davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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: SYNCHRONY FINANCIAL (TX)

I recently received XXXX  XXXX, and as part of financing, a CareCredit card was issued to me by Synchrony Bank. The sales associate emphasized the 0 % APR for 3 years, so I used this option instead of paying cash. 

I have the account set up on autopay, so 6 months pass until I see an end of year statement where my balance hasn't been reduced as expected. I log in to see a reoccurring, $ XXXXmonth XXXX XXXX XXXX XXXX '' line item, along with purchase interest on the {$60.00} each month. At no point was a " XXXX XXXX Fee '' mentioned to me. 

I call " XXXX XXXX  '' and eventually they agree to cancel this service and refund the {$300.00} I have been charged, but refuse to provide me with a confirmation email. 

I call Synchrony Bank and they refuse to issue a chargeback for the {$300.00} fee, and will not refund the purchase interest of {$17.00} that has been charged on this monthly " XXXX XXXX Fee '' I would like to point out that this is particularly nefarious, because if I had failed to notice this fraudulent transaction, my automatic payments would have fallen short of the initial purchase balance, resulting in me being charged 3 years of credit card interest ~ ( {$2100.00} ) on my initial principal ( {$3700.00} ). In addition to being charged a card security fee of $ XXXXmonth for 3 year of {$2100.00}, this means I would have paid an effective interest rate in excess of 35 % on my " 0 % APR '' card. 

At this point, I'm not sure who is at fault here ; Synchrony, XXXX XXXX, or the salesperson at the XXXX center who signed me up for the the card. But these appear to be predatory and fraudulent behavior.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received a email from Citibank today, dated yesterday stating they closed my account for inactivity, and that the only way to reopen the account is by having my credit rechecked ; which is okay if I wanted a new card, but I do want a new card. It would be unwise for me to allow them to recheck my credit, because they failed to notify me in advance of the closure, and did not give me the opportunity to keep it open. Apparently, they did not want my business. My XXXX XXXX had not been used per their CS rep. ( XXXX ) and Manager ( XXXX ) in the last 25 months. I explained to them both, that I was not aware of that, and that they never notified me in advance to give me the opportunity to keep my account active, which was unfair. So, they both stated it was part of my contract, and in my contract that they could close my account. But, I know it would be proper procedure to notify the customer in advance about the potential of closure of my account, which did not occur ... furthermore, I am listed as a paperless/green customer in their records. No email received about closure without giving the opportunity to use the card is unfair. What fool with allow credit card customers to recheck their credit because of the credit card unethical business practices, I am not a fool. But, I wanted to alert you of their unethical business practices, because someone who might depend on their credit cards is being treated unfairly. I have a excellent credit rating, and thank God  have always had a good credit rating. So, this is just water under the bridge for me. Customers that keep their credit cards at XXXX balance every month should not be penalized, especially for unethical business reasons.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (VA)

The rebuttal provided by the company fails to adequately address the central issue at hand, namely the imposition of liability upon myself for business-related debts attributable solely to the proprietorship of XXXX XXXX XXXX This assertion finds its basis in the evidentiary documentation submitted by XXXX XXXX and his legal counsel to the Virginia court, which unequivocally delineates the ownership and responsibility for said debts. It is imperative that due consideration be given to the legal clarity established therein, and that any subsequent correspondence or actions by the company reflect a commensurate acknowledgment and adherence to the legal delineation of responsibilities as stipulated by the aforementioned court documentation.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming i am not who i say i am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. I have received a bank statement and contract with my alleged signature attached from XXXX XXXX XXXX XXXX .i am not denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from XXXX XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes
Consumer complaint received 2020-03-06
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. (AL)

I sent a request to XXXX/Transunion/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (AL)

I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with TRANSWORLD SYSTEMS INC. All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who TRANSWORLD SYSTEMS INC is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

Innovative Recovery, Inc. reported on my credit reports a {$340.00} balance allegedly due for a former apartment I lived in and moved out of two years ago. I have never received written notification of this debt and have disputed the collection accounts with one request to validate the debt. All three credit bureaus have failed to remove the debt, citing that they " verified the debt belongs to me ''. I am asking for Innovative to either provide me the written verification or remove the entry.
Consumer complaint received 2022-12-25
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: Nelnet, Inc. (PA)

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named Nelnet. The reason for my initial dispute with this company as well as XXXX, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to Nelnet, XXXX, XXXX and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by Nelnet and XXXX and deemed as accurate. My question to Nelnet and XXXX is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.
Consumer complaint received 2018-01-22
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: EQUIFAX, INC. (CA)

I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (KS)

On XXXXXXXX XXXX  we changed insurance and canceled the insurance on XXXXXXXX XXXX  now bsi has not changed my insurance information to back to XXXX XXXXXXXX XXXX they still have travel insurance that we dont have
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.
Consumer complaint received 2020-03-06
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. (NV)

sent ftc violations experian and XXXX i XXXX  XXXX XXXX XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Applied for a credit card with discover. Was asked to send a copy of bank statement and copy of social security. I complied and sent them a copy. I call back and was told I was approved for a XXXX line of credit. I was told the card will be in the mail 7 to 10 days. I recieved a call prior to getting the physical card in the mail. The woman stated my card has a hold in it. I need to check my email and sign a form sent to me by doc you sign. Once signed the hold will be lifted. When I read the document it was an irs form checking my tax returns for XX/XX/XXXX and XX/XX/XXXX. I called discover card back I advised them i have not filed taxes i marked on my application retired and i marked other for income. I was told i must sign and return the form and it's ok it i haven't filed taxes it's just for identity purposes. I signed the doc you sign form online and waited. Today me and my granddaughter called Discover card and was told my account has been closed. When asked why they refuse to state. I feel discriminated against based on my age. My credit score is very high my income is high and there is no such reason to now deny me its because I'm XXXX years old and this is the real reason they closed my account. I never even activated the card they blocked me for no legal reason I'm so upset.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 2020-12-30
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. (IL)

I reported to The three major credit bureaus ; Transunion, XXXX  and XXXX  that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX  and Experian are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing.

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/15, I called the company to close a credit card account with them. They received my closing information and closed the account. I then just sent them a message today and they still have not reported it to the credit bureau nearly 4 months later. Recently with a separate credit card with this company they did the same thing and didn't report my updated balance for months. I filed a complaint with CFPB and they finally updated it. 

Each time they are saying that they " updated their systems '' and they have not reported any and will not till their internal processes are complete. It's not my problem that the company is updating their systems. I want my account that I closed with them to be reported correctly to the credit bureaus ' that's all I'm asking.
Consumer complaint received 2020-03-06
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. (GA)

XXXX, Transunion and XXXX are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

SOMEONE MAY HAVE USED MY PERSONAL INFORMATION TO RENT AN HOUSE IN XXXX FLORIDA. THERE ARE SOME MISTAKES THAT CAN HELP THE CREDIT COLLECTOR TO SEE THOUGH THIS SCAM FOR WHAT IT IS BUT THEY REFUSE TO REMOVE THE ITEM FROM MY CREDIT. 
1. NEVER LIVE IN THIS ADDRESS AND NEVER SIGN ANY LEASE IN PERSON OR ONLINE. 
2. MISSPELLING MY FIRST 3. NOT MY SIGNATURE ON THE LEASE AND I DON'T KNOW ABOUT IT. I'LL SUMMIT MY MORE PROOF ON YOUR REQUEST. 
Creditor : XXXX XXXX XXXX XXXX Credit collector : Fair collections & outsourcing Account # : XXXX.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.