davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY refuses to close out the account though it's been confirmed with XXXX that the account is too old to collect on. Because of that, XXXX has since confirmed that informed and moved forward. However, XXXX refuses to confirm it with the other two credit bureaus and will not respond to me on how to best move forward. I've also sent them a validation of debt fax twice, neither of which they have responded to.
Consumer complaint received 2022-12-22
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. (TX)

Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, XXXX and Experian, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by XXXX and Experian. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2022-12-22
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. (NC)

it has been way over 60 days since I made this complaint to the CFPB - XXXX XXXX, and have yet to get any response or remedy from XXXX. Please see previous complaints. 

Equifax - Complaint # XXXX Based on your response : Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
I would like Equifax to conspicuously disclose and provide to me all the steps they took to VERIFY that this account belongs to me according to the FCRA. Violations ( 15 USC 1681d ). ( 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was recently denied for an apartment that i applied for based on my consumer report. I filed a claim previously to help with inaccurate evictions showing up on my report. An investigation was performed and the information was deleted. After this i called into customer service in order to inquire about what was going to be done about my application. The agent then stated that i would need to have my credit ran again. Which would mean i would have to pay another {$100.00} application fee. This was very disheartening to hear considering the fact i was denied based on this inaccurate info. The agent then looked into it and begin to bring up my " Background '' was the reason i was denied. He then began to talk about charges that i did pre-trial intervention to have removed from my report.I proceeded to tell him that information shouldnt be on my report. He then told me there was nothing i can do about this! I am once again held back from renting based on FALSE INFO ON MY REPORT!
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank is now charging for paper bills. I already canceled my XXXX XXXX card, they also will be charging for Lowes rewards card. I take exception to paying 2 bucks a month to get a paper bill. I just won't use my Lowes card. The culprit is Synchrony Bank.
Consumer complaint received 2023-08-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

1. I never received any letter from the company about the debt. 

2. This is a medical debt of XXXX dollars. The collection company has reported this to all 3 credit bureaus to damage my credit. They have clearly violated the law. As per new law medical debt less than XXXX should not be reported to credit bureaus.
Consumer complaint received 2024-04-29
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (AZ)

On XX/XX/2022, my wife and I opened an account with XXXX XXXX XXXX. However, 2 days later, we canceled in person but were told to call XXXX XXXX XXXX 's customer service department to cancel. We called XXXX XXXX XXXX customer service dozens of times attempting to cancel the service but representatives did not cancel the service. A month later, we started receiving bills for service never used and tried to cancel. XXXX XXXX XXXX refused to disconnect the service inspite of our best attempts. XXXX XXXX XXXX 's return policy clearly states that we have 7-14 days to return merchandise and cancel service. XXXX XXXX XXXX has not honored it's own return policies here. 

On XX/XX/2022, we sent our devices directly back to XXXX XXXX XXXX to their Return Center in XXXX XXXX, Texas. In response, XXXX XXXX XXXX claimed that we never canceled our service and sent this unjustified bill to dozens of creditors, destroying my credit. Every time I disputed the debt the creditor simply sent the account to a different creditor. One creditor, called XXXX, even dismissed the debt in writing, only for another creditor, Sunrise Credit Service, to send it directly to the 3 credit bureaus as a delinquent account without even contacting me. Sunrise Credit Service has sent me nothing in writing and has made no attempt to contact me. 

XXXX, one of many debt collectors, even dismissed the debt in XX/XX/2022. Sunrise Credit Services has chosen to ignore XXXX 's dismissal and continued to pursue this debt illegally.
Consumer complaint received 2023-08-19
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: CITIBANK, N.A. (CA)

Information shared with Citi : I purchased the product on XXXX XXXX The merchant offers a 30-day money back guarantee ( THEY SHARED THIS POLICY WITH YOU. Did you read it? 

I requested the guaranteed refund 8 days after the purchase. 

Yes, they did nag me to stay, but I told them multiple times to cancel and refund. 

My comment : Citi sent me all of the correspondence, but they didn't read it. If they had, they would see that I followed all of the proper procedures to enforce the 30 day money back guarantee.
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Primus Law PC (UT)

My past due medical bills were sent from the collection agency to a law office. They sent me a letter saying I owed an amount. I called them to talk about it. XXXX stated she wasnt going to go over it with me over the phone and would send me the bills I requested. On the XXXX of XXXX they sent me a summons for court. I called them on that day and the lady said in her notes she went over my account with me which is a lie because she said she couldnt and would send them to me in the mail. I called again today the XXXX to set something up to try and get it paid and the guy I talked to said the First Lady never requested the bills to be sent to me the first time I called on XX/XX/XXXX. So their employee never followed up so I could verify my debt.
Consumer complaint received 2023-01-03
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 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 2023-01-03
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete XXXX. How in the world did they verify these claims? XXXX of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX XXXX XXXX XXXX XXXX for not more than XXXX XXXX, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX XXXX XXXX after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA XXXX Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$250.00}.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a XXXX XXXX XXXX XXXX XXXX and was denied by Bank of America on XX/XX/2013. Bank of America stated that they denied me because " one or more of your accounts has been included in a bankruptcy. '' My bankruptcy was filed over 10 years ago and does not appear on my credit report any more. 
I filed bankruptcy XX/XX/2013 because I had XXXX XXXX XXXX XXXX and a lot of medical bills. 
I have rebuilt my credit and believe I'm being treated unfairly.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (IA)

I received an email from Credit Corp Solutions or about XX/XX/XXXX, XXXX Credit Corp Solutions claims I owe a debt. On XX/XX/2024, I sent a cease-and-desist letter to Credit Corp Solutions. The letter contained the following information I sent : You are hereby notified under the provisions of Public Laws XXXX and XXXX, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. 

XXXX ) You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state 's Attorney General 's office. I will pursue all criminal and civil claims against you and your company. 

XXXX ) Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. 

XXXX ) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 
Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

To this day the Credit Corp Solutions has continued contacting about a debt that I have disputed. Credit Crop Solutions has not provided me with any debt validation and continues to email me and try to collect. Credit Corp Solutions has also place their account on my credit report.
Consumer complaint received 2023-01-31
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 2023-03-30
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. (TX)

The accounts listed below are not mine and I am not aware of these accounts FTC FCRA violations 15 USC 1681 C-2, 15 USC 1681 C-1. I have previously provided FTC reports to the bureaus and they have failed to provide verification and delete accounts that do not belong to me. 
XXXX XXXX acct # XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX acct # XXXX  {$2400.00}
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

I have a Barclay MasterCard, which I canceled XX/XX/XXXX. However, I received a bill for an annual fee in XXXX. I called again and canceled and the fee was supposed to have been credited since I no longer wish to hold the card. I received another bill in XXXX, I called and canceled again and I was assured it was canceled. I recently went to purchase a vehicle and was told I have delinquencies on my credit which Ive never had. Once I got the report, I noticed Barclay credit card has put a delinquent notice on my credit report. I just called them again today being XX/XX/XXXX. This is a malicious practice and has now affected me financially and personally. I have worked hard on my life keeping and Sterling Credait and its unfair for large companies, such as Barclays to take advantage of people the way they have. What can a person like me do to get compensated for my pain and suffering? As of this moment once again speaking to Barclay, I was issued a case number XXXX and once again assured, they will close my account and credit the account of the annual fee, but I have no insurance they would actually do that.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (PA)

I do not have a contract with I C SYSTEM INC, they did not provide me with the original contract as I requested.

I find it concerning that I C Systems is not complying with legal request. Are they even registered with the state and county?

I request I C Systems INC collection agency provide proof they sent debt validation, as is my legal right.

If I C Systems INC can not provide proof, I demand this account be removed from my credit reports, as is my legal right per FCRA section 623. ( a ) ( i ). 

According to XXXX XXXX XXXX 1997 IC Systems Inc is suppose to ensure " maximum '' possible " accuracy ''. 

This account violates : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. 
Delete this account! 

I already have a complaint in with the XXXX, and IC Systems INC refuses to abide by my legal request and is continuing their violations of the FCRA 623 ( a ) ( i ) For your records, this XXXX complaint was assigned ID XXXX in the XXXX  system. 
XXXX  contact below XXXX XXXX Dispute Resolution Specialist XXXX Thank you!
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I was diagnosed with XXXX and that caused me to fail on my payments, i was at the hospital for several months, now my income increased i am trying to get resolved all my debts and applied for MOD with my lender but they denied because there is a sale date on the property, i have no other home to live, please help me to get my lender 's approval for a review on MOD.
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I deposited a bad check from a new job unbeknownst to me but the bank cleared it for me before checking if it was fake. I paid for supplies with a cashiers check and then the bank told me it wasnt real.
Consumer complaint received 2023-01-25
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. (NV)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

( 1 ) A purchase was made was made on a Bank of America credit card for {$180.00} on XX/XX/XXXX ( 2 ) The purchase was billed to me on a bill dated XX/XX/XXXX ( 3 ) This was the first time this purchase appeared on the credit card bill ( 4 ) The credit card bill included interest on the {$180.00} purchase. This is the first time I have ever seen this occur.

( 5 ) Is the Credit Card Company permitted to charge me interest on the purchase without even giving me an opportunity to pay off the charge within the specified time period on the bill?

( 6 ) Today 's date is XX/XX/XXXX