davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

XXXX wireless has posted a 90+ days late status 14 times on my Experian CR. The account was legally paid in full and should not have posted any negative data on my CR due to my SCRA right to terminate any lease due to overseas deployments. I explained this to them many times but the negative data is still on my report. 
Additionally, the " XXXX XXXX XXXX '' collection agency should also expunge negative data from my Experian CR for the same SCRA right to terminate any lease due to XXXX deployments. Thanks for your help.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

The account of XXXX is being shown on my account after I have disputed it and provided a police report, stating that this account is not mine and is fraudulent. I have requested the account to be removed from my credit report and it has not been removed. It has been more than 30 days and nothing has came about ...
Consumer complaint received 2023-01-18
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. (NY)

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
Consumer complaint received 2019-05-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2019-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

Company was deceptive in there handling of my account after saying it was not on my credit report anymore Business was deceptive in telling me that this Care Credit account was not on my credit report and not to worry about the payments anymore Consumer 's Desired Resolution : I am furious with this company who sent my account to an attorneys office after they told me this care credit account was off my credit report and not to worry about payments. This has caused me severe spikes in XXXX XXXX, XXXX pain, XXXX and XXXX. I want an apology and I want this taken care of once and for all Synchrony Bank acted in a careless manner and caused me great suffering and stress
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past 5 years, I have been receiving letters in the mail from Bank of America associated with my BofA credit card. These letters are sent almost weekly with an offer to transfer balance from other cards to the BofA card. 

I've called BofA multiple times to remove me from their mailing list. In addition, I've followed their online process to remove myself from their online marketing. Moreover, I've filled out the " do-not-mail '' and " do-not-call '' registries available through third party organizations. 

BofA has been unable to remove me from their lists for some reason. When I recently checked my mailbox, I had 7 of these letters. The volume and frequency has gone past the breaking point - I need help to stop these letters from coming to me.
Consumer complaint received 2019-04-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NY)

I had a mortgage with XXXX and in XXXX my mortgage was transferred to Ocwen. I reviewed my credit report from XXXX in XX/XX/XXXX to discover that the XXXX Mortgage was never closed and there was a balance of {$470000.00}. However, my mortgage with Ocwen is XXXX. 

I believe that since XXXX this has been affected my credit score because the amount owed was reporting this total balance of {$770000.00}. I want to let others know that if you are not careful - you need to careful with mortgage companies. I believe this has impacted my financial wealth. I was not able to get credit in terms of a loan an credit report. I stopped applying because I was getting declined and felt embarrassed. 

I reached to Ocwen regarding this experience and they replied that they had insufficient information to remove this from my credit report. I moved on by contacting the credit agencies directly.
Consumer complaint received 2021-04-05
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: Conn's, Inc. (TX)

Conns XXXX  is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - XXXX - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against Conns and XXXX  for reporting this Id theft -
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I utilized my Home Depot credit card, as I received a coupon that offered special financing. All of my purchases were made before the expiration date listed on the coupon. 

Citi Bank / Home Depot Credit Card Services doesn't want to honor the special financing - they advertised.
Consumer complaint received 2022-01-08
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. (FL)

I have as morgage company a corrupted company bank. XXXX XXXX managed by XXXX  XXXX  servicing they were to be my mortgage lender on XXXX when they and right away started to sending me paperwork for a foreclosure and I asked them to showed me proof if the mortgage month missed if they will i will pay you but they never did. they started the harassment every month they charged for a late fee until last year around XXXX of XXXX my daughter gave me some money so I can stop the harassment they charged me {$1500.00} or more for late fees and a month. they claimed I owed. so they stopped the harassment now when I tried to get a refinance the other bank see all the late months and they are denied my refinance they see all the late fees XXXX XXXX  servicing claimed I owed on XXXX of XXXX XXXX XXXX  XXXX on one of the credit report they stated I never missed a payment and I was late in one or two months but never behind NO PAYMENTS MISSED you can checkout it so why XXXX XXXX servicing charged me for 20 or months of late payments i made a complaint on XXXX and XXXX of XXXX through the Experian the credit report agencies but they didn't care i made a complaint here actually the second one and one of the 1000 or more I did before for the same issue. collecting money than wasn't owe XXXX XXXX covers his criminal activity by hiring another corrupted criminals company as XXXX XXXXe servicing they robbed me they harassed me they took advantage of me it's some kind of crime couse they CAN!!
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, my Chase checking account was hacked. A person I have never dealt with or met in my life stole {$1400.00} from my account of which {$1500.00} was present. I informed Chase of the fraud and they refunded my account, allowed me to withdraw my money, and close the said account. However, on XX/XX/2019, Chase is calming the fraud was in fact not a fraud and is demanding I pay the money back to them. 

1. The total amount in my account was {$1500.00}.

2. My rent, which ALWAYS comes out through auto-pay, is {$1500.00} due on XX/XX/2019. 
3. I have no direct deposit or income source that is transferred into the chase account. 
4. Chase claims that I am lying and that I, for some idiotic and psychopathic reason, decided to quick-pay my rent to a random man that there is ZERO records of me ever dealing with before.

5. I have many other accounts that were also hacked such as : XXXX XXXX, XXXX XXXX, XXXX account, and XXXX. 
6. The man who supposedly hacked my account is named XXXX XXXX. A BASIC name search shows no XXXX XXXX residing in the United States. 

I believe that Chase has access to all of this information because of the ease that even an incompetent child could access it. However, they instead try and steal money from my account rather than do their jobs. Lastly, I would like to close with a logic question. If a man has rent due on the first of every month and that rent has been set to autopay for the last 5 years on the exact day, would a sane person decide to quickpay all of the money is his account to a strange whom he has never done business with and that resides outside of the United States?
Consumer complaint received 2019-04-09
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. (NY)

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : The XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (VA)

In XX/XX/2019 Resurgent Capital ServicesXXXX XXXX confirmed their understanding that I wished them to cease communication with me and to immediately stop emailing me at my share work email address where other people have access to my emails. I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. For a very brief time after they responded to my complaint acknowledging my request to discontinue communication, all correspondence stopped. A short time after, the aggressive emails began again on XX/XX/2019. Resurgent Capital Services/XXXX XXXX has made a conscious decision to ignore my request and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties. Emails come in every week. Im requesting escalation of my complaint to the FTC. Previously, Resurgent Capital ServicesXXXX XXXX falsified their contact records in order to claim no wrongdoing on their part. I have attached evidence of their continued contact and FDCPA violations. I am confident that a review by the FTC will show that Resurgent Capital ServicesXXXX XXXX has been dishonest and continues to break the law.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (OK)

I was served by Second Round LLC on XX/XX/XXXX about a debt that I didn't recognize. The document included a Bill of Sale to Second Round Sub LLC that said it was effective as of XX/XX/XXXX ( but wasn't signed until XX/XX/XXXX ). The description of the portfolio or package was redacted on the document I received. It also did not include who the Seller was, except for a signature that noted his title was XXXX. 
This was for a XXXX debt evidently, and the last payment listed was XX/XX/XXXX. I also have a date of XX/XX/XXXX for " Charge Off Account - Principals '' and " Charge Off Account " Finance Charges. '' I was able to find all of my previous XXXX charges, and I can't find these payments listed. Also, my XXXX credit account has been closed so I can't verify if the account number belongs to me. 
Also, XXXX still has my maiden name because I've had issues updating it, but these records have my married name. 
When I first received the summons, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a court date for XX/XX/XXXX. 
I called Second Round back when I was first served and they didn't have a record of me that corresponded to my social security number or date of birth, so they said it was probably sent to the wrong person. Then after I received the court date, I called them again and they gave me the same information but also that my address was listed for them. They gave me a number for XXXX XXXX XXXX. I wrote them a contact note and have tried calling multiple times ( I left XXXX voicemail ) but I get sent straight to voicemail every time. 
They also included a Status Report Pursuant to Servicemembers Civil Relief Act, which has my first and last ( married ) name but the last XXXX of the XXXX and the XXXX are redacted. When I tried to call the XXXX 's contact number to ask them to look up the certificate ID, I got a busy line every time. 
I have no way to truly verify if this debt belongs to me, but I am still being summoned in court after a year and a half of silence in regards to my answer.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AZ)

XXXX / XXXX Please be advised that this account was fully paid off to SEQUIUM ASSEST SOLUTION REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 XXXX has been sending me debt collection letters.
Consumer complaint received 2019-05-26
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. (LA)

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had an old utility bill which was purchased by a collection agency and they reported that the account was opened in XXXX of XXXX when this debt was from XXXX years ago. If this debt was based off the original date then this item should be removed from my credit report as it is over 6 years old.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam : I am a university professor who spends each summer abroad doing research in XXXX for his next book. During the summer, I always sublet my apartment, and have my tenant forward all my email on the first of each month. My tenant last year complied with my request and sent me my mail on the XXXX XX/XX/XXXX, the XXXX XX/XX/XXXX and the XXXX of XX/XX/XXXX. 

Although I got each and every piece of mail, I never received Macy 's monthly bill ; payment for it was due on XXXX XX/XX/XXXX as I understand it. 

I returned to the US from XXXX on XXXX XX/XX/XXXX. On the XXXX XXXX I discovered that the Macy ' card had not been paid. That same day I paid the full amount ( XXXX ), thus bringing the balance to 0. 

I called Macy 's to explain the situation. They instructed me to get a letter from the Post Office. I went to the Posti Office and they told me they can not prove or disprove that Macy sent me the bill any time during the summer. I explained all this to Macy 's Credit Office, but they have been most uncooperative and refuse to reconsider my case.

For the past several years, my credit score has been well  above 800 ; due to a clerical error on the part of the Post Office, my credit rating has now dropped to XXXX. This is having a very negative impact on my family finances. I am requesting that this be corrected immediately.
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I received a notification from Experian, XXXX and XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to Experian, XXXX and XXXX to delete collection immediately or I will be suing within 30 days.
Consumer complaint received 2023-01-27
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-08-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX  XXXX Balance {$900.00}
Consumer complaint received 2020-02-07
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: EQUIFAX, INC. (AR)

I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}