davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (MA)

On XX/XX/XXXX I cancelled a warranty on a XXXX Honda XXXX with XXXX mileage at Honda XXXX, after I realized that I have been screwed up by the finance guy, I have been told that a warranty was required on the car, in case anything happens to it or if requires to get fixed so I wont have to pay anything theyll be taking care of it. But everytime I brought my car to get things done, i have been denied and been told that it wasnt covered by the warranty. Until my cousin told me I didnt need a warranty on a car that looks like a brand new. I cancelled it on XX/XX/XXXX, the finance guy told me a refund will be send out to me but American Honda Finance XXXX never refund for the unused portion of your extended warranty 's policy. I dont have any month due, however American Honda finance sent me on debt Collection. On XX/XX/XXXX American Honda finance has taken extra money {$760.00} from my bank account, my monthly payment with the warranty fees used to be {$550.00} or {$550.00} dollars, even after I cancelled the warranty the remaining balance is still the same, my monthly balance remains the same. I have spoke to them several times I have been ignored
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (WA)

On XX/XX/year> CREDIT COLLECTION SERVIC opened a collection of {$160.00} I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and I have not written any consent from my end. 

They also have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureus. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

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 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 2024-06-03
Product: Credit reporting 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. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I am writing to formally lodge a complaint regarding the handling of my Citibank credit card account, which was closed in XX/XX/year>. The sequence of events that transpired has led to a significant negative impact on my credit score and overall financial well-being, and I believe this situation reflects a failure on Citibanks part to provide adequate service and communication. 

In XX/XX/year>, I received a notification via mail from Citibank stating that my credit card account had been closed. Subsequently, my access to view the credit card information through online banking was removed, leaving me with only a message indicating that the credit card was closed. Despite this, Citibank failed to send me any statements or remaining balance reminders since XXXX, leaving me unaware of any outstanding amounts that needed to be settled. 

As a result of this lack of communication, I was shocked to find that my XXXX credit score decreased by XXXX points XXXX months later. Upon reviewing my credit report, I discovered that Citibank had reported my credit card account as delinquent. This was done without any notice to me, the cardholder, for a period of XXXX months. The credit report also indicates that the account was closed in XX/XX/year>, further compounding the confusion and frustration. 

I am deeply concerned by Citibank 's handling of this situation. The lack of notification regarding the remaining balance and the subsequent reporting of the account as delinquent have caused considerable damage to my credit score. This incident has not only harmed my financial standing but also undermined my trust in Citibank 's ability to manage customer accounts responsibly. 

I request the following actions to rectify this situation : 1.Immediate correction of the erroneous delinquency report on my credit report.

2.Written confirmation of the steps taken to amend my credit report.

3.A detailed explanation as to why the account was reported as delinquent without proper notice. 
4.Assurance that all future communications regarding account closures and balances will be handled with due diligence to prevent similar issues. 

I trust that Citibank will take swift and appropriate action to resolve this matter. I expect a response to this complaint within 14 days from the date of this letter. Failure to address this issue satisfactorily may compel me to escalate the matter to the relevant financial regulatory authorities. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (OK)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Chime forced my account into suspension when I deposited a check my grandpa sent me for {$1000.00}. First, they delayed the funds, then they froze the account. I got so many phishy emails about why it was suspended, and emails from people pretending to be chime. To the point fast forward to XXXX XXXXXXXX, I still cant get access to funds in my chime account or access to my chime account at all. I am so XXXX off!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NJ)

DEAR JEFFERSON CAPITAL SYSTEMS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


Account # XXXX Amount Owed : {$410.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account # XXXX Amount Owed : {$1500.00} Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

PayPal blocked my access to my account and my money. Without any agreement with me they created some additional obstacle to prevent me the access to my account and my money. PayPal made up the false request in order to let me access my money I have to provide the credit card number that I do not use and do not have with ending " XXXX ''. Print of the page is attached. When they provided another option to get a code on the phone it was also failing, didn't send a code claiming that something went wrong. It was set up to fail that it didn't work either. I conclude that they intentionally locked my money. It happens not just for the first time. It was happened before not just one time. I lost my trust to PayPal completely. They do not learn their lesson. It is not my first complaint and PayPal never was held accountable.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

My recent credit report is showing a collection from Jefferson Capital System XXXX, this debt collector gave me no time to dispute this debt, and I am requesting debt validation. In this debt validation I am asking for the original contract between myself and the original creditor with my signature stating that I agree to pay this creditor, proof that you have chain of title to collect on this debt, a detailed list of the history of payments as well. I am disputing owing any and all debt to this debt collector. Im also requesting to see the purchase agreement between the debt collector and the original creditor. My consumer rights are clealry being violated and this collection needs to be removed immediately.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

accounts to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern on XX/XX/XXXX, I received an Indemnity fund from my lawyer for {$7500.00} I deposited in my chase account on XX/XX/XXXX, I was told that I can get {$3000.00}. The next week in XX/XX/XXXX, my fianc received her Indemnity fund for XXXX My Lawyer split our settlement in half. My fianc endorse the check to me on XX/XX/XXXX, I deposited into my bank account I ask for {$3000.00} she said okay from my account because the third party check from my fianc is I hold until XX/XX/XXXX. My account was restricted on XX/XX/XXXX when the funds cleared and chase told me he been trying to verify my third party to verify chase in the number thats registered to her name they couldnt contact me. I provided chase with my fianc landline phone and cellphone and chase will say not registered to her name but she had them number for years. I dont understand the verification process because its a lot of people with the same names when searching for phone number verification. XXXX said I have 10 days or by XX/XX/XXXX my account going to be closed. I talk to chase specialist on XX/XX/XXXX, the chase customer say they can verify through lawyer and they would send funds back and the specialist also set an urgent message for my funds that didnt have anything to do with the check to be release at my branch on that day XXXX XXXX. I received the money in was told on XX/XX/XXXX the money will be transferred to lawyer in my account will remain restricted until funds of XXXX be returned. On XX/XX/XXXX, received a text message from chase with XXXX balance check my account an seen a XXXX check charge of XXXX was taken out. I assume it was being sent back to Lawyer. I called today on XXXX XXXX they told me my account close into the third party is verified. They can not just take my money. I told my lawyer to dispute this claim because chase being given us the runaround and is come back to the same thing. I can bring my ID anything but chase say this the only way to verify through a register number all her numbers registered but chase says its not. It s ridiculous how they dont even care about they customers I been with chase for 10yr now and Im going to fight for my funds
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I provided my stepmother a {$100.00} American Express gift card for XXXX. She has tried many times to use it without success. I have tried several times to use it without success at various businesses, including XXXX and XXXX XXXX with a purchase price less than {$100.00}. The magnetic card does not read. I have tried to use it for online purchases ; however, they all decline because there is no expiration date on the card and no name or address that I can use that is tied to the card. I have contacted American Express who is unhelpful and unable to provide the needed information. The representative has told me they will send another card multiple times and I have not received anything nor have I been able to resolve this issue. The representatives simply tell me to " try a different store, '' but that is not helpful as I have tried a number of in-person and online stores without success. I have exhausted all resources and I am extremely disappointed in American Express as it is a reputable company but I do not wish to do business with them any further. I am hoping to receive a refund of my {$100.00} but they will not do that.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

Since my initial call to the customer services at Goldman Sachs over 8 months ago about my existing Apple Card, the rep told me to fi my issue with my Apple Id and card I had to close my account and open a new one. Since then, XXXX XXXX XXXX and XXXX fixed the ID issue but every time I apply for the Apple Card via Goldman Sachs, the application goes to pending review, then I get an email asking for proof of identification, so I upload a copy of my drivers license which has my correct information just like on the application. 

Within a few hours I get an email stating that they can not verify my identification. 

Funny that I get statements for my checking account from Goldman Sachs, my old apple card statements, letters, flyers, and pre-selected information to my address here, the same one on my application and drivers license, but they can not verify me. Its like harassment. 

See copies of all my proof, enclosed.
Consumer complaint received 2024-07-14
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. (MI)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization ccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_DISCOVER Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account Name_XXXX XXXX______________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Consumer complaint received 2024-07-31
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXXXXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXXXXXXXXXX  Account Name : XXXX
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (AZ)

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE