davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MI)

Debt collector had not validated the debt by law by a ( wet ink ) contract and had since XX/XX/2019 to produce one when disputed through al three credit bureaus. The debt collector is in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practices Act by not submitting the porepr documentation that is the original signed ( wet ink ) contract in 30 days.The debt collector is sueing and there attorney failed to produce a valid contract and stated in pretrial that the company did not have one. The company is damaging my credit by reporting the invalid debt to all three credit agenices.
Consumer complaint received 2022-11-01
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. (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. 

1. Unverified Account DEPT OF EDUCATIONXXXX  Account Number : XXXX 2. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATION/XXXX XXXXccount Number : XXXX 4. Unverified Account XXXX XXXX XXXX  Account Number : XXXX 5. Unverified Account XXXX XXXX XXXXXXXX Account Number : 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 2021-10-13
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. (TX)

Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I settled an outstanding debt with XXXX, the assigned credit collection company by XXXX XXXX. Payment was a lower amount, and was for payment in exchange for PAY FOR DELETE. 

Attached are the payments receipts, and I received verbal confirmation from XXXX agent on XX/XX/XXXX at XXXX.
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (DE)

In XXXX of 2020 I spoke with a representative at Lending Club. I requested to have my autopay stopped. I was assured that the autopay was canceled and I can make one-time payments going forward. Lending Club did not cancel the autopay and withdrew money from my bank account resulting in overdraft fees and causing me to not have the ability to pay other bills. When I called to have the money returned the representative stated that it would take 7-10 days to return the funds. I waited the 7-10 days, but they did not refund it. During that time another loan that I have with them came due, loan XXXX. I explained to them that I could not make the payment on that loan because they still had not returned my money and I was trying to straighten out my bank account due to the damage that was caused by their company. I made several calls to them trying to explain what was going on, but no one there could seem to understand that the only reason my account, XXXX was late, was due to them taking an unauthorized payment for the other account that I have with them. Needless to say, the account was reported 30 days delinquent in XXXX because I was not refunded my money so I could pay my bills. I was shuffled around to different representatives and given misinformation multiple times. I was furloughed from my job during this time and made sure to pay my bills on-time even with my situation being difficult. The only reason the account became delinquent was due to Lending Club taking unauthorized money from my bank account. I want them to remove the 30 delinquency from my credit report. Thank you
Consumer complaint received 2021-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I purchased my home on XX/XX/XXXX through XXXX XXXX company. My mortgage was sold to Freedom Mortgage ( FM ) shortly after. I have never been 30 days late on my mortgage payments- even when I was unemployed for 9 months in XXXX. I always make my payments on FM 's website, but I have had a number of occasions where the payment did not get processed for whatever reason. 

I am certain that I made online payments between XXXX and XXXX. I have received no phone calls, emails, or letters from FM regarding a delinquent payment until XX/XX/XXXX, which I opened today. The letter was dated XX/XX/XXXX and stated that I was delinquent for XXXX. I was beyond confused. So I immediately made a payment in the amount of {$1400.00} and called FM due to concern that the delinquency had been reported. 

I spoke with XXXX, a supervisor with FM, explaining my frustration that I should have been notified BEFORE the payment was 30 days past due - meanwhile, FM has consistently called me ( as well as emailed and sent letters ) asking me to refinance with it this year alone. She claimed that because I had opted out of paper correspondence, they did not send correspondence. I asked how, then, did I get a statement in XXXX and this XX/XX/XXXX letter stating that I was delinquent. I further asked why I did not get a phone call. She said that FM called numerous times - my phone saves all voicemails, even deleted, for about a year. The last time FM contacted me was XX/XX/XXXX. They DID NOT call me to inform me that the payment was past due. 

XXXX offered to have their technical team look into the issue, and if they can find that I made an attempt to pay, they will remove the reported delinquent payment. So I posed a hypothetical - what if I made an honest mistake and did not make the payment? I doubt that seriously, but what if I did? Is that not where FM comes in and timely notifies me that I am past-due - as they had done so in the past? 

When I was on the FM website earlier this month to pay my mortgage and check the outstanding principle for my own personal debt managing purposes, nothing showed delinquent. I fail to understand how FM can get away with reporting a borrower who has a history of timely payments, as well as documented instances of FM 's website not processing my payments, without notifying the borrower first. Now my excellent credit will be tarnished by FM 's purposeful refusal to timely notify me that a payment was not received so that I may cure the issue before it got to the point of negative reporting on my credit report. My husband and I were preparing to either purchase or build a new home- now I do not know how this will affect it. Honestly, I think FM did this on purpose because I reported it to CFPB and the Ohio Civil Rights Commission last year. I think this is payback for making it be a responsible lender, but it is not fair, because I am a responsible consumer. My credit report, before FM 's negative reporting hits it, reflects that.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I make multiple payments on my account to stay under my credit limit. I have made more than 10 payments to my credit card account as direct draft payments from my checking account. In late XX/XX/2021 Capital One flagged one of my payments as needing verification of my checking account. I went through their process and provided all the documentation needed and they approved my payment. XX/XX/2021 Capital One has flagged one of my payments again. This time the funds have already left my checking account and they have suspended my credit card for 26 days pending another verification of the same account. Let me be clear Capital One has already accepted the funds and they have still suspended my account. I spoke with their customer service team and was told that the issue was above their pay grade. Please help me resolve this issue.
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

Paypal.com sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to Paypal that the debt was not mine, Paypal agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, XXXX XXXX - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.
Consumer complaint received 2022-11-01
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. (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. 

1. Unverified Account DEPT OF EDUCATION/XXXX  Account Number : XXXX 2. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 4. Unverified Account XXXX XXXX XXXX Account Number : XXXX 5. Unverified Account XXXX XXXX  XXXX Account Number : 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 2021-10-13
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. (MA)

transunion has not fixed wrong info on my report loan was paid off in XX/XX/XXXX see paper work 36 month loan/lease ended on XXXX see attachments no pending payments as of XX/XX/XXXX how can they report XXXX thru XXXX of XXXX paid as agreed when there were no payments loan was done in XX/XX/XXXX and then reporting late payments when nothing was owed to them lock at the paperwork i am submitting count on your own 36 payments see ended in XXXX fix my report and add my statement
Consumer complaint received 2021-10-13
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. (CA)

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2022-11-01
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. (CA)

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 account in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Im attaching the required XXXX XXXX for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXXXXXX, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX XXXX XXXX... and I would truly not what to pursue a legal remedy, and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 



Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Consumer complaint received 2019-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, violence and death from Credit Acceptance Corporation Debt Collection Representatives for a fraudulent account and debt of {$8100.00} thats not my debt or account. The account and debt is fraudulent and the result of identity theft. Its very appalling, disturbing and frightening to be receiving phone calls of violence and death for a fraudulent account and debt that came from identity theft and do not belong to me. Credit Acceptance Corporation Debt Collection Representatives is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Consumer complaint received 2021-10-13
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. (FL)

XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My original complaint is XXXX that was filed on XX/XX/2020 where my account was locked on XX/XX/XXXX and closed by Bank of America on XX/XX/XXXX without warning and for no reason. I am still waiting for a check for over {$19000.00} a month later and for a XXXX XXXX owner it has caused a severe problem for me. I met with XXXX XXXX on the XXXX of XXXX and again yesterday with the bank president but they still could not supply me with any information on the check. I got an email from XXXX XXXX with B of A on XX/XX/XXXX telling me she was handling the case and I needed to contact her by the XXXX of XXXX. I called and emailed her every day and got no response but finally she called and left a message on the XXXX but I still do not have my money. This issue of closing accounts for no reason by B of A seems to be a practice they do to thousands. Your help is needed. 
Thank you.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (TX)

I have been told over and over again that I owe this debt and it has yet to appear anywhere let alone no notice from original company the said owed debt is owed to. I have lists of phone numbers the company calls from.
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Thank You
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WA)

Synchrony : carecredit closed my account and wrote it off & sold my account to XXXX XXXX and I sent them a debt validation letter which was delivered on XX/XX/2024 which is well past 30 days, no response & as soon as they got the letter they either alerted Synchrony/Carecredit or they themselves then tried to sell my account to XXXX & XXXX XXXX XXXX XXXX ( once they got another address for me ) I would like to file a complaint against these folks because they should have already removed the listing from my credit and not tried an underhanded technique to try to further come for me, especially when the debt has been paid towards twice : Which Is Fraud : See UCC Laws : Thank You
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (TN)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX DT CREDIT XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX ) XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX  credit reports by your company that I did not authorize ) DT CREDIT Inquired on XX/XX/XXXX DT CREDIT Inquired on XX/XX/XXXX
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

Several fraudulent charges were posted to my bank account with XXXX : All transactions had same descriptions '' Realtime transfer to xxxxxx '', but were posted on a different dates/amounts XXXX {$990.00} XXXX {$990.00} XXXX {$1900.00}, {$1900.00}, {$990.00}, {$990.00} XXXX {$350.00} On XXXX we have discovered this, filed the claim on XXXX. 
On XX/XX/XXXX bank have posted temporary credit XX/XX/XXXX received the notice from the bank stating our claim is denied and money will be taken back. Reason : transactions were authorized. 

we have explained to the bank rep that we never authorized these transaction and were not aware of it until we saw the account was drained on XXXX. Bank doesn't want to provide any other information. We truly didn't authorized these charges.