davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo TEACHERS CU Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo CREDIT XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NC)

I joined Sam 's Club last year and was enticed to get the Sam 's Club credit card from Synchrony Bank for the annual rebate. I recently received communication from the bank that my rewards were available, but after two trips to Sam 's Club I was unable to get my rewards at the store, as advertised. The last time I went to Sam 's the fine Sam 's employee called Synchrony Bank who promised that I would receive a statement credit. After six days I called the bank because I had not received my credit. They promised that I would receive my credit by XX/XX/2022. Today, XX/XX/XXXX, I still have not received the credit. I called Synchrony and they now say it will " probably take one to two cycles '', effectively XX/XX/XXXX, to receive my credit. At this point I am doubtful of any promises from Synchrony Bank. It seems unthinkable that it could be so difficult for them to process my credit.
Consumer complaint received 2022-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am disputing two credit cards ( Kohls and Capital One ) and one Collection with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted all three of these companies and I informed them these accounts were fraud, I gave them any documentations they requested from me, I also provided my power of attorney that my daughter has, and I also gave them my address information. I have no copies, paperwork or access to these accounts because I did not owned them and my credit was fraudulently used, so I cant provide any documents on these accounts. Nevertheless, after contacting the three companies in XXXX and XXXX, I dont remember the exact dates, they removed the debt off of my credit and then a month later they were put back on my credit as Charger offs and Collections which makes my credit look very bad and theyre forcing me to take responsibility for accounts thats NOT mines.
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (FL)

to whom it may concern I'm not sure if I'm filing this complaint under the right category but I really need help with this issue the thing is that I got this personal loan from XXXX XXXX XXXX Bank to purchase a TV the TV was {$1000.00} and now when I received the TV the TV arrived broken I can not use it and I have been trying to resolve this issue since XXXX of 2021 with the creditor they disputed many times but they always faal for the seller because they are a seller friendly company and not a buyer friendly company, and for that reason they are not helping me. I tried contacting the seller directly he never answer my calls or emails and I would like to get a refund for all the money I paid already and for them to stop collecting activities on this account and stop reporting me to the credit bureaus because at this point I can not continue to make payments for this loan because I'm not using the television the television is inoperable and I feel like I'm begging them and they're not helping me at all. I haven't gotten into contact with the seller but XXXX the creditor told me that the seller 's requesting for a return of the TV but the return alone is a XXXX plus dollars I can not afford this and the seller knows that, he have contract with all the courier services and for that reason he pays a little when he ships but me as a regular customer I do not have that luxury. Attached please find pictures of the television that I received.
Consumer complaint received 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. 


I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Without any fraudulent inquiries, be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

I have attached my driver 's license, social security card, utility bill, and identity theft report.
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

This so called debt is a total lie being handed off from one to another for more than 7 years now... I am tired of this lie and deny ever owning said debt or any attachment what so ever.. I demand this lie to be removed and erased from my personal life and anything attached to my name.. I DENY ALL AND EVERY CONNECTION TO THIS ACCOUNT IN THE AMOUNT OF {$300.00} ... XXXX.!! THIS IS CRAZZZYYY... ALL LIES AND ATTEMPTS ARE SOLEY FOR THESE COMPANIES TO BE SHARKS... REMOVE THIS CREATURE FROM MY LIFE PLEASE... AND STOP YOUR LIES...
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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 2015-11-06
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (NJ)

I use paypal to make payments via my bank account. PayPal enrolled me in PayPal Credit, a credit line, without my authorization or without disclosures, to make a {$120.00} payment to XXXX on XXXX/XXXX/2015. I assumed my payment was debited against my bank account, but it was not, and was instead enrolled in PayPal Credit. There was no e-mail or notification that this was done, nor was my signature nor acknowledgment required, nor were there any disclosures provided. PayPal did not notify me that there was an outstanding balance either, so now there is {$35.00} in interest payments and late fees. My issue is that I did not authorize to have credit extended to me and I was never notified of any balance. In addition, when I reached out to PayPal on XXXX/XXXX/2015 after learning of having a credit account opened without my consent, customer service waived the late fee of {$25.00}, but there is still {$10.00} in interest payments for credit I did not authorize.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Not XXXX XXXX or XXXX XXXX XXXX XXXX ca XXXX it wax update on there as that it incorrect
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX**** THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently checked my credit report on XX/XX/ and noticed that an account that has been reinserted on my credit report. I wrote the credit bureaus certified and asked them how they verified, and certified the account and why I did not receive 5 day notification. 
They have violated my rights per 15 USC 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

Homepoint miscalculated my escrow after refi XX/XX/XXXX. XX/XX/XXXX I requested they correct the amount, ( too high by over {$XXXX} ). 
When I called to check on this I was told they had not even done it, and in fact had closed the issue without doing anything. I again requested a recalculation. On XX/XX/XXXX I was provided with a Escrow Statement that completely left out my home insurance payment. I asked for Homepoint to recalculate the escrow a third time. I was assigned a Complaint Associate who would take ownership of the issue, he only called me twice. Both conversations were to notify that it had not been fixed yet. Today I called because I had not heard from them and I was concerned that my home insurance payment had not been made. The associate I spoke with read the new escrow amounts to me. They are close to correct, but I think the home insurance amount is still too low. I can not access the new The people I spoke with today could not even help me because their policy is that once it has been escalated to the Complaint department I can only talk to them, but they somehow can't get anyone on the phone. This whole time, I have asked to speak with Escrow directly and they will not allow it.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I have had a checking and savings account with Citibank for almost 20 years. Have had various bill paying, direct deposit etc set up over the course of that time. In XXXX, for no reason and with no large changes in activity to occur, Citibank blocked my account for no reason and with zero notice. Since XX/XX/XXXX I have called multiple times and gotten no reasoning for why it was closed and no resolution. Have just been told it is in the process of closing and I would receive my balance ( almost {$4000.00} ) via check within 60-90 days then they tell me they can not provide any more information and they hang up on me. Ive gone into branches and they tell me the same thing. Every time I call they say they will leave a note for the back office and I will get an update but I have never ONCE received any updates. I call back again and get the exact same line, and they say they do not see any comments on the account. It has now been over 60 days and my account is still not closed, still shows blocked and now they are telling me the 60 days is at the point of account closure. Yet everyone prior confirmed it was 60 days from the exact XX/XX/XXXX date. And there has still been zero movement on my account even being closed. I have seen multiple cases on the internet with this same scenario. I just want my check for the balance, and then to be done with Citibank.
Consumer complaint received 2019-07-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I sent in a dispute letter asking Experian to verify my bankruptcy. They fail to properly verify my bankruptcy clearly in violation of the law. Law specifically states that the information must be verified from its original furnisher, which is the bankruptcy court. On my credit report it states that they verified it through a third party named XXXX XXXX. i have evidence that I freezed XXXX XXXX before the process started and also have a letter from the bankruptcy court house stating that they do not furnish information to third parties like credit bureaus.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (VA)

This debt was with a different company. I put a complaint through the cfpb before and it disappeared off my credit and now it is back as a collection with credence resource management. It says its from XXXX  which i have not used since 15 years ago. The account says active 2 months but this was originally saying XXXX of 2021. 

I called the company explained this was fraud. They would even call me and ask if I lived in Texas because that is where it occured. I gave them address I live in Virginia. 

I thought this was removed from my last complaint that I did through XXXX because it disappeared off my credit and now I show it now with a different account and as a collection. 

I never did any business with XXXX  in the last 15 years.