davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MS)

I WAS ASSIGN AS AN AUTHORIZED USER ON TWO ACCOUNT WITH SYNCHRONY BANK, ONE WAS XXXX IN XX/XX/XXXX & XXXX XX/XX/XXXX. WHEN I REPORTED THE XXXX OF THE PRIMARY ACCOUNT HOLDER I WAS TOLD THE DEBT WAS MINES AND I WAS RESPONSIBLE. LOOKING BACK ON THE MY CREDIT REPORTS XXXX (  {$4100.00} ) IS LISTED AS AUTHORIZED USER WHICH TO MY UNDERSTANDING SHOULD HAVE NOT BEEN LISTED AT ALL ON MY CREDIT REPORTS AND LATER THEY LISTED IT AS A JOINT ACCOUNT, AND XXXX ( {$3200.00} ) IS NOT LISTED AT ALL UNTIL AFTER HIS XXXX. I HAVE PROOF OF DOCUMENTS AND REPORTS. WHICH I HAVE BEEN SUMMONS TO COURT.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the XXXX data breach.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX, 2017, XXXX XXXX, XXXX placed a collection account on my XXXX and XXXX credit report. The account is from XXXX XXXX in the amount of {$410.00}. I disputed this same account approximately 4-6 months ago as not being liable for the account due to fraud. The account was removed via my dispute but has now been sent back to XXXX and XXXX credit reporting agencies and placed on my reports once again. I 've attempted to dispute with the credit bureaus, but have not heard anything as of yet. This is week 3 without a response. I am asking for your help. Thank you.
Consumer complaint received 2022-06-19
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: GOLDEN 1 CREDIT UNION, THE (CA)

account balance have to be XXXX balance somebody used my card without my permission, card stolen bank ignoring my dispute never fix it, I'm not responsible for all charges on this credit card
Consumer complaint received 2023-10-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I traveled to XXXX on XX/XX/19 and thats when the transactions started being flagged as fraudulent. This is the second time now that Capital One has shut down my card when I was out of town. Capital One declined my pre-authorization for an XXXX ride from the airport to home on XX/XX/19 leaving me stranded at the airport. 

I need them to understand I travel and they can not shut down my card every time I am more then XXXX miles from my home. Last time it resulted in my account being closed and it took months to resolve. I understand they are trying to protect me from fraud but I can not have my account flagged as fraud just because I am out of town. 

Please mark my account profile as someone that travels and stop shutting down my account, its very annoying and embarrassing to have your card declined and flagged a thief.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section602 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 or inquiry on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION (AZ)

Because Automotive Credit Corporation keeps XXXX documents they lost a payment of mine And repossessed my car early XX/XX/XXXX of this year. I had to pay {$1800.00} to get it back. I was told next payment was XX/XX/XXXX which should have been due XX/XX/XXXX. Unbeknownst to me since I got my repo car back on XX/XX/XXXX, the new due date became the tenth so on the XX/XX/XXXX I began getting calls. I called on XXXX and informed of the change. The most cost effective choice to minimize processing fees was to arrange an electronic fun transfer on my Next payday XX/XX/XXXX to cover two payments totaling {$700.00}. Woke up XX/XX/XXXX to car being repossesses from my back yard. I called and showed receipt and they said they voided the ECT payment cuz they had no record of my call though they had record of payment arrangement and I emailed a screen shot image of my call and call time. They refuse to correct this and say I owe {$1000.00} and now need a cosigner to get my car back or property out of my car.
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

We refinanced the house we live in XXXX XXXX XXXX XXXX, Arizona XXXX in XX/XX/XXXX with a company called Freedom Mortgage. It was then at 6.75 % interest rate and a fixed monthly payment. Immediately the payment began to increase so I began to research and investigate why. Freedom Mortgage said it was our escrow which we have evidence it was not. In the summer of XX/XX/XXXX we tried to refinance with XXXX XXXX XXXX as they were our home owners insurance and they said it could be done at 4 % interest rate. It did not happen as they stated Freedom Mortgage made it very difficult and at this time by there word we were now two payments behind. We caught up and paid Freedom Mortgage {$4300.00} in addition to the then payment. Freedom Mortgages stated to us that they sent it to a Loan Servicing company yet every single month we got statements from Them and made the payment directly to them. In the fall of XXXX they changed the account number and it has been a nightmare ever since. We have made the payments and I have copies of all the checks they deposited but not accounted for. They send us statements with amounts of funds placed in an " unapplied fund '' account. They have hurt our credit stating we are almost {$9000.00} behind. They tried to modify lowering the payment to {$590.00} for 3 months but wanted a new signed contract at 6.75 % and 30 years. Now they are threatening forclosure and we are claiming criminal charges because they got funds for months, say we have not made payments, forced us to hire lawyers that we do n't get any feedback as to their assistance but call demanding the payments. Oh we are besides ourselves. We want to get away from such a corrupt mortgage company. WE have contacted you before and they seem to do a pretty good job at lying to you as well when I have boxes and boxes of the evidence. HELP us please. Please file criminal charges against them for keeping money and not applying it to our account. Please file charges for promising they themselves would refinance at 3.5 % years ago and ignored the packages of paper information they requested I send to them stating, " we will get to it when we can ''. Please file charges against them for threatening and intimidating because they can. HELP US please.
Consumer complaint received 2022-05-30
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)

account numberXXXX according to the fair credit act account number XXXX has violated my rights, 15U.S.C 1681 section 602 A.States i have a right to privacy. 
15 U.S.C 1681 604 A section 2 cosumer agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-30
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. (FL)

account numberXXXX according to the fair credit act account number XXXX has violated my rights, 15U.S.C 1681 section 602 A.States i have a right to privacy. 
15 U.S.C 1681 604 A section 2 cosumer agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (TX)

I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/2022. On XX/XX/XXXX and XX/XX/2022, I erroneously paid twice the same amount of {$500.00}. XXXX Please see attached copy of my TJX Rewards statement. 
When I realized the error, I contacted my bank, XXXX XXXX, XXXX, TX, and the bank reimbursed me the amount of {$500.00} that I paid twice. 

Later that day, I noticed that I had another {$500.00} charge on my credit card. My bank only reimbursed me once the {$500.00} that I paid twice. As you can see on my statement, there were no additional purchases for {$500.00} made on my credit card to justify the additional charges. The only purchases for {$96.00}, I paid and canceled my credit card all together. 

At this time, I have completely paid off my TJXX Rewards Platinum Mastercard, and I dont owe anything to your credit card company. I also would like to add that I have a perfect XXXX  score of XXXX points.
Consumer complaint received 2022-12-18
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-19
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. (VA)

To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD and Regulators of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of XXXX XXXX XXXXConsumer Financial Protection Bureau XXXX 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
XXXX XXXX XXXX adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with XXXX XXXX XXXX. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
XXXX XXXX XXXX representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the XXXX XXXX XXXX react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of XXXX XXXX  XXXX with a stellar payment history and never posed a risk to the institution or its operations?
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

Charge of {$7500.00} was processed by the company in XXXX of XXXX, charge was shown twice on the company statement ending XX/XX/XXXX. Total of {$6400.00} payment was made. The company never applied the payments and continued to demand payments with late night calls and threatening telephone calls to my home and workplace. A lot of the calls were placed out of the XXXX. To the best of my knowledge the company never updated their billing statements to me to apply the payments only updated the statement to show interest charges and late fees. 

I have been a cardholder with this company starting in XXXX I have never missed a payment nor late with payments. 

I called the company sent emails and wrote letters seeking an explanation only to receive more threating telephone calls and letters.
Consumer complaint received 2021-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revolution Financial Inc. (FL)

I have reason to believe the practices of this company are unfair, deceptive and fraudulent and violate my rights under the 5th amendment. They claim they owe a debt but havent delivered to me upon my request a instrument of indebtedness. The original copy of the instrument I signed in which I owe a amount. There are inconsistent reports on my credit report and this calls for a investigation. I sent XXXX XXXX XXXX XXXX a offer to settle collections accounts under the policy number : XXXX This document was sent certified mail on XX/XX/2021 requesting the original instrument of indebtedness in its original form. Please I would like to investigate the matter to see if they are fairly and appropriately handling my information
Consumer complaint received 2017-07-28
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. (NV)

I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.
Consumer complaint received 2022-05-30
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. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX