davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank is the Bank holder of many different credit cards I didn't know they owned. I have 4 credit cards with them. Out of nowhere they closed 2 of my accounts and lowerer my credit limits on all 4 cards which are the only ones I have. They are all with them. The reasons they are giving for why they did this is false and my payment history is 100 % and I have never had a late payment. This company dropped my credit score XXXX points and ruined my scores and life. I am going to get a lawyer to sue them. They also say theres info on my report that is not there and they made it up. The credit reporting company says what their saying is false and not on my credit report. They also say my credit is too new well guess what its all with them before that I used cash and not credit. And they my {$2600.00} debt is too high on a total house income of {$60000.00} which is ridiculous. They need to take responsibility for the lives they are ruining. They have a better business score of 1 star and XXXX complaints. They should be shut down.
Consumer complaint received 2022-12-26
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: SANTANDER HOLDINGS USA, INC. (FL)

Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (MD)

I returned some CPAP supplies to XXXX XXXX XXXX XXXX back in the fall of XXXX because I no longer needed them. I was told by a company representative in early XXXX that I no longer owed money on these supplies after I was repeatedly sent invoices for the supplies I had already returned. After that I kept getting invoices for the returned supplies despite my contacting company representatives about the amounts ranging from {$25.00} to {$40.00}, alleging that the only items I returned were XXXX nose masks when I actually returned all items in the shipment ( there weren't XXXX nose masks in the shipment ). Despite my protesting the charge for the above-mentioned reasons my account was turned over to debt collection. I wrote the debt collection company and was told I needed to contact the medical supplier in a response to a letter to them.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (MD)

My name is XXXX XXXX. I had a debt with XXXX for approximately {$820.00}. I called them for a settlement and they explained that this account has been sold to CBE Collections Group. I called CBE and received a settlement offer for {$410.00}. This amount was paid and settled on XX/XX/19. I need a letter from CBE with confirmation of payment according to settlement offer. Im unable to get same. CBE referred me back to XXXX who refuses to give settlement letter, because they apparently still owns account despite selling and refuses to now accept payment of settlement and demands full payment before letter can be issued. All attempts have failed to get XXXX to cooperate with settlement offer.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to bring to your immediate attention a pressing issue regarding the inclusion of charge-off accounts on my credit report, despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the removal of these accounts and restore the accuracy of my credit history without further delay. 

Despite submitting disputes, the charge-off accounts on my credit report persist. This situation is causing undue stress and negatively impacting my creditworthiness, which is of utmost importance to me. 

I have attached supporting documentation, including previous dispute submissions and any pertinent evidence, to facilitate a swift resolution. 

Recognizing the significance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am requesting your immediate intervention to expedite the removal of these charge-off accounts. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift removal of these charge-off accounts from my credit report. 

Timely resolution is crucial, as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I was scammed through facebook of the group page XXXX XXXX XXXX XXXX for adoption. I was offered to be delivered a puppy with the charge of total {$1300.00}. The adoption fee is {$800.00}, deliver fee is {$100.00} and the insurance is {$500.00}. I transferred the money with XXXX to the person name Et XXXX XXXX and XXXX XXXX. Their email are XXXX and XXXX There are total of 3 transactions on XXXX XXXX and XXXX XX/XX/2022.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AL)

I literally just received a notification from XXXX that there was a change to my report due to Midland Credit Management. When I check on what it was it stated a collection for something called XXXX XXXX. I have not received any prior notification from Midland Credit Management. I did not receive a letter that gave me the opportunity to dispute or anything. THIS IS ILLEGAL. YOU CAN NOT JUST POP UP OUT OF NO WHERE ON PEOPLE CREDIT LIKE THIS IS A GAME OF JACK IN THE BOX OR PICK A BOO AND THINK IT IS OKAY ... ITS NOT ... .I AM GOING THROUGH ENOUGH AS IT IS FROM XXXX XXXX XXXX OUT OF NOWHERE I AINT GOT TIME TO KEEP TRYING TO HAWK MY CREDIT REPORT BECASUE OF PEOPLE LIKE YOU .... IM REALLY FEELING XXXX XXXX DUE TO THIS.
Consumer complaint received 2023-07-20
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: CITIBANK, N.A. (CA)

I rented a car through XXXX when I visited XXXX on XXXX. I was charged for damage to the car I did not cause. I have a picture of the damage prior to getting in the vehicle and it is timestamped to show that it was prior to the rental. After returning the vehicle I mentioned the damage and how it was there prior but the rental staff did not do anything about it and I went on my way. A few days later I noticed a charge on my Citi credit card with a charge for the damage that I did not cause. I first reached out to XXXX as it was there issue and not CitiBanks. However they did not respond they claimed I caused the damage and were not helpful even though I had proof. After reaching out to XXXX I decided to go through CitiBank and dispute the charge in hopes that they would ask for my evidence. However they only reached out to XXXX XXXX to get there side of the story and closed my dispute without looking at my evidence which clearly proofs I was not at fault. The total amount charge for this incident was {$170.00} and was charged under the name of XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

On XX/XX/2023 I called Fair Credit Sourcing to set up a payment arrangement for a debt ( I've disputed the amount several times ) I owe to XXXX XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX. I explained numerous times that I'd like to set up a monthly payment arrangement. I informed her that I am facing a slight housing crisis : I'm currently renting a room for {$2100.00} ( Please see month to month to month lease attached ). 
XXXX XXXX then told me my options : A : pay XXXX today B. pay {$2900.00} today I then explained that I'm trying to move into a new apartment XX/XX/XXXX, in which the landlord is requiring first month, last month, and a full month of security, therefore at this time I can not afford either of the options. I then requested to pay {$200.00} per month, to which she scoffed, and repeated several times : " This balance is {$29000.00}! we can not set up a payment arrangement for such a small amount ''. I explained my situation again, and informed her that's all I can afford at this time. I'd like to set up a payment arrangement to at least show my good faith to potential landlords. To which she replied : " you can not delete this off your credit, we ae the only ones who can delete it, because we put it on there! ". At this point she became very confrontational, and argumentative, and I told her let me worry about my credit, I'm calling her to set up an arrangement, if she is refusing, I will alert the credit bureau, as well as file a complaint. She continued about having authorization over my credit, and I asked to speak with her supervisor. I then spoke to a very nice gentleman by the name of XXXX XXXX who explained to me the lowest payment arrangement they could set up with me was {$1000.00} per month. I told him exactly what I told XXXX XXXX, and told him what I could afford. He refused, and we hung up. 
I am in disbelief that I made attempts to show good faith, and set up a payment arrangement, and because it's not the amounts FCO is demanding, they're allowed to refuse an arrangement. They're attempting to ruin people 's livelihoods. It's not enough the amount reported is GROSSLY exaggerated, they refuse to assist a consumer trying to clear up a debt.
Consumer complaint received 2023-07-20
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: JPMORGAN CHASE & CO. (GA)

XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/2023 JPMCB - AUTO FINANCE XX/XX/2023 XXXX XXXX XX/XX/2023 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 _______________ XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Consumer complaint received 2022-12-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (VA)

15 USC 1681b Permissible Purpose AD Astra Recovery Services Inc failed to provide signed copies of agreement between all parties. 

AD Astra Recovery Services Inc is not licensed in Virginia to collection debts.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Refer to CFPB complaint XXXX for background with my issues with USAA. 

As a result of their admission of fault in the result of cancelling my accounts without merit, I discovered they reported an open credit card account for the month of XXXX. 

Referring to the response from USAA on CFPB complaint XXXX : " XXXX XXXX, XXXX staff facilitated a re-review of the decision to discontinue doing business with you. It was determined that the decision was made in error, and steps were taken to reverse the actions taken and the restrictions were removed. We addressed the identified opportunity with the individual involved, to ensure appropriate handling of similar situations moving forward. We regret any frustration you experienced. '' If you refer to the CFPB complaint, you will note that I was informed ( apparently ) on XX/XX/XXXX by " XXXX '' that my accounts were closed. I learned this in a call with the Office of the CEO on XX/XX/XXXX - check the call recording. This was in the notes of the action made by " XXXX  '' when she went to cancel me. In the attached document, you'll note the credit card was opened in XXXX, after I was cancelled by " XXXX '', yet the result from the CFPB complaint was in XXXX. 

I have never used this account, did not have access to it, did not activate any cards with the account. 

I've tried to dispute this invalid credit card account via the Credit Bureaus, and so far XXXX has reported that USAA has rejected this as " open '' still. At the same time that I closed the checking/savings account, I also asked to close this " ghost '' credit card account. 

I have been rejected for new credit cards from other institutions because of this " ghost '' account showing on my record. 

My credit score has dropped XXXX points as a result of these action ( s ) by USAA and the unjust retribution actions by employee " XXXX  '', with USAA falling in line with those actions until CFPB complaint XXXX was filed and those unjust actions reversed.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

On XX/XX/XXXX  chime bank closed my Account for no reason. I had a remaining balance of {$620.00}. I was supposed to receive a check for that balance within 30 days. I patiently waited. It is now XX/XX/ and chime still has not sent me my check. I need my money asap, I have bills to pay.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SD)

XXXX days ago ( XX/XX/XXXX ) a transaction announcement came across our phone notating that a transfer was happening from the Venmo account connected to my wife 's XXXX business that money was being transferred to a debit card. As neither of us had initiated such an action, we investigated immediately and discovered an unauthorized card fraudulently connected to the account. Venmo Account name : @ XXXX Steps were immediately taken to remove the fraudulent card and change password access to the account. 
After further investigation, XXXX fraudulent charges were discovered attached to the same unauthorized Visa Debit card originating from XXXX XXXX. XX/XX/XXXX {$250.00}, XX/XX/XXXX {$110.00}, and XX/XX/XXXX {$130.00} A second unauthorized XXXX was also found. It had somehow been added and removed before detection. XXXX transactions. XXXX {$160.00}, and XXXX {$140.00} The Venmo account of ours in question has been used successfully over hundreds of transactions up until these transactions An important distinction is to note that all authorized transfers from this account have had the XXXX option selected ( to avoid the instant transfer fee ) and yet all XXXX fraudulent transactions had the " instant '' option selected. 

Contact was made immediately with Venmo. The representative stated that such fraudulent transactions were not possible, and that these transactions must've been initiated by us. They were not. This assertion by Venmo staff is not only erroneous and unprofessional, it is also insulting. We were informed that a supervising account representative would be in email contact with us soon. So far no such contact has happened. 

It is our hope to receive aid in recovering lost funds and be informed as to how such unauthorized transactions could occur with an account so closely connected to our banking and business institution.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

date of XXXX total amount XXXX I have extended my credit using my open end consumer credit plan under 15 U.S code 1602J to this fifth third bank and I have not received no benefits. furthermore I have rescission the contract for the failure to notify me of my right to rescind a transaction subject to rescission by not delivering two copies of the notice 12 CFR 1026.23. violation under TILA 15 U.S Code section 1605.

after sending the notice by mail to the CFO I have countless calls from the bank harassment me to make payments after time and time again to let them know to stop calling me now i have no choice to star making complaints to federal agencies and state attorney general. they fail to repossess the automobile after 60 days of they receiving the notice of rescission.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I reported unauthorized charges on my account to Citizens Bank. These unauthorized charges caused my account to overdraft. After about a month Citizens Bank returned my funds but refused to waive the overdraft fees. The total was for {$70.00}. They have lied to me multiple times and told me that they would waive the overdraft fees but still refuse to do so.
Consumer complaint received 2022-12-27
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. (FL)

I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 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 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (FL)

I purchased exercise equipment from XXXX on XX/XX/XXXX and charged it to my XXXX account ending in XXXX. Shipment was delayed for the equipment, so I CANCELLED the purchase on or about XX/XX/XXXX because I HAD NOT received the equipment. 
Sometime in late XXXX, I received phone calls from XXXX requesting payment. I advised them that the account balance should be XXXX as I had cancelled the transaction and never received the equipment. Although, the representative was amicable, documentation must have been overlooked, because I have received repeated calls from XXXX requesting payment for a purchase that I never completed and am being threatened with late fees and negative credit bureau reporting. I provided XXXX the Cancellation Confirmation number form XXXX and advised them that XXXX told me that the return would be processed on or around XX/XX/XXXX. 

I am most definitely planning on reporting XXXX XXXX lax return processing tactic to the appropriate agency, but at this time I need XXXX to STOP harassing me for payment on a credit line that has XXXX balance. The Cancellation/Return Confirmation number provided by XXXX is XXXX. I am expecting that the amount due on the credit line will be XXXX and NO late or processing fees will be added to inconvenience me. In addition, I am expecting that NO negative reports be made on my credit file as I DO NOT OWE monies for equipment that I did not receive. These two merchants should have better communication protocols between each other that do NOT include harassing and inconveniencing consumers.