davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (IN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (MN)

On XX/XX/XXXX my boyfriend and I purchased me a XXXX XXXX XXXX from XXXX because my truck transmission went out and i needed a way back and forward to work and appts. We were told we had to pay {$19000.00} XXXX XXXX years later my loan says I owe {$17000.00} we have made XXXX payments totaling {$26000.00} only {$1900.00} went to principle and {$23000.00} went to interest for the first XXXX XXXX years only {$48.00} went to principle. They repoed my car after being 1 day late and we had to pay {$1600.00} to get it back. It is hurting my credit, and we are trying to buy a home on my credit it shows 20 missed payments and 20 on time payments and 11 no data they didn't include XXXX XXXX XXXX XXXX XXXX XXXX. The on time payments do not reflect the amount owed. Since I started checking into my loan and asking questions and also reporting them to the Attorney General they have been taking out more principle this year. They were sued and settled with a class action lawsuit about the repoing people cars for no reason last year They are not a good company to go through and their interest rates are too high.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (AL)

My name is XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, AL, tel. No. XXXX I am a customer of synchrony bank for over ten years. 
Today, even after putting my user ID and password I was unable to access my account, I tried, again and again, for over thirty minutes but could not access my account. 
Second issue, this third rate XXXX XXXX XXXX has come with another XXXX technique to Harass the customers. I and my wife have over ten accounts with this synchrony bank. If want to know the current balances in each account, we have to wait 45 minutes to get complete information, this LOUSY bank does not give information for all the ten accounts, it gives information for only TWO accounts, then we have wait again, then this bank gives balances for two more accounts ONLY. 
This is the ONLY bank on the face of this earth which is engaged in such XXXX conduct. Please help me and other customers.mthank you.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX 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 CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

This company has violated my rights as they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

Ive made several, XXXX  attempts to resolve this directly. Im suffering due to false mentions and having my rights violated. Not to mention the missed opportunities. Unfortunately now Im seeking to be compensated if these errors remain unattended and not deleted. This seems very much practical to me, giving the circumstances
Consumer complaint received 2024-01-11
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. (IL)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-06-22
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. (MI)

XXXX, Experian, & XXXX continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX  they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

STOP VIOLATING THE FDCPA USC 1692D ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS : JPMCB ACCT # TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND FILED A FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK you VERY MUCH IN THIS MATTER. THX IN ADVANCE GOOD SIRS/MA'AM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (OH)

I got XXXX XXXX XXXX ( like XXXX ) back in XX/XX/XXXX, their service sucked and I wanted to cancel maybe a year or months later. It kept messing up, so when I call to cancel they told me I couldnt cancel until a certain date, and would have to pay to settle {$820.00}. So I waited until that date and paid XXXX on XX/XX/XXXX and then made another payment on XX/XX/XXXX of {$410.00}. I remember back then they were giving me a hard time about cancelling.so I paid it, it was a settlement payment and I thought it was over. Now this Zions debt holding is saying I owe them XXXX, and they have put that on my credit report. The man I talk to was very nasty and rude, and told me if I dont have a letter or something from the company that I still owe them XXXX years later I dont have or cant find, or dont remember them sending me anything, so now this company is saying I owe them. I do have bank statements where I paid the settlements amount, and I found a paper that I wrote on back in XXXX saying I paid it.
Consumer complaint received 2024-07-24
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had requested a Modification of my Mortgages with same lender at the time there was a 1st and 2nd Mortgage with Select Portfolio Services. Modification was approve and processed and new mortgage payment was set. I thought everything was taken care of and all this years I have been making my payments and needed to do some home improvements and seek to Re-Finance during the process I learned that there was a outstanding balance on the Title search and it was the second mortgage it had been charged off and closed, I requested the documents for the account, SPS kept sending me information about my existing Mortgage even after requesting information on the 2nd Mortgage account number which reference my current mortgage, it took me 3 weeks to finally get the document, it was not the account documents it was a Payoff balance documents. I spoke a SPS Recovery Department Supervisor who told me that the second mortgage was not part of the modification, she could not explain why wasn't it part of the modification since it was SPS 1st and 2nd Mortgage they would be able to explain why not. I never received any notification of an outstanding balance or payment. They stated they sent notice as I stated to them if that was the case, I would have made contact with SPS asking why it was not part of the Modification? I was informed that this sounds like a Zombie Mortgage Practice which have been deemed illegal. My 2nd Mortgage balance at time of Modification was {$50000.00} the balance to payoff now is {$69000.00} a difference of {$18000.00} which includes interest and fees, I asked if the account is charged off and closed why was interested accumulated. The response was if I wanted the document it would be the payoff for the whole balance and that is all they sent me no other document about the account and stated that there isn't any other documents available for my review.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-10-26
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I placed an order with XXXX XXXX using Citizen Pay store credit card on XX/XX/23 - Order Number : XXXX for a Total : {$1200.00}. It was for an XXXX XXXX XXXX and keyboard. I picked the item up and chose to return it the following day. I returned it to the store in XXXX, FL and have a return receipt showing a refund of XXXX : {$1200.00} ( XXXX cent less than the original purchase ). As of today XX/XX/23 the refund for this purchase has not posted to my Citizens Bank credit account.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have spoke to Kohls fraud department several times. I have told Kohls that this account is fraudulently open. The account has incorrect name, address, and phone number. 
They ask me for my address, name, phone and email does not match up with this account. They tired to update my address on this account without my permission. 
I have letters from them stating this account belongs to me. Kohls has not provide me any Proof about this account. I have sent them my ID for proof and FTC Report for verification proposes. I have letters coming to my mail with a different name saying this account belongs to me.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 or 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 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (CA)

My XX/XX/24 statement balance was {$3000.00}. I made payments totalling {$2900.00} from my checking account and had also requested to cash out my cash back rewards for the period in the form of a statement credit, which I have done monthly for probably the last 6 months. I always pay my account balance in full each statement period. Apparently something went wrong with their system and my rewards didn't post to my account as I had requested. Thus all but {$39.00} of my statement balance was paid. However, I was charged anastronomical {$51.00} in interest. I requested the bank refund the interest due to their error in posting my rewards but was denied.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (KY)

At XXXX on a Sunday my phone rang. It was XXXX from Citibank ERT ( Executive Response Team ) asking to speak with me. Not sure when it was ever OK to contact a customer on a Sunday, but I agreed. She claimed she was calling to relay some information concerning my complaint on how I felt targeted by her company. No matter what she stated it still would change how I felt targeted. The fact remains that I had been randomly audited twice for credit limit adjustment that caused a significant decrease in my credit limit on 2 separate cards. Citibank decision not only caused the decrease in my credit limits, but it was NEVER explained why just that my name was pulled random. Thus, in turn created a hell storm within all three credit bureaus. 
When this first occurred I contacted XXXX and XXXX, both stating that I had NO major changes on their part that would have created any credit decrease ( SEE XXXX dispute # XXXX ). I have over 20 plus creditors and none of which have ever decided to decrease my credit limit during an audit. Again, I expressed that I had no new credit checks, no major purchases, and no new loans so why the random audit and why twice? XXXX had no answer, promising that it wasnt personal. She claimed she understood my complaint but couldnt offer anything to help the situation. She mentioned the credit department uses a formula to determine credit limits. I find that story hard to digest, because I actually received two large pay increases this year. Annual income increased from XXXX to XXXX and my military XXXX increased from $ XXXX to $ XXXX. 
So even if the audit was random, it sure seemed awful funny that both my Citibank cards took a significant decrease ; not once but twice and with 3 months of each occurrence. As well as happening within 10 months of a major dispute and conflict between myself and a Citibank employee over a wrong card shuffle. So, I asked again what could XXXX do or offer me to repair this issue? She claimed nothing. I asked what the CEO XXXX XXXX XXXX could do? XXXX stated nothing and that the decision came from Citibank credit department. Now I wonder why the Citibank credit department didnt call me to correct this issue. Again, XXXX had no answer other than another soft pull on my credit to request a limit increase. No thanks, I am scared they will decrease it a third time. Well, this was a wasted Sunday afternoon phone call. 

Thanks for Nothing,