davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NV)

Hello I got an alert on my monitor system that an account is closed. 
when looked deeper their was another account opened with same company which I had a card for and they automatically opened and closed account. upon further investigation it should account Opened XX/XX/2011 ( 8 yrs, 0 mos ), But I had not connection with bank at that.. and also show that I made payment on time,, and closed the account. 

Bank - SYNCB/PPC ( Synchrony Financial )
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

YOUR COMPLAINT I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency FIRST FEDERAL CREDIT CONTROL Original Creditor Name XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FIRST FEDERAL CREDIT CONTROL XXXX XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Consumer complaint received 2019-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have spoken to three managers at Bank of America regarding the XXXX dollar fee that I have been getting on my savings account since XXXX. Due to extremely low interest I did not care about my savings account, i've had it set to send XXXX dollars from checking to savings since i was XXXX. I could have easily had XXXX in there to avoid the fee if I had even known about it. I called in and spoke to a manager named XXXX, he was only able to credit me XXXX dollars out of the well over XXXX I've received in fees for the past two years. I requested the matter to be escalated to the next manager. He was the worst banking professional I've ever spoken to. His name was XXXX, ID # XXXX. He was condescending, talked over me, very unpleasant tone. I've been a customer with Bank of America since XXXX. It's absolutely silly to me that they wouldn't give me back my request of XXXX dollars. This is the amount I could see that was taken from me since XXXX of XXXX. The fees started in XXXX, however so there could be more that I don't even see. I had only requested the XXXX. They didn't care - They basically told me to be grateful for this amount. Closing my account after the dust settles ... They just would not budge with this.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

This was not the same complaint. The day they received the first complaint, they added another XXXX, with that doubling the amount they defrauded me with. 
1st # XXXX XXXX # XXXX They made you believe they found the payment. Never took off the 2nd fraudulent XXXX. So I paid it, even tough I did not owe it. 

Today, 2 weeks later, they came back and added the 2nd XXXX dollars again. I paid my card off. I did not owed XXXX dollars. 
This is fraud and they still try to defraud me.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 Trans Union admitted in writing that they made errors on my credit report, which resulted in the decline of my credit score, causing me to have to pay higher interest rates ; they in turn removed the errors. To date they have not paid the penalties that are governed by the FDCPA which state that there are civil and criminal consequences as a result of their actions. They have received the proof of their actions and my invoice for the violations which they committed against me.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

I organized a wire transfer to pay for a kitchen ( final payment ). Chase bank cancelled it without notice and did not call me ( no records of missed calls ). They informed me I had to call them " If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. '' I called and waited 50+ minutes. The operator wanted personal details I was uncomfortable proviging ( pin number, passport number ). This number was only provided in email and NOT published on chase.com - I declined to give these details. 

My kitchen will now be delayed when I have several contractors lined up. Its not clear if the time can be made up. I'm unable to get help from Chase without unreasonable verification. I was told to go to the branch. Chase did not send me a secure message. I do not know how to proceed.
Consumer complaint received 2021-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AL)

I am currently on a mortgage forbearance with Flagstar Bank. Forbearance began XX/XX/XXXX. The forbearance was extended through XX/XX/XXXX. Since then I have received a notice on my door to contact the mortgage company. The notice was received XX/XX/XXXX. The man that left the notice did not attempt to make contact. He hung the notice on my door and took a picture. I saw this on my ring camera. I called the mortgage company ( XX/XX/XXXX ) and was informed they would keep coming out as long as my mortgage was in a default status. I explained that I was in forbearance and was not in default at the time when entering forbearance. The rep stated forbearance doesnt stop me from going into default because I still owed and they would continue to make attempts to collect during the forbearance period. I inquired about my options at the end of forbearance. The rep started to discuss the option of mortgage deferral. I asked a question about some of the information provided. The rep did not respond yet I could clearly hear his background. I stayed on the phone repeatedly saying hello, hello? He never hung up but would not reply. I could only hear his background noises. I eventually hung up. He did not call me back and I did not call back because it was clear he intentionally was not replying to me. I have not been able to find information regarding collection attempts during a forbearance. I was on a brief forbearance with the mortgage company prior to Flagstar assuming the loan. Not once did the prior company have anyone come to my home to leave notices nor did they make any collection attempts. Clearly, I chose the forbearance option because of a temporary hardship so why would they think their collection attempts would make my circumstances change.
Consumer complaint received 2022-05-27
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX ( Original creditor ) Opened : XX/XX/XXXX {$770.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX creditor Opened : XX/XX/XXXX {$1200.00} 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 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 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

I am the holder of XXXX XXXX  seeking your assistance in resolving a Mortgage payment error that XXXX has refused, ignored or neglected to correct. As of XX/XX/2021, XXXX indicates that I am one-month ( {$2300.00} ) behind and that I have not paid the XXXX payment ( see attached Lakeview Loan Servicing , LLC Dashboard ). My records indicate that I have never missed a payment ( see attached Payment History as of XX/XX/2021 ). 

I have contacted XXXX multiple times over the past 6 months over the phone and in writing. XXXX representatives, including supervisors, have routinely given me empty promises that they will correct the error. I have also not received any call or written confirmation from XXXX about a final resolution to my complaint despite these efforts. Please see a notice under 12 CFR dated XXXX XX/XX/2021 and the final notice dated XX/XX/2021 that I sent to XXXX to which they have not responded.
Consumer complaint received 2022-05-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (FL)

I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XX/XX/XXXX. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction. EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX. EXETER FINANCE LLC violated 15 USC 1635 ( a ) by failing to clearly and Conspicuously disclosure all disclosures to me in regards of my Right of Rescission, they also failed to provide me with the appropriate forms to execute my rights.On XX/XX/XXXX I sent EXETER FINANCE LLC and written Notice of Rescisson and they have failed to follow through with my written instructions.
Consumer complaint received 2021-10-01
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. (SC)

I have sent in several certified letters to Transunion disputing the accuracies of my Credit report. I have disputed the Collections, closed accounts, and inquiries. I have asked to see proof on how how these collections, closed accounts, and inquires have been verified but have not had any success except the same generic statements that the accounts in question have been verified with no other explanation or proof. I have had the same collections removed from my XXXX report. I have requested that all collections, closed accounts, and inquires that I submitted on XX/XX/XXXX be removed from my credit report.
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (NY)

The following accounts are being incorrectly reported to belonging to me XXXX/XXXX  {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts are being incorrectly reported to belonging to me XXXX/XXXX {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (CT)

I mailed off my affidavit of truth " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit '' [ Group v Finletter , 108 F.Supp. 327 Federal case of group v Finletter, 208 F.Supp. 327 ]. 

Credit Collections Services never rebutted with an affidavit. An affidavit uncontested, unrebutted, unanswered, Morris v National Cash Register, 44S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accept as true ''
Consumer complaint received 2021-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/2021 Capital One Bank XXXX Va pulled my credit without my permission, on XX/XX/2021 XXXX XXXX XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl
Consumer complaint received 2021-10-01
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: American Acceptance Corp. of South Carolina (FL)

On XX/XX/2021 XXXX XXXX Fl pulled my credit without my permission, on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Va pulled my credit without my permission, on XX/XX/2021 American Acceptance XXXX XXXX, SC pulled my credit without my permission and I want them to removed these off my credit report on XXXX Sincerely XXXX XXXX XXXX Fl
Consumer complaint received 2021-10-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

1 ) raised a dispute request 30 days back with Transunion regarding my credit score decrease drastically, they investigated and gave some of the credit points, but not fully. 

2 ) raised a dispute request 30 days back with XXXX regarding my credit score decrease drastically, seeing same credit score even after investigation .. so raised second dispute with unsatisfied results
Consumer complaint received 2023-03-07
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. (FL)

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 I did not make these changes. I asked the items be deleted to correct my credit report. I have reported the identity theft 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.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (TX)

Ability Recovery Services is reporting a collection account for {$1100.00} opened on XX/XX/XXXX even though the account is from XX/XX/XXXX. I have disputed this with the credit bureaus, but Ability Recovery Services says it is accurate. I have attached proof of the actual date of collection in question.
Consumer complaint received 2022-05-27
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 an account without my written instructions