davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC. (CA)

XXXX XXXX XXXX has a problem with their account system and is trying to collect money I do not owe and will not take steps to fix it. 

I purchased XXXX XXXX XXXX ( XXXX ) invisible teeth aligners in XX/XX/XXXX and signed up to pay {$1800.00} financed through HealthCare Finance Direct ( HFD ). I paid the full amount financed in full in XX/XX/XXXX. I did not receive any notices of any money owed in XXXX or XX/XX/XXXX. 

Due to multiple customer service issues with the product, XXXX refunded me {$150.00} on XX/XX/XXXX. ON XX/XX/XXXX a notice was sent to me by HFD stating I was past due {$170.00} and I would be sent to collections If I did not pay. I also received a text message stating I was past due on this date. 

I verified on the XXXX website that I show a balance due. The website shows I missed a payment of {$34.00} on XX/XX/XXXX and I owed {$88.00} and I was past due {$170.00}. I contacted XXXX on XX/XX/XXXX and XXXX from XXXX ( who initially refunded me for {$150.00} ). talked to XXXX from HFD and XXXX said it was a glitch and would be fixed. I checked the website and it still showed a balance due. I talked to XXXX from HFD on XX/XX/XXXX who said it was a glitch and would be fixed. XXXX sent me a paid in full letter that stated " your account is PAID IN FULL in the amount of XXXX ''. That letter is incorrect. My account is paid in full for {$1800.00}, and I have been refunded {$150.00} by XXXX I called on XX/XX/XXXX and spoke to a supervisor XXXX who said I received a letter showing paid in full. I explained the letter was in error, that I needed a corrected paid in full letter, that I am receiving false debt collection letters and XXXX needs to be corrected. She said she would escalate it but she could not fix the portal because of a technical glitch. She said she would take 5-7 days to fix. I explained that 5-7 days has already passed since this was reported on XX/XX/XXXX and I was getting false letters and collection activity. 

HFD when I call states I do not owe money but their portal and their automated computer keeps asking me for money which makes me call them to verify I am paid in full. They have not been able to fix the debt on my online account to show I owe {$0.00} and I am paid in full. I have asked them to provide me the name of their compliance officer and they have refused.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (TX)

CRA VIOLATION / NEVER LATE ON THE ACCOUNT. 
CRA VIOLATION / NO KNOWLEDGE/ TOO MANY INQUIRIES ON MY CREDIT REPORT.
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is a follow-up complaint letter to the resolution letter for complaint ID XXXX. I got scammed through XXXX with the amount of {$2500.00} on XX/XX/2022. At that time, when I deposited the check via the BofA mobile app, Bank of America has failed to inform me that there might be insufficient funds to use because they needed time to validate the check, and they did not put a hold on my deposit. If they had placed a hold on my deposit and informed me properly that the check must be validated, a scam could have been prevented. This was not the case when I got a deposit check on XX/XX/2022, immediately I got an email from Bank of America saying that they have placed a hold on that check, and the full amount is not available yet. However, I have not received the same email from Bank of America when I deposited the check on XX/XX/2022. Had they sent me the same email on XX/XX/2022 when I deposited the check warning me that the amount is not available yet to use and might be available 2 days later, I would never have become a victim of the XXXX scam. That being said, after 2 days of putting the amount on hold, the check would have been returned because it was a fake check, and I would know for sure that it was a scam. Bank of America lost my money.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Citi Advantage Platinum Select MasterCard - ending in XXXX. 

I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 2 statements.

These false and incorrect statement descriptions, Late Fees, and Credit Agency reporting need to be corrected. Citi Bank needs to credit all Late Fee charges, remove 100 % of statement interest charges, re-issue the monthly statements with the corrections, and correct fix these reports to all Credit Report agencies. 

Repeated efforts to tell Citi Bank to stop with the harassing phone calls never ceased, and I was put into a position to agree to an account payment plan and this account was Closed as a Result. 

Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee '' Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee ''
Consumer complaint received 2023-02-21
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. (AZ)

I am verry concerned I have been following my credit report for the last 3 months vigorously to improve my consumer report. Today I receive a notice that a collection has been added to my account. One that I have never heard or seen about. The original company is XXXX XXXX XXXX now sold to XXXX XXXX. 

Please investigate this account as it says it was oppened XX/XX/2023. My XXXX has a fraud alert and so does my Equifax no one should be able to open this types of accounts without calling me. 

Theres is no account number listed on my credit report.
Consumer complaint received 2023-02-09
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)

Reinserted a collection in the past due amount of {$430.00} also, a opened date of XX/XX/2022. This account was removed and resolved with previous assistance of a cfpb complaint and has been reinserted without my knowledge and or a written notice. 

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. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681i 5 ( B ) section states Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( ii ) Notice to consumer ( iii ) Additional information : written notice to consumer ( C ) Procedures to prevent reappearance ( D ) Automated reinvestigation system
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

Hello, Back in XX/XX/XXXX, my mortgage company sold my mortgage to LoanCare. On my statement back on XX/XX/XXXX from my previous mortgage company they gave me my new loan number and where to send my payments. On XX/XX/XXXX, I still haven't heard from LoanCare, I had not received a statement or any communication so through XXXX, I sent my XX/XX/XXXX payment to LoanCare with the loan number that my previous bank gave me. The payment of {$2500.00} went through and I thought I was good. Fast forward around XX/XX/XXXX I received the statement for LoanCare saying I owe for XX/XX/XXXX. I called them and they said they have no payment from me. I have sent sent my statement, transmittal, and loan number ( s ) to this company and they keep saying they need more information like my statement. I have sent it several times, but they keep " denying '' me saying they don't have the information. I have proof through my statement and transmittal that I paid my mortgage for XX/XX/XXXX. XXXX has even tried helping. They have my money but won't apply it to my mortgage. They actually said it was my fault for putting the wrong loan number on it. I need an advocate. LoanCare has been terrible to communicate with and I just want to make this right.
Consumer complaint received 2023-02-20
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. (WA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2024-01-20
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. (MS)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX sincerly XXXX XXXX
Consumer complaint received 2024-01-20
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. (NY)

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 2024-05-04
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX card ( Synchrony Bank ) closed my card with excellent payment history stating I had XXXX returned payments. I only had the card less than a year, maybe XXXX or XXXX months at the most! My bank was kind enough to concoct a letter and send it to them along with all my bank statements showing that nothing was ever returned. This fell on deaf ears and they refused to reopen my account, I did pay it off, against my better judgment and against my will, but I was trying to recover from a bankruptcy and improve my credit. Of course this dumped my credit down significantly this was back in XXXX or XX/XX/2023 that they close the card. Additionally, I called in and spoke to supervisors, and they scanned my entire account and never saw any returned amounts of money from my bank stating that essentially my payments were returned and they kept documenting and contacting the Department handled this issue ; again in deaf ears!! 
I noticed on my credit reports, recently, that they are reporting I closed the card! I can not believe that this is being allowed. When I try to fight them about it, they leave it there. XXXX credit bureau will remove it because they said that theyre only using the information given to them by XXXX/synchrony bank XXXX I had another synchrony bank account with XXXX XXXX and I immediately paid it off back then and got rid of synchrony Bank! This needs corrected because I know its pulling my XXXX XXXX down. They need to reopen my card. They have all the bank statements and a letter from my bank proving that return payments never happened! And still They turn a XXXX XXXX! Why are they allowed to do this?
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC (TX)

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy.
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

I saw In XXXX on XXXX XXXX that I had a past due amount in collections for {$4600.00}. I called Jefferson Capital who is the debt collector and they said they could get rid of the debt for {$270.00} XXXX time charge and a {$99.00} per month membership. I declined the offer and decided to reach out to XXXX directly. I told them about XXXX weeks ago what happened and gave them my full name and social to look to see if there was any kind of account current or past. There was no account and they said they would send it to higher ups and send me an email with an update. I never received an email so I filed a report with identity theft.gov. I received XXXX emails XXXX from identitytheif.gov and one from Jefferson capital that they both received the complaint. Then I reached out to XXXX through the XXXX help XXXX and got them to search through the database again and still no account. I then asked if they would write in response stating that theres no account and never was and I screenshotted everything.
Consumer complaint received 2023-02-03
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (SC)

These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX,, XXXX, OR XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, LA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , GA XXXX Dispute this
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed XXXX XXXX Bankruptcy in 2015 and this account was included. It was removed from my credit report along with other accounts that were XXXX. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was XXXX in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my consumer reports and noticed that I had XXXX hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to best of their ability and with maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks! Please see the below inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX  DAYS, INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX