davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony is doing everything in their power to ruin my score/ increase debt ratio. I have been paying every month. This is the 3rd time they have reduced my limit and/or closed accounts. I dont deserve this. I was in the high XXXX and now am in the mid XXXX thanks to this. 

It all began when they added a service without my knowledge called payment security to my account back in XX/XX/2022 which charged me hundreds in service fees to my account on a service that was meant to help with debts during a financial hardship. I called and asked it to be removed but they persuaded me to keep it and file a dispute because I had been going thru a financial hardship at the time. I filed proof of hardship, medical documents and after 3 months was denied assistance. Payment security is an absolute scam that took advantage of their cardholders in a globally challenging time. After all of this I requested the service be stopped and the account be closed which I have continued to make payments on to this day. After closing this account they reported it as a derogatory closure on my account and it dropped my fico between XXXX points from that closure alone. My credit was destroyed that day and went from good to poor credit. I wish this was the last of it but they continued to further ruin me. 

After this they closed car care credit card and lowered my care credit limit to the balance owed which now appears on the bureus as a maxed out credit card and a higher debt ratio from these unjustified and unethical closures. They specifically targeted me after the paypal closure and reporting them to the bureus, FTC, XXXX for this service of theirs. And now sent me letters that they've closed cards and lowered limits due to my credit score and debt ratio which they are to blame for creating this image. 


I would like my score as well and limits restored if not I will be disputing this matter in court. And due to the challenges, suffering and defamation this matter has brought I would also like them to pay for damages as well as be penalized for it. 

Its is absolutely disgusting a bank would retaliate and target someone like this, intentionally ruin their credit and lives. I depend on my score at this time to secure housing which this experience is not only upsetting but greatly damaging, its the reason I am presently without a home at this time because no one will approve me with such a score no matter how much I try to explain it wasn't my doing. 

XXXX XXXX XXXX Synchrony Synchrony Payment Security XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-04-05
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. (TX)

I am writing to express my profound disappointment and frustration regarding the ongoing issue with fraudulent items persisting on my account. Despite my repeated attempts to resolve this matter, I find it incredulous that I am now compelled to address this for the seventh time.

Despite my efforts and the assurances I received, the fraudulent charges persist, and the promised action remains elusive.

The repeated failure to address this issue is utterly unacceptable and reflects poorly on your company 's commitment to customer satisfaction. I have provided ample evidence and cooperation, yet the fraudulent items continue to mar my account, causing me undue stress, inconvenience, and financial harm.

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this egregious oversight be waived without delay. Furthermore, I expect a formal apology for the prolonged neglect and the distress it has caused me. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XX/XX/2024 ; XXXX XXXX Balance : {$3100.00}.
Consumer complaint received 2023-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

On XX/XX/XXXX I had XXXX XXXX on my right eye. All XXXXXXXX XXXX XXXX were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. On XX/XX/XXXX I had XXXX XXXXXXXX on my left eye ( by same provider ) and all XXXXXXXX XXXX XXXX  were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX with the exception of XXXX  on XX/XX/XXXX. 
I received 3 notices/bills in the amount of {$600.00} for the XXXX  provided on XX/XX/XXXX from XXXX XXXX XXXX XXXX I contacted provider after each bill ( last contacted on XX/XX/XXXX ) advising provider to submit bill to my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. Each time I was told the provider would relay info to the " back office '' and I would not be sent to collection. I received no further contact from XXXX XXXX XXXX. 
On XX/XX/XXXX I received a bill dated XX/XX/XXXX from Guardian Capital Management Hawaii XXXX XXXX XXXX XXXX XXXX for {$600.00} for services provided by XXXX XXXX XXXX referencing Date of Service XX/XX/XXXX. 
This charge is covered on my qualified XXXX beneficiary program.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (MI)

Correct name and address that should be reported. Remove all names and old addresses from credit report. One name a d one address should be reported. Enclosed be find a copy from secretary of state with Correct name and address
Consumer complaint received 2023-10-20
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: AMERICAN EXPRESS COMPANY (NJ)

I have made multiple attempts to rectify this issue directly with Amex, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off/ Collection listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate. And if you look at the consumer report, it's reporting as a charge off and collection, how is that possible? this reporting is inaccurate
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I asked for a debt validation letter from the company portfolio, recovery sometime early in XXXX but never received, that and the lady I spoke with assured me that the letter will be going out and I never received any letter but I kept receiving the harassing calls, and long and behold. I viewed my credit report and they reported it to my credit XX/XX/XXXX which they never sent me the validation of debt letter
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

For my monthly bill in XXXX, the payment app was down again along with website, so I had to call and make my payment. I have made every payment on time for roughly 3 years, paying more than agreed. 

The payment came out of my checking account on XX/XX/2023 Citizens Bank NA Phone paytel {$170.00} is on my bank statement. Which I have photo evidence of. 

I received a late notice a week later, saying the payment was not made. 

I called on XX/XX/XXXX and they had told me the payment went into the wrong account and would be reviewed by a superior. They told me to call back in XXXX business days. 
I did call again and was handed off to several associates several times, spending an hour each time waiting for good news. The amount of times I have called this company is almost in the double digits. Each time, giving several people the same information over and over again until tears start flowing. 

Citizens keep requesting that I call again in 3 days which I have done for XXXX weeks. Spending a lot of time getting transferred to different associates or being on hold. The conclusion is the same each time, call us again sometime in the future and we will have you wait for nothing while we ruin your credit score.

I am concerned that my requests to have this as a " late payment submitted in error '' to the credit agencies are not being followed through with. This is not my mistake and should not affect my credit in any negative way. 

I appreciate having this option to file a complaint because I have had no luck and nobody to turn to for help. 

Case Number XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that XXXX making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-10-20
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. (TN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency XXXX are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX  XXXX {$2100.00}
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

1. On XX/XX/XXXX, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. XXXX. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX on XX/XX/XXXX sent me a letter saying that they did send the money to CapitalOne XX/XX/XXXX, and that it was cashed by CapitalOne on XX/XX/XXXX. On XX/XX/XXXX I called CapitalOne and customer service was saying that they were not able to help me and that they have no record of the check being sent to them from XXXX.
Consumer complaint received 2023-04-26
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXXBalance : {$2700.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (TX)

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXXXXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. It is also important to note that XXXX and XXXX are not reporting this late payment so I am confused why Equifax is reporting this. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (NJ)

I was entered into a reputable debt relief program in an attempt to settle an outstanding debt with NetCredit due to severe financial hardship. The settlement agreement was dated XX/XX/XXXX and listed the agreed settlement amount and monthly payment schedule. All proofs of payments are available and can be provided. Despite the settlement agreement and accepting the monthly payments, NetCredit has been incorrectly reporting the account as Past Due with an incorrect amount. I reached out to NetCredit in XX/XX/XXXX and they refused to update the information on the account. As a result, my credit score has been tanked for whole a year due to false reporting by NetCredit.
Consumer complaint received 2023-02-17
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. (CA)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, 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 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.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc (TX)

XX/XX/XXXX - I pull my consumer report and an eviction from XX/XX/XXXX is still present. I received a letter from the OCA which was handling the default judgment stating this would removed from my credit report within 90 days. That letter was dated XX/XX/XXXX. 

XX/XX/XXXX - I contacted the court handling the case and told them it was canceled by the OCA. I was told I had to take the letter to the apartment complex and ask them to vacate the judgment. 

XX/XX/XXXX - I went to the apartment complex to talk to them about this matter. I was told the letter was wrong, and that I owe {$4100.00}. I don't understand how the OCA could make such a mistake. 

XX/XX/XXXX - I apply for an apartment and I subsequently denied due to the eviction found by XXXX   tenant screening services. 

XX/XX/XXXX - I filed a dispute which included the attached documents. 

XX/XX/XXXX - I still have not heard about the dispute from XXXX.