davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
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 2019-10-23
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. (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BOEING EMPLOYEES CREDIT UNION (OR)

XX/XX/XXXX, XXXX ( approximately XXXX via telephone ) : I initiated a balance transfer to my XXXX XXXX card in the amount of {$5000.00}. I did this in response to the attached emailed ( sent XX/XX/XXXX, XXXX ). The balance transfer promotion was for 0 % interest for 12 months and 0 % balance transfer fee. The email stated, We will apply minimum payments at our discretion. XX/XX/XXXX, XXXX ( XXXX via telephone ) : I received an email from XXXX XXXX XXXX XXXX that XXXX had reported my account at 30 days delinquent. Subsequently, my credit score dropped precipitously. I contacted XXXX  card services and explained the following : 1 ) I am a full member ( i.e. multiple loan and deposit accounts ) that has never missed a payment.
2 ) I am enrolled in electronic statements and never received any notice in my email or via the mobile app ( which, in addition to being heavily promoted as a user interface by XXXX, is my primary user interface ).
3 ) At no time during the XX/XX/XXXXXXXX call was I told there would be a discretionary minimum payment applied to my balance transfer.
4 ) I have made every loan payment to them on time.
In response, the customer service representative ( who was quite understanding and professional ) explained to me : 1 ) A discretionary minimum balance was applied to my account.
2 ) I was sent statements via the US Postal Service.
3 ) Signing up for electronic statements applies to other XXXX accounts ; however, XXXX accounts require a separate enrollment ( this was never disclosed via my phone calls or use of the mobile platform ).
4 ) In sending those statements they legally had the right to charge me late payments and report me to the credit bureaus 5 ) I was told to call back after XXXX and speak with the Loss Management Department XX/XX/XXXX, XXXX ( XXXX via telephone ) : I spoke with Loss Management and was told : 1 ) I was speaking with the wrong department ; I need to email or write a letter to XXXX 
2 ) They legal have to report any account past due over 30 days.
My complaint is as follows : 1 ) Applying discretionary minimums ( while in the fine print ), is misleading and deceptive, especially when at the time of the balance transfer no mention of one was made.
2 ) When enrolling in electronic statements, but not being informed that XXXX products are excluded and require a separate enrollment is deceptive and misleading. Ultimately leading to a less than full communication of the members financial position with the credit union. 3 ) Being encouraged through advertisement to use the mobile platform, but not being given complete functionality is misleading. I check the mobile app constantly and was never made aware of missed XXXX payments.
4 ) XXXX is intentionally hiding behind fine print to provide the bare minimum service as provided by law.
Consumer complaint received 2017-06-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Prizm Financial Company, LLC (VA)

On  XXXX   XXXX ,  XXXX  I sent my first complaint advising of the multiple phone calls, emails and threats fro m Prizm Financial. T oday,  XXXX   XXXX ,  XXXX  I received a second threat for the week of repossession. My account is currentl y 24days past  due for half of the full payment. As I have advised in the past and have always kept my word that my account will not reach the point of repo rting ( 30dys ). I do n't feel the constant phone calls and threats on an account that has not reached 30dys is warranted. This account at 24 days past due should not be in danger of repossession and acc ording to the attached emails that is what will take place this evening if not paid by  XXXX  according to  XXXX   XXXX . I have this account since  XXXX   XXXX  and this account has not been reported  as 30 or m ore days and to receive threats of repossession is unethical and in my opinion illegal.
Consumer complaint received 2024-01-27
Product: Credit reporting 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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX I received notice that Synchrony Bank closed my visa card on XX/XX/XXXX without notice to me. The reason stated in the letter is that review of my account is indicative of high risk failure to pay. Even though I never missed a payment with them and paid down nearly $ XXXX over a 10 month period on an account with them that is on a 24 month promotion until XX/XX/2022. The only thing my credit history is indicative of is not paying fees as I use my credit wisely. Synchrony Bank should not get to impact my credit history with their nonsense. Nor should they get to close my account without notice and risk embarrassing if I had been declined in person. My credit score is over XXXX no thanks to them! 
Additionally when I asked the manager what entity outside of them federal or otherwise I could make a complaint about them to she said she didn't know. I argued with her that she should know being av financial institution. Being in a different regulated industry of a customer asks an employee that question they know exactly what state agency to direct them to.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (TX)

On  XXXX / XXXX / XXXX  Midwest Recovery Systems recorded a collection with all   XXXX   CRA 's related to what looks to be a payday loan in  XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm formally requesting the removal of disputed items from my consumer file as required by the FCRA. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Despite multiple attempts to correct inaccuracies directly with the furnisher of information, including sending multiple letters, I've received no response. The FCRA mandates accurate, complete, and verifiable reporting. If no proof of debt exists and the information reported is not verifiable, it can not be furnished to consumer reporting agencies. I'm not asking for an investigation ; I request that the entry be updated or reflected as closed/never late, as there's no evidence of its validity. I expect prompt action in compliance with the FCRA. 
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 2022-09-07
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. (PA)

A debt collector, XXXX XXXX  XXXX, contacted me out of the blue and claimed that I owed them {$530.00}. I refused to pay since I had no knowledge of them or the debt. They then reported to Experian that I was in " collection '', dropping my credit score XXXX points! This is extortion. I challenged it with Experian but they refused to accept my challenge. This outrageous conduct has to stop!
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Account Holder Very Concerned, the Union Bank Mal-Purposefully Tweaking, the Account Holder 's Credit Card Payment Schedule, to Wait Until the Account Balance Exhausted, Conducting the Bill Payment, and Incurring Un-Reasonable NSF Fees. 

( Mal-Intentionally NSF Fee Charging, the Account Holder. ) Problem Bank : Union Bank. 
www.unionbank.com -- Account Holder : XXXX.XXXX. ( SS # : XXXX. )
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ESM Enterprises (FL)

The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2024 XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by XXXX card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, XXXX had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from Equifax ; although XXXX has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX  Report which was based on XXXX 's report, have lowered my FICO scores considerably. XXXX also lowered my my credit rating all because of XXXX 's initial report. ON XX/XX/2024 XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX who notified me, not XXXX. I am very concerned, especially due to XXXX 's reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe XXXX is not practicing good business principles by authorizing credit increases when they are not requested.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I see in my XXXX XXXX  REPORT an unauthorized Bank of America fraudulent account, I have never had a checking and savings account with bank of america, please REMOVE this account from my XXXX XXXX and also the address is fraud I have never lived even that address in XXXX XXXX
Consumer complaint received 2022-09-07
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)

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.
Consumer complaint received 2022-03-03
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. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Experian Credit Reports. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX FXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (SC)

The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help me.
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-23
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. (OH)

XXXX XXXX XXXX XXXX company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history as soon as possible.
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  XXXX XXXX/XXXX  credit company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history as soon as possible.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (VA)

I had a mortgage through BB & T for a home originating XXXX XXXX. The house was sold in XXXX XXXX as a Short Sale per agreement with BB & T. The Short Sale was reported as a Foreclosure on Equifax credit report that was run XXXX XXXX. XXXX credit shows Mortgage was reported as " Paid For Less Than Full Balance ; Foreclosure ; Fixed Rate. '' However, per BB & T letter dated XX/XX/XXXX, " The loan is to be reported as " settled '' ( LOAN PAID IN FULL FOR LESS THAN THE FULL BALANCE ) to the appropriate credit repositories. '' I need my credit corrected to show Short Sale for the BB & T mortgage instead of Forclosure ; Paid for less than full balance.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

debt forgiveness due to XXXX a XXXX does not begin on the date of its award... 

Veterans are put through years of struggle, extreme poverty, homelessness while waiting for their cases to be determined. 

i put in for my total and perminent XXXX in XXXX... i was awarded XXXX  % XXXX in XXXX. Some veterans wait even longer Companies and reporting agenies file reports that destroy a veterans credit while they endure the long wait for a decision to be made. They are held to a standard that they can not maintain due to mental and physial XXXX. They are punished for not being perfect. 

In the end they are awarded and declared XXXX... the award is often backdated to compensate and recogognize the duration of that veterans XXXX. 
Their debt is discharged but the veteran is not made whole. 
Companies dischrge the debt but not the ledger. They continue to report negatively and cause the veteran great harm. they continue to be held to the standard of perfection as their XXXX are ignored Discharge of debt due to XXXX should reflect the entirety of the veterans XXXX... 
If the debt is truly discharged... the ledger or payment history should be too A Company that continues to file negative reports against a veteran after they have dicharged the debt should be held liable for the damage they are doing the veteran should be made whole why is this abuse allowed?
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KELLER,GRIMALDI AND ASSOCIATES (TN)

Started receiving calls yesterday from  XXXX . The person calling said his name was  XXXX   XXXX  and was with the litigation department at  XXXX   XXXX   (   XXXX  ) and  XXXX . Said a claim was filed against me in  XXXX   XXXX  and that I could call back to make retribution out of court. He called again today and provided the birthdate of   XXXX   XXXX   XXXX   which is not my birthdate. He said that I was the sole defendant and today was the final notice. It  may  be a scam or they have the wrong person.