davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (IL)

Recently I have noticed I am facing a considerable identity thief attack and it is getting worse day by day. The situation reached its point when I cant leave the problem by its own flow and disregard it. My main reason for appealing to you is cooperation with me to cease the muddy business of frauds, because not only is my credit history at risk, but also lenders would be involved. Losing creditors ' trust is the least thing I wish for myself. Fortunately, they couldnt obtain a credit line yet, however their impact was made and I can see their consequence on my credit report as their inquiries. 

Please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Called into fifth third bank to discuss my overdraft fees and deposits the nasty lady transferred me to a different department in the middle of me talking. They have been charging me excessive overdraft fees even when the overdraft is due to disputes and incorrect charges and fifth third has told me regardless of why an overdraft fee is accessed they would not reverse any fees past XXXX dollars. They lady transferred me to the wrong department in the middle of me talking and asking a question. Trying to use their chat support people the agents just send templates and they end the chats without even speaking to me. They are continuing to charge me excessive overdraft fees and refusing to resolve the matters Im so sick of XXXX customer service with this bank at this point I have a Lawsuit filed against a company branch manager XXXX XXXX at the XXXX XXXX XXXX Illinois location referred me to and I named him in that complaint I will now be taking full steps to add fifth third bank as a third party to that lawsuit this is ridiculous. Nasty XXXX customer service and excessive fees.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

i opened a XXXX XXXX synchrony credit card in XXXX of XXXX. I used it then to buy a bedroom set and paid it off all fine with no interest. unless im looking to buy furniture im not able to use it for anything else. i just got a notification from my credit report saying my account was closed on XX/XX/XXXX which was news to me because i received no notice of it closing. i actually got an email from them on XX/XX/XXXX under 3 weeks before this with an important notice of promotional financing offers that may be available for you when you use your XXXX XXXX credit card for future purchases and advising me of my APR. seems whack that they would email me that and then proceed to close my account. 
i called the customer service today XX/XX/XXXX trying to figure out what was going on and they said my account was closed due to inactivity. i admit that i havent used the card in a couple years but again, i can only use it at XXXX and havent needed furniture but if i was given a notice that it was going to close then i would have used the card. funny thing is, i just moved and actually was planning on going to XXXX soon. i am frustrated because due to them closing my account with no warning im loosing that account, that part of my average credit age, and my total credit limit has decreased which is going to be a major impact on my credit score that ive been working really hard on. while on the phone with customer service they said i understand your upset and that this was happening to a lot of customers ( theyre credit accounts closing with no notice ) and that theres nothing she could do. when i would ask more questions she just kept saying the exact same thing over and over like reading a script. i asked to speak with someone higher up might actually be able to help me reopen my account and she just said her manager would just tell me the same thing. before the call started it said there would be a survey after but when we were done she promptly hung up with no survey.
Consumer complaint received 2022-11-28
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

I am filing this complaint regarding an account reported by Westlake Portfolio Management on my credit report as a repossession. This is incorrect, as the vehicle in question was not repossessed, but rather traded in. 

The account has been inaccurately marked as a repossession despite the fact that there were no late payments on the account. I have requested proof from the company to validate the repossession, but they have been unable to provide any such documentation because the repossession never occurred. 

This incorrect reporting is damaging my credit score and reputation. I respectfully request that this account be updated to reflect the correct status of " Paid as Agreed, Never Late '' or be removed from my credit report entirely.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (KS)

The apartment complex was deemed unfit living conditions at the time of occupancy by the housing authority. I gave the apartment complex manager a 14-30 notice that the legally had 14 days to fix the living conditions and they did not so I also handed in a notice of vacancy and discussed with the manager that the original deposit would cover the rent and the next month. I was never served any eviction notice in that time and have the documentation stating I was also agreed upon vacating the premises due to unfit living conditions as well as documentation of the living conditions not being fixed within the 14 days once given notice.This was sold to a third party company who has never provided the original contract when asked.
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

Synergetic communication in XXXX, tx has put my credit as charge off/ collection. 
I have never made an agreement or signed anything with this debt collection. 
I strongly recommend to get this off my credit profile due to federal consumer laws. 
Thank you
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

Hyundai Motor Finance refuses to make any action on their title services. 

I attempted to do a state title transfer while still in my lease for DMV registration purposes after moving to a new state. After initiating the title transfer request I received the message " Hyundai Motor Finance has submitted your title release request. This step may take up to 5 business days to be completed. '' Three months later, the title transfer request is still at this step and process to actually request the title was never finished. 

Now I decided to do the lease buyout, paying over {$10000.00} to XXXX. I confirmed with several representatives over the phone that the title will be sent to me via mail within a short time frame after explaining the above situation. It has been a month since then and once again the title services has the status " Hyundai Motor Finance has submitted your title release request. This step may take up to 5 business days to be completed. ". Notice in my attached screenshot they haven't even finished the process to REQUEST my title after a entire month. 

Throughout my entire leasing process XXXX has failed to ever send me any required documents, and is now holding the title hostage for a vehicle I paid for.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # 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.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

I have an account with Chase/Amazon XXXX I called Amazon, I was having problems in using the XXXXXXXX. I called the phone # on the back of my Card to get help on bring me back on line ( watch movies ). The person to whom I spoked to at Amazon customer service attempted to what I thought was trying to back on line, was actually was working HACK my checking accounts. Shortly thereafter when checking with my banks I learned funds were withdrawn from both of ( two Checking account ). I called Amazon fraud dept. making them aware during the time I was on line with someone at Amazon, the rep. at the fraud dept at amazon said to me now worries the charges will drop off. 

The charges remained on both checking accounts, however I disputed the charges with the banks and I was successful in getting my monies back into my checking accounts. 

However mid XXXX 2022 I started to receive bills from my Chase account stating they had given me Provisional check during that period of time. I had no reason to request provisional credit since I had credit limit of {$7000.00}. Once I submit a dispute with FTC the harassment stopped for a few months. Now the statement started again. Now they are claiming that I owe them money they provided to me as a Line of Credit again that is not true. The company is now having me owe around {$1300.00}. 

What I'm afraid of now is that they will sell this account to a Debt collection company, and not only will I have to start explaining all over again but this will also effect my credit. You see I'm very familiar with Debt collection companies work, these companies like Chase/Amazon sales a group of clients to the collection agency for XXXX XXXX XXXX XXXX. You see I have worked Dispute analyst. These companies does not care because company 's like Chase does not care.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. 

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with XXXX, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of XXXX  for XXXX : XXXX Last four of social for XXXX : XXXX
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services ()

Below are the instances of fraudulent behavior I've experienced in the past year : 1. I made a payment that was not applied to my account. After trying to contact the company for 6 weeks to no success, I had to file a fraud claim with my bank. The bank settled the fraud case.

2. Every month, there is a discrepancy with my balance in which my payment is not being correctly applied to my account, even after I correctly factor in interest, fees, etc. The company has not been able to provide any explanation or reversal.

3. Over the past few months, I have requested multiple statements, which they have not provided. They keep telling me they will send it in 46 days, but I have yet to receive a statement of my account history and activity. I believe they have a fiduciary responsibility to be transparent with my payments and how they are being applied.
Consumer complaint received 2023-05-30
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. (FL)

Experian reported my credit as " fair '' and my Lender pulled back my LOC impacting the cashflow of my company. My Bank ( XXXX ) reports my FICO score as XXXX via XXXX, and that is correct, as I owe {$0.00} -- I pay all credit cards off monthly and am currently in the top 10 % of earners. Experian won't reveal the information that they say I am late in paying ( 2 accounts ) and they won't answer the phone. I sent a note in. But these are urgent issues that if they are going to lower someone's score over XXXX pts, they must ( a ) reveal why, and ( b ) be ready to explain on the phone. Escalating this issue to you to regulate as this destroys small businesses and I've had issues with Experian mis-representing my credit score in the past. Thanks for the help,
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and greatly affect me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts I listed below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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.

, 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 ) selection 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.

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 accurate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

After reviewing my consumer reports, I noticed late payments reporting inaccurately on an account I have not made any late payments to. It is imperative that reporting agencies report accurate information. I am requesting an investigation and evidence of any late payments to the following account : [ XXXX XXXX XXXX XXXX ]. If you are unable to provide evidence of a late payment I would like it to be updated to reflect is true status as paid on time/never late.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.