davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (CA)

I am writing to bring to your attention a pressing matter involving Kia Motors Finance and a late payment discrepancy that has adversely impacted my credit. I believe Kia has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 
In XX/XX/2023, I purchased a vehicle from Kia and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted Kia to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 
Upon escalating the matter to a supervisor, I was informed that Kia had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late date:XXXX I kindly request your intervention to prompt Kia Motors Finance to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with Kia.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following items must be deleted : XXXX XXXX XXXXXXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX and XXXX OF XXXX XXXX. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid 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: FIFTH THIRD FINANCIAL CORPORATION (CA)

My credit card number was compromised back in XXXX XXXX and subsequently cancelled and a new card was sent. The company has continued to allow charges from merchants who had the compromised card number to post the charges onto the new card. I have cancelled the card 4-5 times now and received new numbers, and the company is still allowing these charges to post from the old number. It is still happening, even though I do not even physically have a card anymore. I have disputed all the charges and explained to them what they are allowing to happen, but they have taken no action other than to file disputes, to which I do not have resolution. I have been paying the interest and filing disputes for 8 months at this point.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/Care Credit is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, between XXXXXXXX XXXX XXXX XXXX XXXX I deposited a total of {$4900.00} into the Bank of America ATM IDXXXX XXXXXXXX ( check ATM camera ) located at XXXX XXXX XXXX XXXX in XXXX XXXX CA, of that amount the ATM only accepted {$3600.00} and returned {$1300.00} back to me. I attempted to redeposit the remaining {$1300.00} multiple times ( XXXX times ), every time I inserted the money, the ATM would try to count the money making the fast-ticking counting sound and returning the money back to me. On the XXXX attempt, the ATM did the same action, the fast-ticking counting sound, and the the insert money window tried to open multiple times making a strange sound and suddenly the screen turned off, kept my {$1300.00} deposit, and displayed a message to contact Bank of America because the ATM is temporarily unavailable. I immediately called Bank of America to report this matter. 
On XX/XX/XXXX, I get a message in my banking app with the resolution We adjusted your claim because we received {$100.00} in cash for your deposit. Since we gave you a temporary credit, well debit your account {$1200.00} on XX/XX/XXXX. This resolution is NOT ACCEPTABLE because I deposited {$1300.00} on that ATM before malfunctioning and I do not know how investigators do their job. I went to the location where those ATM machines were and they are no longer there, I spoke to the employees on site, and they said that the XXXX was broken-in and that these ATM machines were stolen.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: World Omni Financial Corp. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC (FL)

Gemini credit card company has refused to update my balance to the correct amount after XXXX months of payments and is now charging me interest on a balance that is incorrect. I have contacted them over five times now to resolve the issue and they continue to lie about the current balance on my card. XXXX months of payments have gone by and the balance has not updated to the correct amount for me to pay off the card in full. This is fraudulent activity on their end.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

Synchrony XXXX Fleet Rewards Credit Company states their policy is to credit accounts accordingly for any payment made by midnight of the due date. The latest of THREE occurrences, all with similar timing, is : My credit union shows the electronic payment I scheduled for the due date of XX/XX/2024 as being sent to the credit card company on XX/XX/2024. The credit card company sent a bill for XXXX with late fees and interest because they say that payment from XXXX was made/processed on XX/XX/2024, a day AFTER the due date and 2 days after my bank account shows the payment as being made. I have called the credit union and they confirm that the dates shown on the account are the exact date e-payments are sent. Other payees paid by my credit union are showing e-payments made on the date that the credit union shows the e-payments as being processed. So I am VERY confident that this issue is with the Synchrony company not processing payments on time vs my credit union being late. Synchrony has removed the late fees and interest payments for these 3 incidents after calls and complaints were made. Their recommendation is to make payments earlier to avoid late fess and interest charges. I believe these incidents show fraud on the part of the Synchrony company with these junk fee charges. They are not following their written policy and are systematically posting electronic payments 24-48 hours later than when payment is sent, then charging late fees and interest to users.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XX/XX/XXXXRE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-18
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: GOLDMAN SACHS BANK USA (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an ongoing issue with Apple Card Gold Sachs, a financial institution, concerning a balance adjustment fee refund request of {$130.00}. 

It was charged on XX/XX/2023 and I initially requested this refund on XX/XX/XXXX. Despite multiple calls to the company, I have not received the credited amount back into my account. Each time I contact their customer service, I am assured that the refund has been processed and credited, yet there has been no evidence of this in my account statements. 

Furthermore, the customer service representatives consistently state that they are unable to provide specific information about the department handling my case. Instead, they assure me that the matter will be forwarded to the appropriate department for resolution. Unfortunately, this process has yielded no results, and the refund remains unresolved. 

I have diligently followed up on my case by making monthly calls, filing multiple ticket numbers, and providing all necessary information. Despite my efforts, there has been no progress, and the situation persists. Moreover, they baselessly assert that my bank is causing delays, a claim debunked by my bank after numerous calls. 

This prolonged delay and lack of resolution are causing significant frustration and inconvenience. I believe that my rights as a consumer are being violated, and I am seeking your intervention to ensure a fair and timely resolution to this matter. 
Please find the details of the case below : * Refund Amount : {$130.00} * Request Date : XX/XX/XXXX * Multiple follow-up calls made * Assurances from customer service representatives without actual resolution * Monthly calls made for status updates * Multiple ticket numbers filed I kindly request that you investigate this matter promptly and take appropriate action to ensure the refund is processed and credited to my account as soon as possible. Your intervention is crucial in rectifying this issue and ensuring that consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a swift resolution with your assistance. 

Sincerely,
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (TX)

I was approved for a modification. I made my last payment on XXXX XXXX XXXX  but was applied XXXX XXXX XXXX I am assuming because it was a holiday. This broke my agreement and cutomer service said I had to reapply for another modification. I was approved for a new modification with a ballon payment of {$88000.00}. I had to reject this new agreement to try and find an alternative such as a repayment plan. I can not reach my relationship manger by phone. I have a phone appointment for XXXX XXXX XXXX Customer Service can't help with anything other than taking a payment. My past due balnce is {$5300.00}. My total amount due XX/XX/ will be {$7200.00}. I am trying to reslove the issue with no luck.
Consumer complaint received 2023-03-24
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. (FL)

This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

and list of Inquiries. 

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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

Dear SYNCHRONY BANK I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) XXXX  for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but XXXX has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and FRB. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the 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
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX  has violated my rights. 

15 U.S.C 1681section 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
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This morning I found out that my bank credit card was closed, and then I called Bank Of America and they told me that my checking and savings account would also be closed in the next few days. Didn't provide any reason for closing my account. This has had a huge impact on my life, the only city I live in is Bank Of American. Now they can't open an account for me. I have not had any illegal operations, there has always been a stable deposit in the account, and the credit card has never been delayed in repayment.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) XXXX for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but XXXX has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and FRB. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the 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