davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

This report was done in error, If I received good or services, please have a senior executive certified under the penalty of perjury that have in fact received good or services in results of these transactions. According the FCRA 605B ( 15 U.S.C. 1681c-2 ) you must block the following alleged accounts immediately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] respectively.

Account is the result of identity theft. Please remove from credit profile immediately.
Consumer complaint received 2023-05-26
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: Commercial Acceptance Company (PA)

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 U.S.C1681 Account with commercial acceptance co Account with commercial collection service 15 u.s.c 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602A section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (AL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (AL)

I disputed an account on my XXXX profile that had been DELETED by XXXX and XXXX. Wrote a follow suit letter to XXXX and they have yet to delete the account. By law information should be correct across all XXXX bureaus. XXXX has it still reporting to my credit profile as closed but it should be deleted.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for an XXXX XXXX Bank of America credit card years ago. When I received the card, I set up my account so that there would be 'automatic payments ' deducted from my checking account for the full balance each month. It worked as it should for many years. 

Then, Bank of America canceled my automatic payments. I did not realize this until after I had missed two billing cycles, so I had accumulated late fees and interest. 

When I called Bank of America on XX/XX/23, they told me that I had deactivated automatic payments on XX/XX/23. This is not accurate. I did not do this. 

I requested that they reverse the late fees and accumulated interested. They emailed me on XX/XX/23 to notify me that they declined my request to remove the fees and interest.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
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: Experian Information Solutions Inc. (CA)

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP 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 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (IL)

Global Lending Services Account XXXX. XXXX, has violated my rights as a consumer in several ways. 
1. Global Lending has denied my request to pay off the account according to the Retail Installment Agreement. 
2. Global Lending refuses to send the title to my vehicle after denying my request to pay off the vehicle. 
3. Global Lending has charged off and reopened the account it several times. Each time the account is reopened, more money is added to the balance. 
4. Global Lending has charged off the account, and has not provided to me the proper IRS documentation. 
5. Global Lending is reporting the tradeline on other individuals credit reports. 
6. The company has made changes to my original contract without my knowledge, approval, nor signature. 
7. The company has denied sending a copy of the original retail contract for over a year. A copy of the contract was provided after submitting a CFPB complaint in XXXX of XXXX. 
8. The company has reported incorrect payment information to the credit bureaus on a consistent basis. As of today, on XXXX, the account indicates that I was never late and the account being closed on XX/XX/XXXX. On XXXX the account is listed as being charged on XX/XX/XXXX. 
9. The last payment I made to the creditor was XX/XX/XXXX. Global Lending is reporting I last made a payment .on XX/XX/XXXX. 
10. The creditor falsely reports that I have made payments in XXXX ; reporting 30, 60, and 90 late statuses on the tradeline to all 3 credit bureaus. On XXXX, the account was closed and reopened reporting to my credit report as follows : 1. XXXX XXXX days late : Balance {$12000.00} 2. XXXX XXXX- 60 days late : Balance {$12000.00} 3. XXXX XXXX Closed : Balance {$12000.00} 4. XXXX XXXX Closed : Balance {$12000.00} 5. XXXX XXXX Closed : Balance {$9400.00} 6. XXXX XXXX Closed : Balance {$9400.00} 7. XXXX XXXX Closed : Balance {$9400.00} 8. XXXX XXXX30 days late : Balance {$9400.00} 9. XXXX XXXXClosed : Balance {$9400.00} 10. XX/XX/XXXX - Closed : Balance {$9400.00} 11. XX/XX/XXXX - 30 days late : Balance {$9400.00} 11. When disputing the inaccurate information with the credit bureaus, Global Lending verifies the inaccuracy as being valid information. 
12. I have reported Global Lending to the Illinois States Attorney Generals Office. They were nonresponsive for months. I was advised to retain counsel for their malicious practices. 
13. I have disputed this account several time with XXXX, XXXX, and XXXX. All bureaus continue to report inaccurate information. I have been advised by all 3 bureaus my dispute was frivolous, and they will not investigate. 
14. All parties have been reported to the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion & XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was the victim of fraud due to phishing. {$3500.00} were taken from my account on XX/XX/23, after hacker used XXXX XXXX  to pursued me into accessing my account under false pretends. Upon realizing what had happened I went to Bank of America as the funds were processing they did not cancel the transaction and or gave me a temporary credit per E-regulatory laws. I submitted evidence the following day, that these hackers were trying to contact me again and information regarding the calls and links they were text messaging in attempts to continue to defraud me and despite of this Bank of America have continued to be in violation of e-laws.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In XXXX AND AGAIN IN XXXX I had XXXX accounts each having XXXX each in them. XXXX in the name of XXXX XXXX XXXX XXXX the other was XXXX XXXX XXXX XXXX XXXX ( THE SECOND ) > These are deposit savings accounts that i opened and was not allowed to be withdrawn by anyone until my kids where XXXX. THE BANK HAS NO RECOLECTION OF MY ACCOUNTS. They just stole my money and got away with it TWICE!
Consumer complaint received 2023-01-03
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

PHH MORTGAGE COMPANY MY Father died with a Reverse Mortgage ( PHH Mortgage Company ) on the home.. We requested a payoff in XXXX the pay off was XXXX We sold the loan in XX/XX/2022 and the payoff is now XXXX. The statement says Corporate Advance of XXXX. I would like to forward the document for review. My name is XXXX XXXX XXXX, my father is the late XXXX XXXX. My email address is XXXX.
Consumer complaint received 2023-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Fifth Third failed to escrow our property tax into our mortgage payments as promised. We received a late tax notice with a 21 % penalty. We ALSO lost a 2 % discount for not paying through the bank. We ASLO discovered they were putting our extra payments into a checking account instead of putting it toward our mortgage. This caused us to lose 21 % + 2 % discount + interest that would have been paid with the extra payment money. 
We contacted Fifth Third who acknowledged something " went wrong '' with our closing. We were contacted back and told the delinquent tax payment was paid and escrowed into our payment. This was done without our permission. We have received a letter stating they have now absorbed the tax penalty. However, we have not received a new escrow analysis heard back from Fifth Third regarding the 2 % discount or the lost interest from our extra payment money. We feel that we deserve the 2 % discount credited to our account AND a resolution to our extra payment money that was not applied to our mortgage.
Consumer complaint received 2023-07-11
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (NJ)

I'm experiencing distress, dissatisfaction, and XXXX  due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-05-26
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXXCOMENITYXXXX Account # XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-22
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: JPMORGAN CHASE & CO. (TX)

We were taken advantage of ( me and XXXX XXXX ) by an employee at XXXX XXXX XXXX XXXX She sold us insurance products that we didnt know we are buying. Sneaky way. 
She used XXXX that we dont understand and took our money without even knowing. 

We rented a car on XXXX and the car was with XXXXXXXX XXXX XXXX XXXX. It was promoted at {$27.00} a day and We paid for the collision coverage ( insurance ) so the total with everything was about {$100.00}. Then we took our flight from XXXX to XXXX ( XXXX ) and went to the counter. She didnt get the reservation number and started asking which car we want so we told here whatever is on the reservation. She started asking about insurance coverage and we told here we already bought it and paid for - XXXX room about {$78.00} from my XXXX card and told us we will pay about {$27.00} at the rental car desk. So when the employee took our card we thought thats what she will charge - she started explaining the coverage of insurance and we thought she is explaining what we already bought - she then asked me to sign in the credit card machine so I signed ( didnt see any policy or options on their just a blank signature space like we usually do on credit card processing machines ) Then they charged my card about {$150.00} in addition to the {$78.00} they charged my XXXX XXXX - {$230.00} for a XXXX XXXX rental for a basic car- I did agree to buy gas at {$2.00} per gallon and I did mention we will use less than a gallon since we will XXXX XXXX from airport to hotel and back ( XXXX XXXX XXXX ) the employee confirmed it will be only {$2.00}. 

I need my money back- I paid XXXX {$78.00} and was told will only pay {$28.00} additional or so I need my {$120.00} back - I need justice Our had been taken and our credit card dispute department said if you paid in person we wont be able to dispute against the company. 

Rental Agreement - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting 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)

This account has multiple inaccuracies and missing information that do not align with all three bureaus. I have attached a receipt from XXXX showing that I paid in full directly to them and not to the collection agency. If this account was reported as " Charged off '' then XXXX should not have been able to collect directly on this debt. Also attached is an email directly from a XXXX representative stating that if I paid they would remove this from my credit report and my account would be in good standing. I have attached an image of my credit report for all three bureaus and I have highlighted all of the inaccurate information. The inaccurate/missing information includes the following : Account type, Date opened, number of months ( terms ), Payment Status, last reported date, Date last active, date of last payment, and payment history. The entire payment history Is highlighted because it is completely inaccurate and missing information. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Consumer complaint received 2022-11-30
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. (MI)

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 U.S.C 1681. 
..Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

.15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

.15 U.S.C 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information..Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years ....

15 U.S.C 1681 5-2 ( 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 2022-12-22
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. (TX)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$32000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.