davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (IN)

Back in XXXX I got a phone call from my credit card company telling me that someone I don't know who was using my credit card!! 
so my personal information was stolen I don't know who or how long long this going on? but trying to fix the problem with the Bank. I, supposed to have 60-day with the investigation.

my credit card got replaced New one with XXXX balance XXXX. no fun in my new credit card. 
what happened a week later I got a lert in my credit report it was some changing in my credit report, Synchrony has ADD all the debt from a stolen credit card do the new credit card. so they actually didn't do anything to protect me* so their request in order demanding for me to pay the total balance XXXX, they increase the payment I have extra charging for something I didn't do it was stolen from me. don't want to delete this XXXX account. and gave me a fresh start. Every institution Bank credit car has insurance to protect them selft. the insurance then self every time if something like that happened. but No '' they want me to pay the total balance I demand them to delete the old stolen credit card to -0. and give me a new fresh start I'm at XXXX XXXX XXXX. Helder-in-due-course. I can negotiate with them but they consider me no one.

I did make it copy of my private security agreement with my trademark copyright with New York filing ucc-1.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

Chase has refused to provide me any details about any debt other than to say something for principal and something for fees. 
I still have not received anything about what the money is owed for. 
I was advised in person on XX/XX/XXXX that my account was being closed, I was told by the branch manager via Deputy XXXX of the XXXX XXXX office that I needed to remove any remaining funds in my account at that time or it would not be available to me the next day and that Chase would send a check with the remaining funds in the future. At the direction of the branch manager I removed my remaining funds closing my account. Then Chase left my account open without my knowledge or consent. Now they want to charge me money for something after the account was closed. I requested to be accommodated under the XXXX and for large print. Chase refused to send anything in large print until XX/XX/XXXX in which the debt is not clear at all nor what the debt is for, they only say I owe them money. I do not owe anything since I was told to remove my money on XX/XX/XXXX and that my account was closed. I was told to never return to Chase or I would be arrested. With Chase 's threat of arrest it was clear my account was closed and I was not to return because we did not have any business relationship. Now after the fact and several months later I get a letter that is not clear at all and is over 120 pages. The volume of the pages is overwhelming for my XXXX and is not clear at all what is owned for what. It appears to be an effort to distress me knowing I have XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I 've been charged {$10.00} from XXXX, Equifax, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Transunion To Whom It XXXX Concern : According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$390.00} Please remove all non-account holding inquiries over 30 days old. 
Please add a XXXXXXXX XXXX to my credit file. 
Please remove all addresses not listed on my Driver License. 



Thank You, XXXX XXXX
Consumer complaint received 2023-01-09
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)

Hello I hope that this message finds you well. I am a consumer let me first start there. This company that I make this complaint against has used my report inaccurately and unlawfully. According to 15 USC 1681e these companies should make sure that are not in violation of 15 USC 1681c which discusses and states that the only reason any information should be furnished on an account is because of federal judgments or if permission was granted. COVID-19 set alot of people back including myself having to walk away from the industry. Now I was checking my credit report on yesterday and I noticed that XXXX XXXX is reporting multiple late payments and this reporting agency is allowing the furnishing of such information after I asked for accommodations under the CARES ACT which states that information is supposed to show as current and never late. If I may add further to that. There are laws that have and are still currently in place that state that open transactions should not be reported and that also written consent must be given by the consumer which is me to furnish such information and looking at the consumer report the information is incomplete and inaccurate. This is aggravated theft and I am demanding that this account be removed due to the multiple law violations that this reporting agency has broken. This has caused significant trauma. Please allow me to be CLEAR. I am not looking for VERIFIED nor am I looking for those spam like messages that state that we are required to report which is not true by the way. I just provided the law that CONGRESS placed not your policies. I want the account removed or I reserve the right to get the allotted amounted for each violation.
Consumer complaint received 2020-07-10
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 Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting erroneously on XXXX, XXXX   and Equifax credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XXXX XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XXXX XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
Consumer complaint received 2018-09-26
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. (CA)

XXXX XXXX XXXX is reporting erroneously on XXXX, Transunion and XXXX  credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX  has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to permanently remove the following account when an individual is able to furnish a report they are a victim of identity theft. I did that and they initially removed it but the creditor simply changed the account number from XXXX to XXXX but they should be able to clearly notate the account balance is the same. Hence, Ive included a FTC report for you to remove CKS Prime Investments under 12 XXXX XXXX XXXX under the account number XXXX from my credit profile as Im a victim of identity theft. 

CKS PRIME INVESTMENTS Account number : XXXX Additionally, according to Section 611 ( procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] in relation to reinvestigation, youve violated Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. Please permanently remove the following fraud account from my profile. I'm asking for your assistance so CKS Prime Investments should never be able to report this fraudulent account from my profile regardless of them changing the account number.
Consumer complaint received 2023-01-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX popped up on my credit and has been stuck for a while. They have called me multiple times and have failed to provide documents. They call From a unknown number and in hopes to make a settlement they told me if I dont pay that it will not help my credit but will lower my score and if I want a high score I must pay. I also never received anything or signed anything with them tried disputing and nothings works they are reporting False and its damaging my life and credibility.
Consumer complaint received 2019-06-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. (CA)

I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Equifax : XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date open : XX/XX/XXXX High Balance {$570.00} XXXX Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately. Both accounts where open in XXXX of XXXX seems very strange to me that these items appeared in the same month same year.
Consumer complaint received 2023-01-09
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. (IL)

Hi my name is XXXX XXXX I am a natural person and consumer. I am writing this complaint because I am a victim of identity theft. XXXX and transunion unlawfully furnish my personal information without my writting consent. Pursuing to 15 U.S.C. 1681 section 602 a states I have the right privacy. My rights where violated due to unlawful data sharing. XXXX and Transunion has violated my rights and I demand these accounts be removed in XXXX business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-06
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed : XX/XX/XXXX Assets : {$0.00}
Consumer complaint received 2021-06-29
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. (FL)

I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX  in the amount of {$840.00} be immediately removed from my credit report.
Consumer complaint received 2021-07-20
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. (GA)

I sent my dispute letters into all ( 3 ) credit bureau on XX/XX/XXXX disputing accounts and inquiries on my credit report. The bureaus told me they would have their investigation completed in 30 days. They only have 2 days left to complete their investigation and I haven't heard anything from either of the companies. I will attach my dispute letters to my compliant claim.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

My employer used to provide a Health Savings account with XXXX XXXX. Starting XXXX XX/XX/2021, my employer switched to a different company for managing HSA accounts. 

As a part of the transfer, my account balance was supposed to be liquidated and transferred over to the new provider. 

I had a brokerage account linked to my HSA Bank account. This brokerage account was with XXXX XXXX and was opened at the behest of HSA Bank. Unfortunately, during the transfer, my cash funds in linked XXXX XXXX account were not liquidated and HSA Bank simply closed the HSA Bank account leaving my XXXX XXXX account orphan. 

XXXX XXXX tells me that they can only transfer the balance back to the original HSA Bank account since the account was opened by them. As the HSA Bank account is closed, my funds in XXXX XXXX are stuck in a limbo.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Marlette Funding, LLC (VA)

The collection agency called my employer and went into detail about the loan i took out, the amount on how much was taken out, the dates, everything. Tried to get my employer to pay the debt. I feel this is an invasion of my privacy.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX  rights, as well as fraudulently added an escrow to my account in XXXX. 

At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination. 

I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan. 

When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver. 
Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights. 

Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.
Consumer complaint received 2022-04-06
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately 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 2021-09-16
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. (CA)

Equifax XXXX and XXXX will not respond to my letters or fraudulent inquiries of identity theft. I have numerous accounts that are a result of identity I have provided them with affidavits police reports and they are still violating my rights and reporting false information.