davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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 — Problem with personal statement of dispute
Company: United Credit and Collections Inc. (MO)

I am writing to dispute a derogatory record of failed lease payment reported by United Credit and Collection Inc ( XXXX XXXX XXXX XXXX XXXX, Missouri XXXX ) to XXXX XXXX XXXX. United Credit and Collection provided the report on behalf of XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX ). 

We left an apartment at XXXX XXXX XXXX  XXXX for safety and sanitary reasons on XX/XX/XXXX. Prior to leaving we indicated both verbally and in writing to the property manager about the dog barking on our floor, the presence of large dogs in hallways and elevators and the dog excrement in common areas. This was not acceptable to us and a violation of the lease agreement that we had signed in XX/XX/XXXX. The lease we signed had a no animals policy ( Item XXXX XXXX agreement ). The property manager, XXXX XXXX, reassured us that the only tenants who had XXXX agreements would be allowed to have animals. This policy changed and XXXX XXXXXXXX XXXX XXXX advertised their leases as 'pet friendly ' and that any tenant could have two dogs with no size or breed restriction. 
We indicated the safety and sanitary reasons for our departure. We received no response from the property manager about our complaints nor any disagreement about our reasons for leaving. We provided written notice six weeks prior to our XX/XX/XXXX departure and paid an additional 30 days rent on departure. We include as support of our health and safety claim, the property managers notice ( XXXX XXXX ) to tenants about the continuing pet violations in XX/XX/XXXX. This notice was sent two weeks prior to our departure and four weeks after we provided our written notice to XXXX XXXX. We include the lease agreement that indicates NO Animals. We provide a lease ledger indicating the continued churning of our account following our departure for cause. This ledger ( {$3000.00} ) differs from the continued churning found in other ledgers of XXXX XXXX XXXX  XXXX XXXX. that was sent to the credit reporting agency. 

XXXX XXXX XXXX XXXX not only ignored our complaints but also continued to add charges to our account despite the resident managers acceptance of our written notice in XXXX and the acknowledged submission of keys and fobs for our apartment on XX/XX/XXXX. The {$4500.00} charges submitted trepresent churning of our account with continued charges through the end of the lease in late XX/XX/XXXX. 

The notice of pet violations from the prorperty manager is included with the report. 
We left our lease early for safety and sanitary reasons. We dispute the derogatory report. We request the notice be removed from our credit report.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 I received 5 emails from Bank of America asking me to verify my email address ; Welcome to Online Banking ; Verify Email Address ; Welcome to Mobile Banking ; and Unable to Open Account. I have not attempted to open any accounts with Bank of America. Following these emails, on XX/XX/2023 I received a physical letter at my residence mail stating the account application was declined ; this letter showed a company name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mention of XXXX as location. Nothing of which I recognize. All attempts to contact Bank of America Fraud result in no answer ; request for account numbers to get a representative ( if you don't have an account, you can not progress on the phone system ) or full SSN - and continuous disconnections.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/2022 I paid my state taxes {$740.00} plus the website fee of about {$1.00} through XXXX ; confirmation number XXXX. 

The state of IL placed a hold and automatically withdrew {$740.00} from my XXXX account on XXXX XXXX 2022 as they never received the payment from XXXX. 

I attempted numerous times to reach the merchant, XXXX, but was kept on automated hold for as long as 6hrs on several occasions. 

Due to my unsuccessful attempts, I initiated a dispute through my issuing bank, Citi bank. To my greatest surprise, it has not yet resolved the dispute yet it continues to charge me interest.
Consumer complaint received 2024-05-06
Product: Credit 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: BARCLAYS BANK DELAWARE (PA)

In XX/XX/XXXX, I recevied a statement in the mail with a number of charges that I did not recognize or make. I called the card company and reported fraud. they offered a tempoary credit while they investigated the issue. In XX/XX/XXXX, I received a statement in the mail for a partial credit, and was asked to pay a balance of {$340.00}. The company is saying that I am liable for these charges even though I did not make them. The breakdown on my statement is as follows. XXXX XXXX {$160.00} ; then XX/XX/XXXX ( {$120.00} ) then XX/XX/XXXX {$50.00}. 
I do not shop at the stores where these purchases were made and did not authorize or make these purchases. I have called the compnay at least 3 times to explain and dispute these charges to no avail. The last time I called was XX/XX/XXXX. I called in XXXX and asked for further investigation on this matter and never received any additional information. Can The company can pull the signature of the receipts as part of the investigations? if so, would like to request it so that it can be further proven that these are not my purchases.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MS)

I payed my XXXX XXXX card off in full over the phone on XX/XX/22. On XX/XX/22 they charged me an interest charge. I have talked to the company multiple times. Everyone I speak with says it doesnt make sense and I shouldnt have been charged, yet I am still getting interest compounded due to this fraudulent charge. The last person I spoke with claimed to have removed all interest charges on my account and close my account. A week later I received another bill.
Consumer complaint received 2023-09-04
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (WA)

LVNV is trying to collect a debt that is time barred. It has been 8 years since XXXX  that I made a payment on this debt. XXXX  State time limit is 6 years. They are trying to garnish my wages. This is not the original company that had the credit card debt it was XXXX XXXX.
Consumer complaint received 2023-11-15
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. (LA)

I have an Unknown inquiry on my TransUnion Consumer Files XXXX XXXXXXXX XXXX is Unknown and otherwise a non public Transaction or Experience Excluded from Consumer Files. Therefore continuing to provide this inquiry is willful non compliance and Identity theft. 
I have a right to Privacy and Unknown unauthorized fraudulent identity theft inquiries are to be permanently blocked
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Consumer Adjustment Company Incorporated (TN)

I received an alert on my credit my point went down XXXX points I called the company Consumer adjustment company and ask what was this they told me in XXXX  I received a loan I said no I didn't I ask them what was the address they gave me and address that I didn't live at and I told them I have proof it was a third party company I ask them to delete it as soon as possible because I don't have negative stuff on my report
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from XXXX TransUnion and XXXX and all other credit reporting agencies
Consumer complaint received 2023-05-06
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. (KY)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 


XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : Synchrony Bank Amount of Debt : {$690.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions that are included in the debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (WV)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I have sent LVNV Funding LLC a cease and desist letter and this company has refused to adhere to the Federal Guidelines by ignoring my request in my attempts to resolve this matter. LVNV Funding LLC has also been found to impose as a collection agency trying to illegally collect a debt when they are not legally licensed or registered and or insured to collect debts in the state of Pennsylvania per the XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (WA)

On XX/XX/2023 I purchased a 1 year membership to XXXX XXXX XXXX XXXX. After a few months I closed the checking account it was on autopay for because I got married and went to husbands account. Did not even think about this membership that was linked to that checking account. Fast forward to now, XXXX in contract to buy a home and found out that I got sent to collections for {$210.00}. XXXXXXXX XXXX  did not even try to contact me over any means of communication about the missed payments. I never received any emails or calls or anything. Then after getting sent to collections, I did not know anything about it. The only way I found out what it was even for is because on the mortgage disclosure it said the debt collection company ( CACi ). I then contacted them and they emailed me some documents. The address they sent the letter to was completely wrong. Yes, I signed a contract and would have been willing to update the payment info if I knew. It is wrong to not have any notifications of missing payments and automatically getting sent to collections. Now our interest rate on this house is going to be higher because of the impact to my credit score this has caused.
Consumer complaint received 2023-10-09
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: JPMORGAN CHASE & CO. (GA)

I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

This is related to ( charge off account ) and 1099=c that I received and explane to them that this is not debt but income and therefore you can not report income as a debt on a consumer report. 1099-c Applicability the Internal Revenue Code requires a creditor discharging indebtedness to file an " information return on 1099-C with internal Revenue Service '' 26 C.F.R , 1, 6050p-19 ( a ). Whether or not an actual discharge of indebtedness has occurred, a " discharge of indebtedness is deemed to have occurred '' for the sole reporting requirements.

The dates and charge off shown on my credit report can not be reporting on any consumer report after the creditor has written it off, this debt has been extinguished by IRS and this bank has gotten credit for this debt Also within this matter Congress has written subject matter on hand ... ... ......

15 U.S. Code 1681b Permissible Purpose of Consumer Reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and NO other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issues in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-04-03
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens bank withdrew {$99.00} from my account for a check I wrote for {$19.00}. I called customer service who pulled up my cancelled check and confirmed the banks error. He stated he could see the check was written for " XXXX dollars and XXXX XXXX and in the upper right amount box I had written " XXXX '', the associate advised I would receive an {$80.00} adjustment within XXXX business days providing me with reference # XXXX. Today I received a form letter denying Citizens will credit the {$80.00} they unlawfully removed from my account. This is fraud & will be taking Citizens to small claims court if this is not corrected in a timely fashion. This is the second time Citizens made an error on my account. About 2 years ago, I made an in person deposit of several XXXX dollars at the XXXX, XXXX  branch on the corner of XXXX and XXXX. I was told they 'accidently " put it into someone else 's account, apologized & credited my account. A friend just advised me Citizens bank is being sued for sending out automatic denial letters. I think they have learned nothing. I will not be appeased or accept condescension. I'm a XXXX XXXX XXXX retiree ; however my former position at XXXX XXXX, was to settle claims & I still maintain contact with several excellent litigators.
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (FL)

I have credit builder account with MoneyLion. I make a monthly payment of {$88.00}. On XX/XX/XXXX the payment was taken out of my account. I went on the account to check to make sure everything was current. After visiting the account I see that the account is showing past due. I reached out to Customer Service and they told me that they had escalated my case to the appropriate department and it shouldve been fixed within 3 to 5 business days. That was not the case. I reached out to them two days ago regarding the situation and they again gave me the runaround and yesterday they emailed me saying that the dedicated team is still working on the case it has been almost 3 weeks and they are sending me email saying my account is going to be at fault and the added additional charges to my account when I have the proof that they have taken that money from my account but no one wants to fix it. I am honestly tired of all the runaround they are giving me. This should not be a three week process. It is an easy fix. They told me that they do see where the payment was taken so I dont know why they cant make my account current because I do not owe them anything.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One reported that it experienced a data breach and that the information reported is incorrect but they still continue to report 4 late payments on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 4 late payments.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-04-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SEACOAST BANKING CORPORATION OF FLORIDA (FL)

In XXXX of XXXX, we closed on a construction loan with XXXX XXXX  in FL. Since then, Seacoast bank in FL has bought out XXXX XXXX. Our home was finished and we moved in XX/XX/XXXX. Seacoast bank has yet, after multiple emails and attempts, moved our construction loan into a permanent residential mortgage. Because of this, our payment continues to go up due to loan maturity and penalties that are not our fault. 3 months have passed and Seacoast bank still does nothing.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/year> I sent XXXX $ through XXXX to a company called Luxury beauty bar that I had seen on XXXX, before sending any payments i asked how long it would take to receive what i had purchased. She stated XXXX buisness days. I never received a tracking number in which I reached out multiple times once i realized i was scammed I reached out my bank and my bank isnt doing anything about it