davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Home Customer Support XXXX XXXX XXXX XXXX, FL XXXX Dear Synchrony Home Customer Support, I hope this email finds you well. I am writing to request your assistance in resolving a recent issue regarding a late payment and negative credit reporting associated with my account. I have been a valued customer of Synchrony Home since XXXX, and I have always strived to maintain a good payment history with your company. 



Unfortunately, due to unforeseen circumstances, I encountered a significant challenge that affected my ability to make a timely payment. I contracted a documented case of XXXX, and as a result, I have been recovering from the illness over the past few weeks. This has caused a disruption in my usual routine and created financial difficulties during my recovery period. 



I would like to bring to your attention that federal laws, such as the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and subsequent legislation, have provided protections for individuals impacted by the COVID-19 pandemic. These laws encourage understanding and flexibility in accommodating payment delays due to documented cases of illness. 



Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and creditors ensure the accuracy and fairness of credit reporting. In light of my extenuating circumstances, I kindly request that you reconsider the late fee associated with my account and remove any negative credit reporting that may have occurred as a result of this isolated incident. The FCRA encourages creditors to make reasonable accommodations for individuals facing temporary hardships beyond their control. 
I want to emphasize that I value my relationship with Synchrony Home and have always made timely payments in the past. As evidence of my commitment to resolving this matter, I recently made a payment of {$500.00} towards my account, and I plan to pay off the remaining balance in full before XX/XX/XXXX. 



Considering my situation and the applicable federal laws, I kindly request your understanding and assistance in resolving this matter. If necessary, I am more than willing to provide any additional documentation or information that may support my case further. I hope we can find a solution that is mutually beneficial and preserves our positive business relationship. 



Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution. 



Sincerely, XXXX XXXX Last 4 of SSN : XXXX XXXX or XXXX New Phone Number : XXXX
Consumer complaint received 2022-11-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$17000.00}
Consumer complaint received 2024-03-02
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting act Kohl 's Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I got a call on XXXX from MoneyGram fraud his name was XXXX he stated over a month I have been sending myself money. I said I did not use there services nor did I authorized anyone to use my cards. He stated that there was around {$23000.00} done. I asked why it took so long to call me he could not answer that it was just flagged. I was told to call MoneyGram to put in for the dispute. XXXX marked them as fraud. I called and spoke to a man he said MoneyGram did not call me. I said XXXX told me the account was closed he then looked into and it was closed like XXXX told me he was going to do. Then he transferred me over to XXXX I explained I need the ref number so I can do the form. She did not give it to me she told me to check other. Today on XXXX I called MoneyGram and said I need the ref number they refuse to give me to file the report to dispute these transactions. I explain to XXXX my identity was stolen I did the FTC report. And my phone was stolen meaning hacked. I have been told by my mobile carrier that my phone was hacked and there was a dual SIM card on it. Which my mobile carrier does not offer. I was told I need a new phone they have the iemi number. MoneyGram is not allowing me file a dispute.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital systems LLC, is trying to collect a debt that is 5 years old in the amount of {$740.00}. The company is reporting that it was opened during the 2022 in XXXX. They are also trying to collect debt in a state that are not licensed in. I have submitted 3 disputes which all have went ignored and unchanged. 
I have never revived any letters from this company, I have not provided any proof to this company for them to verify anything. Everything theyre reporting is erroneous information.
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX I reached out to community Bank to resolve credit card issue. I informed them my balance was paid in full on XX/XX/2023. I paid XXXX. I was unaware there was 1.39 % interest being charged since I had paid my account in full. It did not calculate until the end of the cycle. The fee was waive and I paid {$5.00}. I requested my account to be closed to avoid any future unknown costs. 

I requested that because my account was paid in full it be removed from my credit report.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection Account XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXXXXXX - Collection Account XXXX  XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX - Charge Off Account XXXX  XXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (FL)

I contacted XXXX concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank/Wayfair have continued to violate my consumer rights. on XX/XX/2022, I notified them of the insufficient evidence provided to validate a debt. They have also continued to communicate negative information to my consumer after I informed them to cease communication through all mediums. In addition, they also sold my account to another person without my consent, and I received no benefit from the transaction.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We are living in times where I feel that regulators are watching but not really taking action. 

It's past time for Citizens Bank to receive a big fine. Let 's wake up to make the bank fix it? 

Another mailer sent directly to me ( name and address ) with a promotion to open a checking account. 

Just like in complaint XXXX, this new promo code also shows up as invalid after entering ALL my information. Initially the website accepts it, but after providing all my information including SSN, it says the promo code is invalid. 
Citizen 's reply to the previous complaint was simply absurd, saying the promo code was applied. Of course it wasn't, how am I going to continue the application when the systems tells me that the offer is invalid. 

New mailer and website screenshot attached. 

So why their website is showing it as invalid, and inviting me to continue to open the account without any promo code attached? Very convenient for the bank to allow you to be a new customer and not pay the bonus. 

I consider this to be a scam by Citizens Bank. 

It is FRUSTRATING to see regulators allowing this repeated offense. 
I need to use all caps : PLEASE, PLEASE, PLEASE wake up and show Citizens they can't be that careless or scammers. It's your country, don't you want to make irresponsible businesses like Citizens to either fix their problems, or shutdown? You won't help the country get better if you keep allowing irresponsible banks to operate like that.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with XXXX, Experian, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on one or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only 24 % of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with 0 % of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly 80 points in the last 2 months. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all three credit bureaus. I would also like my excellent credit scores to be restored immediately.

Thank you for your time and consideration.

Sincerely
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXXXXXX 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  ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ; XXXX - XXXX XXXX ;
Consumer complaint received 2024-06-02
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: AMERICAN EXPRESS COMPANY (PR)

We bought through American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX One of these tickets was for my daughter for my wife and me. My daughter 's ticket was bought with a previous credit that i have with Amex Travel Center and part of it was paid with my American Express, The tickets were confirmed and when we arrived at the airport to take our flight, the airline told us that my daughters flight ticket was suspended because American Express chargeback the flight ticket. We called the Amex Travel Center to resolve this issue, but they did not resolve it. It's important to mention that American Express never notified me about the chargeback, neither Amex Travel Center. We missed our flight and all the expenses we have for this travel that include hotels, tours, train, and other flights.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I received a piece of mail from a collections agency saying I had been turned over for collections by Synchrony Financial. I was confused as I am up to date on that loan. I called Synchrony and they told me that they did not turn me over and that I was current on my loan. 

This game debt collector had my address and the exact balance that was due last month,
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I am in receipt of United Revenue Corporations letter informing me that they are handling the collection of the account # XXXX for {$1900.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between United Revenue Corporations & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. 

I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate United Revenue Corporations claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and United Revenue Corporation continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in United Revenue Corporations letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CT)

XX/XX/2019 My vehicle loan was paid off early. I had acquired XXXX insurance. I never received the balance that I was charged on the loan. Contacted Wells Fargo and they said they're not responsible for the balance.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I went to pump gas and my card decline so when i went inside the gas station the gentleman was able to run it for 10 dollars. I went to the store next to gas station to purchase a item and my card was decline. I called bank of america to see what was going on and the lady i spoke to said my card was freeze. she went ahead and unfroze the card not realizing that someone in XXXX XXXX  had just run a transaction to see my balance. So later that night I tried to make a purchase and was declined. They took {$880.00} and I have bills to pay tomorrow and they said I have to wait into the XXXX. I made a police report and also I'm going tomorrow to the bank where they made that transaction to see the cameras. thanks for your help
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One took a {$630.00} unauthorized payment from me XX/XX/23. Autopay for that account was canceled in XXXX. They refuse to refund me and their actions have put me into financial distress.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After many attempts on disputing inaccuracies on my consumer report the XXXX  reporting agency claims that they verified these accounts as accurate when these companies have not investigation properly. Transunion has on the FOLLOWINGS account : XXXX XXXX # XXXXwhich states charge and has a past due balance reporting {$1300.00} XXXXthere shouldn't be a balance if the account is charge off .with the last payment made XX/XX/2020 XXXX is also reporting a chatge off with a past due balance of XXXX which should not have a balance reporting and states my last payment was XXXX XXXX XXXX with a incomplete payment chart that is missing XXXX  months of payment history. 
XXXX has an incomplete report that missing payment amount date of last activity, payment amount high credit, the date of first delinquency showing XXXXwhen XXXX  show payment made XX/XX/2020 also missing high credit and the amount balance which that it should not have a balance amount.these are all inaccurate data on my report thus has been frustrating. For these companies to lack on proper investigation