davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-02
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: Prosper Marketplace, Inc. (NY)

XX/XX/2022 RE : 15 US Code 1666b - Timing of payments- Legal Information. 

Dear Sir/Madam : I checked my personal credit report, which I acquired from my XXXX  on XX/XX/2022 and I noticed a late payment from your company on it. I request that you initiate an investigation into late payments pursuant 15 USC1666b -Timing of payments to determine if PROSPER MARKETPLACE was in compliance of this law when issuing this late payment on my report. Once your investigation is complete, and you find my allegation to be true, please remove the unauthorized late and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

hello I am writing prayin that you can do something about the ill manor in wich XXXX and experian are handeling an identity theft/fraud submission to them.The very same files that they are sayin were returned as accurate were deleted off of XXXX.What good does it do to file a police report and follow the outlined procedure where what is happening here was happening with the online disputes.I asked both bureaus to block the files while the investigation was on going as it wojuld not stay killing my score advising them of section 605b of the fcra and that is was my right instead of being helped i was greeted with attitude and no action.I haved tried to explain to them both that included in the police report were the names of gthe 2 perpertrators or at least thats who im sure of, and it is my mother and sister, and that of course if you ask these companies if the account is accurate they are going to say yes 1.they want to be paid 2.they do have XXXX XXXX information but the entire reason for the police report was a sworn statement punishable by jail where i stated it was not me they got the information from .They recieved it from people living in my house and its rather embarracing to have to keep going over the fact that my mother and sister have stolen from me like this i feel i am being made a joke all the while doing absoluly nothing i am including the accounts in question in pictures so that you may see the damage they are idley letting happen to my credit score daily I HAVE BEEN GOING ROUND AND ROUND FOR MONTHS I DID WHAT WAS ASKED OF ME SWORE A STATEMENT SAID I WOULD AIDE IN THE PROSECUTION OF THE PERPETRATORS, THEY TREAT ME TERRIBLE AND I FEEL LIKE IM BEING LAUGHED AT BY THEM FOR WHATS IS HAPPENED WHAT MORE DO THESE PEOPLE WANT FROM ME IF IT WAS THEM IN MY SHOES THEY WOULD UNDERSTAND THAT BEING WHO IT WAS WHO DID IT AND WHERE THERE WERE LIVING THE COMPANY JUST SAYING YES THE ACCOUNT IS GOOD DOES NOT HOLD WATER BECAUSE IM SURE THEY HAVE MY INFO THEY THOUGHT THERE WERE ISSUING CREDIT TO ME BUT KINDLY THEY WERE NOT I AM NOT THE FRAUDSTER PLEASE ENFORCE THIS AND HAVE THESE FILE DELETED PLEASE **********PLEASE LOOK AT THE PICTURES AND LOOK AT THE THAT IS BEING DONE THEY SHOULD HAVE TO CORRECT MY SCORE THIS HAS GONE ON 2 LONG WITH ME EXCLAIMING THAT I AM NOT THE FRAUDSTER, MY NEXT RECOUSE WOULD BE THAT I WILL HAVE TO SUE THEM FOR THE DAMAGE THEY HAVE AND ARE CURRENTLY DOINGITS MALICIOUS AT BEST AND BORDERLINE CRIMINAL
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (NC)

I sent i a complaint on XX/XX/21 but since i didn't put in an e-mail. I can't see the status. I sent a dispute to all 3 credit reporting agencies and they didn't respond in 30 days.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America stated I had a personal credit card account with them that they filed a claim for in my personal bankruptcy of XX/XX/XXXX. The account in question was not with BofA and was a XXXX XXXX XXXX   business credit card account. 

BofA has fraudulently posted and reported a derogatory business credit card account to the major bureaus since XX/XX/XXXX. I have complained to BofA and they have recently sent me out the account history for my XXXX XXXXXXXX business card. I asked first for my business contract between XXXX XXXX and my self for these charges. BofA has lied to the CFPB and me about saying that because the credit application is 13 years old, it is not available. That is a complete fabrication and lies because BofA like with many of their mortgage loans they take over, they do so without the appropriate assignment notice to debtors ( Which would not be 13 years old ) and they do not have those documents, I was never noticed and they can't produce that notice either. Prior litigation we are investigating shows BofA plays fast and loose with the assignment of debts it buys and trades. I have received a call from a FTC investigator regarding BofA 's games for a regulatory offense. I'm waiting on more documents of other information XXXX XXXX is secreting and a final decision from her or her supervisor I have reached out to for resolve before I speak to investigators. 

Apparently there is an ongoing history of contract fraud and document fraud on the part of BofA and its outside and/or third party loan servicing I wasn't previously aware of .... I believe it's now my duty now to see that justice is done for all the other people who have been harmed by BofA. This all started out as an incorrect reporting of information into my report/s from a Business account XXXX XXXX   Card and now it is quick evolving in to an SEC and FTC investigation. In light of XXXX XXXX continued acts and BofA coverups, I'm sure she will be subpoenaed to answer for her actions and BofA cover ups, she is destined to be a real shooting star here. Way to go XXXX XXXX, you have opened BofA up to millions of dollars worth of damages/fines .... I'm sure that won't bode well for your great XXXX page and resume.
Consumer complaint received 2023-08-09
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: RELIABLE FINANCIAL SERVICES, INC. (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2020-09-25
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: SYNCHRONY FINANCIAL (PA)

Synchrony bank closed my paypal credit card account on XX/XX/20 ( without reason ) which is the same day my rewards points were to be issued which would have amounted to {$160.00}. If the intention was to close my account why did they allow me to continue to make purchases in bad faith - no intention to honor the 2 % rewards agreement. I would have taken my business is elsewhere if I knew I they were going to stop honoring their agreement. They also never issued {$200.00} in points that they had agreed to in their online chat service many months prior- I was told to wait for several bill cycles and that I would be receiving a letter. Never recieved a letter. 
It is their right to close my account but the timing, failure to honor reward agreement, and failure to disclose a reason are in my opinion GROSSLY deceptive and nefarious practices.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I am writing this letter to file a complaint against Citizens Bank. I applied for a mortgage with Citizens all the way back in XX/XX/2020 and I am still waiting to close the loan so that I can use the cash for my project yet the bank is stalling the process by constantly telling me that I am almost there without giving out any details or properly responding to my messages. Most messages to my loan processor are not returned. I could have worked with another bank if they honestly told me that it would take longer than 6 months to get a mortgage from Citizens but I have wasted many months waiting for them to close this loan so that I can move on with my life. 

The loan officers try to make your application look as if you just started the process in order to make the back log numbers under control by telling customers that their file has just been completed months after the customer 's original application date. 

If you audit this bank you will also notice that they have a long back log of customers waiting for an approval since they have very poor IT infrastructure. It is very common for them lose your documents and and ask for bits and pieces of documentation although I have provided the same document months ago. 

Institutions with poor infrastructure like Citizens are slowing down flow of credit to XXXX consumers despite tremendous efforts our government has provided in order to prop up the XXXX economy. However credit is being held up by institutions like this due to poor management and poor infrastructure. 

I have significant amount of documentation I can provide to show how poorly managed the underwriting process is.
Consumer complaint received 2019-06-26
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: Midwest Recovery Systems (AL)

Midwest Recovery reported a collection on my credit report on XXXX19 of XXXX. I have not done business with this company, nor received communication of this debt. when asked for validation of debt no information was validated
Consumer complaint received 2024-03-04
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)

I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.
Consumer complaint received 2019-04-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX XXXX in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating XXXX-XXXX  medical hardship, which resulted in her being in the hospital and XXXX for 34 days. I communicated this in XX/XX/XXXX, along with numerous calls to XXXX XXXX regarding each account that we had associate with XXXX XXXX. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's XXXX-XXXX medical condition. In turn, I continued to receive calls regarding the account. At this point. I have been receiving over 100 multiple calls from this credit collection agency and others regarding this account, which has caused undue XXXX XXXX and XXXX along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both US military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on XXXX my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for TransUnion and XXXX XXXX however shows " Paid '' for XXXX Inaccuracy # 2 : No. of months ( terms ) : 9 months for TransUnion and XXXX, but 0 months for XXXX XXXX # 3 : Payment Status : " Collection/Chargeoff '' for TransUnion and XXXX, XXXX " Unknown '' for XXXX. 

Inaccuracy # 4 : Date Last Active : XXXX different dates. 
XX/XX/XXXX for TransUnion XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last Payment:XX/XX/XXXX for TransUnion and XXXX, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.
Consumer complaint received 2023-08-22
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Assoc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-12-14
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. (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/ I wrote a letter to XXXX XXXX explaining that my payments are late because of a loss in the family and I had to help with funeral cost. I ask the company if they could stop interest and not let my account go into collection. I received a response back that had nothing to do with my issue as stated in my letter. Today XX/XX/ I spoke to a representative who did not give his name but was not understanding the issue that I was stating. I told him that I was only able to make a payment of {$100.00} starting in XXXX because of my financial hardship I'm going through with helping my family with the loss of my loved one funeral cost. He stated that I have to make the mim payment of {$900.00} and I told him I do not have the money because of my financial hardship. He said then my account would be closed. Which I don't think is fair because they are not trying to help or be understanding of my situation.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Calvary Portfolio Services LLC Account XXXX XXXX I have a collection notice in my credit profile in which I have never spoken with this company Calvary. For some reason this company has been reporting as a creditor on my file. This company has used my personal information and applied their alleged debt to my credit report. This company sent me paperwork claiming that they are the current creditors. To my awareness this company is supposed to be labeled as a debt collection agency therefore they are using false and misleading information by using coercion-to receive alleged debts. Some of the methods shown below is offering discounts to an increased amount they created.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

EQUIFAX, XXXX XXXX XXXX Ga, because Equifax won't remove the hard inquiries, XXXX XXXX and XXXX  will not either. 

After cleaning up my credit in order to purchase a home, Equifax place a freez on a credit line costin me points needed to qualify for down payment assisantance, then placed a massive amount of Inaccurate Hard Inquiries, During a period of rate shopping for a home in XX/XX/ inquiries where made on my credit report. Some inquiries where duplicate inquiries. I later found that this was being reflected on my credit report. 
This is the 2nd time I have contacted all three credit reporting agencies requesting the removal of Hard Inquiries from my credit report. As a result of a failure to comply with the requirements of the FCRA, I have suffered, and continues to suffer, actual damages, including economic loss, denial of credit, lost opportunity to receive credit, damage to reputation, invasion of privacy, degraded social standing, and emotional distress XXXX XXXX XXXX XXXX NOT AUTHORIESED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX DUPLICATE INQURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX REQUESTED REMOVAL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX MULTIPLE INQUIRES XXXX/XXXX XXXX XXXX REMOVE INQURY XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX  XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX XXXX CA, XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I have worked very hard in cleaning up my credit and have suffered the cost of losing bond money as a 1st time home buyer and still suffer of having to pay a higher interest rate due to hard inquiries. There are also Zombie accounts that keep being placed on my credit report.
Consumer complaint received 2023-04-08
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. (TN)

This company, XXXX, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX  for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this XXXX  company as I don't owe them anything. I paid XXXX & XXXX XXXX. Yet this company placed this on my report as a collection and in turn Transunion dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet Transunion has not responded. I showed them proof. I contacted XXXX  and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX account. So they should be in this complaint as well. Yet, XXXX still sent this to the credit bureaus AFTER the fact. This is causing undue stress.
Consumer complaint received 2023-06-20
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: JPMORGAN CHASE & CO. (NJ)

I have a Chase card and accumulated reward points. I spent these points in XXXX ( I can't get a better date because Chase changed its website to where you can not see purchase history ). I purchased 2 XXXX gift cards in the amount of XXXX, XXXX in total, and an XXXX gift card in the amount of XXXX, redeeming XXXX points. 

When my reward card from another credit card arrived, after I placed the above order, I called Chase customer service in mid to late XXXX. The man filed a complaint for me. I called back several days later and a woman said to give them 7 days. I called after 10 or so and asked to speak to a supervisor. the supervisor elevated the case, whatever that meant and could not give me an ETA of my cards. I feel like this is a scam and should be investigated.