davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My demand for you to help me give all the info as to who you talked to just like the addresses and names of the person or persons approached has sadly not been satisfied. So now I am deliberating court action and also have established the operation of calling legal " aid ''. I'm inquiring for one last moment in which you still take me using the data that was previously asked and furthermore make sure deliver me with a duplicate of the contract agreed upon or voice dialogue where I documented charging me within this account. Otherwise, it's best to pull this out of my credit report in accordance with the Fair Credit Reporting Act and the Fair Credit Billing Act. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Good day : I closed my XXXX XXXX card ending in XXXX, provided by Synchrony Bank, on XX/XX/XXXX. After closing the account, they promised to waive the {$95.00} annual fee within 1-2 billing cycles. 

It is now XX/XX/XXXX, and the account is now considered delinquent with various late charges and interest charges. I have called on four separate, recorded phone calls asking them to honor the fee waiver like they promised. Each time they agreed with my situation and promised to take care of the annual fee and any associated fees. Still no action is taken despite repeated promises and written notices on my account stating the fees would be waived. 

Synchrony Bank has shown a high level of incompetence in handling my case. The balance has now shown up on my XXXX and XXXX  credit reports. Please help me before it's shown as a delinquency and harms my credit score. 

Thank you for your time. Have a nice weekend. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

Being laid off cause me to have decrease in my income which cause financial hardship which also cause me to file bankruptcy. I also tried to get mortgage help from Chase and was denied 7 times. 

XX/XX/2018 I surrender my home back to chase after being denied mortgage help once again.

the hearing took place the judge ordered the trustee to stop payments to chase effective immediately I moved out XX/XX/2018 received a check in the amount of {$100.00} from Chase applogizing for the delay in responding back so late on the mortage asst. well Chase forclosed on the home in XX/XX/2018 6 monyhs after the home was surrendered thru bankruptcy. How is this possible.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had my XXXX XXXX credit card through Bank of America for 11 1/2 years. In the months of XX/XX/XXXX and XX/XX/XXXX ; Bank of America 's online system failed to process our payment. I was not notified by Bank of America until after being charged a fee and only found out because I went onto my Bank of America account and saw that a fee had been assessed. Two days ago, after making a payment, we were informed, again by email, that our account had been closed. We diligently made payments for over 11 1/2 years, kept the balance paid down, and to receive this kind of treatment from Bank of America is incredibly frustrating. I would like to make sure that other consumers not use Bank of America because arbitrary fees are applied when they are at fault for not processing payments.
Consumer complaint received 2022-09-16
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2005 Balance : {$19000.00}
Consumer complaint received 2019-04-05
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. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX made the first inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX  XXXX XXXX XXXX, on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX made the third inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX. 

XXXX made the fourth inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my checking account with no prior warning on Sunday, XX/XX/XXXX.

Prior to this, on XX/XX/XXXX, I had opened a claim with B of A, as I noticed that a merchant I had made bitcoin purchases with charged my debit card a total of {$160.00} in which I never received the bitcoin. I noticed the issue immediately and reported it to B of A on same day the transactions posted.

I never got a temporary credit for this dispute, which I thought was very odd so I asked B of A why. I was told that I would get my credit no later than 10-days after filing the claim.

Last year, I had a dispute with XXXX, but all ended in my favor so not sure why that would be a strike against me.

I was sick to my stomach when I tried to use my debit card on Sunday, XX/XX/XXXX and it was rejected. I went right to check my mobile app, and it would not allow me to log-in to view my account. No email, no call, no letter regarding the closure. I have done nothing wrong at B of A to deserve being treated like a criminal. I can not withdraw any money from my checking account at a branch. B of A did tell me they will accept any deposits, credits etc that come in, but they will reject any auto-payments attempted.

The closure department said that there is no reason provided for this happening, but that they would not report my account closure to XXXX.

I was not a bad customer at B of A, I rarely overdrew my account and always made weekly deposits. If buying bitcoin with my debit was an issue, they should have made that clear to me and I would have stopped immediately.

B of A said the claim will remain open until investigation is complete, but I presume the bank is just going to reject giving me the money I am owed. I feel like B of A could, and should treat customers better by giving a heads-up when closing any account, to allow that person to make other arraignments.

It is disgraceful and inhumane to allow banks to conduct such horrid behavior towards their customers.
Consumer complaint received 2023-07-24
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. (GA)

I dispute the inaccurate reporting status on an individual closed XXXX XXXX account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OH)

Sw credit sys, XXXX XXXX XXXX suite XXXX, XXXX tx XXXX, XXXX XXXX XXXX XXXX Contacted them to obtain information from a XXXX bill back in XXXX. They cant give me an itemized bill for what I owe. They keep bouncing me around to multiple people with no resolution I also contacted XXXX, XXXX. XXXX XXXX, XXXX Florida XXXX, XXXX about an att wireline from XXXX he refused to discuss or disclose just said they will mail it out and told me have a nice day.
Consumer complaint received 2022-09-16
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-16
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-08-04
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: EQUIFAX, INC. (MD)

I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XXXX/XXXX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?
Consumer complaint received 2022-09-16
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( XXXX ) Original creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Made a payment XX/XX/2021 and paid in full to a rep who did not stop card so the interest fee made my late fees occur. Months later they fixed the issue but it had already affected my credit report and they will not fix that. They did fix the card fee portion.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (OK)

I received notice dated XX/XX/2019 from Ally Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that I was declined for a new vehicle loan. The notice stated that my XXXX score was XXXX and my XXXX XXXX score was a XXXX. The notice also showed that two different measuring matrix 's were used to determine score. Since credit scores are compared, I believe this is a deliberate attempt to obtain higher interest rates from consumers. Most consumers are not aware of XXXX XXXX or their measuring system which automatically lowers credit scores. I believe Alley Bank is knowingly committing defamation of character and defrauding it's customers by using XXXX XXXX.
Consumer complaint received 2019-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX XXXX XXXX made the first inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX/XXXX XXXX on XX/XX/XXXX, and I have no recollection of doing any business with XXXX/XXXX XXXX   XXXX/XXXX  made the third inquiry in question on XX/XX/XXXX, and XX/XX/XXXX, and I have no recollection of doing any business with XXXX/XXXX.
Consumer complaint received 2023-07-24
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I first received a written notice from XXXX XXXX XXXX in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I was requested to make a PayPal transfer of {$1000.00} for a deposit on an apartment. As soon as I submitted I was contacted by PayPal via text about a suspicious transaction and did I want to authorize the transaction. At that moment I realized I was being scammed so I replied NO! do not authorize the payment. They asked again and I replied no. I have the text records of this. I asked them to call me but when I did not ereceive a call back I called PayPal and explained that I was being scammed and to not disburse the funds.Their agent said the funds had not left yet and that he would take care of it. I also put a stop payment order on the transaction with my bank. This morning I checked with XXXX and the transaction had posted. XXXX has begun a dispute with PayPal on my behalf.
Consumer complaint received 2022-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-02-18
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: HCFS Healthcare Financial Services of TeamHealth (NY)

I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.