davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servis One, Inc., Titusville, PA Branch (CA)

First off, my mortgage company said that I owed {$8000.00} on my XX/XX/XXXX statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on XX/XX/XXXX and cleared the mortgage company on XX/XX/XXXX. In XX/XX/XXXX, I received another bill saying that I still owed an additional XXXX over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that BSI ( loan servicing company ) reported to all three credit bureaus that I was late for my XX/XX/XXXX payment. My broker at XXXX XXXX XXXX got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of XXXX to an average of XXXX and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems. <P/>In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the XX/XX/XXXX or the latest the XX/XX/XXXX of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the XX/XX/XXXX then they charge me at least {$120.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reached out to capital one bank per request per federal consumer law documentation of 15USC 1681e ( b ) and 15 USC 1681 i ( 5 ). This needs to be deleted and not lawful to report this informaton of late payments. Therefore please remove and delete the late payments by law.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

since XXXX bank of america has charged my credit card account to XXXX do not owe B of A XXXX say they revoked my previous fraud award monioes this year XXXX some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXX originally tried to purchase the 3 days of XXXX with bankamericard which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for male XXXX enhancement drug which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.
Consumer complaint received 2016-06-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (GA)

First off I pay my belk and amazon payments on time, however the bank lendholder for the companys is Synchrony. After they decided to check my credit which is lower now because of more debt they decrease the credit limit and up the payments.. I did not ask for an increase in credit. I always paid them on time. Now they called constantly and even called every Sunday morning at XXXX. Now they have my account as late because I 'm not able to make the amount they have not set as the lowest payment. So I pay what I can until I can pay it off. This all happen in one month back in XXXX 2016.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (GA)

AR Resources showed up on my credit resport after sending a certified letter on XX/XX/XXXX To XXXX XXXX XXXX XXXX to validate two accounts that showed up on my credit report in XX/XX/XXXX {$68.00} Account # XXXX {$150.00} Acount # XXXX The debt was never validated, but AR Resources name was updated.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently checked my credit report and I noticed Bank of America submitted a 30 day late payment to credit bureaus. It states for XX/XX/2018. But I paid the car in full XX/XX/18. Payment was due XX/XX/18. I also have a grace period. I have never been late in any of my accounts with Bank of America or other creditors. I never received a call from anyone in their collections department for late payments or anything. I tried to call and find out whats going on and I am told a supervisor will call me back. I never received any calls back. At Bank of America even one day after payment is due and they havent received it the calls start. I feel as if this company is being unreasonable and not treating the situation as it is. I have paid off 4 vehicle threw them and was NEVER late. Please help me fix his issue. My credit has dropped over 60 points because of this.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MI)

I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead, every time I log in, I have to resubmit all my information ( account, SSN, security questions, etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this " error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues, them, please make me a part of the class action.
Consumer complaint received 2022-09-14
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. (NV)

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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance : {$46000.00}
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NH)

In 2019 When XXXX merged with XXXX I called to put both my cell phone and TV on the same bill. They set me up with a SECOND XXXX XXXX  account. I paid two separate bill for approximately 3 months until I realized what was happening ( I was being charged two times for the same service ) they refunded me the money. 
Fast forward to this year. When I disconnect my XXXX account I had a {$0.00} balance. Two months after disconnecting I saw on XXXX XXXX that I had been sent to collection for a past due amount with XXXX. I never received a bill. The collection company ( Franklin Collection ) never sent me a bill. I asked Franklin Collection for a breakdown of the charges. They said I had closed the account and didnt pay my bill XXXX false ). I called XXXX and they informed me that it was from the REFUND they gave me in 2019 ( that was a result of THEIR mistake of over charging me ). 
This is fraudulent and companys shouldnt be able to use collection agencys so frivolously as it damaging my credit. I do not owe any other company but them.
Consumer complaint received 2020-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

We are small business -XXXX XXXX XXXX XXXX-and are attempting to notify about the tactics used by Care credit now XXXX XXXX. 
We have had merchant account with Care credit and for past 20 years since ownership to XXXX XXXX there has been noticeable change in their banking tactics. 
Since beginning of XX/XX/2018 our patients opened accounts with Care Credit - then we had finished treatment they accused us of fraud. We provided Care Credit all signed documents and signed credit card slips but in both cases Care Credit did charge back-this in violation of our merchant agreement! We in good faith did treatment the patients then dont want to pay Care credit and file complaint. We provide all required paperwork Care credit ignores it and does chargeback to appease patients. We are small business and hiring attorney to fight this we would win but financially we can not afford to. We have closed our merchant account with Care Credit -XXXX XXXX . 
They charged our account merchant fees on initial two payments and again merchant fees when they did chargeback! This is theft and we are sure they are doing this to other merchants at behest of unscrupulous Care Credit card holders. We sincerely hope they are shut down and wanted this on the record
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (UT)

I recieved a copy of my credit report while trying to refinance my house and several times before I have disputed the same issue at least ten times and they keep telling me the information is correct and I need to contact the bankruptcy court. So I contacted the bankruptcy court via email and phone and the lady at the bankruptcy court clerks office sent me several emails to send to equifax stating they need to remove the bankruptcy 's because they were part of a third bankruptcy that was discharged. Again they said they did there investigation and said the bankruptcy 's are reporting correctly even though I sent them the copys of all the emails from the bankruptcy clerks office with her name that she told me equifax could call her and she would verify the information. I called her and she said equifax NEVER called her to verify anything. I have copy 's of her emails and I can fax them or send them by mail to the CFPB but equifax has copy 's of the emails unless they are untruthful about having them but I have a signature garentee delivery via USPS to prove they received them
Consumer complaint received 2017-04-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I lost my job XX/XX/2017 and fell behind on my credit obligations. As my creditors called i would explain the situation. All except for Capital One stopped calling. 
I have recived over XXXX calls robo calls from Capital One beginning at XXXX. I have ask them to stop calling on several occasions.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pressler & Pressler, LLP (NJ)

I had XXXX XXXX back in 2012 my insurance did n't cover the doctor bill and i could not afford the {$6000.00} from private doctor so Pressler & Pressler took over. As a single mother its hard for me to pay rent and utilities never mind an extra monthly bill at no fault of mine " XXXX health insurance ''. I read an article in the XXXX XXXX about XXXX today and i thought to myself wow they have been sending me threats that they will take me to court, garnish my check sue or possible jail time. I 've been paying since 2012 and still paying to this present date. There are some months that are rougher than others so i only pay what i can and the next thing i know my phone is ringing off the hook and i get a letter stating there going to take me to court. Ive had debt before and most collection agency work with you not against you.. they make settlements etc Not XXXX XX/XX/XXXX makes 5years ive been paying them because there interest rate is over 30 % which i thought was illegal in itself in NJ. Thank you for time in this matter.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is 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 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX RE :  Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Consumer complaint received 2018-07-04
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: Carter-Young, Inc. (GA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX  well as follows 1. XXXX twice, 2. XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2018-07-04
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: Experian Information Solutions Inc. (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear XXXX, Experian, XXXX RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX  7. XXXX 8. XXXX 9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

The credit agency representing  XXXX  has violated the FCRA by not providing signed documents to me in regards to this debt. I have no knowledge of this creditor and have not received anything that pertains to this debt.This s unverified and immediately needs to be deleted from my all credit files. :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If ERC does not have any documentation, they need to retract this from m credit file immediately.