davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and Deltas investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through Synchrony Bank. These documents were presented to me for signature at the end of my eight hour, routine crown restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. Synchrony Bank was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : XXXX XXXX. XXXX ; Synchrony Bank vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the Court on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

Synchrony Bank then sold this debt, which was dismissed by the Court by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, XXXX XXXX XXXX name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because XXXX is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

XXXX has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and XXXX, I could not have my name on our new Mortgage thus, I am now vulnerable. 

XXXX XXXX has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, Synchrony Banks Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report XXXX us showing them as payments made. 

Thank you.
Consumer complaint received 2022-07-18
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. (CA)

I have disputed this account numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This particular account is undoubtedly placed as a charged-off account, why is there a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it with 0 or eliminate the account certainly. 

XXXX XXXX Balance {$580.00}
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (CA)

I tried linking my banking account with XXXX a cryptocurrency platform and my connection was blocked. I haven't called the bank to settle this yet but I wanted to file this here. This was done today. Earlier the bank called because they had blocked a transaction of purchase and they asked if it was me and I let them know. They should have allowed this connection to go through already. I would just like to figure out why does this continue to get blocked with they had talked to me earlier. Thank you
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (NY)

I am filing this complaint cause there is a loan in my credit that is fraudulent. I have tried to get this matter resolved by filing a police report and a identity theft report with law enforcement and have not bee able to get anyone to help me get this removed
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone with the intent to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion ' s responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX / XXXX XXXX
Consumer complaint received 2021-03-31
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. (AZ)

Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with Transunion. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, Transunion sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (CA)

I called Synergy Consulting Services and explained that this should have been paid by XXXX and or 2nd Ins. and they said they couldn't do anything except to collect from me as it was now in collections. I called the XXXX XXXX that sent the bill to them and they said it was sent in error. It took many phone calls to follow up, making sure the account was cleared but in the mean time they reported it to the credit bureau and won't send a letter withdraw the derogatory statement or put send a letter explaining it was an error.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I have contacted Amerihome several times to have this issue resolved. My loan company service provider sold my loan to Amerihome and sent them my check for the first mortgage payment. When Amerihome cashed the check, they cashed the check {$400.00} short and applied the amount as a principal payment instead of a mortgage payment. I spoke with a rep who told me to make the additional {$400.00} payment as a principal only payment. They would combine the two principal only payment and apply as a single mortgage payment. It has been weeks. I've called several different times and the incompetent customer service representatives have advised me that the update has been made, but it is not updated on my online account. The last representative informed me that the representatives keep closing out the request without actually doing anything.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
TransUnion, XXXX and XXXX companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following accounts : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( 6 mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-02-14
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 1681c. ( a ) ( 5 ) Section 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 ) 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 2022-07-18
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. (MO)

I mailed via USPS both Equifax and XXXX notices of an unrecognized collection due to identity theft on XX/XX/XXXX via certified mail. 

XXXX Tracking # XXXX Equifax Tracking # XXXX Account name XXXX XXXX - XXXX Account # XXXX Neither company has completed a proper investigation pursuant to FRCA 15 USC 1618 considering the account is a result of identity theft and unverifiable and must delete or face a fine.

Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. 

How can an account be both open and a charge off? 
How can an account be both open on XX/XX/2014 and XX/XX/2014? 

This information is inaccurate and fraudulent and pursuant to the FCRA any account that is reporting inaccurately must be deleted. PLEASE REMOVE.
Consumer complaint received 2017-05-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (OH)

I purchased my home  XX/XX/XXXX , and my original loan was with  XXXX   XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}.  XXXX  sold the {$43000.00} to  XXXX  shortly after my purchase, the 80 % was sold to  XXXX   XXXX . I made payments for 6 years to  XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan.  The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call  XXXX  through the regular mortgage number, it was a special department at  XXXX . The loan was sold to  Greentree, then I guess Ditech f or the original amount of the loan in  XX/XX/XXXX ! I stopped paying in  XX/XX/XXXX  due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in  XXXX . Ditech charged the loan off with original balance due from   XX/XX/XXXX ! They are still reporting as delinquent in  XX/XX/XXXX  even though charged off in  XX/XX/XXXX .
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mailed letters on XX/XX/XXXX  to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have allays had my account set to automatic payments for 'statement balance ' and somehow they got switched to min payment. I have tried contacting Bank of America multiple times and can never talk to someone. I tried updating it on my own, after multiple tries I got it updated myself. I noticed that I had been charged {$18.00} in interest ( I am a balance payer ). Again I made multiple attempts to reach BofA and finally got someone on the phone. Explained situation, specialist in a nice way insinuated that I was in error or lying. Told me he would put in request to refund fee, put me on hold for XXXX min and then told me they would not refund. 

They are using unfair and deceptive practices.
Consumer complaint received 2024-02-14
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. (IL)

I have no knowledge of these accounts or applying to any of these accounts. 

Dear XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PA)

The account where openned under my name, ss, and I found out that I had identity theft happen back in 2019, I had a state police contact me about my name being used for fraud. I was asked to come into the state police location and do a report of my own. Here are the three reports I have had to make regarding identity theft : XXXX XXXX XXXX I have tried to contact all the parties involved and none of the credit card companys have done anything to remove from my credit report. I have on my credit report a notice that I have identity theft done. I've had my bank even contact me during XXXX about about someone trying to access my banking information. 

The accounts I did not open are the following : XXXX XXXX  XXXX XXXX XXXX Discover Bank The police reports I have filed details the accounts that were from the identity theft.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (SC)

I opened a online bank account citi bank in XXXX 2021 transfered XXXX from XXXX XXXX my bank on XXXX XXXX XXXX before my transfer was approved the new account fruad departmemt locked the account on XXXX XXXXXXXX i call citi my transfer was still pending i try to cancel the frasfer with XXXX XXXX but they told me citi needed to cancel so i called citi told them to cancel the transfer but because the account was locked they would not cancel now i call citi and they are asking me for a cell phone Number that will regester to me through public records I don't even have a cell phone nothing registered to me in public records therefore they will not unlock my account close my account let me get my money or anything even though I transfer that money into the account from another bank XXXX XXXX that is also in my name i have my social security number ATM XXXX card my pin number my driver 's licence must birth certificate and they still will not release my account and keeping my money because they will let me have my money there telling me that there's nothing more they can do to help me at this point i need to calk back whem i get a cell numbee that will verifie me in public recoreds im not gon na get a celk phone any time soon please can you help me get my money out they i would like to take close the account get my money back it is my goverment funds i live on very littel momey this was my stimulas payment this has been going on for XXXX months now im visoting my family in XXXX i wemt to a XXXX and they tties to find my account amd i was told the account does not exsit there is no account so where is .my momey