davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I have received several phone calls and mail correspondence indicating that I have a debt to XXXX for {$460.00}. However, when I contact the collection company and provide the last 4 digits of my SSN, they say it is not found in their system. This leads me to suspect that they have the wrong XXXX XXXX, as I am a long standing paid customer of XXXX with no monies owed. Since the collection agency can not find my SSN in their system, they are unable to modify the debt in their system. 

Collection Agency Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX File Number : XXXX Amount {$460.00}
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Consumer complaint received 2020-04-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched statement of XX/XX/XXXX OTHER CREDITS {$2.00}, XXXX. 
( - ) subtract merchants credits of {$910.00}. LEAVES {$1.00}, XXXX FRAUD CREDITS NEVER RESOLVED?? WHY?? See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( USAA DID NOT COMPLETE THIS INVESTIGATION FOR 9 MONTHS. ) UNAUTHORIZED TRANSACTIONS OF {$470.00} And this iIS THE * ONLY COMPLETED INVESTIGATION RESULTS USAA NOTIFIED ME ABOUT. WHY?? What was the RESULT of ALL THESE BEGINNING FRAUD INVESTIGATIONS CREDITS USAA BEGAN XX/XX/XXXX. 
TOTAL {$1.00}, XXXX?? USAA DOES NOT INVESTIGATE FRAUD.
Consumer complaint received 2022-12-29
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. (DE)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX ) XXXX Balance : {$91.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$73.00}
Consumer complaint received 2020-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Contacted Bank of America on XX/XX/XXXX after receiving email about unusual activity on my credit card for amount of {$99.00} XXXX XXXXBank of America puts fraud despute on wrong transaction ( XX/XX/XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$10.00} ) .Called back 4 times, was on hold 30-45 minutes every time, fraud specialists told me that they will take care of mistake and credit my account until investigation is over.Bank Of America closed case without explanation or contacting me and I have to pay {$99.00}. 
Transaction Details Merchant Name XXXX XXXX Amount {$99.00} Posted Date XX/XX/XXXX Transaction Date XX/XX/XXXX Ref # XXXX We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 

Do you recognize all of these transaction ( s )? 

Declined transaction at XXXX XXXX for {$1.00} on XX/XX/XXXX Approved transaction at XXXX XXXX for {$99.00} on XX/XX/XXXX Approved transaction at XXXX XXXX for {$1.00} on XX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KS)

I asked Synchrony to remove fees since I was paying what I think was well in advance of the due date of the XXXX of the month. They said I could not make payments prior to their billing cycle which they said was sent to me. My dental uses them for patients with outstanding balances : mind was more than than {$4000.00}, however, there was no interest if balance was paid before a year. I was paying {$500.00} a month.
Consumer complaint received 2022-12-29
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I applied for the Credit card in XXXX got approved. I provided all the documents needed including bank statements. Also received abuse and harassment from the staff. Mr XXXX XXXX messaged me saying you application is almost finalized. He then send me a email saying the jig is up? This credit union has lied to me and mislead me. I got approved for a credit card which was never send to me. Mr. XXXX XXXX has refused to reply to my emails. Also a complaint was filed ( ref XXXX ) in which the case was immediately closed with out any outcome and no investigation. 


I am lodging a written formal grievance to invoke the grievance procedure by reason that PenFed has omitted to recognise its 'statutory duties ' germane to my XXXX. This omission whether deliberate or inadvertent is to my detriment. 
My health and well-being have been affected and continues to be effected due to PenFed relevant failure to observe a duty of care towards me. In invoking the grievance procedure, I am asking PenFed to observe the implied term of 'mutual trust and confidence ', and not act in a manner which would likely destroy, or seriously damage that trust and confidence. I trust therefore, that PenFedwill observe the 'good faith performance and take 'reasonable and practicable steps ' to remedy the following grievances. I trust that that I will not be subjected to a detriment and or detrimental treatment for having exercised my statutory rights in invoking the grievance procedure.
Consumer complaint received 2020-04-02
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. (MD)

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (IL)

I purchased a XXXX XXXX more than a year ago from XXXX XXXX XXXX Illinois. 
XXXX charged over a XXXX extra for GAP insurance.. 
XX/XX/2022, a man coming out of a strip mall hit my XXXX, didn't stop to look. 
He broad sided me, which his XXXX declared the vehicle a total loss. 
They paid XXXX. GAP paid partial getting me for over {$4400.00}. 
.Their claim is XXXX overfinanced. 
Who's fault is that when salesmen are XXXX  out to take advantage of women? 
The money I owe is the interest on the loan for the next 3 years. I'm paying on a car I won't have. 
They are adding more interest and late fees
Consumer complaint received 2020-03-23
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. (CO)

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lateS is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-05-17
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX  ACCOUNT XXXX XXXX XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I created a TransUnion account and logged in on XX/XX/2020 to try to access my one free annual credit report. I looked at different pages on the website, could not find where or how to access my free report, and logged out and left the website. I did not click to purchase anything. 

I then received an email on the same day, XX/XX/2020, with a receipt for a subscription product -- I was billed an initial charge of {$24.00}, and the email says I would be billed that amount monthly. The product I was billed for was " TransUnion Report, Score, and XXXX-Bureau Credit Monitoring. '' I did not purchase this, nor do I want this service. 

I tried calling customer service to dispute this claim on Sunday XX/XX/2020, but their hours are Monday-Friday only. I called twice at different times on Monday XX/XX/2020, and heard an automated message with instructions on how to cancel my subscription by logging into my TransUnion account ( which I did ). Both times I called, I was told by an automated message that no representative was available to take my call. I was not given the option to remain on hold or provide a call-back number, the call was simply terminated both times. 

I would like to dispute the charge of {$24.00} I was billed, since I did NOT purchase this service. Thank you for your assistance.
Consumer complaint received 2020-03-23
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting actXXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX ACCOUNT XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX 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
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020, Bank of America decided to discontinue me as their customer and blocked my access to account and funds. I was given absolutely no prior notice or any warning about any activity that might lead to this conclusion by the bank. We are going through coronavirus pandemic and literally locked at home due to stay-at-home orders by the state of Illinois and the federal government. Me and my wife went to a grocery store and found out at the register that our debit card is not working. I can provide you receipts for denial as well. 

I called bank of America and after 3 hours of wait, somebody answered the phone and told me that bank has the right to close my account at any moment. He also said that for me to access funds, I would have to wait 3 to 5 business days or I would have to call hardship customer line in the morning and explain my situation and they may be able to give me access to funds by the next business day or two. I told them that I need to put food on the table for my family and I do not have any other bank account. At least, give me access to my debit card so that I can buy food and buy medicine for my wife but even the supervisor could not help me because the hardship department that would handle my situation is closed for the day. 

My wife is XXXX XXXX XXXX. She needed food and medicine and bank of America literally snatched our most basic needs from us. I am not sure if it was bank of America 's intent to bring us out on the street and start begging from people sure because that is where we found ourselves on the night of XX/XX/2020. We are in a national state of emergency and our area has been declared as a disaster region by the federal government. I have been out of work for the past 3 months and have not received any assistance as of now. I have very limited funds in my account and the bank stopped me from accessing it. On top of that, I am not sure if any banks are open right now and are accepting new customers so that I can go there and open a new account. In a situation, where it has been mandated by the Federal government to help consumers to the maximum extent possible, bank of America literally waged war on me and my family by blocking access to funds. 

This is not only unjust and inhumane, it is also illegal during the national state of emergency and I want to pursue my case to the highest level possible. What if something happens to my wife and my XXXX XXXX? Bank of America should be brought to justice for this illegal practice so that they are careful next time about committing crimes against humanity.