davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from XXXX XXXX XXXX, XXXX. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (CA)

This is my fourth 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 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 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 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

This company " American Coradius International '' sent a collection letter to us stating that XXXX is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY XXXX account that we have, so how is it that we are in collection mode from XXXX? 

So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of XXXX.
Consumer complaint received 2022-09-02
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-01-30
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. (AZ)

I challenged my credit report far years with No results they are not doing anything to get information deleted under fair credit act it's a federal Law I am a XXXX veteran their not moving information off my credit report every time I challenge something on my credit report account information is current when it's not
Consumer complaint received 2019-12-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I made an ESCROW payment of {$1300.00} on XX/XX/2019 to Bank of America. Bank of America placed the payment of {$1300.00} towards the Mortgage amount INSTEAD of the ESCROW account. Now Bank of America is trying to raise my Mortgage Monthly payment to make up for THEIR discrepancy and error. They are practicing Predatory Loan processes and trying to make my Monthly Mortgage Payment to an unreasonable amount that would cause me to lose our home. Bank of America is a greedy bank with no soul and do not care if we lose our home. Bank of America has attempted this in the past with my daughter who was an XXXX Veteran and caused her to XXXX XXXX. Now after her death Bank of America resumes to practice their Predatory " lending '' practices with me, despite my daughter paid the ultimate price for our home she deeply wanted for her family that she worked so hard for. I pray that you can help our family keep our home. We have been paying Bank of America the every Monthly Mortgage Payment ( s )  since my daughter passed away. 
I want them to leave us alone and quite trying to take our home away despite the fact that they're getting paid on a timely basis. When our equity gets at a high point they charge us phenomenal fees in order to make us get behind and they have succeeded in the past with my daughter. I want them to be honest in honor of my daughter and place the payments they have received in their correct accounts and quit making up more made up fees in order to keep us from catching up on our mortgage in order for them to take away our home. 
XX/XX/2019 I spoke with Bank of America Customer Service personnel by the name of " XXXX ''. He stated they have approved my request to put back the escrow payment I made XX/XX/2019 of {$1300.00} into my escrow account. XXXX also informed me that there was another amount of {$1400.00} that was also deposited into my escrow account recently from mortgage payments. With the {$1300.00} + $ XXXX= {$2700.00} TOTAL was deposited back into my escrow account. XXXX then preceded to tell me that my monthly mortgage payment would still be increased from {$870.00} to {$1000.00} despite the original requested payment of {$1900.00} was paid in full and then some. I truly believe Bank of America has been doing this all along and has purposely caused my deceased daughter 's escrow and/or mortgage payments to continually rise to a point she XXXX XXXX. My daughter was an XXXX Veteran and had many XXXX  ( XXXX ) issues along with medical issues due to her XXXX in XXXX XXXX. I refuse to allow Bank of America to proceed practicing their predatory loan practices after what they contributed to my deceased daughter 's XXXX. Please help our family keep our home my daughter fought so hard for. Thank you. 
Mother of XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX
Consumer complaint received 2024-03-14
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. (NM)

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. 

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 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

This company Sagestream Stated in the response to my previous complaint that The documents I sent them via Fax did Not match my identity documents that were sent. I am attaching the SAME documents that I sent Via fax to this complaint so that the record shows they were correct, seems like they are toying with me at this point and I am frustrated.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my credit.
Consumer complaint received 2023-02-18
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. (TN)

In accordance with the Fair Credit Reporting act XXXX 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 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 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX  XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America took my application and pulled a credit report when I had not completed the application and was trying to contact them. I reached out multiple times and was promised call backs that did not occur. I was told they contacted me but they did not. There was finally a call back to my initiated call to them. The application was not complete and I should have had the option to call with more information ( which I had ) and to cancel the application if I chose to. It is not fair for them to pull a credit report with an incomplete application. I asked for the inquiry to be reversed and they said they can not and will not do that. I did not get a credit card, the reference number is XXXX
Consumer complaint received 2023-02-18
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. (NJ)

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-24
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. (NY)

Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from XXXX and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

3rd time this company has charged me a fee after I had already paid the card off in full before the next billing cycle. Granted it wasn't before the first billing cycle after I bought the item, but I pay off the card in full. I owe 0 before the next billing cycle and they charge me a fee. They have done this to me 3 times now. I paid the {$2.00} once. The other 2 times I had to fight it and they were " Oh so generous and waved the fee ''. This is the only company that does this, repeatedly. It's a Macy 's credit card. First was store only, this time it's a Macy 's Amex card. I had paid it off on XX/XX/XXXX in full and today I got a bill for {$2.00} and spoke to me telling me because I hadn't paid it off in full. This is frivolous charges, and the only company out of several that has ever done this. Other companies don't charge anything as long as you pay the bill in full before the next billing cycle. Then they lie and say " well it's because we don't charge interest in advance ''. No one does, you only start charging after the first billing cycle and once it's paid in full... quit charging. Not them.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.