davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

This company has the worst business ethics. I have reached out to them via email and have yet to receive a response. My credit has been destroyed due to their practice. Here is the story how we got to this point. I reached out to them to set up a payment plan. During this phone call I asked the representative several times will the payment plan stop the late history from reporting on my credit report which the representative insured me it would not report late anymore under the plan. I made my first plan payment then weeks later check my credit report and there were late payments reported. I have reached out to this company to resolve this and have those 60 day late payments removed and have had XXXX results. I am asking if they don't remove the late payments to have them submit a copy of the phone call with the representative. I have since caught up on the payments to save my credit from further damage from this company. I have XXXX late payments from any other creditors I deal with. This company kept reducing my overall credit limit, raising my utilization while my payments were all on time. They eventually closed the account with no late payments on my account. This company is one of the worst companies to exist. There reviews prove my point. I just want the 60 day late payments off my credit.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My mother-in-law added me as an authorized user to her Kohls credit card account at least 25 years ago. She passed away on XX/XX/2022. Kohls has removed her name from the account and has placed the account in my name. I NEVER signed up for credit with Kohls and have not used this account and am not responsible for the balance that remained after her passing. They have placed a negative comment on my credit report. I have discussed this with them 4 times now by phone and they continue to report it incorrectly and are attempting to collect from me.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi sir/madam, Good day. 

I am an XXXX XXXXXXXX XXXX and several days ago, I encounted a bank fraud. Pleas help me get the money return. 

On XX/XX/2022, I have two transactions not authorized by me ( Bank of america 's checking account ), they are bill payments, one is to XXXX XXXX XXXX of {$9900.00} and the other is to XXXX XXXX XXXX XXXX of {$6900.00}. 
I don't have any business with the latter two companies, so I dont know why the money was sent away without my authorization to the others by BOA XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

To Whom It May Concern : CITIZENS BANK ACCOUNT NUMBER ENDING IN XXXX Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 
However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 

You will not list this debt as a settled account. 

Your company will accept this payment to satisfy the debt in full. 

Your company will not attempt to sell or transfer this debt to another creditor. 

You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX XXXXXXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.
Consumer complaint received 2022-08-04
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. (SC)

I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, Experian, XXXX and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

Experian Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiries : -XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please review and correct as soon as possible. 

Thank you
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the fight 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-08-02
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: CITIBANK, N.A. (NJ)

On XX/XX/2022 I made a reservation XXXX to rent a SUV and my Citi card was charged {$1800.00} I called XXXX wanting to add roadside assistance, after speaking to 7 representatives, told I cant add and pay for roadside assistance at that time, the rep was supposed to cancel 1st reservation and create a new one at lower cost for the aggravation. 
I went to a XXXX rental location in XXXXXXXX XXXX  in person, the rep made a new reservation, but made it for the wrong dates. He stated at that time, he emailed his XXXX to correct the dates and he would call or email me that Monday. My Citi card was charged {$1400.00}, I was never contacted at all. I cancelled that reservation. 

I have previously provided Citi copies of cancelations, copies of Citi statements showing dates and amounts charged, dates and amounts of credits. I am still awaiting credit for {$1400.00}. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX XXXX XXXX I tried to buy stocks through my Chase XXXX XXXX account. I could not. A customer representative said I would get a letter from Chase as to the reason why I could no longer buy stocks through the platform. 

A few days later I got a letter by Chase informing my personal checking account ending in XXXX  would be closed due to unexpected activity. I had less than a month to move my money elsewhere with no explanation. I was given until XXXX XXXX XXXX  to move my money out before my account would be closed. In addition, all of my Chase credit cards and debit cards were going to be closed. Furthermore, my safety box at the XXXX XXXX branch was going to be closed out as well. 

No one could not give me an answer as to why my account was closed. I was told that I was permanently barred from opening a Chase account. I talked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. XXXX would not disclose his last name but he stated he was a supervisor with client services and part of escalation department. 

In a letter dated XX/XX/2022, my business ending in XXXX was going to be closed on XX/XX/2022 due to my association with a Chase credit card, deposit or investment account that was previously closed. Furthermore, my debit and credit card associated with the bank account ending in XXXX was closed on XX/XX/2022.
Consumer complaint received 2022-08-02
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. (NY)

I would like a proper investigation under these hard inquiries on my credit I did not give any permissible purpose for running my credit. Proper investigation. Show me proof in writing with me or my signature to run my credit accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need proof of this as soon as possible
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

I applied for the XXXX XXXX XXXX card through Comenity Capital Bank. I was approved, issued the card and have used it for multiple dentist visits successfully - now with a {$2600.00} balance as expected. 

I have tried to create an account online and failed. I've tried to use their " XXXX XXXX '' portal without success. I have called every day for two weeks trying to make a payment over the phone. Each time, I am told " our system is down, let me connect you to someone who can help '' which leads to them hanging up on me. 

Simply put, I NEED to pay this card off and delete my account with this bank. I'm reading online how everyone is experiencing the same issues and I'm not sure how to proceed here. I'm feeling rather trapped.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As dated, XX/XX/2022, I, XXXX XXXX, Consumer, am aware of TransUnion LLC unlawful business practices act and deceptive business practices act.
Consumer complaint received 2022-08-02
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. (AZ)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$28000.00}
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC (CA)

I got a notification that I had a collection account on my credit report and it was from XXXX XXXX XXXX with Cash Central. This account was included in my bankruptcy in XX/XX/XXXX. I called Cash Central XX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with XXXX XXXX XXXX. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from Cash Central that I will attach to this claim.
Consumer complaint received 2022-08-02
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: Radius Global Solutions LLC (NY)

My HIPAA rights were violated by Radius Global Solutions LLC. As an attempt to validate and collect debt for XXXX XXXX XXXX XXXX, the company Radius Global Solutions LLC sent me copies of my medical procedures and diagnosis from XXXX. I never signed or gave permission to Radius Global Solutions LLC to obtain this information and it is a direct violation of my HIPAA & privacy rights. I request that Radius Global Solutions LLC cease and remove all reports on my credit accounts/bureau. 

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Compattia Roccia Management Group, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX, and what actions s/he has taken in relation to this account.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
Employers : XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
Employers : XXXX LA XXXX
Consumer complaint received 2022-08-04
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. (AL)

It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries on my credit file, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to ensure its accuracy. 
Please remove the following accounts from my credit file : 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-12
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. (AL)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I was never late with this company, the credit bureau ( Transunion ) are ignoring my disputes. 

Date updated shows XX/XX/2019. Which indicates there was not an investigation. 


I have sent disputes XXXX consecutive months now. Still nothing. 

Failing to Follow Debt Dispute Procedures is a violation of this FCRA. 

I have attached my last dispute with Transunion in regard to this account alongside the certified mail recipient.
Consumer complaint received 2022-08-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. I contacted credit acceptance on XX/XX/2022 for a debt validation response however credit acceptance failed to respond back to me. attached is the letter. I also contacted XXXX with multiple debt validation letter in which on XX/XX/2022 XXXX stated my account was properly investigated from the dispute of Credit Acceptance Corporation XXXX XXXX XXXX In which i submitted the debt validation verification on XX/XX/2022 but how is that possible if the open date is inaccurate, the last date reported is inaccurate, the date last active is inaccurate, the date of the last payment is inaccurate these are multiple violations and this is a ground my removal under 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 : according to fcra any furnished info can not be used without my written instructions. Also the credit acceptance and experian is taking or took more than 30 days to my debt validation investigation letter from that I submitted to Credit Acceptance Corporation and XXXX.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (DE)

XXXX says I owe {$2000.00} for service to an address that I have never lived for the dates XXXX XXXX through XXXX XXXX. I never received a bill or notification of any kind until my credit report showed a collection service requesting payment.