davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 
The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and Equifax, as the law requires!
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank, XXXX Credit Card continues to call me 4-6 times per day. I'm a stage XXXX XXXX patient, have told them this, and have paid over 1/2 of the monthly payment due in the past 2 weeks. I told them I would pay the same on the XX/XX/XXXX when I get SSI monthly payment, and they said they'd note it on my file. They still call every day, to the point of causing me stress. 

I've attached the log of their calls, taken directly from my phone.
Consumer complaint received 2022-07-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (NY)

The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (PA)

I missed a morgage Payment over a year ago and have been trying to pay it back, I offered a XXXX a month and was told no, I finally made arrangements with one of their Agents, and it was doable for me, I am paying off other debt thru XXXX XXXX XXXX, I am trying to do the right thing. Than they tell me no it was Agent error and I have to pay an extra XXXX a month!! I missed one morgage payment in my entire life!! I have asked to have the payment tacked on to the end of my loan? Why not? All I get is you have to modify your loan which I have tried but they say I never sent the paperwork in properly, even after I got a non profit document co to submit it for me! One of their agents said they could take my home! How dare her! which I doubt missing one payment. I got a new job things are looking up but I can not afford to have so much taken out of my paycheck! Add to the end of my loan!! I have attached the payment plan I first agreed to and the second document is the plan they said I have to abide by. I had XXXX and when I missed one payment they sold me to Seterus. Thank you.
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
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. (IN)

I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the same inquiries as XXXX.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CHARLES SCHWAB CORPORATION, THE (VA)

I went online to open a Schwab Bank High Yield Investor Checking Account on Wednesday XX/XX/2018, per the advice from the banker I spoke to over the phone. After entering all of the required information, a Terms & Conditions disclosure screen displays. The screen has several section 4-6, with each section requiring lengthy scrolling and acknowledgments of each section, prior to opening a checking account with Charles Schwab. After I opened the account, I was prompted to set-up my online login information ; afterwards I was in my account Dashboard. 

Within 5 minutes of doing this, I received two email alerts from XXXX and XXXX  stating that a hard pull was just performed on my credit report from Charles Schwab Bank. This, in my opinion, was not a truthful or transparent transaction that occurred with this bank. See attachments of online sign-up process, note the lack of disclaimers at multiple consumer touch points. 

Immediately, I reached out to the bank through their " Live Chat '' feature to inquire about what had just occurred. The support banker simply stated that on line 17, or section 17, there was a notice that Charles Schwab bank can, will, and plans to use  the customer 's credit information how they seem fit, and at will, in order to make proper financial decisions. 

I believe Charles Schwab Bank should be held to the same standards as other Bank, Credit Card companies, Loan Products/Companies, and even Instant Loan Companies who offer any sort of credit inquiry products. Currently, these financial  companies clearly and transparently state the affects its/their products will have on the consumer 's credit BEFORE a transaction is started or completed.
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (RI)

I switched insurance company 's before my renewal with XXXX  and went with XXXX, i eventually found XXXX sent this matter to a debt collect as if i was obligated to continue my business with them and owed them {$730.00} renewal charges. 

I will attach the new policy insurance card that is dated XX/XX/2016 with XXXX, never a laps on my insurance. 

This was written off XXXX by XXXX.
Consumer complaint received 2022-07-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent TransUnion, XXXX and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2023-03-20
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that you won't ignore my request to correct the following items in my file ASAP. 
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 FIN I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Attached is a dispute response from Transunion. 

It is inaccurate because I paid the child support arrears in XXXX of XXXX and the Court then dismissed the motion that had been filed. Of course, child support continued to accrue an a monthly basis, but after XXXX it was always paid in a timely manner. Therefore the notation that " Date paid : XX/XX/XXXX '' is deceptive. You will note that the rating is " OK '' ongoingly from XX/XX/XXXX through the closing of the account. There is no reason that this should be on my record through XXXX. 

Please note that Transunion 's own dispute response acknowledges that the account status was " OK '' as of XX/XX/XXXX. 

Thanks ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX - XXXX
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (OR)

I noticed that there is another collection agency- Waypoint Resource Group , on my credit reports for XXXX XXXX This alleged debt was paid to XXXX a long time ago when the 1st Collection Agency had this alleged debt which was XXXX XXXX. I contacted XXXX and they charged off this account in XX/XX/XXXX. I asked for this in writing and they stated that they could not give me anything but that I or anyone else can always call and they can give this same information over the phone.I have never been contacted by Waypoint Resource Group which they are required to per the FCRA and the FDCPA. The date they are reporting is completely falsified. They are reporting to the Credit Bureaus that this account was opened on XX/XX/XXXXwhich is not correct. This may be the date that they purchased this from a different Collection Agency which is also against the FDCPA, but this is not the date that the XXXX account was opened and the date that the XXXX account was closed/charged-off is the date that the statute of limitations goes off off. XXXX said the account was opened in XX/XX/XXXXand charged off in XX/XX/XXXXwhich is 7 years ago. The incorrect date Waypoint Resource Group is reporting is making it so they can keep reporting this if its within 7 years which is fraudulent and illegal activity. I have attached a screenshot from XXXX XXXX  which gets their information from the Credit Reporting Agencies, showing that Waypoint Resource Group is reporting an incorrect date and has just reported this same info on XX/XX/XXXXso they are continuing to report this when they shouldn't.
Consumer complaint received 2022-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX Bank which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (UT)

Company : MOUNTAIN LAND COLLECTION # : XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX ( XXXX ) XXXX-XXXX This is the debt information : Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1400.00} DateUpdated:XX/XX/2019 Original Amount : {$1300.00} Original Creditor : XXXX-XXXX XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< BOTTOM LINE THIS DEBT IS NOT MINE THE COMPANY IS COMMITTING FRAUD, I NEVER INCURRED THIS DEBT~~~~~~ this debt is not mine, it belongs to my son who has a completely different social security number than I, however it was reported on my credit!!!!! At NO time did I agree to pay, sign or enter into an agreement to pay this company. The only thing I did was allow my son to use my debit card ( bank ) to make a payment to them. Then he turned around and paid me cash. How dare they use my information to apply this debt to MY CREDIT!!! My son played no part in this fraud they are trying to perpetrate! He called in with my debit card to make a payment. In no way did I agree to take responsibility for this debt, and my son called them to make payment arrangements with them. 
This is NOT my debt!!!!! 
I am mad as XXXX, bc it is damaging my credit rating!!!!!!!!!!! 
I disputed this with XXXX, they said that the account was verified as accurate, the only way that would be true is if the company lied and said the debt was mine and not my sons!!!!
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

30 days late payment. I've never had late payment and this has to be wrong. This is only reported through XXXX. 

This might be scenario when I was changing the banking info that was setup for automatic payment, and they didn't put it on file. 
I called several times, they said I'm all setup ( they have my acc and routing number on file and they will proceed with the payments each month ). 

After a few months going back and forth, and waiting on hold for 30+ minutes I figure this is not working because the only thing that I was trying to setup is saving my new banking info for automatic payment. 
I kept doing manually payments each month because they couldn't help me and decided to close the account with them. 

XXXX and XXXX they don't have any report for late payments under my credit history reports, which is right. Just recently I start using XXXX and I figure that my credit is not the same. When a called they told me that I have late payment with Synchrony Bank back in 2015. I was shocked. 
Please taka a look and remove it from my credit because it's really hearting my XXXX credit.
Consumer complaint received 2018-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (PA)

PayPal " limited '' my account so that I can not withdraw or transfer the funds in the account. They asked me to upload a copy of my passport, my state ID card, my social security card, and to change my password. I did all of these steps right away. However, they refused to take away the account limitation, as they said I uploaded two passports : a XXXX  and American passport. This is a lie, as I do not have a XXXX  passport, did not upload one, and do not see any record of a copy of one having been uploaded in my account. Now, PayPal has frozen my account for 180 days and I can not access the money, although I have offered to supply additional or alternative documentation of my identity.
Consumer complaint received 2017-06-20
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: CITIBANK, N.A. (TN)

Approximately 16 months ago, I reported my Citibank Simplicity VISA Card as lost or stolen. When Citibank issued me a new card, they advised me to give any authorized merchants my new card number. At about the same time, I cancelled ongoing business with one merchant, XXXX XXXX newspapers. I refused to give XXXX my new account number, but they refused to take no for an answer. Over the following more than a year, XXXX submitted charges to my account under my old account and Citibank authorized these charges and posted them to my new account number. I disputed every one of them. Citibank approved every disputed charge. Finally, on XXXX XXXX, XXXX submitted a charge of {$50.00} which Citibank approved, despite lack of authorization to do so.
I need Citibank to once and for all lock out ALL charges submitted under my old account number. I also need Citibank to permanently block any and all charges from XXXX XXXX for any amount, at any time, and for any reason. I also need Citibank to permanently reverse the {$50.00} charge of XXXX XXXX from XXXX XXXX. Federal law gives me the right not to have to deal with unauthorized charges and Citibank 's actions are violating these federal laws.
Consumer complaint received 2017-06-21
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. (GA)

Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does Trans Union, XXXX, XXXX  need from me to move this process forward??