davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (KY)

I was randomly called about an alleged debt they claimed I have. I didnt know anything about it and asked for time to have this audited and have some information sent to me. I went through the audit process with the hospital and when I was finished I attempted to log back onto my acocunt with XXXX   so that I could address the alleged debt. At that time I could no longer access my account. It says my account could not be found. I have sent about 15 emails to the company XXXX  ( A XXXX XXXX COMPANY ) telling them this and they will not give me any answers. I was sent a reply back once saying that my account is in the legal department and I need to call a specific number but I dont have a working phone right now and can only communicate via email which I have told them over and over again but they refuse to communicate with me and give me any answers regarding this alleged debt so that I can take the appropriate actions on it. ( Also I already made a payment on this account so that I could avoid escalating it but now that they have locked me out of my account I have no way to even know if that went through, whats remaining, or how it affected my account status. If I could get into my account I could make arrangements but they are locking me out of everything and refusing to communicate with me all the while the clock is ticking and I could have my wages garnished and irreversible damage done to my credit if I dont make a payment arrangement. How am I supposed to make a payment arrangement when they havent even sent me anything that explains what this alleged debt is from and why they feel i am responsible for it? How am i supposed to make any kind of arrangement at all when they wont communicate with me?
Consumer complaint received 2023-09-05
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NJ)

I am of XXXX XXXX descent. I am proud to be such. My surname is XXXX, my XXXX  half and XXXX, is my mothers maiden name ( she is % XXXX XXXX  ). Her mother and father, my maternal grandparents separately fled XXXX for XXXX XXXX during the much denied XXXX  XXXX  by the XXXX  people. They, after XXXX years of being relegated to living in XXXX finally and legally XXXX  to the United States. To put the gravity and severity of this XXXX  into some context/perspective, by proportion and a percentage of a people XXXX  the XXXX  XXXX  XXXX  the XXXX of the XXXX  during XXXX. This story makes me very perturbed, disturbed and angry. I have applied for several citi products over the years. Been denied each and every time. Now I know why! Im assuming that in todays day and age it would not be hard to determine my being half XXXX. The poultry {$1.00} XXXX awarded to the wrongfully denied XXXX  by citi is on its face and through and through an insulting number. Its so insulting that it wouldve been better to have them have offered {$0.00} for their blatant and proven egregious wrongs. I hate the word entitled, but citi owes any and all XXXX  a large portion of what is the {$1.00} XXXX in assets they possess/control. They are worth {$1.00} XXXX and give {$1.00} XXXX in award/damgaes!!! That is a mXXXX XXXX XXXXXXXX fraction of their total assets. Pathetic, insulting and downright wrong/XXXX, Very sadly, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards. 

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (SC)

I have owned accounts by Synchrony Bank ( CareCredit card ending in XXXX, Lowes Advantage ending in XXXX ) for several years and have never missed any payments and they closed my accounts unfairly, which they have been on monthly autopay. I recently changed banks and added my new checking account to both accounts to make sure the payments were made adequately. I can prove the payments withdrawn from a XXXX XXXX account for several years as well as withdrawn from my new banks checking account. Within the past year the CFPB and XXXX found XXXX XXXX has engaged and tried to fault and tarnish my name and Im so thankful for the truthful investigation to resolve the proper resolution that the bank postponed for almost a year until you guys and the XXXX  stepped in. I tried view the payments history and they closed and locked the accounts in name, which I have been unfairly treated as well as been unfortunately discriminated against. The bank was found guilty with fraudulent transactions on my accounts, which led to an arbitration settlement. Now, as an honest and loyal consumer banking with XXXX XXXX over 15 years I decided to no longer bank with XXXX XXXX, due to the unfair treatment and dont trust my personal financial information with the bank. XX/XX/XXXX I spoke with Synchrony Bank and they have made allegations stating I had returned and missed payments, which I can verify on bank statements. When I tried to research the Lowes payment history I found several negative faults, but I assure you in honesty some information was changed. I think we need to check with the credit bureau as well, as Im confident the banks are distinctly targeting my reputation and credit. XXXX XXXX tried to ruin my score by taking a {$3000.00} limit card with XXXX XXXX usage down to only {$300.00} credit limit, which dropped my scores over XXXX points and unfairly treated me to tarnish my credit and borrowing capabilities. The CFPB and XXXX resolved that unfairness and angered the bank Im sure and my score has yet to gain those points back.,, Please assist and resolve this situation. Thank you
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I did not get the product/service I paid for. I used a photo retouching service for my sisters wedding photos. They kept giving me the runaround and would ask for more money to make revisions. To this day, they have not refunded me after stating I still have not received the services I paid for and would just like to completely cancel and get my money back. I filed an official chargeback with Wells Fargo since the money came out of my checking account/debit card. Wells Fargo hasnt resolved this issue either.
Consumer complaint received 2023-01-25
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (GA)

I sent letters to Experian and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023 and XX/XX/XXXX. 2023. Experian and XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian or XXXX doesn't have any files to verify this account, nor will they delete it. 



The accounts are XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX Opened XX/XX/2023 Posted on XXXX and Experian XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$76.00} Posted on XXXX and Experian
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (TX)

I called the credit bureaus and let them know the following accounts on my credit report should not be there and are not to be reported to my credit. 



XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number : XXXX XXXX. account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX This is aggravated identity theft. I never gave them written consent to report them. This notice is to inform you that you are unlawfully reporting unathorized items on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with theses companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2023-07-21
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am writing to file a complaint against Bank of America, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, BOA continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with BOA for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, BOA has continued to report the account on my credit report, which has negatively impacted my credit score. 

This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against BOA for its failure to comply with the FRCA. I also request that you ensure that BOA removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Consumer complaint received 2022-10-19
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. (DE)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Act. Name XXXX XXXX XXXX, XXXX XXXX. Name XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CA)

I opened a checking account with Simple.com which had no fees. Simple.com was acquired by XXXX, and then XXXX was acquired by PNC Bank. I recently went to check on my checking account at PNC and found that since XXXX of this year, PNC has been charging my account {$7.00} per month in account maintenance fees. I never signed anything agreeing to this fee schedule, and I never received communication that clearly and explicitly stated that I would be charged this amount. I asked the company to refund these charges, but they have not allowed me to submit my dispute because despite providing answers to security questions, they claim that they can not verify my identity.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XX/XX/XXXX around XXXX, an unauthorized charge of {$50.00} was taken from my Chime account for XXXX XXXX. I have never used XXXX XXXX. 
I called the bank asap advised that this was not me. They canceled the card and sent a new one. 
After a few days I received and email stating " no error was found ''. I called again advising this was not a charge I made. I challenged their decision. 
I received the new card, did not use it at all. Put it away, on XX/XX/XXXX three more charges were attempted for XXXX, {$25.00} each. 
I called Chime. At which point they blocked XXXX. And resubmitted the claim for an unauthorized charge. As I advised I have switched banks, as I do not trust Chime with my money and the fact that someone was still attempting to access my account t was odd. It sounded to me as if it was internal. As the card I had never left my home. 
I received another email advising that " no error was found ''. Then received another email advising they were ending the relationship with me. 
I feel this was a retaliation as I have had the account t for years and never had an issue. It seems they not only do not want to help their customers, they get mad and close accounts when challenged.
Consumer complaint received 2022-11-09
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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
Consumer complaint received 2018-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Services Corporation, LLC (OH)

I was charged twice by Health Credit Services for a monthly installment on loan XXXX, but they never credited me for the double charge. They simply pocketed the money. I sent documentation of the deduction directly from my checking and attempted to follow up over several weeks, but they never responded. One customer service manager did mention that this appeared to have happened to a number of accounts, but she refused to say what, if anything, the company was going to do to fix it. 

The company is managing a loan for services rendered at XXXX XXXX XXXXXXXX. XXXX appears to be based in XXXX, North Carolina.