davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I can't believe this. I never thought I could be a victim of identity theft. I try my absolute best to keep my information safe and I am mind blown. These accounts have negatively impacted my score and I am trying to purchase a home for myself and my family. I consulted with a lawyer and he stated that according to the Fair credit reporting act section 605b, these accounts must be removed within 4 business days because they are fraudulent. Please help me with this, I am so scared that my information was compromised.
Consumer complaint received 2023-08-11
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 the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX  at 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

My mortgage company Shellpoint Mortgage Servicing has put my account without my authorization into a forbearance plan on XX/XX/XXXX. 
Since then I have been calling twice a week and I have emailed them requesting the removal of forbearance plan. I received a letter and was told by customer service that I am not in forbearance and that is the IT problem and that the ticket was created on XXXX XXXX. Nothing is solved as of today XX/XX/XXXX 2021
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, Equifax and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXXXXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC. (IN)

Showing up as a local number on caller ID from a town of less than 400 people. I assure you this company does not do business in this town. The person says they are from XXXX XXXX trying to collect on a debt. I told them to quit calling me as I do not believe they are from the company since they are using a local number. 
If it is the case, I find that to be very shady business practices to use a local number to trick individuals thinking they are someone else. I will not and am not going to give any information stating who I am to anyone that can not fully state who they are from a legit number.
Consumer complaint received 2019-04-08
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: CITIZENS FINANCIAL GROUP, INC. (VT)

From XX/XX/2017 to XX/XX/2017, Citizens Bank pulled unauthorized hard inquiries from my credit. I did not initiate or authorize these inquiries. They have negatively affected my credit. There was an inquiry every month for 6 months.I called customer service and there were unable to offer a explanation or solution.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (GA)

I have contacted Kimball & Tirey twice over the course of a week. The first time being on XXXX and the second time being on XXXX, both times I spoke to a manager whom I do not know the name of. This individual will get on the phone does not even identify who they are, and every time I have the displeasing pleasure of speaking to this person it is everything but professional. I call inquiring about my balance, asking for a breakdown instead of directly answering the questions she condescendingly responds and does not answer any question. This manager told me that I needed to submit in writing a request to receive my account breakdown, which I did not do because I located my disposition from the property which shows all the amounts included. I am trying to get this file closed, however this individual clearly lacks the basic fundamental problem solving skills you would think a highly skilled lawyer would exhibit. I can not get anything addressed, and for all I know the amount being reflected is not even accurate. I should be able to call and receive the proper breakdown for each amount that I allegedly owe, which I clearly can not. It is unethical to represent a company, and purport that I owe an amount and then when I make contact to rectify the issue I can not because of the incompetency of this individual representing this establishment.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The following inquiries are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX I received a Bank of America statement by US mail for an account I did not open. I called their fraud and they closed the account. 
XXXX XXXX I received an email from Bank of America saying an account had been created. I did not create this account. I called and they said they were closing it. 
XXXX XXXX I received another Bank of America statement by US mail for another account I did not open. I went to their branch office in X town, X state and tried to resolve it. They refused to close the account until I provided an affidavit, copy of my social security card and other identifying information-a large packet worth of paperwork. I told them they are allowing someone to keep opening fraudulent accounts without verifying their identify and asking me, the victim, to provide personal identifying information to a place that clearly has security issues. I told them this was backwards and wrong.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (AZ)

I went to XXXX XXXX in XXXX and submitted my insurance information. We also have a medical co- pay allowance of {$1500.00} thru work medical insurance. We did not receive a bill from XXXX XXXX and were sent to collections with no notice. I just received a notice from Plus Four after correcting fraud on my credit due to being part of fraud from my purse being stolen on XX/XX/XXXX and also breach with XXXX/XXXX. Plus Four put on medical debt on credit twice on XXXX, once on XXXX. I called XXXX XXXX and spoke to XXXX who did not have a reason for not sending bill, even though their reviews from patients mention the same issue. She told me to call Plus Four. I spoke to XXXX at Plus Four who told me I would have to pay {$10.00} extra for a receipt of payment to show medical bill was paid. Original bill was {$73.00} and had to pay {$95.00} including interest and {$10.00} for receipt to be mailed. Total of {$100.00}. I am upset since many reviews for XXXX XXXX mention not receiving a bill and getting sent to collections. No patient should have to go thru this to have their credit affected for a medical office not sending a bill so a patient can pay their bill. This violates the Fair Credit act. In addition, to charge {$10.00} for a receipt. Can you help investigate Plus Four for
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

Last year I purchased a new Heater through XXXX  XXXX  and they were offering financing through SYNCHRONY Financial. When I received my 1st statement I noticed a {$29.00} activation fee which the XXXX Sales person never told me about and I never even talked to Synchrony he entered all my information on his XXXX for approval. 

When I emailed Synchrony they never really addressed the issue.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NY)

Yesterday XX/XX/23 I did apply for the new credit card Discover IT. During this process I went through application process and my application was approved with {$4000.00} credit limit on my card. Discover did check my credit score and right after that my Credit Score went XXXX points down. When I was filling this application Discover informed me about the Credit Score check and stated that my Credit Score would not be affected. 
I did call Discover XX/XX/23 and asked them what is going on? They told me Discover have nothing to do with my Credit score. At this point I did ask them to cancel my Credit Card application opened few hours before.
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 — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

Opened an Account with Wells Fargo XX/XX/2019. I setup Automatic Draft Payment. To my displeasure I revived a late notice 30 days later from Wells Fargo. When I called they had an incorrect bank account on file that resulted in insufficient funds. We quickly fixed the routing and account number paid the bill and moved on. I then found the credit agencies were reporting a 30 day late payment. I contacted Wells Fargo and they refuse to acknowledge the error and the office of the president refuses to remove the 30 day late report from the credit agencies.
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Company violated XXXX as well as XXXX and FCRA laws. They also is are reporting harmful information on all three of my credit reports. Please remove all information being reported in my name on this account.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I read last month the Federal Reserve suspended Regulation D ( only allowed 6 transfers per month from savings account via online or telephone ) indefinitely. However it stated each individual bank could decide if it wanted to keep or discontinue Regulation D. I called my bank ( 5th 3rd Bank ) to verify what their position was on this matter on XX/XX/XXXX at their branch at XXXX XXXX XXXX XXXX Oh at XXXX and a male bank employee there told me 5th 3rd Bank had suspended Regulation D and I was free to make as many transfers from my savings account using any means that I wanted toI called 2 more 5th 3rd telephone numbers to verify this info/-I call their call center at XXXX and spoke to a XXXX who told me the same info as the XXXX XXXX XXXX then called the 5th 3rd branch on XXXX XXXX XXXX  Oh XXXX XXXX -an employee there named XXXX told me that Reg D was still in effect at 5th 3rd Bank and the 6 monthly transfer limit was still in effect/I really need to know 5th 3rds exact position on this matter because I dont want to violate some regulation and be penalized with losing my current account
Consumer complaint received 2019-04-08
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. (NY)

I had over a million thank you points with Citi bank which they took away upon closing my accounts. I have multiple letters from them they've sent to me stating ; that I have 60 days to redeem. However, they immediately took it away.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

I opened a Citibank XXXX ( zero-interest for transfers for 15 months ) credit card three months ago. Citibank XXXX has contacted me each month claiming that the banking information I have given them is incorrect and that the payment was rejected by my bank. I have made three attempts to correct the problem, each time being assured that the information had been corrected. I then get emails and harassing phone calls ( 7-8 a day ) saying that my account payment is overdue and that my automatic payment was rejected by my bank. I have called my bank each time and have been assured that no attempt has ever been made to withdraw money from my bank account by Citibank XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. XXXX  XXXX  has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Consumer complaint received 2019-04-08
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: CNG FINANCIAL CORPORATION (CA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : l XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.