davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Exeter Finance, LLC. (GA)

You ( Exeter ) stated that you do not communicate with or negotiate with borrowers. I am not a borrower ; I am, in fact, the true creditor. You also stated that you couldn't provide any evidence on the phone call concerning a repossession. I have the time and date of the call and also a recording of the specific incident that will, if possible, be used during litigation. My wife received the call while on her way to work, being that her number is on file. She was coerced into making a payment so the vehicle wouldn't be repossessed while she was working. The contract that I have with you is fraudulent, and I have sent legal documents with federal laws to you ( XXXX XXXX XXXX XXXX, XXXX XXXX ) that were violated. What I was signing was not made clear to me. I am demanding that you ( Exeter Finance, LLC ) remove this from my credit report ( XXXX, XXXX, and XXXX ) along with compensating me for each violation made in my contract. If this is not resolved within the next 15 days, I will file a 3949-A form with the IRS due to fraudulent activity, as well as sue for my mental distress, financial hardship, and violations of my consumer rights.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I recently paid the minimum due payment on a XXXX XXXX credit card ( not just a store card but instead it can be used for any purpose ) and I made this payment before the deadline. I have had this credit card for many years and I have paid at least the minimum amount due by the deadline almost XXXX  % of the time over the years. On the rare occasion when a payment was late I contacted the company and soon made my overdue payment and any late fee that was charged. For this most recent payment my balance was just {$2.00} over my limit. Once I made my payment on time my balance was once again below the limit allowed, but in spite of this I just received an email from the company that they are charging me a late fee of over {$300.00} and my minimum payment due has also gone up by over {$300.00}! I called customer service and just got the run-around from the woman I was talking to in which she explained why I was being charged this outrageous amount. After I send you this form I am typing a letter and mailing it to the post office box for disputes about XXXX XXXX XXXX.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

Attention Executive Office : I 've yet to receive a resolution to the issue previously submitted for an ACH withdrawal in the amount of {$140.00} which was transferred from my XXXX XXXX XXXX account to my Son 's Chase checking account. I have included proof of the transaction as well as my attempt to resolve this with my financial institution. The original case number is XXXX. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-01-25
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. (OH)

Im an active Credit Report checker. I check all 3 credit bureau at least 4 out of 7 days. I missed there being inquires I didnt recognize on TransUnion & Also XXXX XXXX They both report the same names for the accounts on both bureaus! 

TransUnion - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX - XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/2022 XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NC)

Rmp continues to report negative information on my credit report. I have received no information from this company to verify that this debt is valid. I am specifically seeking my signed signature that I agree to pay this company anything. This debt does not belong to me and I am demanding it be removed from my XXXX account as soon as possible. 
Again I received no information from this debt collector that this debt is valid. You can't contact them because there job is collect money not to provide information. So when they respond, I seeking either documentation that I am responsible for this debt or a letter stating the debt will be removed in XXXX days!
Consumer complaint received 2017-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), the XXXX credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, XXXX, and Experian what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, Experian, nor XXXX have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three XXXX credit bureaus that The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? Experian, XXXX, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA All XXXX credit bureaus are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2016-10-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (UT)

I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with Macy 's Department Store/DSNB account # XXXX which also turned into a collection account with a company called XXXX XXXX XXXX. I keep getting phone calls from XXXX XXXX XXXX trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, XXXX XXXX and Macy's/DSNB copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. XXXX XXXX XXXX refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.
Consumer complaint received 2023-01-25
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. (FL)

On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Consumer complaint received 2023-01-25
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. (CA)

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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank closed 5 of my accounts with them this past fall. All 5 accounts had XXXX balances. 4 of the 5 closed accounts had been active within 90 days prior to closing. None had ever had a single late payment and all had relatively healthy credit limits, a few of which had very been recently raised by Synchrony ( mere days before closure ), demonstrating my credit worthiness, according to their own criteria. My one remaining account with Synchrony, a XXXX issued credit card, has since had a credit limit increase. Again, this demonstrates the creditor 's endorsement of my credit worthiness. 

My credit score at the time of closure by Synchrony was hovering in the XXXX range and showed 100 % on time payments across ALL accounts of record. My job has not changed in 8.5 years, though my income has increased steadily over that time. My debt to income ratio at the time of closure was at its all time best.

In addition to the closure, I had rewards points accumulated on my Synchrony Bank issued XXXX. All points were wiped out with their unilateral closure of that account and I was told they were forfeited upon closure. This is unacceptable and Synchrony Bank has been sued in California for this very practice ( and lost ). If they are not going to honor their rewards points agreements, what good is having a rewards card? 

I have recently discovered online hundreds of other similar complaints by consumers for similar closures or unwarranted lowering of debtors ' credit limits by Synchrony bank, demonstrating a pattern of bad faith practices on the part of this creditor. This practice makes it difficult for consumers to maintain high/optimal credit scores when their accounts are arbitrarily closed by the creditor with no explanation or warning. They must be reigned in from continuing this practice. What is the government prepared to do about this on behalf of consumers everywhere?
Consumer complaint received 2023-01-25
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: LEXISNEXIS (MN)

LEXIS-NEXIS I have did more research and conducted my own investigation and right at the end of XXXX of your our complaints via CFPB your company present this!! 

of credit reports from the XXXX nationwide consumer reporting agencies- XXXX. XXXX, and XXXX - and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( " FCRA '', 15 U.S.C. {$1600.00} et seq. ) for disputes of the information therein. LexisNexis must submit disputes to the originating consumer reporting agency and forward the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies complete their reinvestigation Under the FCRA, XXXX XXXX 's has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Add a statement to his file disputing the accuracy or completeness of information. The statement will remain on file and will be furnished to recipients of the file as long as the disputed information is still used ; and Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him to whomever has received a LexisNexis consumer report for employment purposes within the past XXXX years or received a LexisNexis consumer report for any other purpose in the past XXXX months ( XXXX months for residents of Colorado, Maryland, and New York ). 
If XXXX XXXX 's has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time Thank you for allowing LexisNexis the opportunity to assist XXXX XXXX. 

But however LEXIS-NEXIS you indicated on multiple CFPB complaint/disputes that you had remove the public record so how are you reporting back to the major XXXX XXXX XXXX XXXX XXXX that you are continuing to verify this information! And then XXXX of the pending disputes right now Ill ask you in urge you to go into XXXX XXXX and XXXX XXXX and have these accounts removed immediately because I know you can do it based on your last statement thats listed above about you must and have to report back to the major XXXX because if you no longer have this information youre in violation of the FCRA because either youre lying to me about having removed public record XXXX removed from my files or you are doing some illegal reporting again I urge you to have this removed from XXXX XXXX XXXX XXXX immediately and I know you can do it because you are required to report back to them you cant verify anything that you claim you deleted! Priceless!!
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have several accounts on all three of my credit reports from XXXX, XXXX XXXX, and XXXX that all show my accounts are managed by a XXXX XXXX XXXX and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.
Consumer complaint received 2023-01-25
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: JPMORGAN CHASE & CO. (VA)

My card was charged at a nightclub in XXXX of 2021. I have been telling my credit card company that I haven't authorized the transaction and asked them for signed credit card receipt. I have asked them numerous times and have sent them written complaint last year. I gave the card to bartender and next day I see charge of {$1400.00}. Bartender might have charged someone else 's tab on my card. Like I said I asked them for signed receipt many times and I haven't been provided that. They reported it on my credit and due to that my score dropped over 100 points. I am hoping someone can resolve this issue. I feel a little helpless in my position and will have to pay the money I didn't spend. I have 4 years of on time payment with this card without missing any due dates. I am a responsible payer but I don't want to pay for something I didn't spend.
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (AL)

These claims were being submitted to me as the individual, instead of my insurance carrier, who is the XXXX XXXX. I am a full XXXX veteran, who receives full medical benefits from the military Veteran Administration and have since XXXX. My inpatient stay was for XXXX and this claim along with 1 more were never submitted to the correct entity. I am not responsible for this amount or claim. 
The first claim is for XXXX for XXXX XXXX XXXX XXXX XXXX and the other is for XXXX for XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (CA)

Multiple unauthorized hard inquiries on my credit report within a couple months time. 

Transunion : - XXXX XXXX XXXX XXXXXX/XX/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 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.
Consumer complaint received 2023-01-25
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. (VA)

Please take the other address off my credit report they dont belong to me the only address that should be on my file is XXXX XXXX XXXX XXXX XXXX XXXX