davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

Macy 's and XXXX XXXX are reporting late payments to my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose if they don't send a set of guidelines before the payment due date.

Under 15 USC 1681a ( 2 ) i credit agencies can not report transactions or experiences ( such as late payments ) without my written consent.

Under 15 USC 6802 states that credit agencies are supposed to disclose that they are putting a late payment on my credit and give me the option to opt-out of the reporting.
Consumer complaint received 2022-12-02
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. (CO)

I would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat, 2092 ( 2010 ) Fair Credit reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2023-08-11
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Sam 's Club Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive or my failure to make payments as agreed.
Consumer complaint received 2022-10-24
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. (GA)

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$820.00} XXXX  XX/XX/2021
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-11
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: Experian Information Solutions Inc. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

In XX/XX/2023 I did work for a client and was paid by her via Zelle - her bank XXXX, paid my bank XXXX XXXX  In XX/XX/2023 Client was reconciling her bank account and didn't recognize the transaction from XX/XX/2023, she called XXXX and complained - XXXX  logged it as Fraud and returned the $ to client from my account XX/XX/2023 XXXX XXXX  called me and notified me of a fraud claim against me- I explained it to them and sent them invoices and the work I did for the client XX/XX/2023 I asked my bank to unlock my Zelle account since I couldn't send money or receive it They notified me to contact the claimant - XXXXXXXX XXXX customer - and have her rescind the fraud claim Both banks have opened my Zelle account, but Zelle still has me locked out with no way of removing my suspension They are acting as judge, jury and executioner - I thought we were innocent until proven guilty Zelle doesn't work like that and needs to be held accountable for ruining my reputation
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VA)

I made a large payment to cover half of the year in advance. They did not distribute the money properly. They then reported a late payment to me credit. After going through the storms to get them to fix it, paying my mortgage every month has been a nightmare. Each month I call to make my payment they act very confused as thought they have no clue where the funds are. They say Im late for mt payment then realize M & T is at fault then move money around to fix it. Yet after spending 1-3hrs on the phone with them each month, they somehow have me in the same position every single month. Falsely reporting my payment late and then having me waste 1-3hrs on the phone with them to reapply the money correctly and request their credit department fix my credit. This is mentally and emotional to draining and very time consuming. I can not deal with this month in and month out for 30 years this is insane!
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Armstrong and Associates, Inc (NY)

I don't know the other dates, but this Armstrong and Associates from XXXX XXXX  has called me multiple times. I do not currently do business in Alabama and never have. I have never been to XXXX. They called me attempting to verify personal details that could have compromised my other accounts. When I asked them to tell me which business or account they are referring to after they identified themselves a collection agency, they said they could not proceed without my personal information. They never once referred to one of my businesses, just my personal name and they had my address. They are fishing for personal data. This has happened multiple times exactly as described above. Typically I do not answer that area code, but I don't look at my phone every time I answer.
Consumer complaint received 2022-12-06
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. (TN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

International money remittence for amount of XXXX was initiated on XX/XX/2023. 
After waiting for 7 business day ( XXXX as k for 4 days ) I reached out to customer support center requested for status update since XXXXXXXX XXXX was show transaction completed but the recipient never received the money. They requested recipient account details and bank statement to show that money was not received. Which was shared within days. 
I was told thirdparty bank confirmed that amount was not delivered and they will refund the money.

I have been reaching out to customer support every week from past 90days requesting for my refund without any update. I have left with no option now but to log grievance with CFPB to help me get back my hard earned money.
Consumer complaint received 2023-08-11
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. (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 USC 1681. 

Account name : XXXX XXXX, Account # XXXX has violated my rights. 
Account name : XXXXXXXX XXXX XXXX, Account # 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I paid this statement off in XX/XX/XXXX or there about. The account should have been closed. I have no more need for it. It was paid in full. 
XXXX Synchrony bank/Care Credit reported negative reports to the credit bureaus, therefore causing my scores to drop which i am working to build. 

This is erroneous reporting since I had already paid it off and closed.
Consumer complaint received 2023-02-16
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. (GA)

I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond
Consumer complaint received 2022-12-06
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. (CA)

This is my multiple requests 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 items : XXXX XXXX ; XXXX XXXX XXXX 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 XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} ; CXXXX  XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX  XXXX XXXX  DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX  Date XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (VA)

Credence Resource Management XXXX  account : # XXXX now listed under XXXX XX/XX/2023 To Whom It May Concern, I sent the first debt validation letter to Credence Resource Management on XX/XX/2023. I waited more than 30 days before sending a second debt validation letter. This letter was sent on XX/XX/2023. Credence Resource Management did not respond to either debt validation letter sent. On XX/XX/2023, I received a Fraud Packet along with a letter dated XX/XX/2023 from Credence Resources Management. The last correspondence I received was dated XX/XX/2023, which was a letter stating We received your dispute on the above XXXX  account. We have investigated your dispute and verified that the charges on your account are valid. This is a stall tactic and again, Credence Resource Management has failed to provide the debt validation required by Federal law, under the Consumer Protection Act. To date, XX/XX/2023 has not completed my initial request for debt validation which was sent on XX/XX/2023 ; therefore, the debt must be removed from my credit file immediately. Credence Resource Management has had over 90 days to complete the required debt validation letter which they have not. 

Finally, I am not a lawyer, but Im pretty sure this is a direct violation under the Consumer Protection Act. XXXX XXXX, XXXX, and Credence Resource Management were all attempting to collect on the same account. Not one of the companies above have completed the debt validation required by Federal Law, under the Consumer Protection Act. Therefore, every collection agency listed Credence Resource Management, XXXX, and XXXX XXXX must be removed from my credit file immediately. I have enclosed all of the correspondence I sent and received from all the companies listed above. XXXX XXXX also is using this same stall tactic and requesting I complete a fraud packet. As I have stated to XXXX XXXX, I am not completing any additional information as I do not have a contract with XXXX XXXX XXXX, nor Credence Resource Management. Again, none of the companies listed above, as of today, XX/XX/2023, have not provided the required by Federal law ; the debt validation letter I sent them each on XX/XX/2023.
Consumer complaint received 2023-08-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-08-11
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-26
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 (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Consumer ID # XXXX Ref # XXXX Dear XXXX XXXX XXXX : I have received your recent response to my initial inquiry and request for verification of Account Abuse/unpaid ( {$150.00} ) from Bank Of America XXXX Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from Bank Of America. 
Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by Bank of America. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. 
The full names, addresses, and direct telephone numbers for each of the individuals at Bank Of America that you contacted in the course of your investigation Please also be advised that a verbal confirmation from Bank Of America does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 
Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of [ XXXX ] Attorney XXXX office, if the matter is not satisfactorily resolved. 
If you are unable to furnish the validation specifics listed above, and the Account Abuse/unpaid ( {$150.00} ) is not removed from my XXXX XXXX XXXX file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. 
To facilitate the swift correction of this matter, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Sincerely, XXXX XXXX XXXX XXXX