davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (LA)

Synergetic Communication , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, www.syncomcorp.net has been sending me mail correspondence claiming I owe a credit card debt of {$2400.00}. The latest mail was received on XX/XX/2022 with an offer to pay a discount offer of {$610.00}. Each mail I get keeps offering a lower discount payment. The problem is that this company is trying to collect on an account for a XXXX card from over 20 years ago that I never had. I do currently have a XXXX  card and called XXXX to see if this collection attempt is legitimate and they have no record of my name in their system going back that far, as I know I didn't possess a XXXX card that many years ago. This letter contains specific language stating that if I act on this debt in any way via making a payment, sign a paper admitting that I owe the debt and promising to pay, or sign a paper in which I give up " waive '' my rights to stop the debt collector from suing me in court to collect the debt. There is no way I will contact this company in any way so that they can use me contacting them to open up an entirely new debt collection that will last for the next 10 years until the statute of limitations expires again ( according to their bogus claims of me owing this debt ), thus opening the opportunity for these scam artists to sue me. Now, if I attach the letter I received and it is sent to this scammer, will that constitute them reopening this account to sue me? I would hope that is not the case as I'm just simply providing documentation of this company sending me this bogus collection mail document. 

Now, this was all premised by them saying that this debt is too old for me to be sued due to statute of limitations and I can't be required to pay it through a lawsuit. 

This nonsense harassment from this scam company has to be stopped. I can't imagine how many other people receive these same letters trying to scare them into submitting to their scare tactics. This nonsense has to stop and this company needs to be shut down and have to pay penalties for sending random people bogus collection letters.
Consumer complaint received 2022-08-18
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the items listed below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Consumer complaint received 2020-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am XXXX year old struggling to make a living during this pandemic period. My sole current income is Social Security {$450.00} I do not even qualify to file an income tax return. I have no idea as to why Bank of America is running after me to collect a wrongful credit card Judgement for {$19000.00} Bank of America - Plaintiff vs XXXX XXXX Pro Se - Defendant. Attorney for Plaintiff XXXX XXXX from the Law Firm XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - NY XXXX. Bank of America won credit card debt Judgement {$19000.00} on XX/XX/XXXX - XXXX in the Supreme Court of the State of New York - XXXX County Index no. XXXX XXXX Defendant filed Stay of Motion Pro Se on XX/XX/XXXX - XXXX for following reasons : 1 )  Defendant was denied the opportunity to retain legal counsel. 2 ) Plaintiff was awarded Judgement even though they failed to validate the credit card debt. Plaintiff failed to produce the credit card agreement dated XX/XX/XXXX - XXXX. Plaintiff attorney told XXXX XXXX XXXX XXXX in a Court hearing on XX/XX/XXXX - XXXX that the said credit card agreement was not available. 3 ) Plaintiff handed the Court as exhibit 3 incomplete documents of said credit card debt thereby making it impossible to validate the claim of {$19000.00} In fact credit card statements of several months and periods were missing and was not included in exhibit 3 that was presented as evidence to the Court. 4 ) Defendant has no knowledge of the credit card purchases and Plaintiff did not present the Court evidence that Defendant paid for the credit card purchases. 5 ) Defendant was railroaded because case was handled Pro XXXX. XXXX XXXX XXXX us assume XXXX has a case. This credit card dates from XX/XX/XXXX - XXXX up to XX/XX/XXXX. A period of 15 years. Plaintiff has in fact come out whole by charging very high interest rates and fees.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citibank has several credit card products that reward spending on them with XXXX XXXX miles. I have used their cards extensively the last several years and have accrued a significant number of miles in the AAdvantage program. 

XXXX  has recently closed my account with them alleging " accrual of ineligible miles and benefits ; through fraud, misrepresentation and/or abuse of the AAdvantage Program. ''  I have done no such thing and have only earned XXXX  miles through legitimate spending on Citibank credit cards. 

Neither company has responded to my requests for more information regarding the alleged fraud and by closing my account they have effectively robbed me of over {$15000.00} of accumulated miles. I used my Citibank cards in good faith and expected them and their partners to hold up their end of our agreement. Citi is responsible for the companies that they choose to partner with on financial products and it should not be up to me to chase down fraud claims when all the points were awarded from Citi. 

I seek immediate reinstatement of my XXXX  account or fair monetary compensation for the value of the miles in the account.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Modern Adjustment Bureau (CA)

DR  XXXX XXXX sold my medical information and violated my HIPPA rights to the company MODERN ADJUSTMENT BUREA. 

Also XXXX  is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NJ)

I filed the complaint against XXXX, XXXX XXXX and XXXX XXXX. However, the third company is Comenity Bank XXXX. As per the attached, they still have not corrected the issue and made it even worse. Please help!!!
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Today, XX/XX/XXXX, I requested my free annual credit report from Equifax through the website XXXX. I received an error message, " We are not able to deliver your free Equifax Annual Credit Report online. '' The error message went on to direct me to request my report by mail, requiring me to send several sensitive documents to them, one of which needs to include my SSN.  The message did not explain why this is necessary. 
I have received this same error from Equifax each of the last 7 years. In XXXX and again in XXXX I did request my report by mail, sending them a paper form and copies of my Social Security card and driver 's license, for which I eventually received my reports. But they appear to have not updated their records, as the error continues to exist. 
After my XXXX online request was denied, I filed a complaint through the site XXXX. I received an automated reply from Equifax requiring me to call their phone tree. I declined to let them waste my time there. 
It's been over ten years since I've moved or made any other changes to my personal information that might confuse a credit reporting agency. XXXX  is able to provide my online report every year, with access to the same information as Equifax.

The unnecessary extra work, cost, and time delay imposed on me every year, as well as the risk of sending my sensitive personal information through the mail, may or may not be a deliberate attempt by Equifax to discourage me from requesting my report from them, but it sure does work that way.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX XXXX XXXX erroneously reported that my account in good standing with them was included in a new bankruptcy. I filed bankruptcy in XXXX the bankruptcy case was closed in XXXX. All debts included have been discharged. The account with credit one was opened AFTER bankruptcy and was not included. I have nor will I ever again file bankruptcy. My accounts are all 100 % paid on time. This is erroneous and possibly retaliatory because I reported them to your agency for incorrect balances a few months ago. They also show the account as closed. It is not closed, I still make payments, my online account is still open. They need to fix the following errors : Remove the erroneously reported new bankruptcy. Thet need to accurately report the account as open in good standing ACROSS ALL CREDIT BUREAUS.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with XXXX XXXX XXXX XXXX. I also never authorized XXXX XXXX XXXX  to release my medical information to a 3rd party collection company. 

XXXX XXXX XXXX XXXX is reporting invalidated debt. 

Experian is as well in violation of my HIPPA rights reporting invalidated debt on my credit report.
Consumer complaint received 2019-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NY)

XXXX  XXXX put an In Collection/charge off status in my account. This derogatory mark has blocked me from getting credit cards, Business opportunities, Apartments to rent, personal loans and others. 

I was never called or notified by this company about this problem. All I know is that I helped a friend buy a car and now he is in prison and the police confiscated the vehicle. He stopped making payments because of this situation and maybe that's why XXXX decided to close the account and put it in my credit. 

However, they never call me once to work out a deal or to ask me what is going on ; thus, I never thought of it, since I did not even have access to this account! 

They just decided to put this derogatory mark on my credit and trying to ruin my life.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XXXX is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use Quicken Loans since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.
Consumer complaint received 2023-07-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Onity Group Inc. (NY)

The Consumer Financial Protection Bureau ( CFPB ) is issued an advisory opinion to affirm that the Fair Debt Collection Practices Act ( FDCPA ) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt. Accordingly, an FDCPA debt collector who brings or threatens to bring a State court foreclosure action to collect a time-barred mortgage debt may violate the FDCPA and Regulation F. 

The Debt collector has filed a Motion for an order confirming referee report and judgement of foreclosure and sale. This mortgage was accelerated on XX/XX/XXXX  ; almost 10 years ago and is therefore time barred by almost four years based on New York 's six-year statute of limitations. The newly enacted Foreclosure Abuse Prevention Act provides that all acceleration events, whether occurring prior to or by way of commencement of an action, are presumptively valid unless a prior action was dismissed upon a timely interposed defense, asserted in a defendants motion or application, based on a express judicial determination that no valid election to accelerate the instrument occurred prior to or by way of the commencement of that action. The Debt is time barred and the FDCPA and Regulation F prohibit a debt collector from suing or threatening to sue to collect a time barred debt.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates, LLC took TRIPLE the amount authorized by us ( via a recorded phone call they verified through their review process ) out of our bank account on XX/XX/2019. Through our multiple attempts to get this reversed/resolved, weve been lied to, rudely addressed, given the run around, and are yet to see any money back. How are they allowed to steal from individuals who have followed their company policies? How are they allowed to accidentally withdrawal over {$2000.00} beyond the authorized amount? Who protects the rights of individuals? We were told on XX/XX/XXXX that the refund was processed, addressed, verified, and our money would be refunded by XX/XX/XXXX. Today, XX/XX/XXXX, we were told by an Executive Director that it was our bank that wasnt accepting the refund ... our bank shows no communication from XXXX. Another phone call resulted in a representative stating a refund was processed 15 minutes ago, and your refund will be in you account within 24 hours. We need someone who can help refund the more than {$2000.00} that was stolen from our bank account.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I opened an account on XX/XX/2018 and was promised a {$600.00} dollar bonus within 60 days. I called Citibank and they told me to wait another 90 days, which I did. Every supervisor ( XXXX, XXXX ) told me I was eligible for the bonus. It has been 6 months now and I have not received it yet. I have tied up {$50000.00} and have even opened a dispute. Still no bonus.
Consumer complaint received 2022-08-18
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 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. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge.XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (IL)

As a current customer of XXXX/XXXX  XXXX for internet service, they allowed for a second account to be opened under my information, using a different address, and never attempted to notify me about it. As their current customer, they should be able to see that if a second account is attempted to be opened, some sort of notification should be sent to the current method of communication to confirm new service. And I only was able to determine the information of the fraudulent account from the third party collection agency that place a negative trade on my credit bureau. XXXX was not even able to find a second account under my information when I called in. Their failure to protect their own customers puts every since person that does business with them at risk for identity theft by not verifying information correctly.