davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

After recently being declined for a new mortgage, my lender & I reviewed my credit report to find what is stopping me from approval. In XXXX I had a second mortgage with Ditech, the date of last payment was XX/XX/XXXX the account was charged-off and closed XX/XX/XXXX. As of recently Shellpoint Mortgage Servicing took over the charged-off account & reported the date of closing XX/XX/XXXX ( which is wrong ), those actions have cost me time & money by loosing out of my new home purchase. There are many issues with the reporting of this account : XXXX Wrong payment amount reporting, missing payment history XXXX Missing highest balance, missing payment history XXXXno terms XXXX date of last activity missing, missing highest payment I have tried to fix this directly with the credit bureaus with no resolution. 
If this matter does not get rectified, I will have no other choice to seek legal council.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (NJ)

this is true to the best of my knowledge also I am not using NO third party company. I've sent Lexis Nexis a letter on XX/XX/2022 stating to remove inaccurate information and I have yet to hear any responds. attached are my document ive sent them.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I have contacted Apple Support multiple times including today ( XX/XX/2022 ), and have not received proper help. Support bounces me around for hours just to say theres nothing they can do. I would rather work with a collector than Apple. My account was closed in XXXX for being past due, but my account was not past due ( look at attachments ). I dont want this card as Apple is terrible service, but I would like to settle ( which they said they cant do ) as I dont agree with why the account was closed and I dont see an end to their practices. They said the account will stay like this until I repay it and reapply 30 days after. Please help me as Apple thinks they can push us little guys. Thank you!
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ou are in direct violation of several sections of 15 USC 1681. 

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. 

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/2017 AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$62.00}
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/22, all day long up to midnight, my account showed a positive balance. My husband went and made a purchase that reduced my account to {$1.00}, but still positive. I watched it all day to make sure nothing was pending because I knew I'd be getting paid that night. 
I got paid at XXXXam that night ( so XX/XX/22 ). Suddenly, I have two bounced checks for insufficient funds and numerous charges and fees. None of these items came in UNTIL my paycheck hit, and then they tried to say they had posted the XXXX and that I'd had insufficient funds. If that were the case, I'd have moved some money over from my Merrill XXXX account if anything was showing pending. But nothing ever showed pending or attempted charges. I even have an email from them dated and timed for XX/XX/22 at XXXX. It says that I have a LOW balance. Low. Not that I had things pending, insufficient funds, or that I was negative. So basically they just acted like these things had been posted a day earlier than they really were just so they could screw me out of money.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/20 I found a swimming pool ladder on a website. The vendor was a company called XXXX. The purchase price XXXX. The product was being run through XXXX. I was given no purchase receipt or shipping information at the end of the transaction. On XX/XX/XXXX the amount changed to XXXX. I contacted Capitol one and reported as fraudulent charges. Capital one instructed me to close account to prevent this vendor from further charges. In XXXX of 2020 a fraud investigation was filed with Capitol one. I explained that no product was ever delivered to me. XXXX claims it was but no one could provide a tracking number or purchase receipt as requested. This was fraud from day one.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

For most of my bills I pay them using XXXX XXXX Online Bill Pay. On the XXXX of XXXX I logged into my XXXX XXXX account and submitted a Bill Pay request for the amount of {$1000.00} payable to Business Card Services for Bank of Hawaii. According to XXXX XXXX 's Bill Pay page my payment submitted that day ( XX/XX/XXXX ) would reach Bank of Hawaii on the appropriate due date of XX/XX/XXXX. This past week I received my new statement from Bank of Hawaii showing a {$16.00} late fee for that last payment. I logged into my XXXX XXXX account and the " history '' page shows that the check to Bank of Hawaii was cashed on XX/XX/XXXX, but when I called Bank of Hawaii to inform them of this they told me they didn't receive it until the XX/XX/XXXX. Clearly, one bank or the other is at fault here, but I'm the one being assessed the late fee penalty. Bank of Hawaii offered to " waive '' the late fee, but I told them this wasn't the correct terminology because it still implies I was at fault. Furthermore, most credit card companies will not allow you to ask for a waiver more than once in a 12 month period, and since this wasn't my fault I didn't want that to be my " one time '' waiver. I pay ALL of my credit cards IN FULL every month, but occasionally I might get distracted a miss payment by 1 day, at which time I'll call the to explain and ask for a waiver. I don't want my 1-time waiver being WASTED on a issue that I  didn't create. 
If I can add a secondary complaint to this thread : I also discovered that my new bill has a due date that is 3 days sooner than ALL of the previous billing cycles. Since opening this card my due date has always been the XXXX of the month. I keep a calendar with all my due dates on it so I can be reminded when to pay. I did NOT receive any official notice in writing from Bank of Hawaii that my due date would be changing, so this new statement was the first I became aware of it. When I asked the supervisor on the phone from B of H she said that because its a business card the due date has to fall on a business day -- to which I responded " bunk! '' I have tons of credit cards and the due date NEVER changes without a formal letter in the mail at least a month in advance notifying me a change is forthcoming. Is this recent date change by Bank of Hawaii a FAIR practice or just an attempt to set someone up for failure by slipping in a different date and subsequently creating a late-fee garnering opportunity for the bank? Please advise.
Consumer complaint received 2021-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good afternoon, I have tried submitting dispute requests via mail to XXXX/Transunion, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX  XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977
Consumer complaint received 2022-03-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. FAIR XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

I had ordered online XXXX sofas from XXXX 's using my Synchrony Bank Credit Card in XX/XX/XXXX. Did not receive the merchandise on promised date of XX/XX/XXXX. Called and cancelled the purchase with XXXX 's in XX/XX/XXXX, closed the Synchrony Bank Account in XX/XX/XXXX. 
XXXX 's force tried to deliver the sofas in XXXX. I refused the delivery because of change of circumstances. 
XXXX 's ran a {$690.00} return charge on the Synchrony Card for cancellation, and Synchrony Bank allowed the charge to go through on a previously closed account. 
So now, I am being asked to pay {$690.00} for merchandise that I did not receive. Synchrony Bank does not respond to my messages. Please help.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FirstPoint Collection Resources (TX)

I broke my wrist and went to XXXX XXXX XXXX to fix it on XX/XX/XXXX. After discharge, I received a bill from the hospital. I paid this hospital bill in full. Beside the hospital bill, I also received a bill of {$5400.00} from XXXX XXXX. I called them up, I informed them that I already paid the hospital bill, and they need to contact the hospital for their payment. Few months after that, I received another bill with the payment of {$1600.00} from XXXX XXXX again. I called them back again, and told them that I do not know them and did not call them for any service. If they have a contract to provide the service at the hospital, and they do not get paid enough from the hospital. They can not pass the rest of the payment to me. Its a problem between the hospital and this service. 
I already paid the hospital bill in full. 
XXXX XXXX sent the bill to FirstPoint Collection Agency, I called this agency on XX/XX/XXXX to explain my situation, and reported that I paid the hospital bill for my XXXX on XX/XX/XXXX. I do not know or do not call for any other services while being hospitalized at XXXX XXXX XXXX. Im not response for any payment if the hospital did not pay enough to his/her contractor.
Consumer complaint received 2022-04-08
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (IL)

I have requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I will be disputing these accounts with screen shots of contradicting information. along XXXX credit bureau. Although it is not illegal for XXXX  XXXX to report rolling charge offs they are required to be 100 % accurate, WHICH THEY ARE NOT. I also never received a 1099c to explain the charge off income on my tax return. These violations have severely damaged my life as it is impossible for me to take advantage of opportunities that come to those with good credit. I went thru a horrid time when I was forced to retire due to XXXX and XXXX XXXX not only sued me but are reporting these XXXX accounts every month as new charge offs. This to a XXXX veteran on a fixed income on XXXX accounts that I was never late paying for years. Section 1681i requires accurate reporting. section 1681s-2 imposes duties on data furnishers to ensure accuracy. Both of these codes in the FCRA are being violated. 

XXXX  XXXX ; no account number reported, balance {$8300.00}, XXXX and Transunion XXXX XXXX ; no account number reported, balance {$3400.00}, Transunion
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-21
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. (OH)

Dear Sir/Madam, I am writing to request the immediate removal of fraudulent accounts that have appeared on my TransUnion credit report. I have recently discovered these unauthorized accounts and wish to rectify this situation promptly. As a victim of identity theft, I kindly request your assistance in resolving this matter. 

The fraudulent accounts listed on my TransUnion credit report are as follows : XXXX  - Opened on XX/XX/XXXX XXXX XXXX  - Opened on XX/XX/XXXX XXXX - Opened on XX/XX/XXXX I would like to emphasize that I have never had any dealings or financial transactions with the entities associated with these accounts. The appearance of these fraudulent accounts has greatly affected my creditworthiness and has caused significant distress. I have meticulously reviewed my financial records and can confirm that there is no legitimate reason for these accounts to be present on my credit report. 

Given the circumstances, I believe it is crucial to investigate the origin of these fraudulent accounts. I am unable to provide any concrete evidence regarding how these accounts were established, as I have no knowledge of their origin. However, I assure you that I have been diligent in monitoring my credit report, and I would have taken immediate action if I had noticed these accounts earlier. The delay in discovering these fraudulent accounts is a testament to the cunning and sophistication of the identity thieves involved. 

I would like to bring to your attention that, as a consumer, I am protected by various laws and regulations, including the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 611, it is my right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, Section 605B of the FCRA stipulates that fraudulent accounts resulting from identity theft should be promptly removed from my credit report, once their fraudulent nature has been established. 

I request that you thoroughly investigate the legitimacy of these accounts and take immediate action to delete them from my TransUnion credit report. This will help restore my creditworthiness and protect my financial standing, as well as provide me with the peace of mind that comes from resolving this distressing situation. 

Enclosed with this letter are copies of my personal identification documents, including my driver 's license and Social Security card, to verify my identity and aid in your investigation. I trust that you will handle this matter with the utmost urgency and professionalism. 

I sincerely appreciate your attention to this matter and anticipate a prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your understanding and cooperation. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

Several debt collectors have called me on behalf of XXXX XXXX. The one that contacted me today was ERC. I already settled my debt with XXXX XXXX through XXXX on XX/XX/XXXX i the amount of {$180.00} which is 50 % of the total amount owed. I spoke to XXXX XXXX when I made the payment. The phone number she provided on XX/XX/XXXX was XXXX. She also provided a Ref # that I will provide upon request. XXXX who is also with XXXX, provided XXXX. When I called that number a gentleman answered and said that he would transfer me to the " correct department '' I asked, " What is the correct department? '' He repeated, " I will transfer your call to the correct department. '' I held for approximately XXXX XXXX and then he disconnected the call. Then, I placed a call to XXXX XXXX to ask for a list of their legitimate authorized debt collectors, so I know which ones to report to the FTC. My call was answered by XXXX who stated that her records show that I still owe {$180.00}. I insisted that I do not owe that amount, and I settled for {$180.00} on XX/XX/XXXX. XXXX confirmed that a payment in the amount if {$180.00} was made, but that I still owe {$180.00}. After an unresolved debate, XXXX transferred my call to another representative who could not find an account to match my phone number. He answered the call in XXXX, but I assured him that I am not fluent enough in XXXX for him to take my call. He also attempted to give me instructions to dial in again, and put in a series of " ten zeroes '' as opposed to my actual phone numbers. I stated that I am not willing to continue to follow their instructions, because I have not received a resolution for my request, nor were the seeking to honor my request, but to collect money that is no longer due to them. I informed the representative from XXXX XXXX that I would seek legal action against XXXX XXXX and all of those collecting on their behalf if I receive another phone call, because it is now harrassment.