davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I am replying to a credit card debt (#XXXX). I believe the account was already supposed to be closed. I did send a letter request to close it. According to their reply it was closed XX/XX/XXXX. Since then I have continued to receive billing statements  till now, XX/XX/XXXX.  I was charged late fees and interest charges on every statement. I had cancelled my card when I maxed it out at my $XXXX limit.According to their billing statement I now owe XXXX--a difference of over $XXXX. I do not want to pay the $XXXX balance .My limit was $XXXX and I understood that.I am attempting to get help with my debts. I need a written statement of my account that it is closed and my debt amount I am responsible for. Thank you
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Last year Bank of America put my information into the Early Warning System due to an honest mistake. My account was closed due to a check that was entered into their system that belong to an older account of mine. I explained to them that I was teaching my grandmother how to use the check feature on the banks mobile app when my phone froze. While I did n't see the mistake until later I tried to make amends only to still be denied. So now every time I have tried to open a new bank account it is shut down. Being a college student hours away from home it is highly inconvenient.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was looking over my credit report and saw I had five different names, addresses, employers. Am a victim of identity theft my name is XXXX XXXX, my addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX please delete any other names, addresses and employer.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (VA)

I have a high interest rate FHA loan on a double wide, which is now attached to a permanent foundation and has no DMV title anymore. I was told that my lender chase had to work with me on a Streamline FHA Refinance so I could get a lower interest rate, but they are refusing because was a double wide at one point. I have no options as I am upside quite a bit owing about {$100000.00} and the property value is far less than that so I ca n't do a traditional refinance, but I am getting XXXX by the payments and just want a lower interest rate.
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (CA)

2nd complaint. 

I have sent in XXXX requests certified mail asking for Collections Consultants Of California to:1. Prove that the debt is mine and have yet to receive any validation. 


2. I have also requested a HIPAA authorization askingThey have no right to " subrogate '' ( substitute ) themselves into a medical related contract, whether it is by purchase, assignment, transfer, or trade. If they " bought '' the debt, they did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Avadyne Health Holdings, Inc (IN)

My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP!
Consumer complaint received 2019-02-22
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. (SC)

I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (MI)

After an accident, my husband incurred substantial medical bills. While we were able to make payment arrangements for most, one slipped thru the cracks and ended up in collections. L.J. Ross of XXXX, MI. We are not disputing the debt, nor refusing to make payments, our issue is the amount of money this company wants every month is far more than we can pay. They refuse to negotiate and we do n't want this to be unresolved. We want to make payments, but we need them to be willing to work with us, and by that, I mean, we can only afford XXXX a month ( we are, after all, making XXXX other medical bill payments! ) and not pay them the over XXXX per month they want. A little compassion is what we need. We are not trying to get out of a bill, just make it affordable is all.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Repossession : In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

I demand these accounts be deleted immediately or I will file for litigation. 
XXXX XXXX XXXX - XXXX XXXXDOFED - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX FXXXX  - XXXX
Consumer complaint received 2017-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I reached out t o Navient  in  XXXX    XXXX   to renegotiate my payment to a lower amount, since my husband has been out of work for 3 months. They " lowered '' my payment, as I was told and it was supposed to begin in  XXXX . In  XXXX  and in  XXXX  they took out the original amount - not the payment I had agreed to, which was less than {$200.00}. I called them, spoke wit h three differ ent people who all gave me differing information. I asked the last representative why it shows on my account online that I owe them a payment of {$180.00} and they drafted {$250.00} from my bank account. She told me that I can not go by what it shows online. WHAT? This makes absolute ly zero sens e.   In addition, my original principal  on one  of my loans was {$12000.00} - disbursement date of  XXXX . That balance is now {$21000.00}. The other 's original principal was {$13000.00}. - disbursement date of  XXXX . The current balance on that is {$24000.00}. My total balance has risen by almost {$20000.00} while I have been paying on it for 10 years. I will never be able to pay this off and will be in major debt for the rest of my life with this arrangement. How the government allows these lenders and banks to completely run amok and take advantage of the people is beyond me. Something should be done!
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Repossession : In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

I demand these accounts be deleted immediately or I will file for litigation. 
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 2019-02-22
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. (CA)

I have an unauthorized credit inquiry on my credit report. I contacted the company and they told me they could not remove it and to contact Equifax. I contacted Equifax and they have not removed it.
Consumer complaint received 2017-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: U.S. BANCORP (MN)

I would like to file a complaint against U.S. Bank concerning a stolen fraudulent check that presented against our account. We are also looking for some assistance with this dispute that we have with U.S. Bank. The situation involves a stolen check and fraudulent activity on our checking account. On X/XX/2014, I had a check stolen out of my office and on X/XX/2014, a check presented and cashed for {$3000.00}, at Citizens Community Federal Bank. The balance of my checking account was less than {$500.00}, due to this check being cashed a Ready Reserve liability was established in the neighborhood of {$2600.00}. This fraud was promptly discover and informed on X/XX/2014 to U.S. Bank Fraud Department and the local police. Investigations were started both with U.S. Bank and the City of  XXXX Police. After a period of several weeks, U. S. Bank decided to deny our claim to cover the fraudulent activity on our account and started to demand payments to begin to paying off the Ready Reserve Account that was established through the fraudulent act. U.S. Bank froze this fraudulent account and put a Cease and Desist on our account to adversely affect our credit history.
We have contacted the local Branch Manager, the Loss Prevention Department, Retail Collections Department. The State of Minnesota Office of the Attorney General strongly suggested we contact the Office of the Comptroller of the Currency to voice our complaint and to seek a remedy to our situation. I have included copies of our correspondence.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2022, there is a {$110.00} charge. The merchant gave me a credit back since the order was cancelled. So you will see the debit and credit amount from the merchant. Chase then charged the amount again, without the authorization of me or the merchant. That is the charge of the same amount but labeled as REBILL. That should be reversed, since the order was cancelled. 

On XX/XX/2022, there is a {$160.00} charge. The merchant gave me a credit back since the order was cancelled. So you will see the debit and credit amount from the merchant. Chase then charged the amount again, without the authorization of me or the merchant. That is the charge of the same amount but labeled as REBILL. That should be reversed, since the order was cancelled.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (WY)

I applied for pre approval to take out a loan with XXXX XXXX. My bank sent me a note after they had pushed the application through that said my credit score was too low for pre approval because XXXX had passed on a delinquent account, under my name, to a third party debt collection agency. However, I have never nor will I ever have an account with XXXX. In effect, XXXX linked my name and address with a delinquent account held by another individual under the same name at a different address. XXXX had no other information to associate with my name and admitted, on the phone, that the account had been charged in error. They then refused to assist further and suggested I go through the steps necessary to correct their error.
Consumer complaint received 2015-12-01
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sentry Recovery and Collections, Inc. (NV)

On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX updated remarks on all credit bureaus including TransUnion. This report was not updated as it states " settled - less than full balance : closed '' XXXX sent letters to TransUnion. XXXX updated this matter XXXX XXXX, 2016. 

This needs to be updated accordingly. 

thank you,
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (NY)

I was in searching for a new home when I reached out to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I provided my approval letter from a lender that I worked with which was not satisfactory to XXXX to which she said she would accept my offer under the contingency that I would acquire a preapproval from a mortgage company that they worked with ( XXXX XXXX at Homebridge XXXX # XXXX ). I was told I am approved verbally, never received a pre-approval letter. Days later my agent reached out stating that XXXX had declined to accept my offer because of information disclosed to the mortgage broker regarding my financial information. This text indicated my location, my ownership in another home, and my plans to lease this home out. These were only solely disclosed to XXXX 's team at Homebridge. I never authorized this information be disclosed to XXXX as this is sensitive information. A clear violation of lender laws.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent an id theft affidavit to Trans Union to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section XXXX clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 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 consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

There is two Bankruptcies on my credit files in error. I have contacted XXXX, Experian and XXXX via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. XXXX has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.