davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TD BANK US HOLDING COMPANY (MD)

I have an account with XXXX XXXX and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ 150-200 monthly instead of {$550.00}, however they refused. So I had a past due balance and when I finally started making payment again in the amount of {$260.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX  young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different. They never told me my account has been changed off but still collect my payment and they charged it off for the same amount of the loan which was given to me, although I have be making payment.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CVB FINANCIAL CORP. (CA)

XXXX mailed XXXX checks at a post office & they were stolen. The checks were altered & deposited at XXXX different banks. A total of {$16000.00} was taken out if my account. I reported it to my bank on XXXX XXXX and filed a police report. I still haven't been told if & when I might get my money back. Can you help me?
Consumer complaint received 2023-06-07
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting Act, The following addresses are inaccurate and need to be removed from my credit report. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2020-03-03
Product: Credit card or prepaid card — Store credit 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 (CA)

RE : Synchrony bank says I didn't make my payments and charged me a late fee, I have cashiers check receipts for XXXX & XX/XX/XXXX Payments I received a statement from Synchrony MC/Syncb, XXXX XXXX XXXX, XXXX GA XXXX on Saturday, XX/XX/XXXX stating my account is over due by {$140.00}. On XX/XX/XXXX at XXXX XXXX, I called the phone number ( XXXX ) XXXX, got a representative by the name of XXXX, who refused to give me his id number. I asked to be transferred to a supervisor. 

Problem. I explained that the statement that I received for this month says that I am past due. I explained to this representative that I have a copy of a cashiers check showing that I made a {$60.00} payment for XXXX XXXX  payment which showed the minimum payment due was {$50.00}. This cashers check is dated XX/XX/XXXX. My payment due date for XXXX was due by XXXX XXXX, XXXX. I mailed my payment out XX/XX/XXXX which gave more that 15 days for my payment to be received. Synchrony charged me a {$29.00} late fee, when I used the statement address coupon slip that the company sends and this address is where I always send my payments. I explained to this company that there is a possibility that my payment could have been credit to the wrong account. Synchrony is not interested in finding out what happened to my payment, they found it easier to charge me the late charge of {$29.00}. They need to find my payment. I always make sure my account numbers are printed on the cashiers check. 

Headquarters XXXX XXXX XXXX, XXXX, OH XXXX XXXX File Opened : XX/XX/XXXX Years in Business : 88 Business Started : XX/XX/XXXX Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 16000 Alternate Business Name Synchrony Financial Care Credit XXXX XXXX XXXX Read More Business Management Ms. XXXX XXXX, President/CEO Mr. XXXX XXXX Ms. XXXX XXXX Products and Services Synchrony ( XXXX : SYF ) is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than {$140.00} XXXX in sales financed and 80.3 million active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch. Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more. Additional information can be found at www.synchrony.com and through XXXX : @ Synchrony. 

Sychrony Bank Customer Service - ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX http : //www.synchrony.com ( XXXX ) XXXX
Consumer complaint received 2023-01-05
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. (TX)

In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. XXXX  XXXX : COMMERCE AND TRADE XXXX XXXX XXXX XXXX CONSUMER CREDIT PROTECTION / XXXX XXXX : CONSUMER CREDIT COST DISCLOSURE 15 USC 1681a Definitions ; rules of construction. XXXX XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX  XXXX : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. XXXX XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. XXXX  XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. XXXX  XXXX : COMMERCE AND TRADE / XXXX  XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX  : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. XXXX XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. XXXX  XXXX : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ XXXX XXXX : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15- U.S.C 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

Experian has a freeze on my credit and I am trying to refinance my home. This will save me thousands of dollars. They are requesting that I mail to a PO Box my SSN, and other personal documents to unfreeze. I have called numerous phone numbers and can not speak to a human. I am in a position to better myself financial but can not reach anyone! Please provide information to myself so that I can fix this ASAP. This is very time sensative.
Consumer complaint received 2020-03-03
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. (HI)

Mail them this letter : Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please send an updated credit report reflecting any changes that were made.

I demand the following accounts be verified or removed immediately.

Please send me an updated copy of my credit report reflecting any changes made.

Account name and number Provide Physical Verification XXXX XXXX XXXX Unverified Account
Consumer complaint received 2022-02-25
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: DISCOVER BANK (TX)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; DISCOVER BANK
Consumer complaint received 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Late Payments Reported late payments on Months : XXXX, XXXX, and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Any assistance in this matter would be appreciated. 

Thank you.
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MD)

I have an account with lending club and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ XXXX monthly instead of {$640.00}, however they refused. So I had a past due balance and when I finally started making payment again in the full amount of {$640.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

Was contacted by JPMorgan Chase bank fraud department on XX/XX/2022 from XXXX stating I had fictitious charges which were on our account, they also stated that there was a wire transfer that was scheduled for XXXX that day for {$40000.00} and I needed to initiate a wire reversal to stop this transfer, well needless to say that day the money was transferred out of our business account, and on the following weeks a fraud case was opened by chase, the results came back as my fault according to chase I initiated the transfer according to them this being the wire reversal transfer, now we are out our {$40000.00} Im not sure where to go or legal action I need to take, I can get all phone transcripts from XXXX XXXX but XXXX states they would cooperate with me fully but would require a court order to obtain, Chase never did send me their final report, this is for Chase business account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Recovery Group LLC (FL)

ELITE Collection Services has been reporting negative information to my XXXX and XXXX credit reports for over 5 years. I have disputed this agency multiple times over the past few years. They allege that I owe a company by the name of XXXX XXXX XXXX XXXX money from a rental, when that is not true. 

Elite Collection Services continues to fabricate falsified documents claiming they are mine, when they aren't. I have never done business with XXXX XXXX XXXX XXXX, nor have I ever heard of them. 

XXXX and XXXX continue to report this falsified information despite sending multiple letters to both credit bureaus disputing the debt. XXXX removed the false negative reporting, but the other bureaus have yet to do so.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

Citibank customer service representatives continue to lie and delay action. I messaged via online chat and was told 'Thanks for confirming i have successfully processed the refund and you can expect to see the fund in 3-5 business days. ' After over a week had passed I reached out again 'It will be there with in 2 business days ', 'As per the recent update it may stil take 4 more days. ' and most recently spoken with a customer service supervisor who said she would follow up, but clearly something is broken with Citi 's processes.
Consumer complaint received 2023-01-05
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I tried to do a transaction with moneygram to send money from my XXXX card. I was sending money from my XXXX Card to my personal bank account in the amount of XXXX on XX/XX/2020. I get a email that the transaction has been completed than another that says its been canceled. I called MoneyGram and they stated the transaction was canceled due to my information not matching which was a lie. I was then told it because my bank declined the transaction and my bank stated they have no reason too. I was supposed to have a major XXXX on XX/XX/XXXX and Im unable to because I didnt have my payment made. I need my money back ASAP please help.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (LA)

I submitted a request for a XXXX XXXX consumer disclosure report and received in the mail a web address and a pin to view/download a report. When I entered the pin, it stated that " we were not able to validate that pin please try again ''. I called the phone number on the website, XXXX which stated that " if you are not able to validate your pin or your pin is expired please call the LEXIS-NEXIS consumer center ''. When I called the phone number I got a menu that did not include allowing me to access my consumer disclosure report or did allow me to speak to a human, but it did allow me to request a another report which I did. I was also able to send an email requesting access to my consumer disclosure report stating the problem that I was having and received a case reference number XXXX. I received an email back that they would respond within XXXX hours on XX/XX/2023, but I have received no assistance in my valid claim for the consumer disclosure report. 

I received another letter in the mail with a web address and a pin and I repeated the exact process in paragraph 1 above. The new case reference number from the email is XXXX, but still no answer after another 48 hours. 

Could you please assist me with receiving a LEXIS-NEXIS consumer disclosure report? 

Thank you for your assistance
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (GA)

I exceeded my insurance annual maximum out of pocket by XX/XX/XXXX. Once I met my max out of pocket, all healthcare costs are the responsibility of my insurance company, XXXX XXXX. 

I mailed XXXX XXXX, the XXXX XXXX company, and AR collection agency a certified letter with the chronological itemized accounting of the maximum out of pocket to show that I did not owe this debt. The certified mail number was XXXX XXXX XXXX XXXX XXXX. The letter was delivered on XX/XX/XXXX. I wrote to AR prior to this letter requesting proof that the debt was mine, within a week of receiving their collection notice. 

XXXX has refused to pay their debt. AR filed a collection notice in XX/XX/XXXX, despite definitive proof that I do NOT owe this debt.
Consumer complaint received 2020-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (CT)

A debt ( {$1600.00} ), which i don't know where it came from, just showed up as a collection on my credit report, i'm not sure what it's for or where it came from and did not receive a letter prior to that from collection agency so i have a chance to validate and dispute the debt. 

Southwest Recovery Services XXXX XXXX XXXX, XXXX TX XXXX