davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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)

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Also Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed On DEPT OF ED / XXXX Account XXXX accounts be removed because they are reporting last payments that are not accurate please remove these accounts immediately.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TN)

I submitted a claim under XXXXXXXX XXXX  XXXX, for a cell phone under the Chase XXXX XXXX XXXX cell phone protection claim at XXXX. The terms of service in the guide for the XXXX XXXX on page 11 state as follows : When Does It Apply? 
Coverage begins the first day following a payment of the cellular service provider bill and remains in effect until the last day of the calendar month following payment. If You fail to make a cellular service provider bill payment in a particular month, Your coverage will be suspended and will resume on the first day of the calendar month after the date any future cellular service provider bill payment is made with Your Account. 

I provided the payment showing the payment made before the date when the benefits start. The benefits provider for Chase ( third-party XXXX - the benefit is underwritten by XXXX XXXX XXXX XXXX XXXX XXXX XXXX is stating that the coverage does not start until the beginning of the month following the payment. Attempted to call the provider at XXXX to get this sorted and they sent me the terms of service guide as attached which states exactly the above. 

She then stated to me that it doesn't start until the beginning of the month after the payment is made. I asked her what page she is referring to on the terms and conditions she sent me and she said she did not have a page. It appears they do not have the information that the credit card ( Chase ) provides to its customers. 

I explained the wording she is using is more along the lines of a different credit card that Chase Provides such as the Chase XXXX XXXXXXXX. The wording in that terms of service is : You must charge your monthly XXXX XXXX XXXX XXXX bill to your XXXX Card. You are eligible for coverage the first day of the calendar month following the payment of your XXXX XXXX XXXX XXXX bill to your XXXX Card. 

The terms of service for this card 's benefit is also attached but I did not use this card. It is being provided for a comparison of the different wording. Additionally, attached is a picture of the Chase Benefits page for the Chase XXXX XXXX XXXX showing the same information that the terms of service state that the coverage begins the first day after payment.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/20 I was perusing the internet to find dental implant offices ( XXXX XXXX XXXX  ) XXXX are very expensive and the site boasted financing options. 

I had filled out an application to see for how much I would be pre-approved. I applied with https : //www.carecredit.com/XXXX which is a company underwritten by Sychrony Bank . 

I was not shown / told how much I would be approved for, they simply said congrats and gave me a {$3100.00} line of credit. I did not want this line of credit, I simply wanted to find out if I was PRE-approved. I do not want/ need this credit card. It's absolutely worthless to me. 

I contacted Synchrony via chat was told they cant help me, I contacted Synchrony via telephone and was told I'd need to wait 3 days for the account to be active, then they could cancel, which would be a big hit on my credit score. 

Care Credit / Synchrony is unscrupulous, they lie and are predatory lenders. I feel like I was mislead while trying to get pre-approved. 

The Amount I requested was {$30000.00}., no where near the {$3100.00} they " Gave " me. There's absolutely no reason they should have just decided on their own to give me a card for the approved amount, I feel I should have been given the option to decline the amount first.. Especially if its only 10 % of the original request. That is nonsensical. It does me no good.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My credit cards ending in XXXX and XXXX were closed. I did not authorize these account closures and did not have any unpaid balances or other reasons to close these accounts. This has damaged my credit as they are long standing accounts and they were paid on time.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (CA)

Honda Financial has repossessed my vehicle with no advance warning because there were at least XXXX late payments past due, they acting as total predators I have offered to pay the back payments in order to cure the default, it was the first time late and being repossessed, Honda Financial should have given me an opportunity to catch up with the late payment but instead they are demanding the full buyout amount for {$35000.00} and not considering any reinstatement in good faith, apparently they can make more money repossessing
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Consumer complaint received 2020-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

Hi, my BMO Harris bank checking account has been closed on XX/XX/XXXX. I had a negitive balance of {$170.00} that i new of and had the money short after they closed the account. During this coronavirus pandemic crisis they still closed my account without any warning or calls besides one email that said the account will be closed because of insufficient funds. And not allowing me time to pay them during this crises. I called the main corporate office and they just told me all i have to do is go to the branch give them what i owe and they would reopen the account as soon as i make it current from the drive through. Well i tried to make the deposit and the teller at the branch told me i couldnt and it is not that easy, telling me it will take up to 7 weeks because it is alot more complicated than that. I feel during this pandemic they should have made sure the bank account wasnt ever closed because i have to have it open now.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (MI)

Experian has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Experian via phone and Mail and through cfpb in hopes of getting these Unverifiable accounts removed but Experian employees failed to resonably investigate the issue and failed to understand there FCRA Requirements for over a year time frame. You failed to do so giving me a reason to believe my information is being tampered with. My credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXXXXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and EXPERIAN still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Experian to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Hello Digit, LLC (MA)

There was no explicit mention of a regular fee for using the app. All I did was connect my Checking account and the next day an amount of XXXX USD was deducted. There was no intimation or confirmation of any kind. I have closed my account now but would like a refund for the uninformed transaction carried out. While deactivating my account, one of the reasons they ask is if it is because of unknown hidden charges ; which proves they are well aware of their practices. Lastly, it would be germane to have Digit mention it clear and bold about their charges.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NH)

I've been struggling with Experian since XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX and both companies reached out to all XXXX credit reporting agencies with deletion letters and police report of fraud has NOT been deleted. EXPERIAN has been refusing to mail me a copy of my report. I've sent letters requesting along with Disputes and a copy of my Driver 's license and rental lease by certified mail got the postal slip CREDIT- XXXX false it is XXXX or less as of today. XXXX XXXX XXXX XXXX- FALSE BALANCE AGAIN XXXX has not been updated since XX/XX/XXXX I've asked to please update my report aswell in my letters.. If you see FAIR PAYMENT HISTORY ( fair ) shows XXXX late payment Shows XXXX collections fraud statement.. REPORT # DATED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. But score did not change and I have a feeling experian is punishing me by fraudulently not updating refusing to give me a copy of my report so I can protect myself..Experian showing I lost points for seeking credit cards I'd like to see that proof. I been fighting for my rights to be able to protect myself and my score but how cN I if I'm been refused that right. And why hasn't Experian updated my report in XXXX years? XXXX XXXX needs updated been the same since XXXX XXXX XXXX threw XX/XX/XXXX we are going into XXXX. I have reason to believe that Experian is adding up my XXXX XXXX  payment with the " '' Deleted '' '' acct XXXX 's XXXX XXXX. Experian is sabotaging my report that's y they refusing my report. Experian is showing closed on XXXX  that acct wasn't closed I paid off that car XXXX XXXX  monthly for 2 years I get no credit for that. I will ask a special investigation can be looked into Experian
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please delete and block the accounts listed for XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following information in my TransUnion File XXXX dated XX/XX/XXXX Item 1 : XXXX XXXX XXXX XXXX - Account XXXX Never opened in XXXX Item 2 : XXXX XXXX  XXXX XXXX - Account XXXX Never opened in XXXX Item 3 : XXXX XXXX XXXX Did not give approval to be Authorized User on this account The item I have identified is inaccurate because I have never had a card for this company. 
Documentation can be account statements from the original creditor, payment history from the original creditor, a copy of the original signed loan agreement or a credit card application with terms and interest rates. 

I am requesting that this item be investigated and verified showing details necessary in order adequately reflect my true credit history on the attached report. 

I am asking you to reexamine this item and remove it from my file at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-18
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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (TX)

I called Apple and told them that I submitted for a Apple Card. I never received a card and I never charged anything on it. They stick by their reporting and it has cost me thousands of dollars in purchasing things like vehicles and appliances ETC. Well I received a report XXXX XXXX that the account was written off, my question how do you write off {$0.00} dollars? If I had this account and charged nothing how do you write off nothing owed. They were showing that I owed {$2.00} but when I talked to them XXXX XX/XX/2022 they said that I owed {$0.00} dollars to them, and they couldn't find anywhere where I owed them, yet they will not remove this information from my report. These tactics are XXXX  and XXXX  in nature and it shows just how far companies are willing to go to hurt consumers. Is this behavior to show how powerful they are or just what they can get away with? They destroy your credit and cost consumers millions even billions every year.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

This complaint is about 3 disputes, which the credit card company wrote to me about, but which the company can not tell me about when I call them. There are 2 parts to the complaint : 1. I do not know what these complaints are and I can not talk to the company about them because, when I call, they have no knowledge of them. 2. The company is wrongly applying consumer law to the transaction date. BACKGROUND : I am an American Express XXXX ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. Each letter says my claim did not fall within the 60-day period so the claim is being denied. I believe these disputes may relate to 3 charges from airlines - but I have no way of telling for sure, because the card company can not find them. If the letters do refer to 3 airline charges, these were airline charges for future travel which has now been canceled by the airline, not by me. Thus the charges were for services not received and which will not be received and should be refunded. The card company is wrongly applying consumer law. The date of the transaction is the date of travel - not the date the advance charge for services appeared on my credit card.
Consumer complaint received 2022-10-31
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. (TN)

I am a victim of identity theft, here are the hard inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2022-10-31
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. (OH)

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. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-23
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: Experian Information Solutions Inc. (SC)

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and XXXX  Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. XXXX  and Experian have add the account but incorrectly and the payoff didnt increase my credit score.
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (CO)

On XX/XX/XXXX, I received a notice in the mail stating that Debt Recovery Solutions , LLC was attempting to collect on an account for XXXX XXXX XXXX that they claim was purchased by XXXX XXXX XXXX and is who they are attempting to obtain a payment on behalf of. 

I called the phone number provided and the first person I spoke to I told I needed to dispute the notice I had just received. She then proceeded to tell me that I needed to make a payment to prevent my credit from being effected. When I suggested that this was not correct, she disconnected the call. 

I called back immediately and spoke to a second person and told them again that I needed to dispute the notice I had just received and requested evidence that I owed anyone medical debt. I am in full belief that this medical account from XXXX had been resolved. She insisted they were going to email me proof rather than mail it as asked.