davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (AL)

XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX  these accounts 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 2022-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Olson Associates PC (UT)

I took my son to the emergency room with intermountain hospital XX/XX/XXXX. My son is double insured with XXXX and XXXX. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called XXXX thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since XXXX did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to Olson Shaner attorney for a lawsuit. After doing some research and calling XXXX and the original debt owner I found that the bill was paid by XXXX within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from XXXX showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.
Consumer complaint received 2022-06-21
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

On XXXX, 2022 there was a charge for {$2100.00} on my debit card which I did not authorize. I was on vacation in XXXX during this time. ( Cant be in two places at once ) I advised Citibank of the problem, filed a dispute, which they denied. On XXXX, 2022, on advisement from Citibank XXXX I faxed all supporting documents. I did so on three occasions. Citibank claims they have not received any documentation and refuse to cooperate.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/XXXX I paid off my PayPal credit card via a balance transfer from my XXXX card in the amount of {$870.00}. XXXX sent is on XX/XX/XXXX. It went to my old account # which I did not realize had changed when I got a new PayPal card. I have called numerous times, sent documents, faxed documents and 10 months later it still has not posted to my account as a credit and deducted from my balance. on XX/XX/XXXX, after a call it finally posted, only to be reversed on XX/XX/XXXX and has yet to be be reposted as a credit. 
I am beyond frustated and stessed out over this. and I want it resolved now! 
I appreciated and help and resolve you can help me with. 
Thank you
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

Hello, I recently signed up for a new Citi Premier card ( ending in XXXX ) on XX/XX/XXXX. The information packet I received with the card indicated I was not eligible for the sign up bonus of XXXX points after spending {$4000.00} in 3 months because I either " earned a new cardmember bonus or closed a Citi Rewards+, XXXX XXXX  Preferred, Premier, or Prestige in the past 24 months '' However, I keep very diligent records and see that the last XXXX  card I earned a signup bonus was a previous XXXX XXXX card which I opened on XX/XX/XXXX ( ending XXXX ), for which I received the bonus points in XX/XX/XXXX ( see attached XXXX  points history, and note that the name listed is XXXX XXXX because that is my maiden name ), which would mean the 24 months has since passed between then and my newest application. 

Of note, I have converted products from that Premier card ( which ended XXXX ) to a Preferred in XX/XX/XXXX, and then to a Rewards+ recently in XX/XX/XXXX, but I never closed any of those XXXX   cards. 

As such, I have neither earned a new cardmember bonus or closed a XXXX  product within the last 24 months and should be eligible for the bonus on this new XXXX  Premier card. 

When I called Citi to explain this issue, it came to my attention that the representative saw an apparent previous Citi Premier card opened on XX/XX/XXXX ( ending in XXXX ). This is a Citi Premier card opened by my HUSBAND, not by me. I believe that during my application for my Premier card ( ending XXXX ) that I accidentally put in my husband 's SSN rather than my own, and I had to call the application department to correct the application. However, it appears that this original mistake is what caused my new account to be flagged as ineligible for the sign up bonus, due to the original SSN linked to the application to be associated with a recently opened XXXX product. I assumed this would be a simple mistake to correct, and was told the situation would be explained to the " back office '' and that I would receive a letter resolving the issue. However, I have since received a letter stating that I am still ineligible because I was requesting a " new account offer [ be ] applied to [ my ] existing account, '' and that new offers are only available on new accounts. 

This completely misses the point that the original offer should have been applied to the new account but was erroneously not-applied due to a mistake on Citi 's part. I am not trying to apply a new-card bonus to an existing card ; I am trying to have a wrongfully refused new-card bonus properly credited to a new-card. 

I have since tried repeatedly calling in to explain the insanity of this response by Citi, but am unable to speak to a human and get hung up on by the computer system.
Consumer complaint received 2022-08-19
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

A debt collector, EOS CCA, has been attempting to collect a payment for a XXXX account that is not ours. I have repeatedly written to them requesting the information on the debt as per the Fair Credit Reporting Act. I have never received a response from them, and they continue to send letters/call about the debt. They sent the first request on XX/XX/XXXX for a XXXX account from XXXX in the amount of {$200.00}, which I responded to with a letter which they never responded to. Their second billing came on XX/XX/XXXX, which I again responded to with a letter. Their third request came on XX/XX/XXXX, which I again responded to with a letter. All correspondence is attached. We have also been getting 2-3 phone calls/day on our home phone number from a debt collector which I have not been answering. 

We had a XXXX account for this service that was disconnected in XXXX when we sold the house. All bills, including the final bill, was paid in full at that time.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (GA)

Synchrony has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by Synchrony before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Synchrony to furnish any late payments to my consumer report. It is my belief that due to Synchrony business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 
I have contacted Synchrony close to 16 times through out the past eight months when the accounts in question appeared on my credit reports causing me to be denied for home loans/refinancing of my car and various other credit applications as a result. 
I have formally written letters requesting investigation with each of the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), without a resolution or proof of investigation.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Entrata Inc. (CA)

I moved into XXXX XXXX XXXX  XXXX, owned, and operated by XXXX XXXX on XX/XX/XXXX. Each month we are sent e-mail solicitations encouraging us to pay online. XXXX XXXX does not accept debit cards, or cash at its office, only checks. We are billed back electronically via e-mail for water, sewer and garbage by its service bureau XXXX Entrata Inc. Entrata operates the resident payment portal, which is advertised as an apartment feature and charges a convenience fee to provide locations where you can pay your rent via cash and charges a range of convenience fees for paying rent via debit, or credit card according to the type of card and the product type ( consumer, or corporate or prepaid ). I was charged a {$42.00} convenience fee instead of {$6.00} for paying my rent with my small business XXXX debit card. Both convenience fees are prohibited by US merchants under XXXX rule XXXX and XXXX Rule XXXX. On XX/XX/XXXX, I received a notice from Entrata Insurance Agency LLC that my renter 's insurance policy was not valid using the name residentinsure. I have no dealings with such entity as my policy is with another carrier. I raised my concern about the Financial Institution Privacy issues ( an insurance agency and a bank Merchant Service Provider are covered entities subject to the GLB Financial Privacy Act and were required to disclose they had my information with a notice of privacy practices. I receved a letter dated XX/XX/XXXX from their general counsel stating they were a software company and not subject to such requirements and properly registered. Entrata Inc. is not registered to do business in the state of Oregon and is not licensed a money transmitter, and does not disclose the name of the bank for which it is engaging in XXXX activities as requried by the card associations. I ordered a copy of the merchant record for the transaction and my bank confirmed that the merchant account is held in the name of Entrata Inc. Entrata Insurance Agency LLC is not licensed a full service producer/consultant in the state of Oregon but reciprocal with the state of Utah as a license manager. It has no authority to review the insurance policies of a person wh tates so in the privacy policy dated XXXX on its website.
Consumer complaint received 2022-06-21
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. (NY)

There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Consumer complaint received 2022-08-19
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. (NC)

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT one time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Navient reported on my credit report that I was 90 days late even though Im under a forebearance and I applied for that forbearance months ago. Can you tell them to take that off of my credit report as I am currently trying to apply for work and when they run my credit they will see that. I can not get a job and pay back if that is on my credit report. Even if its a one time exception I still need that off my credit report. There are multiple remarks. I just attached one
Consumer complaint received 2022-08-19
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. (NY)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX BANK Account XXXX XXXX, XXXX XXXX Account XXXX XXXX.
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (NC)

SCA Collections Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : The Office of Registered Agent for SCA Collections Inc. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXXu. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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 demand that the credit bureaus investigate and prove to me that all negative items on my credit report be validated.

According to the FDCPA 15 USC 1692 g states that all debt must be validated this include all collections and closed accounts plus credit card accounts
Consumer complaint received 2022-08-19
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. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.