davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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 (OH)

I was contacted on XX/XX/22 from XXXX in the fraud department regarding some claims that occurred the day before on my JC Penney Mastercard. My card was cancelled, and I was told I would not be responsible for the fraudulent charges. On XX/XX/22, I received 2 boxes labeled XXXX XXXX that I did not order. They appeared to be some type of diet supplements. I called the Synchrony fraud department and informed them of what I received. I was told to return them to the company which I did XX/XX/22. The statement I received dated XX/XX/22 listed the company I received the boxes and returned to as XXXX XXXX. The charges were for {$60.00} and for {$190.00}. I never heard of the company, nor did I ever attempt to purchase from them. The next statement dated XX/XX/22 shows the credits from the company XXXX XXXX for the 2 boxes I returned. {$60.00} and {$190.00}. It also showed 2 purchases from some place called XXXX XXXX ; 1 for {$59.00} and 1 for {$190.00}. I received a letter from Synchrony Bank dated XX/XX/22 stating that since the purchased items were shipped to my address that they would not approve my claim. I only received the 2 boxes and returned them as I did not order them. If I had ordered them, I would gladly have paid for them. I contacted the fraud department again to tell me what merchandise I supposedly received from XXXX XXXX. They said they were vitamins, but they could not give me a contact number for me to call the company. I did not receive anything from XXXX XXXX. I am still being charged on my JC Penney credit card for this XXXX XXXX, which the amounts are similar to what the fraudulent charges from XXXX XXXX were. I was contacted about the fraud from the beginning, but I am the victim of the fraud. I cancelled the new card they sent me on XX/XX/22 when I received the letter from them stating that I was responsible for the charges.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MS)

Online Information Services is now conducting fraudulent credit practices by updating information on my personal credit file without verification of data. Online Information Services has proceeded with fraudulent collection activities. They have added a collection on my credit file for XXXX, XXXX, and XXXX without validating the debt. I sent a letter to validate debt and hippa authorization. Online Information Services never sent back the information I requested. Letter was sent certified mail.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (UT)

I have reached out this Debt Collecting Company I mentioned that I do not acknowledge this debt that they are making efforts collecting on. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

There is lots of inaccuracies with reporting This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if they are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (TX)

The balance shown is wrong on my XXXX credit file is wrong. The account is also paid in full but shows i have a balance of {$1300.00}. They FAILED to report my good payments for the months of XXXX, as the last update was generated on XX/XX/2020. I called them to dispute it but no action was taken.
Consumer complaint received 2023-01-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (OH)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


inaccurate information balances dates has been reported of my credit report SANTANDER CONSUMER USA
Consumer complaint received 2022-11-02
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)

The account status is wrong and this account is NOT IN REPOSSESSION. This account was settled in full for a CASH payment of {$5000.00} ( not collateral ) in XXXX of XXXX Also, the creditor is in breach of contract for mis-applying payments and is deliberately ill-reporting the account out of spite for being caught in their dishonest business practices. Either this account shows as a PAID loan ( as it honestly is ) or this will be going in to litigation.
Consumer complaint received 2022-11-06
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. (MA)

In accordance with the credit fair reporting act XXXX  Account # 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  Has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency connot furnish a account without my written instuctions
Consumer complaint received 2023-05-25
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. (IL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-02
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)

Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

After my XX/XX/XXXX complaint, Mr. Cooper stated their legal department would respond directly to me and has not done so at all. Instead, a local attorney is threatening me with an arraignement, bail and jail time for making my CFPB complaints seeking my " punishment '' in XXXX XXXX XXXX XXXX on XX/XX/XXXX using a never extended expired interlocutory order from XXXX to try to achieve my jailing for making a valid RESPA complaint. 

I need immediate help with this matter.
Consumer complaint received 2024-02-13
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: AMERICAN HONDA FINANCE CORP (NY)

I am writing to lodge a formal complaint against Honda Financial, regarding an issue that has significantly impacted my credit report and financial standing. My customer account number with Honda Financial is XXXX. 

I initiated my relationship with Honda Financial on XX/XX/2023, when I leased a vehicle and was assured by the dealership that automatic payments were arranged on my behalf. I provided all necessary banking information for this purpose. In the months that followed, I did not receive any communication from Honda Financialno emails or letters regarding my account status. This lack of correspondence led me to believe my account was in good standing, and payments were being processed as expected. 

The issue came to light when I was in the process of applying for a mortgage. My broker conducted a credit check and informed me that there were several late payments reported by Honda Financial. This revelation was both shocking and distressing, given that I had received no prior notice of payment issues. Upon learning of this, I immediately contacted Honda Financial to address the late payments and was informed that any resolution would require a formal letter to be sent to them. 

It's important to note that my attempts to resolve this issue directly with Honda Financial have not been successful. I requested the removal of the late payment records from my credit report, as I believe this situation has resulted from a failure in communication on their part. Moreover, I have not been provided with any confirmation of my contact details by Honda Financial, which might have prevented this oversight.

This experience has not only affected my credit score but has also caused significant personal stress and may jeopardize my mortgage application. I believe Honda Financial has failed in their duty to provide adequate notice of payment issues and to maintain accurate records of customer communications. 

I am seeking the CFPB 's assistance in resolving this matter, including the removal of the inaccurate late payment records from my credit report. Your attention to this issue and guidance on how to proceed would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Barclays Bank, I am writing to address a concerning matter regarding an inquiry reported by Barclays Bank, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Barclays Bank to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Barclays Bank to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Barclays Bank neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Barclays Bank. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (VA)

On XX/XX/2022, I deposited a certified bank check from XXXX XXXX bank into our joint checking account at Citibank. The teller was unsure about how long it would take or even the process involved. I became concerned when, after nearly two months, the check was not deposited. I called Citibank and the first representative with whom I spoke could find no reference to my check. I was then transferred to the Investigative Department who also could not locate the check within their system and I was instructed to go to the branch where I had deposited the check, which I did. 

The manger with whom I spoke also failed to locate the check and kept insisting that it could not be found was that it was in " collections ''. She also informed me that the standard turnaround time for an international check was two to six months. She also said that I should have had it wired into my account because there was a {$35.00} fee (! ) for checking services. I can assure you, if I had known that there was going to be a two to six months wait on a certified bank check and, that I was going to be charged {$35.00} for the luxury of this service, I would have never deposited it into my account. 

As of this writing, my check has still not been cashed and deposited nor can it be located within their system. Ever since the pandemic, my wife and I have been living paycheck to paycheck and were depending on this money to help pay bills. Because of Citibank 's incompetence we have accrued late fees, had the electricity turned off once, amongst other things.
Consumer complaint received 2022-11-02
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: Grain Technology, Inc. (GA)

grain XXXX XXXX XXXX XXXX  accounts 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction.

15 u.s.c 1681 - 2 ( a ) ( c ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-02
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. (NY)

I reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to this matter.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Through borrowers defense to repayment my balance was reduced to {$57000.00}. XXXX hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX XXXX updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

Fair Collections and Outsourcing sent me a collection letter to let me know an apartment complex I lived in before had placed on my name. When I reached out to FCO to find out they had no idea what this collection was for. I had paid a deposit to " Suredeposit '' when I first moved into this building and if anything happened at the end, I was supposed to pay that company any difference. There was no damage to the apartment as I had the carpet washed and all wall repainted. This collection was supposedly to replace the carpet. When I talked to FCO 's agent, XXXX XXXX, she said that she was not sure why that collection was sent to them before me being told about the debt. It's only a {$450.00} but the amount is not the problem, the problem is that when I applied for a place XXXX months ago, I was DENIED because of this collections since it's a " apartment rental '' related collection. Though this was for a carpet, when people look at it, they only see where it comes from and it could be a number of things such as unpaid rent, or utilities, which is not a good look for other apartment rental companies. 
Now to make things worse, last month around XXXX XXXX, they reported another collection on my credit reports on all XXXX bureaus. This new collection was a new account but this time the creditor is the apartment complex, for the same amount, {$450.00}. when I spoke to this XXXX XXXX, she also mentioned that this account was owed to them and also to the building. So now, they're trying to double dip XXXX collections for XXXX with different collection account, from XXXX different places. XXXX also mentioned that this seemed to be wrongfully reported and that she would check and would get back in touch with me within a couple days. I have never received any more letters from FCO since this call. Only action taken from them was reporting that second account to the credit bureaus. This move was extremely shady. I disputed these account with all XXXX bureaus and they deleted XXXX, but the other one still remains. 

This malicious reporting and Fair Collections and Outsourcing seems to be trying to only damage people livelihoods as I can not get a place to live because this collection is on my reports.
Consumer complaint received 2020-09-27
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: World Acceptance Corporation (TX)

World Finance acct # XXXX charged off closed account with two different balances {$880.00} and {$1500.00} last reported XX/XX/XXXX opened XX/XX/XXXX last activity XX/XX/XXXX paid on time XX/XX/XXXX. Its reporting all of the above on my credit file. On XX/XX/XXXX I reached out to XXXX in regards to a fraudulent charge off on my account. Due to me receiving a alert from my credit monitoring service that a remark was added and when I pulled my report no remark was there and the reinvestigation was no longer on my file. XXXX closed the dispute without sending the debt validation I requested. World finance didnt send the debt validation documentation either. I spoke with 2 agents and a XXXX by the name of XXXX XXXX # XXXX and they all had different stories. The first agent hung up on my face when I asked where the debt validation was that I requested months ago. She stated the account was under reinvestigation and it was a validation as well. I told her it cant be validated and under investigation at the same time. I asked her to send me the documentation she claimed she couldnt open the validation and she hung up in my face. When I called back and requested a XXXX I asked the guy to look for the validation and he stated there wasnt one. He then stated he seen I requested for the dispute to be closed today XX/XX/XXXX and I informed him that was a lie I called for the validation today since its been months and XXXX has yet to respond. I was then transferred over to XXXX the XXXX and she stated she didnt have to give me the debt validation paperwork. I informed her that by law she had to validate the debt and she couldnt. Ive reported XXXX and World Finance to every outlet due to them violating my consumer rights and now have retained an attorney due to the Texas Statute limitations law of 4 yrs this account is exactly 4 yrs and 2 months old and Ive fought it the entire 4 yrs its been on my credit file. Under the Texas debt collection act and FDCPA XXXX and world finance has broken a number of consumer laws and I will be moving forward with my XXXX because they refuse to validate this fraudulent account. They are refusing because theres nothing to validate!! Legal action has been submitted through my lawyer office!!
Consumer complaint received 2024-02-15
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: Lendmark Financial Services (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2022-11-02
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.