davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

***Please see XXXX CFPB Complaint - XXXX XXXX ; as the formatting of the complaint is not retained in this 'box '. *** XX/XX/XXXX I am concerned that I am being treated unfairly, with regard to a personal matter on my Citizens checking account in XXXX, due to my affiliation with the financial industry. I currently have derogatory reporting on my credit report from a XXXXXXXX XXXX XXXX and I am convinced this is due to a bank error by Citizens. I have attempted to work with Citizens and XXXX since XX/XX/XXXX, to have this corrected. XXXX has agreed to correct the matter, but Citizens has been less than helpful with resolving this issue. 

I am attaching documents showing my interactions with Citizens and XXXX between XXXX and XX/XX/XXXX. The last interaction I had with Citizens was a phone conversation with assistant manager, XXXX, where I was informed that there would be no further review of my concerns ( since the previous colleague researched the matter ). She also advised that my request to have the {$20.00} return fee, that I was assessed from this issue, refunded was denied. 

1. Why am I being told that it is not possible for the employee who worked my case to have made a mistake, when their job is to help customers resolve complaints and potential errors? Also, I was provided with 3 different response letters and all of them contain inaccurate and incomplete information, as well as typos and grammatical errors. In my opinion, if a thorough review was completed, couldnt those type of mistakes be avoided? 

After I provided the letter dated, XX/XX/XXXX, to XXXX  they denied my request due to Citizens saying I reported the transaction as UNAUTHORIZED. This situation has been extremely frustrating and I would just like to get it resolved. I informed the Bank, multiple times that I AUTHORIZED XXXX  to debit money from my account, but they took out the wrong amount. 

2. Why does the definition of XXXX  XXXX, on the CFPB website, have the below definition of an unauthorized transfer, but Citizens has a different interpretation? 

The transactions appeared to be separate complaint types when I was entering this complaint on the CFPB website. 

Per XXXX  XXXX, on that is not the case. ( m ) Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 




***I am providing the link to the CFPB website, which contains the information about EFTs. https : XXXX Please note, the aforementioned link is for the version of XXXX XXXX, that was in effect from XX/XX/XXXX, to XX/XX/XXXX, which covers the period when this situation occurred.
Consumer complaint received 2024-03-26
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. (MD)

FCRA 605B seems to require us to eradicate any inaccurate accounts from my credit report. Would you mind verifying the documents? There are discrepancies in some of the listed accounts regarding their reporting.
Consumer complaint received 2023-03-31
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: SYNCHRONY FINANCIAL (FL)

I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, SYNCB/AMAZON XXXX XX/XX/XXXX, XXXX - XXXX SXXXX 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/XXXX For XXXX the following fraudulent inquiries are : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

I PAY MY CREDIT CARD IN FULL EVERY MONTH. I MADE A PAYMENT OF {$460.00} ON XXXX. THE BALENCE WAS {$450.00}. THE CONF # IS XXXX. THEY ONLY DRAFTED {$160.00}. NOW, THEY ARE CHARGING ME {$20.00} IN INTEREST. THEY WILL NOT REFUND THE {$20.00}. I PAID THE FULL BALENCE. IT IS NOT MY FAULT THEY ONLY DRATED {$160.00}. 
IN THE PAST, I MISSED THE BALENCE BY XXXX OR XXXX CENTS AND THEY CHARGED ME AROUND {$68.00} IN INTEREST.
Consumer complaint received 2022-11-27
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. (KY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-07
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-02-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Affirm Holdings, Inc (VA)

XXXX has sent me over XXXX emails since XXXX  regarding a debt that I have asked them to send information to my address on file and validate the debt is mine by providing a signed contract etc. They only validated the debt via email and continue to send emails to collect the debt.
Consumer complaint received 2023-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

SYNCHRONY BANK / AMAZON has illegally reported my transaction history to all XXXX credit bureaus without permission or without requesting my formal consent. SYNCHRONY BANK / AMAZON also sent letters of judgment with XXXX  to sue me, after creating predatory interest rates during the pandemic. 

SYNCHRONY BANK / AMAZON is in violation of the Fair Credit Reporting Act, 15 U.S. Code 1681 a Sec. ( 2 ) report containing information solely as to transactions or experiences. 

According to the FCRA 15 U.S. Code 1681a Sec. ( 2 ) a. 1 Exclusions.- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - a report containing information solely as to " TRANSACTIONS '' or experiences between the consumer and the persons making the report. 

SYNCHRONY BANK / AMAZON parked this debt as a charge-off with transaction transparency which is illegal. I was not contacted or made aware of this being reported to my consumer report prior to the account being placed on it. The FTC vs XXXX XXXX XXXX court ruling decided that " debt parking '' is illegal. Consumer law states that reporting transactions without consumer consent are also illegal. I have reached out to the company and have been completely ignored and they have ignored the laws as well.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed an inquiry on my Transunion Credit Report that I do not recognize. The inquiry is from a company, " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/2024. It is unauthorized and should be removed from my report. I have filed an identity theft report and attached it to this complaint. I've also attached my id for proof of identity.
Consumer complaint received 2022-09-07
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number 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 an account without my written instructions
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Investigation took more than 30 days and nothing was changed to my credit report ... attached is my credit report of that XXXX account proving that there are misleading incorrect inaccurate items on my credit report .... clearly violating my rights!! THE EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS!! ONLY A XXXX PERSON DONT SEE THIS INACCURACIES ;!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To whom it may concern : I never applied for a XXXXXXXX XXXX  XXXX Credit card. I requested in 2022 for them to provide an application with my signature to prove I have an account they just ignored my request. They did close my account but they continue to charge me finance charges. I wrote to Transunion to dispute and got an investigation result saying it has been removed from my credit report. I have recently checked again since my XXXXredit score reflects a problem. It is not removed and still states XXXX is charging me finace charges. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring punctual payments has always been my priority for this account, avoiding any instances of overdue payments. I'm puzzled by the existence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I filed complaints # XXXX, XXXX, XXXX and XXXX on XX/XX/2022, and XX/XX/XXXX, XXXX since I couldn't view my credit score in my XXXX XXXX XXXXXXXX application. And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. Thanks!
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

My mortgage payment is {$2400.00}. It includes a {$160.00} MI payment. The MI amount will never fluctuate. My account is not impounded for taxes or insurance. Every month I pay {$2500.00} which calculates to {$70.00} in principal reduction. Repeatedly,  Cardinal Financial  applies the {$70.00} to my escrow account. I have called them and sent them messages through their message center. They have corrected the problem but they have not back dated my payments. As you know, on a mortgage, interest compounds daily. If my payments are never applied on the date in which they are originally received and my principal reduction funds are not posted when received, over the course of my 30 year mortgage  Cardinal Financial  would have stolen money from me by way of charging/collecting interest they have not earned. A very clear UDAAP violation. Please help me in resolving this problem. Thank you
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (AZ)

On XX/XX/2020, myself and my underage minor son, XXXX XXXX went to the XXXX XXXX XXXX XXXX XXXX for an urgent XXXX XXXXXXXX test. My underage minor daughter, XXXX XXXX had been to the same clinic 2 days prior for the exact same test. We were all seen by the same doctor and had the same test performed- a simple rapid XXXX XXXX test. At the time I had XXXX XXXX XXXX XXXX insurance. 

Many months after the tests, I was sent direct payments cover part of the payment owed the hospital. In all I recieved different payments for each of us, as were entered into the billing systems with different billing codes. All checks I received were given IN FULL to the billing office at XXXX XXXX XXXX XXXX XXXX XXXX. They did not cover the original billed amount, but the agreed upon insurance covered amount. 

Unfortunately the staff at the XXXX XXXX XXXX XXXX XXXX allocated the funds incorrectly and overpaid some of our accounts ( XXXX ) and underpaid some of our accounts ( XXXX ), making it appear as if the account was unpaid. In all, the medical facility received all payment owed for the XXXX covid XXXX tests for all 3 patents. 

After many many months ( at least 8 months ) of disputes between the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and myself, the matter was finally resolved by management at the XXXX XXXX XXXX XXXX XXXX and the accounts were closed as paid and in good standing. The matter was closed. 

More than XXXX year later, I received a DEBT COLLECTION notice out of the blue from a company called S.W. Recovery Services saying I owed {$3200.00}. They did not reference when services were performed, for who, or any other details. I disputed the claim with them. 

They next sent me by mail and old bill from XXXX 's early visits showing the unresolved payments for the XXXX XXXX test from XX/XX/2020. I told them this matter was complex, had a lengthy dispute, was more than XXXX XXXX XXXX and had been resolved as closed and paid. They continued to threaten me with credit bureau reporting and legal action. 

How do I get them to stop trying to collect on this matter? It is not a valid claim. It was a closed, paid account. And it was an early XXXX XXXX test that became eligible to be paid in full without medical insurance REGARDLESS. No other services were rendered at that time besides one XXXX  test for a XXXX XXXX XXXX child. 

Thank you for your help in this manner. 

XXXX XXXX
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (RI)

I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S ( T RACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXXExperian : violated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you
Consumer complaint received 2017-05-09
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. (FL)

XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  , IA  XXXX  RE : Complaint Against   XXXX   XXXX   To Whom It  May  Concern : I have requested from the creditor   XXXX   XXXX    and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman  from  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead of 90. I also have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my  XXXX  credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the  XXXX   XXXX  due date then the remaining balance of a little more than {$400.00} on  XXXX   XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XXXX   XXXX .     I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and credit score when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Kindly review the following inaccuracies on my credit profile, and delete. 

Delete inaccurate employment information from my report : XXXX XXXX XXXX XXXX is not an employer i ever worked for. 


Delete address XXXX XXXX # XXXX, XXXX, IndianaXXXX from my report. I never lived at this address, and it shouldn't be reporting to my credit profile. 

Delete XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX for inaccuracy.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (FL)

I felt sick and I was unable to use the card ; I called the bank asking for help and they couldnt advising to do a payment plan, but I declined to do a payment plan. Unfortunately, the representative put me in a payment plan without my authorization. I emailed them complaining to take me out of the payment plan and they responded after some days that they will do it, now I needed to use the card To buy medicine and the card still locked. I called an they say that I will receive an email. 
I dont know what to do anymore Im in a hard ship situation