davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX 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 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 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via XXXX XXXX. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXXand CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my FICO thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (GA)

I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. this information was an discharge
Consumer complaint received 2022-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (DE)

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

Dismissed cases XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX All claimed charges against me have been dismissed through court of law. Dispositions were in pending status when all reports were ran and has detrimentally impacted my life. 
The Officer is not the final adjudicator in Legal matters and the report that Checkr has distributed to these companies has impacted my life. I asked all 3 agents in whom I spoke working for Checkr to please pull an accurate report ( Now - XXXX ) and report it to the companies involved XXXX XXXX No action has been done on Checkr 's part to correct my request.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc. (GA)

XXXX XXXX XXXX has failed to assist my son with his account from the first payment due back in XX/XX/2022. XXXX XXXX XXXX gave verbal authorization to allow XXXX XXXX to be on the account due to being the legal gaurdian due to XXXX 's traumatic situation. The company continued to e-mail him and call his phone when he did not know who it was and plus he works at night at XXXX and tries to sleep during the day as a result of how hard the job works him. I have e-mails and phone logs where the company responded to me barely a handful of times. I even attempted to make payments over the telephone from the beginning of the first payment due until XXXX Bank stole two rental car holds for {$500.00} each and never gave the money back so I had to pull all of my family accounts out of the XXXX bank which was four accounts. I contacted XXXX XXXX personally, explained the banking situation through telephone and tried to make the first payment with debit card but they would not except it. On a recorded call, I personnally stated that I did not want my son going into the credit bureau which the represented who was a male assured me he would not but the company placed XXXX into the credit bureau behind his back. At no time would they accept the debit card payment. In addition, the website blocked us from making the bank changes online. It kept stating the first payment had to be completed under XXXX before it could be changed which XXXX was closed. The company never offered any payments to be sent in by mail nor a representative to accept the money by telephone which was just now told to me a week and a half ago over the telephone. I informed the representative, no one ever offered, all the information ever disclosed was that the first payment had to be paid through the portal which the company knew we were having issues with. and I consistently reported, reached out for help and no resolution. Happy Money was going behind my e-mails and calls contacting my son and would not reach out to me. There was a 5 questionnaire completed which XXXX and I did and sent it back from my e-mail and per their request, screenshots for closed XXXX Banks were sent. Unfortuantely, it was past 45 days until the company supposedly unlocked the account where I did go in an input the new banking information. Yesterday and last night we attempted to make another payment and the company blocked us again. This time pictures were taken to prove it. This is bad business and the company is not to be trusted. The error is on behalf of the company and they need to work with my son and I and pull him out of all XXXX credit bureaus because they are using deframation of his character and destroying his good credit. His credit was at XXXX and now it is in the XXXX 's as a result of XXXX XXXX 's negligence and unfaithful practices as a loan company.
Consumer complaint received 2022-09-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I have been trying to refinance this mortgage for 4 years and even though the company responded to me in XX/XX/2022, they did not answer the question. I asked for a breakdown of all the extra charges they added to the payment. Now I finally obtained a company who will refinance but my mortgage statements claim I owe about $ XXXX and the want a payoff of $ XXXX. This is a {$67000.00} difference! I can not close until this is resolved and it has been going on for months. I lost the original lock in amount of 3.5 % interest and now it is up to 8.56 %. PHH has cost me not only an interest rate loss on refinancing in addition to $ XXXX In charges which they can not explain. Every day I do not close on this loan is costing me a fortune. I will not pay them $ XXXX and then try to recoup it later. I am a XXXXXXXX XXXX XXXX and do not have extra money to obtain an attorney. I wrote the Attorney General who requested a full breakdown a month ago but no response. I need help! Why should I take a mortgage out for more than I need to pay it off. It is higher than the original mortgage! They have added charges not due to them. This needs resolution immediately before there is another interest rate increase. I will lose the current rate of 8.56 % if it is not addressed. Why should I have to suffer for their laziness? This is a tactic to not let me refinance with another company. No freedom of choice at this point.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NY)

I opened an US Bank XXXX XXXX credit card ( last XXXX XXXX ) with a promotional offer around XX/XX/year>. The promotional offer was to receive XXXX bonus points after spending {$2000.00} within XXXX months. I went out of the way to put all my spending on this card to receive this promotional offer even though I could also earn some bonuses on the other credit cards I have. 

At the time of enrollement, there was no language in the terms that said you can only receive XXXX bonus every XXXX years. This seems to be the language US Bank added lately after I signed up for this card on XX/XX/year>, therefore I fee US bank should honor the origional terms and makes me eligible to receive the bonus having fullfilled all of their requirements.
Consumer complaint received 2021-02-01
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XXXX/XXXX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-12-30
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. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

I contacted cashapp support with an issue that I needed help resolving due to not having reached a solution when trying to resolve the way that they had directed me to after having contacted them via chat. They asked me what the issue was and I had responded by letting them know that I had sent money to the wrong person in the amount of {$200.00} and they asked me to select the transaction that I needed assistance with. I did just that and they went on to respond with a list of information they needed from me ( full legal name of the person I meant to send the funds to originally, their cash tag, and their phone number and/or email ) which I quickly replied with the information requested just for them to answer back refusing to further assist me and gave me some tips on how to prevent the issue from happened again in the future. They had said they are unable to reverse the transaction or refund it and that the only step I can take to reach a proper solution is to send a refund request to the person I had accidentally sent the funds to. Well, I did just that and of course, that person declined my refund request for {$200.00}. Says a lot about that person 's character. Anyway, I proceeded to call cash app support by phone and I was asked the same questions and given the same responses which ended with me being denied having the funds reversed or refunded since its a completed payment. I know that it is not impossible for them to get my money back and to pull it from the persons account that it was accidentally sent to. So I asked to speak to a supervisor to further assist me and they kept me on hold for abojt XXXX minutes and told me there is no manager available and that I could have them forward me by email to a manager and they would contact me at their earliest convenience. Whatever that means... I then asked them why they couldn't reverse the funds and she told me she has provided me with all of the information there is to provide and that there is nothing else there is to tell me that could answer my question and then hung up on me. I went to the chat page for customer support and asked to have a manager contact me and was basically told that they have addressed the current issue and there is nothing else they can do. {$200.00} is a lot of money to just give away to someone that it's not meant for. That was all I had and I just have to accept that someone else received it and I'm out of pocket. That is not okay at all. I don't know how else to get the help k need so that I can get my funds back that I am entitled to. So this is my next attempt. I hope this will be my final attempt and be the answer I need to finally resolve this matter. Thank you for listening to my complaint.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

It has came to my attention that First Progress Card has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

First Progress Card is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and First Progress Card. This account with First Progress Card is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. First Progress Card, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2024-11-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

This complaint is about Synchrony Bank Amazon store card. I purchased an item from Amazon and it was delivered on XX/XX/year>. Part of the payment for this item was from my rewards money ( {$11.00} ). On XX/XX/XXXX I returned this item. Until today ( XX/XX/XXXX ) I still haven't received the refund of my reward money. I called Synchrony and I understand that they have escalated the matter. I am hoping they will solve this soon. 

What I'm actually complaining about is the fact that there is no transparency in showing us the detailed transactions of the reward money. On Synchrony website or phone app we can only see the balance. There's nowhere to see individual transactions. If I didn't monitor the balance, I wouldn't have found that the {$11.00} was never credited to my reward account. Because of this incident, now I am not sure if any of my previous refunds was ever credited to my reward account, and I can't even check if they were or weren't. 

Besides, I spoke to a manager roughly at XXXX on XX/XX/year>. It was a female. She had a baby crying at the back. Her attitude was very bad.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (NV)

credit collection agencies, the previous employer/s had shared, disclosed health and personal identification info without consent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX of WI child support
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX I sent in a letter to validate accounts on my credit report, they did not resond. I sent in a failure to respond letter on XXXX it's now past 45 days and by law it must be removed!
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi1, I contacted the company and transunion and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye XXXX rep was very rude and said to contact FTC and that they was not going to remove the hard inquires
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY XXXX XXXX REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX BANK, BANK XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
Consumer complaint received 2023-03-21
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: Exeter Finance, LLC. (NC)

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 ACCT # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account name : XXXX  XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Account name : XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Account name : EXETER FINANCE LLC ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 : 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. 

w/Gratitude