davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

Hello, I opened a membership with XXXX XXXX XXXXXXXX of XXXX, in the XXXX TX, I used the facility once or twice and never returned. I continued to pay the membership until XXXX of XXXX, when I relocated to XXXX which is 50 miles away from their location. According to their contract, the membership can be canceled, if the member relocate 25 miles away from the gym. I mailed the cancellation form to the address stated on the agreement, however they did not cancel the membership. The account was sold to ALDOUS AND ASSOCIATES debt collection and in XX/XX/XXXX it was reported to XXXX which decreased my credit score by XXXX points. Ive disputed the debt with XXXX they did not remove it. The debt was reported a second time within the same year which resulted in another decreased of my credit score. On XX/XX/XXXX it was reported again as an opened account which resulted in another decreased of my credit score by XXXX points. The account should be canceled as requested back in XXXX of XXXX. The debt should be removed from XXXX immediately because ALDOUS AND ASSOCIATES, failed to include an account number with their reporting, they also violated the Fair Debt Collection Practices Act or the Fair Credit Reporting Act by reporting the debt multiple times and it should not be reported to any other credit bureaus.
Consumer complaint received 2021-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion says I have 2 hard inquierys from XXXX and a bank in XXXX. Both are identity theft or wrong person. My account was frozen on both times. 

Then my XXXX XXXX accounts are somebody else. 
If you want to do illegal investigation and not do FAIR CREDIT TEPIRTING AGENCIES SECTION 604, 609 AND 611. GO AHEAD AND LIE. YOU HAVE FOREIGN WORKERS DOING ILLEGAL WORK. SHAME. THEM MY ACCOUNT IS LICKED EVERY DAY. JUST SEND ME WHO YOU TALKED TO, THE DATES AND TIMES. THEN WHAT WAS SAID SO I CAN GET THE ATTORNEY GENERAL AND MY LAWYER INVOLVED.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED BANKSHARES, INC. (PA)

First of all I had this bank for many years at XXXX Pennsylvania the bank was called United Bank the main office is out of Virginia but every time you ask they would say West Virginia I found out this later after this incident. What did happen is I took out a life insurance policy for {$25000.00} for {$110.00} and change once I made this transaction legal I was swindled by the life insurance Company buy set me up an automatic payment plan being how I can get a {$50000.00} policy for the same {$110.00} and change from XXXX XXXX XXXX XXXX I tried to cancel it but the life insurance company what you cancel it. The first month was a XXXX to establish everything I was headed for the second month and called the life insurance Company was forced to put in my information automatically then they hung up on me twice I called the bank ask them to stop the automatic payment before they took it and the lady there told me they don't do that, this was directly from an employee 's mouth I went to the same bank withdrew all monies except {$64.00} and change the Bank stoled {$64.00} and the change and put a payment that I owed them of {$92.00} and change in the whole fact of the matter is it should have been insufficient funds then I would have cancelled the life insurance policy as I tried previously. Sincerely, XXXX
Consumer complaint received 2021-06-26
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)

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2021-06-26
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. (TX)

XXXX XXXX : XXXX Transunion XXXX XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but transunion and XXXX verified it which doesnt make any sense at all.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but XXXX and experian verified it which doesnt make any sense at all.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

On XX/XX/2015 I submitted a written letter with ID and XXXX card sent it to Equifax because I was unable to view or obtain my credit report or score. I have been doing so for the for the pass XXXX years and I still have not be able to review or see my credit profile or score this has prevented me from obtaining credit and buying a home. please help
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

My credit report and/or score hasnt been updated on Experian website since 2018. I had subscribed to their membership offer and when I terminated the membership my information hasnt updated since. I spoke with a representative in the membership department concerning the matter. I was told that the report cant be updated because they need a photo ID but Ive sent Experian several copies of my ID with my dispute and/or method of verification letters. I want to be treated fairly as a consumer. I can only see old information and credit alerts. Ive attached a picture.
Consumer complaint received 2023-01-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, 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
Consumer complaint received 2021-12-02
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Time Investment Company, Inc. (GA)

XXXX XXXX withThe Office of XXXX, XXXX XXXX XXXX for Time Investimate Company sends emails and texts with VERY abusive and threatening wording such as PLEASE IGNORE THIS AND SEE WHAT HAPPENS this happened on XX/XX/19 but was just the last time, ALL of his communications have threatened jail, credit damage, reputation damage, threatens to put in the newspaper that I am behind on payments. This last message stating PLEASE IGNORE THIS AND SEE WHAT HAPPENS has frightened my wife she thinks he is physically threatening us and I have told him several times in accordance with The Fair Debt Collections Act I do not wish for him to contact me except by postal mail, which he keeps ignoring. 

And the last 2 months I have tried to pay it by emailing XXXX XXXX as he asks me to and they never take the payment. But are adding missed payment fees and reporting it to my credit even though I EMAILED HIM TO MAKE THE PAYMENT.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Comerica (OH)

The XXXX  should have gotten my signature for my direct express ssa card but found side on house empty envelope XX/XX/2024 at XXXX says was delivered can't call to get replacement for bussy and has all my money XXXX XXXX XXXX XXXX XXXX and need it worth {$3000.00}
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

On XX/XX/2021 wife tried to pay Escrow shortage on line with PHH Mortgage and was unable to do so. Wife called and was told we need to sign a document to be able to pay online and they would email it to us. Rep told us there would be a {$19.00} charge to do it over the phone, rep said they would waive fee. 
Wife tried to pay mortgage online thru PHH web site and is unable to. I called on XX/XX/2021 after she printed the document and document states this is " A signed amendment to the original note is required " I asked the Rep Agent ID XXXX if there is a fee and she stated there would be no fee for a AutoPay program or Reg US Mail XXXX which is stated on page 1 of the form ), I also asked if this was an amendment to our Mortgage and she stated no but, it says " A signed amendment to the original note is required ''. 
On note amendment # 2 states can charge up to {$19.00} per payment for payment methods not specifically provided for by the note, such fees are not limited to cost of processing or making payments methods available. 
On note amendment # 3 fees may include payments over the phone with a rep, automated phone system, online, or other methods not expressly provided by note.
Consumer complaint received 2018-02-02
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: AMERICAN EXPRESS COMPANY (NJ)

Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX  bonus miles. Back in the first week of XX/XX/XXXX ( Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Mortgage was XXXX to begin with. I did a 3 month deferment due covid layoff. While in deferment I received an escrow shortage statement. I was given 2 options. Opt 1 was to pay nothing and be charged XXXX. Opt 2 was to pay XXXX  and new bill would be XXXX. I paid XXXX on XX/XX/XXXX. Conf # XXXX. I was still charged XXXX  anyway. After speaking with many representatives in Mortgage, escrow and customer service, the problem was fixed. XXXX, I paid XXXX. Conf # XXXX. XX/XX/XXXX I paid XXXX conf # XXXX. XXXX, I paid XXXX. Conf # XXXX. I paid XXXX ea month from XXXX to XXXX. In XXXX. I recieved a refund for XXXX. I also recieved a letter stating that the payment of XXXX was returned so I paid it again on XX/XX/XXXX. In XXXX. my bill was XXXX. I called to inquire about the change and I was told I had money that was just sitting there and they applied it which lowered the payment. I call again to make payment and the automation stated I owed {$15.00}. I paid the XXXX anyways. Conf # XXXX. I didn't receive a statement for XXXX. I recieved another escrow shortage statement instead. The 2 opts. are pay nothing and bill will be XXXX  or pay XXXX  and bill will be XXXX. I called to get understanding and was told it was due to increase in insurance. My insurance only went up {$35.00} a month. No one at BoA can explain what is happening and the numbers don't match up. Please help. They have made my home owner experience very difficult.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery is trying to collect debt from me but all they have is my name, they Social security they gave me is not mine and end in XXXX or something. 
I need them to remove it from my account as it 's not mine and they report false information on my credit report.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im sending this complaitns to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to delete these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I mailed in a letter XX/XX/2020 asking Synchrony Bank to remove late payments posted on my Paypal credit account account for the following months : XX/XX/XXXX and XX/XX/2020. I was affected by Covid-19 and where unable to make on time payments, due to the lack of flying. I have been current since XX/XX/2020 and ask that these late payments be removed.
Consumer complaint received 2020-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX Consumer Adjustment XXXX Consumer Adjustment XXXX Your company have violated FCRA XXXX ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Consumer Adjustment XXXX Consumer Adjustment XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators  report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I received an invoice from a IC SYSTEM ( debt collector ) representing XXXX XXXX dated XX/XX/XXXX offering to settle the amount of {$370.00}. 

I immediately called the customer service # on the invoice and was told that the outstanding debt was for cable service for 3 months in XXXX XXXX in XXXX, XXXX 
I explained the last time I lived in XXXX was XXXX, and can provide proof that I have resided in the state of XXXX  continuously, specifically for the timeline the debt was being collected against. 
The customer service agent recommended that I file an ID Theft claim with them directly ( which I did on the call ) and to also contact XXXX XXXX and file the ID Theft claim with them as well. 

On XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Verification Team reached out to me via email and provided me [ Incident : XXXX ] along with instructions and a packet to complete within 30 days and a hard requirement for a police report which led me to ftc.gov since this is handled out of the state I reside in so that the XXXX XXXX division can begin investigating. I am asking you to assist in resolving this issue.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX  XXXX TransUnion ) XXXX XXXX /XXXX Account Number : XXXX, ( XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX  ) XXXX XXXX Account NumberXXXX