davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (KS)

I am still seeking resolve for the theft committed by US Bank ReliaCard. I can not believe that no one is picking up on the errors US Bank ReliaCard. There were fraudulent ATM withdrawals made using my government payroll card that occurred while I was out of town working. I have verified my location at the time the withdrawals were made with my XXXX location tracking, proving I was no where near the credit union the withdrawals were made at. Secondly I have provided a signed affidavit from my employer at the time, and that individual is a witness that stated in writing that I was at work when the fraudulent withdrawals occurred. US Bank ReliaCard will not refund my stolen payroll money even though this proof was provided. When responding to my dispute, US Bank ReliaCard claims their decision to deny my claim was based on a pattern of use they say is evident in the three monthly statements they provided me. I have been over the monthly statements they provided countless times and the statements they provided do not, in any way, support the decision they made. There is no pattern of use evident in these monthly statements. The ATM the fraudulent withdrawals were made at was not used by me at any point in my history that they provided. The only time the credit union or the ATM the withdrawals were made at show up in my monthly statements or my history, is when the fraudulent withdrawing occurred. There is not one single other transaction occurring in this location otherwise. This fact alone is proof that US Bank could not have denied my dispute based on a pattern of use, as no pattern of use exists. There was never a use at all therefore no pattern can exist. My location tracking and a signed affidavit from my employer, combined with the fact that there was no prior use to establish a " pattern '', are three very sound reasons to question US Bank and their deceptive practices. They are allowing the theft of my money from my government payroll card and are aiding the thief by being deceitful themselves. And please do not respond to me and tell me to get a lawyer. I can not retain an attorney, the bank stole my money, so that is not an option.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number XXXX : { XXXX Account Number XXXX : XXXX. 

Dear XXXX XXXX XXXX XXXX, I am writing to request validation of the debt referenced above, which I understand you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe. I request that you provide the following information. 

1. The name of the original creditor.

2. The amount of the debt.

3. A detailed explanation of how the debt was calculated.

4. Any supporting documentation proving that I owe this debt.

5. Proof that you are legally authorized to collect this debt in my state.

Please consider this letter a formal dispute of the debt until validation is provided. While awaiting this information, I request that you cease all collection and activity on this account, including reporting this debt to credit bureaus.Please delete from bureaus. 

Thank you for your cooperation in this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX
Consumer complaint received 2023-03-14
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. (CA)

Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

I began receiving random texts from an unknown code XXXX identifying themself as, " Sunrise, a debt collector ''. No other information was provided except to click on a link. It appeared to be a possible scam. I did not respond to the random text.

Recently, I received an alert that a negative item had been placed on my credit reporting.

I do not recognize this account. This account does not belong to me. On my credit report ( s ) it lists XXXX XXXX as the original owner. There was no other information provided. I am requesting a detailed payment history of this alleged debt, the origination date, the assignment contract chain, the first date of delinquency of the alleged debt, the beginning and end dates of this alleged date as well as proof that this alleged debt is within Maryland 's statute of limitations, amount paid for the alleged debt, the full account number of the account.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I got a call several months ago from Credit Collection Services about an account with XXXX. I had received no written communication from them and requested written verification of the debt, mailed to their address on file. It never came, so I disputed the item on my credit report. It came back valid, because they claimed to the credit bureau that they had mailed it, so I figured I would pay it. So today I called them back and asked for a pay to delete. If they had simply declined, that would have been fine, but instead the representative chose to lie to me about the contents of the FCRA and tell me that collection agencies are forbidden from removing reported items. When I told her I wouldnt be paying unless she told me the truth, she said she was going to notate the account that I refused to pay. I didnt refuse. I simply refused to be lied to.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Ive applied for the American Express Gold Card but was denied based on factors that were stated in the denial letter. I know my application was transferred, securitized then sold to help generate revenue. Under the IRS this is a medium of exchange as mentioned above I have not received my consideration ( credit card ). I also will submit proof of documents ( again ) being sent to me from the company in reference to them denying me. U.S.C. 1431- Powers and duties of banks ( banks do not lend money ) and banks are 15 usc 1602-g states ...,. we the consumers are the creditors, and the banks are the borrowers!
Consumer complaint received 2017-05-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (IN)

This complaint is in response to another complaint I filed previously in that  Sallie Mae r efused to give me information about my cosigner release., this is NOT a duplicate complaint. The first complaint got me that information now I am filing this complaint in that I think  that Sallie Mae 's P olicy on debt to income ratio is calculated incorrectly. They are currently telling me that they calculate my debt to income ratio by taking my full loan amount and d ivide it by one ye ar of my income. Now the reason I am questioning this policy is that with every other loan I 've ever dealt with the debt to income ratio is calculated by taking the full loan amount and dividing it by my income for the life of the loan or by taking the monthly loan payment and dividing it by my monthly gross income. When I questioned  Sallie Mae abo ut this they stated that is not how they do it without giving any more reason than that. I think that without being able to legally prove their policy on debt to income ratio, or provide any paperwork showing I agreed to it, that they need to calculate debt to income in the same manner that the rest of financial institutions use.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with XXXX, XXXX XXXX and Transunion XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (TX)

Since the collections company first showed up on my credit report earlier this year. There have been on about 6 or 7 known occasions that the collector has used deceptive and illegal business practices in order to purposely damage my credit. A based upon the imformation in XXXX, it been estimated due to the collection company 's actions has lowered my credit score over XXXX points. 

What they do is they would remove the collection account from my credit report, and then report the account as a XXXX collections acount. Attached to this complaint will be evidence from XXXX of XXXX to XXXX of XXXX. On dates between XX/XX/XXXX XXXX The collection account was removed by the furnisher and then the account was reported as a new collections account. They repeated furnishing this fraudulent information several times on XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and just recently XXXX XX/XX/XXXX. There are more times that this was done previously to XX/XX/XXXX going back to XXXX of XXXX. Sunrise Credit Services is the company responsible for these deceptive, fraudulent and illegal practices. The account was sold as a unpaid debt from XXXX XXXX XXXX ( XXXX ). The debt was never supposed to be put collections because the account is still active and I pay every month on the account. I hold both parties responsible for the damage done to my credit. Such extensive damage has resulted in many denials for credit such as personal loans, VA mortgage loan and applications for car loans.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear LVNV, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by LVNV has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes.

I firmly assert that I have not given consent for LVNV to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed LVNV to accountability under both federal and Texas laws.

I am demanding the immediate cessation of any further reporting activity by LVNV to my credit report. LVNV must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect LVNV to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

I believe this debt is not mine. It is reporting incorrectly as opened accounts. LVNV Funding LLC {$640.00}, LVNV Funding LLC {$690.00}, LVNVFunding LLC {$2000.00}.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Synchrony lower my credit limit from {$2900.00} to {$1800.00} which is {$54.00} above my current balance. I have not been late with payments to Synchrony on this account or other accounts that I have with Synchrony. 

I have two ( 2 ) issues with this, one the random lowering of the credit limit, and two the effect that lowering the credit limit has on my credit used to credit limit debt ratio.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im confident Ive always paid on time, so I dont understand why Im being reported as late for some months. According to USC 1666b, any billing mistake should be corrected and shown as paid as agreed.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (TX)

BROKEN PROMISE : AMEX Hilton Honors lied about the following : Apply now for the Hilton Honors AMEX during booking a online reservation ( for which I did ), and upon instant approval ( yes I was instantly approved online and provided with a temporary limit of {$1000.00} AND card # ) to receive a {$100.00} statement credit towards your reservation <<BROKEN PROMISE!!! ( for which I will NOT receive due to the following IN EXTENSIVE DETAIL : { 1st } due to the technical limitations and system error of the XXXX website url listed below ( same error on XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, multiple browsers, etc ) after multiple attempts to book reservation online after instant approval of AMEX Hilton Honors temp card # with the same recurring error message with an advisory message contact customer service for further support to book reservation then { 2nd } followed by the incompetence of the Booking Agent [ called Hilton @ ( XXXX ) XXXX ] who fumbled the transaction rendered INCOMPLETE when I provided the agent my temporary AMEX Hilton Honors card # for payment method to satisfy the balance for my Hilton reservation ( SURPRISE, 2nd attempt to use my temporary AMEX Hiltons Honors Card # ) THE issue FAILED to STOP here leading to : { 3rd } my INCOMPLETE transaction, BALANCE DUE and UNABLE to use temporary AMEX Hilton Honors due to ( lack there of ) without the physical card which there-forth MUST be present because the requirements of the on-site, physical, point of sale system / lack of access to enter temporary card # info into POS system on-file without lack of trying or attempt to use referenced AMEX Hiltons Honors card on file tied to my Hilton Honors Account Number upon arrival XXXX XXXX XXXX Hilton  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX ; Resulted in using alternate payment method ( VISA card ) To elaborate further, I was able to successfully CREATE credentials/ login for online / app access for my AMEX Hiltons Honor via valid registration email campaign, and after successfully credentialed for login, I was still UNABLE to Add Card to Wallet / XXXX XXXX even after SUCCESSFUL LOGIN & PROVIDED temporary CID / card security code because temporary CID # provided [ took screenshots on XXXX of temporary card # information ] is not valid AMEX FAILED AGAIN here^ BIG TIME ; compared to XXXX XXXX!!!!!!! Ive never had this problem with XXXX XXXX once instantly approved with Add Card to Wallet with temporary cards. Otherwise, again, unable to stop the issue. 

{ XXXX } Unable to raise request to overnight physical AMEX Hilton Honors card in time to correct transaction on-site due to being a new account according to AMEX customer service contacted XXXX XXXX ( XXXX ) XXXX, unable to escalate/ resolve request
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I have 3 Citi credit cards, As of today, all of them have been made unusable by the predatory practices of Citi bank. Attached, please find their letter I received today, EXACTLY THE DAY AFTER they received my payment. The card had a very low limit of {$4500.00}. XXXX, but Citi now reduced even this, again referring to the XXXX reporting. 
At this moment, none of my three Citi credit cards are usable - the limits have been reduced to what I allegedly owe plus {$120.00} or so on each, Many complaints have been filed with CFPB about the irresponsible, predatory, and abusive Citi practices, CFPB does NOTHING : ( Citi continue their abuse along with their thanks for my prompt payments, WELL, CITI, THERE WILL BE NO MORE PAYMENTS UNTIL AND UNLESS YOU ABIDE BY THE ORIGINAL TERMS OF OUR AGREEMENTS, Meantime, XXXX should pay you my bills until my attorneys will take you to court and fine you to the XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

I have no acknowledgment of this account and I have made this known to the debit organization. I sent out a Debt Validation Letter 90 days ago. I have not received any acknowledgment from the debit organization. I sent the letter XXXX XXXX and did not receive any letter back. I reached out to the 3 credit bureaus on XXXX XXXX, I also sent out a Debit Validation letter on XX/XX/XXXX. I have not received any response yet I am still waiting.
Consumer complaint received 2024-10-31
Product: Credit card — Store credit 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. (TX)

I purchased a built in microwave under order # XXXX on XXXX I used {$150.00} in gift cards and put the remaining balance of {$290.00} on my Home Depot card. The installers came out on XXXX but stated they could not install where my current microwave was because I need a built in and purchased an over the range. They left with the microwave and said they were cancelling my order. They never gave me any paperwork. They just left. I have been in contact with XXXX XXXX over the course of XXXX XXXX weeks trying to get a refund on my XXXX XXXX card as well as my gift cards being restored of {$150.00} so I can purchase the right one, but they are giving me the run around. Like they have no clue what is going on. I think they just stoled my {$150.00} gift card and are still trying to charge me for the microwave. I have a payment due on XXXX but I have no microwave. I paid with gift card ending XXXX and gift card ending XXXX with the balance on my XXXX XXXX card ending XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (TX)

The account was paid in full for the balance of {$3300.00}. I received the XXXX balance letter on XX/XX/XXXX it was paid in XXXX. Currently reflects paid/closed {$3300.00} written off.