davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (MI)

Charter Communications has been attempting to collect money from me for over a year. Charter Communications called me repeatedly asking me to make a payment after I terminated my service. I asked them to mail me a bill so that I could ensure the amount they were requesting was correct. They refused to send me a bill, saying they wanted payment over the phone. I told them that I do not give my personal information to people who call me over the phone and also did not believe I owed them as much money as they were stating. I again requested that they send a bill. They refused. I then asked if I could view a statement online, but they stated that I could not, because my service had been terminated. Eventually, I looked up an address for Charter Communications ' billing department online. I received 8 days of Charter Communications service in XXXX, XXXX. I calculated that I owed Charter Communications {$18.00} to pay for those 8 days of service. I wrote a check for {$18.00} and sent it to them on XX/XX/XXXX with ACCORD AND SATISFACTION clearly written on the front and back of the check, indicating that cashing the check satisfied any debt they believed I owed them. Charter Communications cashed that check on XX/XX/XXXX, thereby discharging any financial obligations I had to the company.

Shortly after Charter Communications cashed my check, they started having a debt collection agency called XXXX XXXX XXXX XXXX XXXX contact me trying to collect on the same debt that had already been discharged by my payment. I sent them a letter and collection efforts ceased. I thought that the situation was resolved until I received a call while I was at work on XX/XX/XXXX from CBE Group. I had never heard of these people and asked who they were and what they were calling about. CBE asked me for my social security number. I refused to give it to them. The representative from CBE group then told me, " You are one of our clients. '' To which I responded, I am NOT one of your clients. I have no idea who you are and I definitely didn't hire you. The caller continued to try to get confidential information such as my social security number and date of birth and refused to tell me what they were calling about. The following day, I received a debt collection letter in the mail from CBE group, again trying to collect on the XXXX XXXX bill from XX/XX/XXXX. So CBE lied to me when they said that I was their client. They were trying to collect money from me for Charter Communications, which would certainly not make me their client. 

Charter Communications is engaging in predatory behavior trying to extract money that is NOT owed to them through harassment. If they did not want to accept the check I sent them as satisfaction of the alleged debt, they should not have cashed it. I do not owe XXXX XXXX any money and am tired of the continuous harassment by them and their debt collection agencies.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

In accordance with the Fair credit reporting act this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions.

Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. 

XXXX XXXX XXXX has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.
Consumer complaint received 2023-10-04
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. (CT)

In accordance with the Fair credit reporting act this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions.

Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. 

XXXX XXXX XXXX has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.
Consumer complaint received 2023-10-04
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX 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 FTC 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 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to get this matter resolved and I was unsuccessful in getting them to remove it. I explained to them my identity was stolen and I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. 

According to the FCRA, my credit report must be accurate and I definitely didn't apply, authorize, or give consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from Trans Union, XXXX, and XXXX Must Be removed and deleted immediately as follow : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

My Paypal account was compromised in XXXX XXXX. Credits and debits were issued between Paypal web and Paypal credit to offset the fraudulent purchase, but one of the two entities issued credit and did not properly offset the entry leaving my online account with a credit balance ; thereby, preventing me from using it. 

Paypal web has harassed me by sending text messages, emails, letters and phone calls asking for payment for a dollar amount I dont owe. I refused to make the payment because thats extortion as my Paypal credit account is paid in full. 

Due to the lack of payment, Paypal web has continued to block the use of my online account. 

Ive called Paypal web and Paypal credit numerous times to resolve this issue, but the only response Im getting is finger-pointing from both entities. In addition, Paypal web has given Paypal credit XXXX  days to resolve the issue leaving me without the use of my online account due to an incorrect credit balance.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (NY)

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries. I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (MA)

I have several CD 's with Synchrony Bank. On or about XX/XX/XXXX I opened the Banks web page and there was an add for a 16 month 2 % CD. I immediately opened the 16 month 2 % CD with XXXX. When I received written conformation the rate was 1.85 %. I called to complain and wa called a liar ( my words ) They said the 2 % didn't go in effect untill the next day yet it was advertised on the web page. I am a XXXX XXXX XXXX XXXX XXXX XXXX  to the Mass Senate, why would I lie. But for the add I would not have opened the account, CD. I spoke to the first banker 's supervisor and was told the same thing. I wanted to close the CD but was XXXX there would be an early withdrawal fee. Please help. I'm XXXX but did not make a mistake. I believe my age is why they are jerking me around. There had to be others that did the same thing. There web page may have been early but that wasn't my fault.
Consumer complaint received 2023-10-04
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. (MI)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1600.00}.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXXXX/XX/2019 {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXX XXXX, XX/XX/2019, {$5900.00} XXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. 
i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. 
Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements.

15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit 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
Consumer complaint received 2023-08-25
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. (GA)

This is my 18th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
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: CREDIT ACCEPTANCE CORPORATION (FL)

In accordance with the fair credit Reporting act CREDIT ACCEPTANCE CORP Account # 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 a so 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 purpose.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} ; XXXX XXXX XXXX XXXX XXXX  {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC (FL)

I submitted a mortgage payment on XX/XX/XXXX The mortgage servicer kicked my payment back which by the time it came back it was XX/XX/XXXX and they reported the payment as 60 days late. The mortgage servicer conveyed to me that I did make the payment on the XXXX of XXXX. The system glitched and caused me to have the issue. 
I have requested numerous times for the mortgage servicer to rectify situation and they wont. Im very upset Ive tried to dispute through the credit bureau as well and the mortgage keeps giving Inaccurate information to the Credit bureau.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$350.00} ; XXXX XXXX XXXX XXXX XXXX  : {$4600.00} ; XXXX XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at the bank on XX/XX/2023, I was told that XXXXXXXX XXXX  only reports 60-day late payments and not 30-day late ones so I don't know how this was even possible. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and reassured me that this incorrect information should be removed from my credit report. To substantiate this, XXXX will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed from my credit report and updated accurately at the earliest.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at the bank on XX/XX/2023, I was told that XXXXXXXX XXXX only reports 60-day late payments and not 30-day late ones so I don't know how this was even possible. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and reassured me that this incorrect information should be removed from my credit report. To substantiate this, XXXX will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed from my credit report and updated accurately at the earliest.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Educators credit union XX/XX/XXXX XXXX XXXX did not authorize this inquiry XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX. XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX XXXX, XX/XX/XXXX. XX/XX/XXXX XXXX XXXX. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize these inquiries. 
XXXX XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XXXX  consumer, XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. 
XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX did not authorize this inquiry. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX did not authorize this inquiry.