davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I received my report in the mail and noticed multiple inaccuracies. I have disputed this account ( XXXX XXXX XXXX XXXX ) time and time again. I have advised them that the account is reporting inaccurately. The account is reporting inaccurate amounts. The account balance has n't changed for 2 years when payments have been made monthly! i requested verification on how the company was verifying that the account is reporting accurately and Experian has not provided that information. And now the company has completed yet another fraudulent act they have changed the account balance from XXXX to XXXX. I have advised Experian over and over and have not received any relief for this account it needs to be removed from my credit report. it is reporting different information to each credit bureau which is a major violation. I have also disputed MULTIPLE times both XXXX XXXX XXXX  accounts ( XXXX ) the are reporting inaccurate payment history and also reporting different information to each credit bureau i also requested Experian to provided how they verified the account as reporting accurate and they have yet to provide that information.This account needs to be removed ASAP The next account is XXXX XXXX ( XXXX ) I have NEVER done business with this company. I have told Experian that multiple times and still they advise that the company has verified the account and i have requested proof of verification and i have not received that either. Also a closed account can not report as late!. This account needs to be removed ASAP
Consumer complaint received 2022-12-09
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. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I sold my truck and deposited the check ( XX/XX/XXXX ) into my checking account ( under 2000 ) When I called the bank ( XX/XX/XXXX ) about not having the XXXX they promised at time f deposit available by the second day I was told they were closing my account and holding any other deposits which came into the account ( including my son 's SSI ). Even though they have spoken to the other bank and were told the account was good and the money was available and that the check would be honored and the bank verified her contact information which is printed on the check as being valid Chase will not accept that. They informed me that even though the check will clear they are still freezing my account, holding all deposits including the check and direct deposits simply because her phone number is not listed under her name. This is a common thing, my phone number is listed under my husbands name. I do not see how they can hold money which has nothing to do with the check in question and to close my account even if the check clears and make me wait up to six months to receive a check from them which I am then supposed to deposit where? I have children to care for including my XXXX XXXX son which his money is one of the things they are threatening to hold. I also have a car payment and we have this annoying habbit of needing to buy food to eat in order to stay alive. They are making it impossible to do this because her working phone is listed in someone else 's name? I do not see how this is legal. From all the research I have done they are supposed to release it within two business days but certainly not more than 7. They do not disclose that they will close your account and freeze all money if you deposit a perfectly good check if the person in question does not have a phone in their name. Again the check has her phone number printed on it and her bank has verified every possible question given to them. I understand holding the check until it clears but to hold everything else and close my account when I just set up two direct deposits is beyond belief and not standard practice. I spoke to 4 different people at chase and two people at the other parties bank in an attempt to resolve this issue this morning. I have to wonder if this issue is an attempt to not pay me the new account bonus. I can not figure out another reason why a perfectly good check which was verified by the issuing bank would cause these problems and that even if the check clears they will not honor it as good.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (AZ)

The complaint covers THREE ( 3 ) loans with this company, as EACH loan has the SAME ISSUE. 

There is a BLANKET insurance policy, and each loan must collect ONLY its portion for the escrow account. This has been explained to this company since they became the servicer in XX/XX/2022, was explained again during the insurance renewal, and for two months now, has been explained again by me, via their portal, Email, phone and XXXX mail, as well as explained by the insurance company, that it is a BLANKET insurance policy. This company services 3 loans, another company services the other 3. In the most simplest of terms, a blanket insurance takes the total policy premium and divides it by 6. NOT ONLY have we done this math for them, we have provided paid in full invoices and individual declarations pages to show them how to do the math, and what escrows they need to be collecting. 

Every time we contact them, they say it is fixed, but it is NOT fixed.
Consumer complaint received 2023-07-05
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. (CA)

I did not authorize 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 XXXXXXXX to run inquiries on my credit report. I had no knowledge of these accounts/inquiries. THIS IS IDENTITY THEFT.
Consumer complaint received 2023-04-27
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)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (OH)

I Filed a complaint with a supervisor about violations of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. a representative of the company called my father who is an account holder with the company and disclosed information about the account without my consent. I was told the supervisor would investigate the complaint and that I would receive correspondence but I did not.

Unauthorized Sharing of Information : Violations may occur if a financial institution shares a consumer 's nonpublic personal information with nonaffiliated third parties without obtaining the necessary consumer consent or without complying with the opt-out requirements.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I am writing to dispute the credit reporting practices of Synchrony Bank concerning my SYNCB/Pay Pal Master Card account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Synchrony Bank has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, Synchrony Bank has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by Synchrony Bank. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting Synchrony Bank to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I requested my credit report and saw that I had a mixed file. I contacted Equifax to fix the information by submitting a dispute online but wasn't able to. That happened in XX/XX/. I called them and tried to submit a dispute over the phone. They weren't able to do it. I sent in mail to fix the dispute in XX/XX/, but they haven't fixed it since. It is now XXXX.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NV)

once again Citibank fraud department froze my card bc I called to set up my PIN. 

Once again, they can NOT send a pin to my phone number, never fixed. 

XXXX I don't know how they stay in business. 

Once I am done with the card, I will cancel it.
Consumer complaint received 2023-11-21
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: Paypal Holdings, Inc (FL)

Hello, I wanted to report Paypal for harassment. They keep assessing a claim on my closed XXXX for {$180.00}. I keep calling to get this reversed, but PayPal is continuing to put this charge on my account. 

During the summer, I opened a Paypal XXXX account ( there was an incentive ). It was advertised to me because I had a regular paypal account that I used to make purchases. I made some purchases on the card and paid off the purchases, as i always do. 

Then, on XX/XX/XXXX, there was a charge on my card for {$180.00} that I did not make. 

I reported this transaction for fraud and it was reversed XX/XX/XXXX. 

On XX/XX/XXXX, PayPal reassessed this charge of {$180.00} on my account. 

I called customer service and reported the charge again. They said there was an error made by the first agent and so it was handled by the wrong department. 

Today, I spoke with the investigations department for XXXX XXXX, and it was confirmed that my XXXX was closed on XX/XX/XXXX ( but as I remember it, I had closed it beforehand ). Sometime during the summer, I believe I had also reported the card as lost or stolen and locked the card to prevent any further transactions but I can not remember when this occurred. 

After, the charge reappeared on my *closed XXXX , in the amount of {$180.00}. Again, I called XXXX XXXX  and had the transaction reported for fraud. I never authorized PayPal to charge my closed XXXX. 

This amount was reversed on XX/XX/XXXX, as promised by the representative. 

Then, on XX/XX/XXXX, an amount of {$170.00} and ( {$18.00} ) ( for an interest charge???? ) was made on my account. 

I called again today to have this reversed, as soon as I had noticed. 

PLEASE help me put an end to this. I have made multiple phone calls, and spoken to multiple agents, from Paypal and XXXX XXXX. I don't want any more charges on my account or to pay for a transaction that is not mine. I asked for written confirmation to prove that this charge would not reappear but they refused to issue such a document. 

I can supply all the statements, proof, or documentation that I have or that I can reasonably access. All their calls should be recorded. I placed all my calls from my cell number. 

Please, please help me put an end to this harassment. I have done everything in my power to get this resolved but I have not been successful. 

Thank you.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, EQUIFAX, AND XXXX ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.
Consumer complaint received 2023-11-21
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC. (MI)

I was asked for all XXXX credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have request a investigation of XXXX XXXX XXXX account on my XXXX report. The charge -off of an obligation with XXXX XXXX XXXX XXXX incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
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)

I have request a investigation of XXXX XXXX XXXX account on my XXXX report. The charge -off of an obligation with XXXX XXXX XXXX XXXX incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.