davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

Synchrony bank charges late fee on due date. I send payments to all my bills XXXX or XXXX each XXXX. They send an email stating the entire balance is due and also they show almost double the amount due as payment on an email but when I get the mailed statement its nearly half less. Theyve lowered my credit limit based on my credit score which has been around XXXX ( up and down ) from that. I believe the fees added on the due date are not legit. Also theyll call saying they dont have my check around the due date and 2 times now Ive given them my atm number, they post the payment and then post the check they claim to not have
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I realize that I closed credit cards after the promotional period. Because the credit card companies utilize credit ratings that because I used a few promotional credit cards successfully and closed these accounts with a zero balance that the credit rating reports are trying to stall my ability to open new credit cards. This is seen that I was denied a credit card with a new credit card company only because I previously closed my credit cards with other credit card companies successfully. Because I have quite a few accounts that I was pinged for this and discredited with a denial of my credit card application for which I lost credit points on my credit score.

I feel they do not trust those who utilize promotional periods and close the account after utilizing promotion periods thus deny promotions to myself when opening a new credit card. This is essentially a credit card scam from the credit reviewers and credit card companies other than just american express : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( XXXX ) Your average utilization of credit card accounts is currently too high ( XXXX ) ''
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (MI)

On XX/XX/2023 I purchased a new vehicle from a Kia dealership here in Michigan ( XXXX XXXX in XXXX ). The dealership stated they were going to run a single hard pull credit check in order for me to be approved for the auto loan. Little did I know they were also going to run it through Hyundai financial besides Kia financial resulting in two hard pulls in the same day which in turn has plummeted my credit score. 

I was told 1 hard pull, and somehow two were processed I am requesting that the unauthorized hard pull from Hyundai be removed from all of my credit reports immediately. 

I hope you can help me, Thank you XXXX
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name RESURGENT/LVNV FUNDING Account Number XXXX The collection agency in question has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), however, they placed a collection on my consumer report. As a result, I am unable to secure much needed credit.

Additionally, I have not been afforded my right as a consumer to dispute this account according to 12 CFR CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, the information provided to the credit agencies is a violation of my consumer rights by using misrepresentation and deceptive means.

Lastly, this collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law. The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681S ( 2 ) ( 7 ) ( a ).

I am disputing owing any and all debts and demanding that you cease all communication with me or any other party regarding me.

Additionally, I need a copy of the purchase agreement between you and the original creditor as well as proof that you are licensed and bonded. 


XXXX XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (SC)

I had my identification stolen and my bank account was hack. it was used to get loans. my bank was closed the account and order stop payments to the company. I have sent police report, Stop payment documents and account from bank and FTC report. 

XXXX XXXX was XX/XX/2022 {$2600.00} XXXX XXXXXXXX XXXX {$1900.00} was XX/XX/2022 XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (DE)

On XX/XX/XXXX I reached out to MOHELA/ XXXX XXXX XXXX to try to opt out of my contract per15 U.S.C. 6802. i sent them a letter stating i di not give the consent to share my no-public information with third parties, and that they were in violation of the Family Educational Rights and Privacy Act of 1974, and would like them to take that off of my credit report.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

15 usc 1692d violations phone calls with deceptive actions and vulgar language by agent XXXX XXXX by pnc bank phone call at XXXX XXXX. Please cease and desist all deceptive phone calls and business practices. Please mail all information questions and concerns, certified mail
Consumer complaint received 2016-11-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (AL)

After checking my credit reports, i found a collection with a company, XXXX XXXX. I am unaware of this debt. I sent a letter to this company on XX/XX/XXXX asking for them to validate this debt by sending me something with their company bearing my signature. I sent the letter certified mail with return receipt. They signed for the letter on XX/XX/XXXX. After 31 days with no response from the company. I mailed a 2nd letter on XX/XX/XXXX which they signed for it on XX/XX/XXXX. The second letter asking them to remove this debt from my credit report since they broke the federal law by not providing me with a copy of any viable evidence bearing my signature, showing the account is being reported accurately. As of today 's date I still have not received any communications from them yet they are still updating my debt with XXXX. This showing on my credit report is hurting my credit worthiness.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my XXXX XXXX and bring peace of mind backintomylife.
Consumer complaint received 2023-06-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (MS)

I receive 5 to 6 calls a day from Harley Davidson Financial. I pay the bill every month, however they call me 5 to 6 times a day, even on Sundays and holidays. Even after I make promise to pay I still receive calls. I have also been threatened by representatives to adversely affect my credit score. For example on today, I have received a call at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all on XX/XX/2023 ). On Friday I received a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This occurs continuously, even the day after I have made the payment. I pay this bill every month yet I'm harassed daily until another payment is made and then the cycle starts over immediately sometimes the same day. I am a XXXX XXXX who suffers from XXXX and XXXX XXXX. I have had to increase my medication cycle because of the constant harassment.
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX H Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXXXXXX FIN Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-27
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: DISCOVER BANK (CT)

A Discover Card was applied for and opened in my name on XX/XX/2022 with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to Discover as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them
Consumer complaint received 2024-03-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (TX)

It has come to my attention that the agency has engaged in misleading, misrepresentation, and deceptive practices in its attempts to collect a debt from me. The agency has failed to provide validation of information and required disclosures as mandated by law. These practices are in direct violation of consumer protection regulations and are unacceptable. The failure to provide Validation of Information under 12 CFR 1006.34 ( b ) ( 5 ). They have also failed to provide adequate validation of the debt in question. The agency is obligated to provide all necessary disclosures to consumers.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Leased car financed by JPMCB Auto. Paid as agreed for duration of original lease agreement and COVID extension. Paid as agreed for duration of previous lease with company. Paid as agreed for complete loan following my decision to purchase vehicle from company. At issue is a window of time in which the company miscommunication contract terms, continuously, when I had exercised my option to purchase. This includes a signed contract I returned. Company is steadfastly refusing to remove charge off status from account despite its own many errors and my next efforts to resolve without legal action. I am requesting to file complaint under the Fair Credit Reporting Act as they have refused to provide me my file, contracts, and phone call recordings to validate my claims.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX )
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

In XX/XX/2022 I was give a 30 day notice to evacuate the premises by XX/XX/2022. If I didnt vacate the premises I would be evicted. I signed my new lease in a new city on XX/XX/2022 and all my possessions were out on XXXX XXXX. The key was returned on XX/XX/2022. They attempted to get money from me via email then I had to give them the full run down about the 30 day notice and provided pictures of the apartment. After providing the information the assistant manager responded thank you for the information and never received an email after that.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
HUNTER WARFIELD ( Original Creditor : XXXX XXXX XXXX )
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

. PROF DEBT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have constantly reached out to Experian to get my information updated correctly and Experian constantly sends me letters with the excuse that I am not a real person and I have not requested the recent changes. Via the CFPB I wish to have inaccurate addresses removed as they do not pertain to me in any way.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with XXXX, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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/2022
Consumer complaint received 2024-03-29
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: M&T BANK CORPORATION (MD)

M & t Bank is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

As written in my Appeal letter to Citi. 
I made a purchase from a website called XXXX XXXX XXXX, upon receiving an email that my order was received, I realized there was something wrong. The Email was not from the original seller it was from XXXX. And, the charges through another site, XXXX. I immediately had trepidations and called Citi fraud dept. 

I was told to contact the seller to see if I could work it out with them. Following is what I wrote on XXXX XXXX, XXXX  - I made a purchase on line with what I believed to be XXXX XXXX site for some bedding. After the payment went through I received the attached email. The receipt showing your information. Paid through a financial entity named XXXX 

After checking your web site I saw that you sell women 's clothing, not bedding. I am hoping you can help me figure this out. I have started an investigation with my bank, but, wanted to see if you may have any information that could help me. ( copy email is attached ) They sent me a reply with shipping info. I went on the shipping site, but it did not have any information on any shipment. 
I called Citi again and they started a dispute. I received another shipping confirmation # Which they said it was on its way. I was watching the shipping site as it was giving me updated information. 
I received an email saying it was delivered XXXX XXXX, XXXX 
I did not nor have I ever received anything from XXXX or XXXX XXXX XXXX. 
I have a XXXX XXXX, which I checked. I did receive packages in and around XXXX XXXX, but not from them or the items I ordered from them. 
Upon searching this company. I found many others had been defrauded. 
I am very disappointed in citi for giving in to scam companies and allow them to take money from their customers in this way. 
Please reconsider letting a scam company receive money fraudulently.