davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
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. (FL)

XXXX XXXX is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.
Consumer complaint received 2021-05-02
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: Contemporary Information Corp (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Contemporary Information is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Contemporary Information is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Contemporary InformationXX/XX/20. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Contemporary Information is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I, XXXX XXXX on XX/XX/XXXX, received a bill dated XX/XX/XXXX from Progressive Management System which is a violation of 15 USC 1692b and had a consumer transaction with with XXXX XXXX XXXX  XXXX XXXX. In this letter they included Medical procedures information and Health Insurance information relating to my Daughter, XXXX XXXX which is in violation of 45 CFR 164.508a ( 3 ), 45 CFR 164.508 ( 4 ) and 42 USC 1320d-6- ( a ) ( 2 ) which states they committed and offense by obtaining individually identifiable health information and an authorization is required and they did not get that authorization from me. In this letter they used obscene language to threaten me to continuously tarnish my reputation and credibility which is a violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ).
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tower Loan of Mississippi, Inc. (GA)

Few months back I got contacted by an debt collector from Tower loan. She kept calling me almost each day. I thought it is a fraud call as whenever I asked her to send me a documented copy of the loan paper that shows that I have taken that loan, she denied. Instead she asked me to go there in their office, which did not make sense to me as long they can not share the real proof that loan has been taken on my name. This kept happening and I still continued to think that it is a fake call. I also kept getting mails from tower loan which just tell that I should go there and talk to them. All of these seemed nonsense to me as they could not provide the real document. In the meantime I moved to Georgia where I got a new job in XXXX. when I got the last mail from Towerloan, I got suggested by my friend to check my XXXX report, which showed the loan that tower loan kept claiming that I have taken from them. This made me realize that something really wrong has been happened.
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IA)

I have been receiving multiple calls per day. Some within 30 minutes of each other. I receive calls from XXXX. On XX/XX/19 they called me at XXXX XXXX  and again at XXXX XXXX. That is only 27 minutes apart. Today, XX/XX/19, they called me from the same number at at XXXX and then at XXXX. That is only 20 minutes between calls.This is becoming harrassing. I made an attempt to talk to them about it. I talk to 3 different representatives. 2 of which claimed to be supervisors. They all did not care that the calls were made so close together. Their responses were to offer a cease and desist.
Consumer complaint received 2021-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Edd card account has fallen into disqualification and Im trying to activate my card online, but it doesnt go through so I. Called boa to activate my card after all Im trying to get a username so I can transfer my fund out My name is XXXX
Consumer complaint received 2021-02-04
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: STERLING JEWELERS, INC. (CA)

I recently, submitted a dispute to XXXX  about the way Jared-Galleria Jewelry is reporting on my credit report. On, XX/XX/XXXX, I received a response back from XXXX stating that Jared-Galleria Jewelry has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) XXXX reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, XXXX reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, XXXX  fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that XXXX  did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2018 I went on XXXX to make my payment. I set my payment to come out on XX/XX/2018 in the amount of XXXX. I go back on the site today to pre-arrange my payment for XXXX and the site says I am past due. The site didn't save my payment. So now I am delinquent with late fees etc ... 

So I started a chat session with an agent. Keep in mind I am logged in. The virtual assistant keeps asking me to log in to my account. I keep saying I am and eventually get to a live chat agent. The system asks me a second time for my account info input the info. The chat agent still says I am not in but on my end I see my account, my name, amount owed, all my details. So she sends me a text and I have to give a code so now we are up to the fourth time logging in due to their system. So that is a red flag with their website. I explain my situation and tell them exactly what I did last month with the payment. I asked for them to waive the late fee. The agent tells me to hold for five minutes comes back and say they can't waive the fee. 

I ask to be connected to someone else they won't. I ask for a name they won't give me one. They tell me that my info and request will be forwarded to management. That if something changes I will see it ... Which is horrible service so I ask a second time for a contact name to follow up they throw me a generic phone number with no name I just need for their website to work and this late fee to be waived.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (NY)

Hello, I received a letter from GB Collects on Monday, XX/XX/XXXX stating I owed {$28.00} to XXXX New Jersey HMO, my health insurance provider until the end of XXXX. During that time period, I was on autopay and never missed a payment. I called GB Collects on Tuesday, XX/XX/XXXX and spoke with XXXX XXXX asking for clarification and proof of the debt. He wasn't sure what the debt was for and said " it might be for a prorated month in XXXX '' which is not possible because I canceled my insurance plan and switched to a different provider well before the marketplace deadline when I moved out of state. I even received a $ XXXX reimbursement from XXXX XXXX XX/XX/XXXX for collecting too much from me when I was still a member. XXXX said he would send me a copy of the proof via email but he never contacted me about it. 

I had not heard from XXXX again until receiving a letter sent to my old address on Wednesday, XX/XX/XXXX stating " After repeated requests, we have not heard from you regarding the above delinquent balance of {$28.00} owed to our client, XXXX New Jersey HMO ( R ). Due to your lack of payment, we are forced to proceed with further collection activity. In order to resolve this seriously delinquent issue, you must remit payment in full of {$28.00} immediately. '' Signed - XXXX XXXX. 

This company is demanding payment without providing proof of claim, which would not exist since all of my XXXX transactions were direct auto-pay. 

Company information : GB Collects XXXX XXXX XXXX XXXX XXXX, NJ XXXX Recovery Agent : XXXX XXXX Extension : XXXX Acct # : XXXX File # : XXXX
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (RI)

On XX/XX/XXXX, I received an email from XXXX claiming that a new account was recently opened in my name at XXXX. I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXX XXXX XXXX XXXX. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the XXXX website. A day later XXXX emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with Equifax, and again, a day later Equifax told me that the account truly belonged to me. I am at a dead end. The company, XXXX or XXXX XXXX, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
Consumer complaint received 2021-05-02
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: Credit Technologies, Inc. (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Credit Technologies is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Credit Technologies is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Credit Technologies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Without my consent or permission, Equifax put Fraud Alert - Causing unbeliveable Troubles for me. Furthermore, I repeteatedly asked this Fraduster to remove the Fraud Alter. Equifax Refused. Then Refused to provide my credit report when replied to their Fraud Altert. What a bully! Equifax want
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: EQUIFAX, INC. (VA)

I have been a victim of identity theft and have worked with all the reporting agencies and creditors to resolve these issues. I have been making progress in getting the proof to the creditors and credit agencies to resolve the issue with the XXXX. Equifax has been presented with all the evidence the other reporting agencies were and has still yet to address the issue. Furthermore, after knowing there was a fraud alert on my credit report, Equifax has allowed the following inquiries into my credit report without an investigation after numerous attempts to remove these inaccurate inquiries have gone unresponded too XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX .. on XX/XX/XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by XXXX on XX/XX/2021 requested by Bank of America on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per XXXX  Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted Bank of America Credit Department and they were not able to confirm this information because this was not available in its system. 

I set a dispute to XXXX for the Credit Report based on that Bank of America was unable to confirm this information to me and XXXX send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that Bank of America was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AP)

I had to do a XXXX  reassignment to XXXX, XXXX on XX/XX/2019 and was not allowed to ship a vehicle. I submitted paperwork to Santander Consumer to do a voluntary repossession on XX/XX/2019 and as of the today I am still be charged monthly payments for the vehicle and it has not been picked from the location I inputted on the form I sent them in XX/XX/2019. Thank you
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

On XX/XX/2019 I contacted Equifax to have all disputes removed from report per XXXX XXXX. I am currently in mortgage loan process. On XX/XX/2019 I received an alert stating the representative had falsely places disputes on 6 different accounts. This delay has and will cost me approximately {$2000.00} in cost from XXXX XXXX. I contacted Equifax again on XX/XX/XXXX to have problem corrected. I was advised this would take 30-90 days. This will cause me to not follow through with mortgage and loose even more funds. My complaint is with Equifax not XXXX XXXX!
Consumer complaint received 2021-05-02
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: JPMORGAN CHASE & CO. (CA)

I have sent multiple dispute letters regarding a fraudulent account on my credit report, I sent a total of six disputes. Last correspondance I had with XXXX specifically was XX/XX/XXXX and I told the representative the problem about how the person who opened the account used a name that doesnt match my ID/DL card. That is very concerning considering I am trying to purchase a property and this account is holding me back from living the live I deserve!
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 — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I am a Military member which was XXXX and XXXX in XX/XX/XXXX. I requested CA Mortgage Deferral under CA Military Veterans code for 180 days with XXXX XXXX XXXX. While they were veryfying eligibilty the mortgage was transferred to New Penn Financial / Shellpoint in XX/XX/XXXX - XX/XX/XXXX. New Penn Financial was unaware of the Deferral, they 
eported the loan delinquent and started the foreclosure process. Upon arriving back into the US I worked with New Penn Financial to provide the same info required for the Deferral with XXXX XXXX. Initially they stated they do not Defer Mortgage, in XX/XX/XXXX they finally stated they would. Any payments made before would not bring the account current, they required all payments from XX/XX/XXXX to be paid. The house has been sold and Mortgage paid in full as of XX/XX/XXXX. Both Mortgage companies were at fault of not following SCRA proctections available to me as a Military member.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX and Equifax have both made errors reporting and reviewing my credit report. The bureau and the credit union have both overlooked two 30 day late payments that are inaccurate for the months of XXXX & XX/XX/XXXX. I have proof that both payments were submitted and transferred from my checking account before the 30 day mark was hit for both months. I also have proof that these errors on the reporting were caused by the employees of XXXX XXXX XXXX XXXX. 

An error was made by failing to update my ACH payment date & account which caused this problem. After I had submitted new paperwork to update the ACH account, they still made attempts to withdrawal from my saving instead of my checking. Finally after XX/XX/XXXX they decided to finally fix the issue. 

They wrongfully tried to withdrawal money from my savings account for the month of XX/XX/XXXX which is included in the attachments. In XXXX I received a phone call that the payment was overdue, and needed to be submitted due to this issue. I submitted payment on the XXXX along with the new ACH form and they only finally withdrew the amount on XX/XX/XXXX. They then attempted to withdraw from my savings again on XX/XX/XXXX and then finally for some reason withdrew my payment on XX/XX/XXXX for the month of XXXX. 

The payments are scheduled to be withdrawn on the XXXX of each month. Even though they decided to wait until after the XXXX holiday to withdrawal my payment for XXXX ( which was submitted on the XXXX ) the payment finally landed on XX/XX/XXXX due to their error. The XX/XX/XXXX payment requires little explanation as that falls nowhere near the 30 day mark since it was withdrawn on the XXXX. 

I have recently filed two different disputes over this same issue. The first dispute was filed XX/XX/XXXX, the second dispute was filed on XX/XX/XXXX. Both times the dispute was found to be inaccurate by bureaus and the credit union and they have not changed the notices on my report. I have sent the bureau and the agencies these pictures as well but have had no luck with the change. I have directly contacted the credit union multiple times via email & phone call.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

WELL!!  I PURCHASED (3) OF SERVE"S PRE-PAID CARDS.   BUT, THEY WERE LOST/STOLEN BEFORE I WERE ABLE TO REGISTER THEM.  THEY ALL WERE IN A ENVELOPE. SO HAPPEN, I TOOK PICTURES OF THEM FRONT & BACK. AND MY
RECIEPTS BEFORE THEY WERE LOST/STOLEN. SO, THE THIEF USED THE CARDS AND PURCHASED ITEMS ON LINE.  THIS WAS XX/XX/XXXX. TWO CARDS HAD $XXXX ea,. AND (1) HAD $XXXX.  TOTAL OF $XXXX. THE THIEF USED ALL THE MONEY ON ALL CARDS. LEFT -XXXX- BAL. I  ALSO SENT PICTURES OF THE CARDS AND THE RECIEPTS TO SERVE STATING THAT I PURCHASED & PUT MONEY ON
THESE CARDS BUT THEY DID NOTHING.  THEY WANT TO SAY I GAVE THE THIEF AUTHURIZATION.  BUT, WHY WOULD I GIVE SOMEONE MY MONEY THAT EASILY.
THAT"S JUST THEY EXCUSE TO KEEP FROM DOING THEIR JOB!!!  I ALSO FILED A DISPUTE ON THESE CARDS (3) TIMES.  AND EACH TIME THEY DECLINED THEM..
MY POINT, WHY HAVE ME KEEP FILING DISPUTES & YOU KNOW YOU ARE GOING TO DECLINE THEM..
NOW I SEE TODAY WHERE THEY SUSPENDED ONE OF THE CARDS. SO IM SURE THE OTHER (2) WILL BE ALSO, TO KEEP FROM REFUNDING ME MY MONEY... WELL, THAT"S ABOUT IT.