davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (AZ)

I was offered a settlement and I paid the settlement offer in full on XX/XX/2018. This has not been updated on my credit report to reflect the account was settled and I have a XXXX balance. Please see attached letter showing the settlement offer and the letter showing the account has been paid.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. 
my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. 
SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. 
I can submit past 6 months of payment slips if necessary. 

Thanks XXXX XXXX
Consumer complaint received 2018-10-30
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. (GA)

XXXX XXXX XX/XX/2018 Equifax, XXXX, and XXXX  RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by reporting wrong or inaccurate information onto my credit reports
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$610.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act.

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations.

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 I have 2 inquiries on my credit report because they failed to identify me at the first time giving them my social security number, my phone number, my address and my driver 's license number. They asked me to take a picture of myself at Lowe 's store, and they end up telling me, " we couldn't identify you based on the information you provided, the picture was not for you, so we can't issue a Lowe 's Advantage card ''. I filed a complaint with the XXXX, and they said " we are sorry, we made a mistake ''., they issued a Lowe 's Advantage card for {$10000.00}. 

I called and asked them to remove the first inquiry because it's their fault. They sent a letter saying, " we can't remove the first inquiry because you could not identify yourself ''. But they could identify me the second time without a picture and issued the card. I spoke to a supervisor after receiving that letter, and he promised to put a request to remove that inquiry. Today, XX/XX/2022, meaning, XXXX months later, I called and spoke to XXXX, account manager, who said, I can't put request to remove this inquiry, because you failed to identify yourself to us. I said, no, you failed to do that. You issued me XXXX credit cards based on the same information. I hang up and called again, after being on hold for an hour and XXXX minutes, I spoke to manager, XXXX, who said, I will put another request. I asked : why XXXX, the account manager refused to put that request again? She said, I don't know. the system in Synchrony Bank is defected. 
The same problem with their automated service is still happening today : you call and enter account number ; it says we can't find an account. Entered social security number, the same reply. We can't find that social security number, after pressing XXXX more than XXXX times, I spoke to a representative who said, yes, I have your account number and SS number. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Purchase a puppy from an online breeder. Payed with Zelle. Paid {$850.00}. 
XXXXXXXX XXXX wanted money for a larger crate. {$1600.00} No puppy came and no refund. Then they wanted more money for insurance. 
I have emails, text messages and pictures I have filed with the local police and tried to get the bank to stop payment or refund
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I was in the citi bank settlement and never received paymens at this time i have no accounts at this for banking my address is XXXX XXXX XXXX XXXX ca XXXX for XXXX XXXX XXXX my phone number to reach me at is XXXX. also I was in the XXXX XXXX settlement and i never received the refund also the citibank settlement either. also I'm a victim of identy theft where someone one has open all kinds of accounts with my info first XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, citi bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and taxes with XXXX and receiving payments with XXXX  for XX/XX/XXXX XXXX XXXX  XXXX and XXXX powerball payout. my ca dmv id XXXX was stolden for a whole year that they were using last year with my info I just recived a new one in XX/XX/XXXX XXXX if theres any way you can help me pleas contact me by mail XXXX XXXX XXXX XX/XX/XXXX ca XXXX or phone XXXX thank you sincerely XXXX  XXXX   als they had many XXXX XXXX  acciount with my info and XXXX cards
Consumer complaint received 2022-05-02
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: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer has Violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan payment account under an open end consumer credit plan as late for and purposes
Consumer complaint received 2023-03-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

However, my account was close due to valid fraud claims that I have been through since opening my account. My vehicle was stolen multiple of times and all of my personal Information was taken. I been having trouble keeping my bank account secure. Furthermore, USAA closed my account due to suspicious activity & I havent didnt do anything wrong but besides to keep my sccount secure. Now my bank is restricted, I have a family and a life. I now cant access any of my funds. They want me to wait 60 days on my money to get. This is ridiculous!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : Acct # XXXX, XXXXXXXX XXXX  : Acct # XXXXXXXX XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX. ALL has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States : 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
Consumer complaint received 2018-07-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
Consumer complaint received 2023-07-03
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-30
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. (TX)

TransUnion still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that TransUnion as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately. 

On XX/XX/18 I mailed the attached notice of dispute requesting physical verification per FCRA section 609 ( a ) ( 1 ) ( A ). Delivery of certified mail was confirmed on XX/XX/18 On XX/XX/18 TransUnion sent 2 correspondence to my address completely changing my name. Listing me as XXXX XXXX XXXX XXXX. The first letter stated I needed to verify myself. The second one stated that these accounts " AREN'T '' listed on my report. I responded and sent a copy of my bank statement on XX/XX/18 to confirm my identity. On XX/XX/18 I received more correspondence from TransUnion. This time it was a full report. The report included the accounts that I stated but still did not state that they were initiating an investigation from notice of dispute. So it is without a doubt that my identity was confirmed if TransUnion mailed a credit file to my address. XX/XX/18 was 30 days from confirmed certified mail delivery date. A week later XX/XX/18 I reported TransUnion to CFPB for not following the reporting regulations of responding to my dispute within 30 days. 8 days later on XX/XX/18 TransUnion only responded with this statement. " After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. '' The original notice of dispute was mailed to their appropriate address which handles consumer relations and " confirmed delivered '' XX/XX/18. So there wasn't any need to state what they obviously already knew. This was just a way to buy themselves more time which isn't justifiable with the proof of I've provided via the attachments.
Consumer complaint received 2023-07-03
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, Equifax sent me a letter indicating that a creditor had reported a new address for me. This letter was received on or around XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called the phone number on the letter ( XXXX and spoke with XXXX . He confirmed the address on the file was the one mentioned in the letter. ( This was an address that I lived at over 10 years ago. ) I explained that I wanted to know who reported that. He couldn't help with that request. I explained that I was going overseas on XXXX and wanted to try to clear up any possible ID fraud or errors before I left in an effort to mitigate any potential damage to my credit report in my absence. I asked to speak with his manager. I was transferred to XXXX. She couldn't help any further. She told me the only way to correct it was to FAX a copy of my drivers license and lease to XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX ( XXXX XXXX Customer Service ). Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he couldn't help, as he was only tasked with helping with billing or website access issues. Told me to call Global Customer Care Department at XXXX. 

On XX/XX/XXXX at XXXX, called XXXX. Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he also couldn't do any more than XXXX or XXXX. 

On XX/XX/XXXX at XXXX, called XXXX ( Equifax customer service number found online ). At XXXX, XXXX answered. I explained the situation and she said she couldn't do any more than XXXX or XXXX. 

I won't have access to a fax machine until tomorrow ( XX/XX/XXXX ), but I will be faxing my lease and drivers license to Equifax first thing tomorrow morning.
Consumer complaint received 2021-09-20
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: Experian Information Solutions Inc. (WA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX ....
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX ( XXXX XXXX XXXX Store Credit Card ) ending in XXXX. I received a late notice from XXXX XXXX  saying that I was late and the company also assessed a late charge of {$38.00} to the account for the month of XX/XX/XXXX. The account is interest-free until XXXX and with a minimum payment of {$68.00}. However, on XX/XX/XXXX, I made a payment to the account for {$100.00} to was meant for XX/XX/XXXX. A called the bank on XX/XX/XXXX, to correct the payment and to have the payment applied to the XXXX month. I was told the payment had already applied to the principle and as such the payment could not be moved or credited to the right month of XX/XX/XXXX. 

This a scare tactic that the bank has employed to frustrate customer into paying off the account since they know they are not earning any interest. I was actually told that " they could not help me ''. In order to prevent any negative marks on my credit, I made a payment of {$68.00} on XX/XX/XXXX. With the payment, they received two payments from XX/XX/XXXX. 

I believe the bank is discriminatory towards customer they are not making interest payment off. I think the bank is out to frustrate customer with these accounts into paying off the account early through harassment and servicing frustrations. XXXX XXXX   needs to be held accountable for such acts as they are making other financial service companies look bad.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Friday XX/XX/22 Bank of America froze my checking account and hid the money in my savings account. I called and spoke to the fraud department where I was informed that XXXXXXXX XXXX had filed a fraud claim against my account. We called XXXXXXXX XXXX and had the erroneous claim removed. XXXX XXXX told me that they had called and spoken to Bank of America and that it was to be removed and money returned to my account. I spent 4 hours on the phone, between Bank of America and XXXX, and was told that Bank of America was waiting for something in writing to come from XXXX. As of XXXX pm on Monday XX/XX/22 Bank of America still has not returned my money to my account. They have spoken to XXXX they know that this has been taken care of yet they are not reinstating my account. After telling me on Friday that it would be done within an hour of being notified by the other bank, I am still dealing with this. I have spent over XXXX hours on the phone today trying to get this situation fix. Someone needs to be held accountable when mistakes are made.