davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 Portfolio Recovery Associates llc Att : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX VIA USPS CERTIFIED MAIL Re : Account Number : XXXX & XXXX Dear XXXX XXXX XXXX : I recently pulled a copy of my credit report and notice your company is reporting 2 derogatory information there. I did not receive any initial communication of the alleged-debts. Please be advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, ( 1 ) the name and address of the original creditors, ( 2 ) copy of the oral or written request or application for the alleged accounts, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditors, and ( 4 ) previous 12 months of statements of account if any. Your company is illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 

Sincerely, XXXX XXXX XXXX ( Authorization to Release Information ) cc : Consumer Financial Protection Bureau
Consumer complaint received 2017-04-25
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)

XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX   XXXX  . This was not me
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

XXXX XXXX Account Number : XXXX The account was disputed before because of an extra fee assessed of {$2.00} after the account had been paid in full AUTOMATICALLY ; XXXX was not aware of the {$2.00} fee because the account was setup as AUTOPAY, yet according to the customer service department that fee could NOT be collected by the automatic pay system, because you had to come to the store in person to pay.. I was not informed of this procedure until I called to dispute the negative information. They said they could NOT clear the credit bureau rating although I battled that the account was on autopay they had the capability & authorization to collect payment, therefore how were they going to classify it as " late payment '' ..Again this account is still on AUTOPAY. I explained that this account has never been late ( please see attachment ) until this {$2.00} issue. Now my biggest concern is that my employment is credit score sensitive and due to this issue my position is in jeopardy. Now I understand if these late payments were because I owed and failed to pay but this is not the case and for XXXX XXXX to deliberately harm my credit report / credit scores, it just plain unfair. When I spoke to customer service they said that they were reporting correctly and that they were not going to remove the late payments. 

PS..THIS PREVIOUS ISSUE OF THE {$2.00} FEE, JUST HAPPENED AGAIN, I NOTICED IT Again..
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

In the year XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  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 2019-05-14
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: SYNCHRONY FINANCIAL (CA)

To Whom it may concern, A fraudulent Inquiry/Identity theft was made on my credit report on XXXX Company in question XXXX XXXX XXXX, l This is not the first attempt on getting this issue cleared, on the day of XXXX I was contacted by Synchrony Bank and I was told that it would be removed right away. 
Months went by and no action was taken. 
I submitted a complaint with the CFPB being your organization and if you look at your records this is an on going unethical performance by SYNCHRONY BANK I received a call from XXXX XXXX XXXX, Senior Specialist Corporate Consumer Relations SYNCHRONY BANK and she advised me that this matter will be taken care of and cleared from all reporting Bureaus.
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

On XX/XX/19 I walked into allied cash Advance to resolve a charge to my account that I felt wasnt valid. I paid my account off the month prior and thought that was it. I asked the girl to cancel the account, she stated I would have to come in and sign some paperwork to close the account, a couple days passed and I started getting phone calls from them saying I had a payment due, I informed the girl on the phone that I already paid my account in full and she said ok just come in and sign these papers to close the account a few days later I get a call from Collectios saying I owe them XXXX $ from allied cash Advance, keep in mind Ive been stuck in a loop of paying off and getting back for over a year so I definitely have given this company there money back ten times over now they want me to pay a fee and my account was paid in full because they cant close the account unless Im physically there, its a SCAM knowing most people wont  come back to close the account not knowing there going to be charged, I cant believe someone approved of this, its predatory lending at its best, I can understand someone who didnt pay there account but I got chargerd XXXX $ for having a XXXX balance, this is crazy! The company should be shut down, and they charged the XXXX $ without my approval, how much more illegal can they get, shut them down for good
Consumer complaint received 2018-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (VA)

Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.

The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited. 

The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.

As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.
Consumer complaint received 2021-09-09
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. (FL)

This letter is formal notice that Credit Bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond. 
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The wrong amount is being reported XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was NEVER LATE on this account.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

returned payments led to closing of my card. My bank account was used fraudulently so I had returned payments within the span of 3 days. I always paid my bill on time and never any issues in the past year yet account closed with no explation.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Financial closed my XXXX XXXX XXXX ( XXXX  Credit Card ) due to inactivty XX/XX/2019 without my consent.. The removal of the {$7500.00} available imapct has caused damage to me in two ways : 1 ) Lowering of my credit score due to the change in my credit usage ratio as a result of the loss off the {$7500.00} credit limit. 

2 ) Loss of an account that I will have to reapply for in the future which will incur another hard credit inquiry. 

I spoke with an " Credit AccountsManager '' and they informed me they would not reactivate the account and that I would have to apply again.
Consumer complaint received 2022-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX I called to make a payment in response to an email I got from Navient offering a dollar for dollar match on my loan. I talked to the agent on the phone and they stated if I made a payment of {$710.00} that would bring my account current. I made that payment. 

I have received multiple calls every day from their accounting department trying to collect payment and I've explained to them that I made a payment on the dollar for dollar offer. Now they are stating that only pays interest, and I have been credited {$0.00} to my account and that I still need to pay {$710.00}. They also threatened to call my mother, who is a co-signer of the loan I took out in XXXX - XXXX. 

My original loans were for a total of {$37000.00}. I have an outstanding balance of {$30000.00}. I have made a total number of payments of {$95000.00} throughout the lifetime of the loan so far.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

Eastern Account System of Connecticut , Inc. continues to attempt to collect a debt from me and report on my credit report for a debt that debt that is not legitimate. I have requested proof of this debt and they have only been able to produce an invoice, which is not proof of the legitimacy of this debt.
Consumer complaint received 2017-04-24
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 a victim of id theft so i wrote the credit bureau. Its been over two months and I have not heard from them. I addition the fradulant accounts are still reporting on my credit
Consumer complaint received 2018-01-25
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. (FL)

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MI)

I was charged a {$30.00} late fee on my XXXX XXXX XXXX Credit Card for missing a payment. The problem started when I went to make my first payment, but the card had not yet been mailed to me, so I could not check my balance or pay it online. I then had to go into the store to pay my balance, but they couldnt tell me how much exactly I owed. I knew it was {$97.00} and some change, so I just paid the {$97.00}, which was well over the minimum that I owed. When I received the card in the mail I went online to pay the remaining balance, but it wouldnt let me make a payment because it was less than {$1.00}. A couple months later I was charged almost {$30.00} in late fees for not paying off the card. I was not send an email, and I was also not allowed to pay off the balance, so I should not have been charged a late fee at all because I was not allowed to pay the remaining cents, therefor, I didnt not try to make another payment since I had not used the card since. Now I have a late payment on my credit score, the only one out of almost 100 payments. I paid the late fee, but I would like that late payment erased from my credit history.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have two credit cards with Comenity Bank. In XX/XX/XXXX I called to request assistance with my XXXX rewards credit card payments. I was entered into a hardship program. At the time of the call, the agent signed up my XXXX Card as well. My XXXX card payments were to be {$40.00} a month. I received a letter confirming I was signed up for the program. My account was debited for the due installment. In XX/XX/XXXX I  received a call from XXXX  collections department advising that I was in default and that I needed to make a payment. I informed them that I was part of a hardship program. They transferred me to this department, at that time. I was advised that I was taken off the program due to being enrolled the prior year. I am not allowed to re-enroll two consecutive years. I never received a letter stating this or a call. I kept on explaining my situation and the department wasn't helpful.. I explained that I am not able to make the requested payments of almost {$100.00} a month. I am asking they honor my XX/XX/XXXX agreement, as they debited my account and didn't advise me correctly.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon noticing an incorrect balance on my TransUnion credit report, on XX/XX/XXXX I submitted an inquiry to TransUnion requesting that the correct balance be shown ( TransUnion was showing a {$640.00} balance, while the correct balance was actually {$0.00}! ). Even though I received an acknowledgement that TransUnion had completed their review, the balance being shown today is still not correct ( it shows a {$200.00} balance, when the actual balance is still {$0.00}! ). 

I then called the TransUnion XXXX number around XX/XX/XXXX, to ask for a second inquiry into the misreported data, was assured that they would look into it, but today, they are still showing an incorrect balance! 

If these credit reporting companies want to be sued, keep reporting incorrect balances!
Consumer complaint received 2021-06-30
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: Mr. Cooper Group Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Arete Financial Group (AK)

I am currently a customer of Arete Financial, XXXX XXXX, etc. I found out they were sued today when one of the companys I am trying to get resolution with through them called me directly. When I brought up the fact I had power of attorney with Arete they would not tell me any information until I verified info on the phone. I notified them I would call Arete. Emails get returned from Arete and phones are not answered. I know why now. XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We are trying to get a payoff demand on behalf of a dead seller 's wife. The court has ordered the wife to be the owner of this property. I have provided a copy of the authorization signed by the wife, a copy of the Death Cert and a copy of the Court Docs to Bank of America. ( All attached ) BAC is absolutely refusing to provide a payoff demand. 


*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and BANK OF AMERICA WILL BE GETTING A *FULL* PAYOFF. 

XXXX Bank of America is DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

i checked my credit today and found XXXX XXXX is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through equifax website for this item and several more but the system caused an error when i clicked submit.
Consumer complaint received 2022-02-19
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: Resurgent Capital Services L.P. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B