davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

On Friday, XXXX I tried to use my Amazon Store Card with Synchrony Bank, and it was declined. Shocked as I have excellent credit I called Saturday, XXXX and was told the credit card was closed. From there every single one of my credit cards with Synchrony Bank were closed. When I spoke to the customer service representative I was told I was " high risk ''. I have perfect credit, I've never been late on a payment and do not have high utilization. Each representative I spoke to for each card would not help me and told me to reapply. This is going to drastically affect my credit score taking away close to {$30000.00} of open credit. I have worked many years to get my credit where it is, and can not understand why this company would do this. Just last month they gave me a credit limit increase on my Lowe 's card by {$3000.00} and another limit increase on my Amazon card by {$2000.00} and closed them a month later. If I was high risk why increase my credit limit? What a terrible time to do this at XXXX not that anytime is good. I have been reading horrible reviews about Synchrony Bank.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

Notice for Proof of Claim Account : I.C. SYSTEM, INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I have several checking accounts with Citibank. In XXXX 2020, Citibank changed the title and Social Security number on several of those accounts without my notification. I did not sign any form, or authorized anyone to make these changes. Furthermore, the title of the accounts that were under my name were changed to that of my late wife 's trust name. The Social Security was changed from my individual to my late wife 's individual Social Security prior to her death ( that Social Security is no longer valid and her trust as an XXXX number ). I realized that these changes had been made in late XXXX when I called to inquire about a returned check. In that conversation, the bank representative asked me to verify my identity. I was unable to do this since at that moment I was unaware of these changes. After realizing that these changes made unilaterally by Citibank were made I contacted multiple reps of Citibank and was eventually directed to go in person to a branch. When I met with a representative at a Citibank branch in late XXXX. The branch representative ( XXXX XXXX XXXX XXXX  XXXX  XXXX  in XXXX - XXXX XXXX ) confirmed that these changes have been made and acknowledged these errors. Since late XX/XX/2020, Citibank has been unable to correct these mistakes and Citibank is still attempting to trace how these unauthorized changes took place. I believe that it is unacceptable that : a ) these significant changes happened without my authorization or involvement, or without Citibank 's knowledge ( changing the title and the Social Security for several checking account is a major breach of security ) ; b ) The tracing of these changes has been unsuccessful and remains unknown ; c ) about 45 days have passed with no resolution. Obviously, I have lost total trust in Citibank and I have proceeded to open a checking accounts with XXXX. This has involved significant effort and time, and inconvenience. I wonder and worry if this has not just happened to me but that there might be other clients affected and both the clients and Citibank being clueless about this.
Consumer complaint received 2020-12-05
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 (CA)

Synchrony Bank sent a letter stating they are closing my account. Their decision is based on " activity on accounts with Synchrony Bank indicated of high risk of failure to pay. When I spoke to 2 associate and a supervisor they kept going around how they took my financial debt history and creditors and based on my history they feel that I won't be able to pay the Bank. I even told them, I understand that when I signed up the bank has the right to close my account if I am the consumer who is not paying the debt on time or abusing it. But I do pay my bills on time and more than what I owe. So I asked them to help me understand why they are labeling me as a high risk of failure to pay. I want the report a copy of the report they used on me. 

I told them that their study on me are wrong based on these factors and that they insulted me : 1. I am paying my bills on time and more than what the minimum fee requires. 
2. The Bank gave me 60 months to pay the debt with 0 % APR.

3. My account history has been good and no negative note or any late fee has been charged on me. 

When I asked for the report that they told me, they can not provide the report that I need to connect with CFPB. I asked for the information and they said that the letter gave detailed information. I said that is another lie as it only has the mailing address of CFPB. I knew the associate would say " XXXX '' the information. So I said : if this is a very detailed information then where is the website or phone numbers on this letter. This letter is not detailed at all. So I have to do my own research just to connect with CFPB. I asked them to send me a letter as they will report this information to the credit with a negative effect on me when it is not. Their " study '' data on me are false. My credit history are good and it's just this Synchrony Bank that is giving me the negative report when it is untrue
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AR)

It was in XXXX when I had a duplicate transaction hit my account. I contacted the merchant and they confirmed they only ran my card once, even though the transaction amount was removed from my balance twice. When contacting Citi Bank the representative said that they could clearly seen where I was charged twice and they would give me a provisional credit that would cancel out the debit card duplicated transaction. Well today XX/XX/2020 I contacted the bank because my available balance was showing negative - {$3.00} when I should have easily had over {$100.00} dollars still in my account. After talking to the representative they said that my dispute was canceled and the provisional credit removed. I explained to the person that the provisional credit had canceled out the duplicate transaction and if they were going to take the amount back they needed to pay the second transaction to the business that they failed to pay the first time. The representative explained that I was wrong and they were correct. 

I told them that I felt that they were committing a UDAP violation. It was not my fault that their system had created a duplicate transaction and that I did not think it was fair to take {$100.00} dollars out of my account without notice for something I honestly did not spend.
Consumer complaint received 2021-01-21
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. (UT)

I recently received a response from XXXX XXXX XXXX XXXX  of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with XXXX XXXX where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with XXXX XXXX XXXX to please remove all the late notations from my credit file.
Consumer complaint received 2020-12-07
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. (IN)

This isnt my first complaint/review. After several disputes and attempts to reach XXXX, I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX  partners with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act. 

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet XXXX  has already responded with XXXX XXXX inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. XXXX email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days ( prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX knows and is enabling, reinforcing, and complicit in breaking the law.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

I was at the Macy 's store in XXXX XXXX in XXXX, Maryland. I went to to make a purchase handed the cashier my Macy 's card and was told the card was denied. I explained to the Cashier its been a little while since I have not used the card. They called the credit card department and were told the account was closed. The cashier handed the phone to me and I was told by the representative that the card was closed because of inactivity. I have had the Macy 's account for almost 20 years and was never told the account would be closed if inactive. I was told that this is my agreement and that I would now have to apply for a new credit card. I pulled a copy of my credit report and I saw that the card was closed in XX/XX/2020. This is especially hard that the account was closed during this pandemic. I was never notified.
Consumer complaint received 2020-12-06
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. (CA)

I enrolled this offer by XX/XX/2020 ; Citibank  Promotion sent to me over email : " Earn XXXX Bonus Points after spending {$1000.00} in purchases within 3 months of account opening, redeemable for a {$150.00} gift card at XXXX '' ( original citi promotion email attached ) I have confirmed with Citibank through online banking chat regarding my enrollment of this offer. 

I have met all the requirements to obtain the promotion bonus ; I have made a purchase in amount of {$1500.00} on XXXX2020 using my Citi Reward+ Card. 

I have not received the promised XXXX Bonus Points until now.
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX ....
Consumer complaint received 2022-07-20
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: AMERICAN EXPRESS COMPANY (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX, AMEX XXXX, AMEX XXXX
Consumer complaint received 2020-08-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (MD)

I WAS REVIEWING MY CONSUMER FICO REPORT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON MY REPORT.I NEVER APPLIED WITH THESE COMPANIES.I NEVERE GAVE ANYONE PERMISSION TO RUN MY CREDIT.PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES FROM MY 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
Consumer complaint received 2024-12-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (CA)

This debt has previously been attempted to be collected. I have filed two complaints with CFPB regarding their credit reporting tactics. This has popped up on my credit as a collection when it has been communicated to me that it would not be. This needs to be removed due to the misleading and dishonest collection tactics. Attached are copies of the previous complaints for the same exact reason, which was remedied in my favor. Please remove the collections from all credit bureaus and cease further reporting in the future!

This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. DRS is in violation of Cal. Civ. Code 1788.14 andSection 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15U.S.C. Sec. 1681c ).
Consumer complaint received 2020-08-10
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.