davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for  collection activity.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I don't know the dates, amount or company, as this was over 20 years ago. Portfolio XXXX bought an old debt from some credit card company They call my phone everyday before the new law went into effect theywere calling 6-10times a day.Now they call everyday from a different number. No message nothing I have caller ID so that's how I know it's them. Phone numbers within the last week are XXXX, XXXX, XXXX these are just part of the numbers. I have asked them to cease and not to have any other contact with me for the last 4 months. They continue to call Everyday once someone did reply with a laugh and said I can call you everyday and you can't do anything about it. I'd didn't write the date down. I've even tried to block their calls and they use another number. I don't even know what credit company it's for. But I do know it's been atleast 20 years ago if not more
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

SERVICER : FEDLOAN LOAN # XXXX I am eligible for a REFUND as stated by XXXX program when I overpaid over 120 payments. From XXXX ( 28 payments totals to the amount of {$3400.00} )
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It all started after I got my purse stolen in 2021. Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.
Consumer complaint received 2022-06-06
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. (TX)

It all started after I got my purse stolen in 2021. Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IN)

I received an affidavit in the mail stating that I owe XXXX {$1000.00} from the year XXXX  that I knew nothing about. Ive never order from XXXX before and Im trying to resolve this issue because theyre trying to sue me for {$1000.00}. I do believe that my social and my name has been tampered with fraud. I need help with this situation I can not afford to be sued my phone number is XXXX. If any questions email address XXXX XXXX.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

It all started last year with the equifax data breach. I have put every security measure possible on my finances and credit report, including services offered by equifax such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called equifax to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AR)

Went to XXXX XXXX XX/XX/2017 paid the amount owed the doctor said come back 7 day later there would be no charge this collection agency is puttin false charges on my XXXX XXXX XXXX credit reports I done went back to XXXX XXXX  they said there was no charge this collection agency should be fined by the federal government + they are putting medical information in credit reports
Consumer complaint received 2022-06-06
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. (MS)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX Account # XXXX -XXXX  Account # XXXX -XXXX XXXX  Account # XXXX, has violated my rights. 
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 a account without my written instructions.
Consumer complaint received 2022-09-28
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. (TX)

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Consumer complaint received 2022-09-28
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. (IN)

I was told to file a complaint here also XXXX XXXX XXXX reference number XXXX inquiry was a fraudulent process in my name and ssn info XX/XX/2022 and needs to be investigated and removed and hold the person responsible accountable
Consumer complaint received 2022-09-28
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. (GA)

There are inquiries on my credit report, that do not belong to me and are deemed fraud. These accounts do not belong to me. I have reached out to XXXX, XXXX and Equifax to rectify the fraud accounts. These fraud accounts are hindered me and I need them removed asap. Below are the accounts which are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


XXXX XXXX XXXX BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) BALANCE XXXX {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX
Consumer complaint received 2022-06-06
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. (NV)

In accordance with the Fair Credit Reporting Act, Fair XXXX XXXX XXXX, Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

We have been holders of the Amazon credit card ( Chase ) for many years. Over the past 10 years or so, we have paid every monthly balance in full AND on time, and have accrued no interest. On the XXXX statement, the balance due was {$1800.00}, and I inadvertently paid only {$1600.00}, leaving a balance of {$170.00}. On the XXXX statement, we were charged {$21.00} interest for the shortage. By my reckoning, that amounted to about 145 % annual interest for the shortage. We then paid everything that was due, plus the interest, plus a few dollars just to be certain and ON TIME! On the XXXX statement, Chase charged us {$38.00} for a fully paid balance! Their answer to me was that since we were short the previous month, they had a right to charge interest whether it was due or not. I requested the interest be waived, and they said it simply ca n't be done. Is n't this usury?
Consumer complaint received 2022-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

I have 3 loans with SunTrust. Truist obtained my loans. I have electronic payments set for every month. XXXX, XXXX and XXXX processed perfectly. 
However, XXXX, XXXX and now XXXX, I am having an issue with one of the properties. Truist received all payments on time but they aren't applying the payment to one property. It is being held in suspense. I have called several times only to be transferred multiple times and disconnected multiple times. Now my credit is being negatively impacted and the Truist website will not accept my XXXX payment. Everyone at Truist that I have spoken to gives me a different answer.
Consumer complaint received 2018-10-24
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. (OH)

I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, XXXX, Equifax need from me to move this process forward??
Consumer complaint received 2022-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is a Bank of America account that was settled back in XXXX Until today XXXX is reporting incorrectly which is a violation of my FCRA rights. This account has been settled and the creditor has sent a letter of deletion. XXXX is reporting inaccurate information its still showing as a charge off account XXXX is the only reporting agency reporting this account. I have sent several disputes to experian and they will not remove and when they dispute bank of america is not even getting the dispute
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld systems listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Bankruptcy on my credit report was not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). After providing them with numerous documentation, their response was the Bankruptcy was verified. On XX/XX/2018 I provided Equifax with a letter from the Bankruptcy Courts here in XXXX XXXX XXXX, FL. Stating they do not report to them. I also provide them with a copy of the XXXX XXXX freeze letter from them, explains the freeze on my account with them. Equifax has failed to verify or Vaildate this account on my credit report.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (MS)

I have sent my complaint to you once and XXXX XXXX did not respond. I got a prepaid card from them, I sent my XXXX dollars in XXXX and the did not send the card to the last of XXXX after I called them several times so when I got the card I just spent my money. I called after I say it reporting on my credit report in XXXX and asked what I need to do to settle this. I was told to send them XXXX. Total with all the other fees I sent those people over XXXX and I only spent the XXXX initially that I set up for credit limits. I have asked them to send me documentation proving that I spent XXXX dollars over the limit with no response. I have submitted this complaint to you all once and have not gotten a response from XXXX XXXX.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

On both XX/XX/XXXX and XX/XX/2022, XXXX repetitively called me and left voicemails regarding an inaccurate debt. It is persistent, it is back to back. It is a constant.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Good day Wells Fargo service specialist. I typically turn around my compliant within minutes due to the obvious lack of a rear concerned effort to try and resolve my complaint, but due to an actual well-crafted response I had to make time to go over the response with some advisory professionals. That along with the CFPB system being down for a few days delayed my complaint submission until now. My complaint regarding my credit report is pretty straight forward. The property known as XXXX XXXX XXXX XXXX XXXX XXXXXXXX was foreclosed on, which to this day lease the only blemish on my credit report. I contest this negative reporting due to the many cases of mishandled loan modifications, intentional or not, at the hand s of Wells Fargo. It is my contention that special consideration should have been provided to me due to the highly toxic and predatory nature of the then PICK-A -PAYMENT loan that was peddled to millions of unknowing victims. Yes in XXXX my XXXX requested was denied due to having a housing expense of XXXX  % of my total income and a debt to income ratio of XXXX %. However these non-qualifiable numbers came about from being forced into a state of fiscal survival and life changing sacrifices to me and my family. For starters when originally approved for a loan modification back in XXXX of XXXX by Wells Fargo it was at a time when my housing expense and debt to income was at the brink of fiscal collapse and Wells Fargo knew this. Did they offer me a step down modification plan that could help me through this difficult time... No Wells offered me the same XXXX interest terms and conditions that got me in this mess to begin with and to add insult to injury all overdue back payments, interest and fee would be place on the back of the proposed modified loan. XXXX me once shame on you XXXX me twice shame on me. Needless to say i was left with little choice other than to decline the so called modification, which only was altered enough to prevent immediate foreclosure proceedings, and take seek legal guidance. Above all, it is this XX/XX/XXXX modification that I contest as being the most damaging and yes unjustly corrupted. If need be I'm prepared to take these so called modifications in front of a judge and jury and see if in fact that I was unjustly targeted and treated by Wells Fargo. I know this to be true because I've had years to do very diligent research and I know factually that I was victimized by Wells Fargo. 
XXXX Account # XXXX XXXX XXXX Trick-A Payment loan
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-22
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. (NV)

" " '' I have disputed this Charge off on this XXXX XXXX XXXX  for months.XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


NXXXX XXXX XXXX XXXX : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCE XXXX {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

XX/XX/2022 XXXX collection sent bill XXXX of 2022 for {$280.00} from XXXX energy. When I contacted them, I was told I have XXXX other accounts opened for green mountain for {$450.00} from direct energy for {$370.00}, and from reliant energy for {$120.00}
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AZ)

There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX