or prove that I owe them any money and they should now cease and desist any further collection efforts and remove it immediately from my credit report.
Consumer complaint received 2024-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (PA)

To whom it may Concern, I am a victim of identity theft. My information was fraudulently used by someone to apply Discover home loans on XXXX. I am not recognize of this inquiry on my credit report by Discover home loan. Discover home loan confirmed it was a fraud application and promised they will ask credit bureau to remove it in 60 days. I also have mailed my deletion request along with my information to XXXX, XXXX, and XXXX. It has passed six months and the fraudulent inquiry is still hasn't deleted from my credit report.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

I paid my XXXX credit card statement one day late, meaning I accrued and owed interest. I paid the card off the next day, Chase Bank continued to charge me interest in XXXX, XXXX, and XXXX. They refunded the interest amounts that I was charged. I am very concerned that this could be happening to others who may not be as financially literate.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I looked at my report back on XX/XX/2022 and noticed some things are incorrect and incompleted and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure about whom the report relates these accounts. XXXX XXXX XXXXXXXX XXXX are not accurate and are not completed XXXX XXXX  XXXX XXXX open date is not reporting correctly on Experian and XXXX it says the date was opened on XXXX/XXXXXXXX although on transition it says the date was opened on XX/XX/2022 and that is not correct. 

the date that the account was active till is inaccurate its says for transunion that it was XX/XX/2022 for Experian it says XX/XX/2022 for XXXX  its way off at XX/XX/2022 Date of Last Payment for XXXX was XX/XX/2022 for Experian it was XX/XX/2022 but for XXXX it was XX/XX/2022
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MO)

In early XXXX, my identity was stolen, and my corporate identity was used to apply and sign leases at multiple leasing companies in Florida. One of these companies was the XXXX, and has accrued a balance of {$10000.00} that is fraudulent. When I was first notified of this fraud, I submitted police reports in XXXX XXXX, and have since received additional noticed from then until now ( XXXX of XXXX ) regarding other balances ( including another fraudulent balance at a XXXX  XXXX XXXX XXXX for over {$9000.00} that XXXX XXXX has been attempting to collect ). I have filed reports through the Federal Trade Commission.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX the consumer, called Trans Union , Fraud Victim Assistance department on XX/XX/XXXX to have inaccurate false, and misleading information removed from my consumer credit report. I was told they would not be able to change any information without an FTC or Police Report concerning any of the false, inaccurate, or misleading personal consumer private financial information that I stated was incorrect, misleading and false on my consumer profile that they were reporting without my permission that was mailed to me on XX/XX/XXXX. They would not initiate a dispute over the phone without the Police report or FTC report. As a consumer, it is my right to financial privacy, equality, and respect according to Congress. Trans Union as a consumer reporting agency has a duty to report fairly and accurately true information at all times on behalf of the consumer. They are obligated to do this by Congress. This a violation of my rights and my consumer creditworthiness has been injured as this false and misleading personal financial information has been given to over 50 companies ob multiple times. The inaccurate false and misleading information is a result of identity theft concerning transactions that were not initiated by the consumer. If any information was collected from any self-test employment, I was never properly disclosed nor did I give my written ink signature to agree to have this false, inaccurate, and misleading information placed on my consumer profile. According to Regulation B, Credit profiles are considered false fictitious information and should not be used when evaluating an application for consumer credit transactions but the use of a fictitious profile has to be disclosed to the consumer and they have to volunteer to take the self-test. I was never aware. I am requesting methods of verification used for this information to appear on my credit profile and they actually certify that the creditors met to provide this information on my consumer profile. Also, remove the inaccurate information. Also, Trans Union has sold for profit my consumer profile and I was not compensated.
Consumer complaint received 2024-06-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/year> I called synchrony to make a payment arrangement for my bill that would be due for the month of XXXX ; my bill due date is always due on the XXXX day of the month for each month. To avoid future late fees ; because I knew I wouldn't be able to make the payment on the XXXX of XXXX I called synchrony to make said arrangement. I was transferred from an automated system to a live agent of whom I made the arrangement with for me to pay my bill on XX/XX/year> without occurring a late fee. Synchrony still charged me a late fee for the month of XXXX for missing my payment date even though I called to make a payment arrangement. I spoke with XXXX different agents on XX/XX/year> and both agents said that the prior agent I spoke with on XX/XX/year> not only did not notate my account that I would be making the arrangement but I would still incur a late fee that they could not reverse.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (FL)

Jefferson Capital System harassed me repeatedly by calling incessantly, showing up at my parents house, my old roommates house, and calling my sister. I have ring camera footage and people willing to testify in court that this happened. It honestly started to scare me. I do not feel safe engaging with this company at all, and what they have been doing is absolutely against the law.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

XXXX had a data breach whereby XXXX XXXX XXXX personal data was stolen. I was never notified of the breach nor had an opportunity to participate in any remedial activities to further protect my data. I learned in 2022, after trying to obtain high speed internet service at my current address that there was a charge off account for {$1100.00} placed on my credit report by XXXX XXXX XXXX. After discussing with the XXXX XXXX XXXX representative and confirming I never lived at XXXX XXXX XXXX XXXX XXXX GA, the representative charged my XXXX {$1100.00} without my knowledge. My CC company sent an alert, and I immediately canceled my card. The debt has been sold to XXXX XXXX  who called and harassed me about it, and it it now with RADIUS GLOBAL SOLUTION. After submitting a letter through XXXX somehow the information collected from the debt collector was accepted by XXXX as valid. RADIUS GLOBAL SOLUTION is trying to collect {$4100.00} for this debt that I have no knowledge about nor have ever lived in the state of GA where this fraud occurred, furthermore I believe XXXX is liable for the loss of my identity and I should be compensated for the 2 years I have been trying to get this resolved as fraud.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (AL)

I am writing to complaint to XXXX XXXX XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. XXXX that unambiguously obliges a described of the modus.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (FL)

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

The XXXX on XXXX ( XXXX-owned property ) charged me with an incorrect balance due, specifically furniture they claimed was missing that they never gave me- a sofa chair and sofa- and for washer and dryer replacements that I did not cause the need for. I submitted my proof of the false debts to XXXX XXXX, XXXX accounts payable account owner. My debt was inaccurately reported to Genesis collection agency. I sent a mail certified response requesting an itemized list of the charges they are collecting on and stated that I wish to dispute the debt. I never received a response to my certified mail letter from Genesis. After receiving another email from Genesis offering a settlement on my debt, I called the company to dispute the charges. During these phone call conversations, they would not allow me to dispute the charges and only offered me settlement discounts, and threatened me that if I did not pay this debt it would significantly damage my credit and my parent 's credit since they were a guarantor on my lease.
Consumer complaint received 2022-11-15
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. (SC)

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 XXXX XXXX XXXX. 
Accounts : 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. 


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 2024-06-19
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: EQUIFAX, INC. (TX)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX {$6500.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX FIN - XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX Accounts : XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX CAP XXXX - XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX {$1500.00}
Consumer complaint received 2018-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I had been fighting with Bank of America for 4 years and 3 months before they lowered my mortgage payment. They kept me on the phone for over 4 hours almost daily, and never refinanced my mortgage. After a few years of doing nothing and spending months on the phone, they told me to stop paying my mortgage. I told them no becuase I did not want my credit to be destroyed after working multiple years with up to 3 jobs at a time to keep my credit great. After several months of refusing to make less than required mortgage payments, always paying on time, after waiting the 4 years and 3 months, they told me all I had to do was sign the new loan papers for a reduction in monthly payments. Even though I told them every single month for over 4 years straight, I paid 100 % of my mortgage payments, they did not apply it to my mortgage as per contract, and they did not pay insterest or anything as it had been paid for years, they twisted all my payments for their benefit, and put my money I blatently advised for over 4 years as to be 100 % only for my mortgage until they lowered the monthly payment, the sent my money away from my mortgage payments and to cover themselves, put money into escrow and XXXX knows where else, and now I have destroyed credit, and now besides the destroyed credit and higher cost of insurance and living thanks to this, they have a lien against my property I am trying to sell. I just have been trying to get a job after losing my last one, and I need to downside, and they are making my life miserable still. They destroyed my credit, kept me from getting a place to live, and I can't sell my home becuase of the tax lien they put on me while stealing money from my mortgage payments. My credit just went down again because of them and my insurance went up because of these crooks. they have been destroying my life for years, and I want this fixed. They need to fix EVERY SINGLE PAYMENT that I payed 100 % of my mortgage payment to, and they need to fix my credit score immediatley and they need to get that tax lien off my property NOW so I can get a place to live and sell this place. I need results now! I have been tortured by them for years and EVERYTHING THEY DID IS ILLEGAL AND THEY NEVER HAD ANY PERMISSION FROM ME TO CHANGE ANY MORTGAGE PAYMENT AND STEAL FROM ME.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

Discover Bank has sent me a 1099-c cancellation of debt form and refused to update the credit bureaus to the balance of {$0.00} discover Bank is reporting that I still owe a debt although they have sent me a 1099-c form cancellation of debt and refused to update the credit bureaus to the balance of {$0.00}.
Consumer complaint received 2024-06-14
Product: Credit 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: GOLDMAN SACHS BANK USA (TN)

I made an online purchase that was never sent to me or delivered. The company shows they never delivered and I disputed the charge with Apple credit card. XXXX months later Apple credit says they are going to charge me for this purchase and I disputed it again. I provided them with proof from the companys own website saying that it was never delivered. I filed a police report and gave Apple credit a copy of this as well. Three months later they charged me back again. They refuse to provide me proof to show why they did this. They tell me that I must provide more information but will not tell me what that is. The companys own website says they did not deliver the product so what more proof should I need. Apple credit just says more. Is Apple credit really paying this company or just keeping the money?
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}