davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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: AMERICAN EXPRESS COMPANY (VA)

In a XX/XX/2020 telephonic communication with a supervisor connected with American Express ( AMEX ) XXXX  card accounts, the supervisor accused me ( CARDHOLDER of the credit card at issue ) of committing a fraudulent credit card transaction by receiving cash for a charge rather than receiving goods or services. However, no specific transaction was identified by the supervisor, and no such transaction has been made by CARDHOLDER. 

In a XX/XX/2020 letter from AMEX, CARDHOLDER was tacitly accused of credit card fraud in writing, but no specific transaction was identified in the letter. Again, no such transaction has been made by CARDHOLDER. 

A full description of events relevant to this complaint is being submitted, along with supporting documentation.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MS)

Made a purchase on XX/XX/XXXX with affirm for {$670.00} and the proceeded to cancel the order the next day. I received emails from the sight stating Id have a refund in 7-10 days. After 7 days I contacted affirm and was told to forward refund emails and that if the didnt receive the refund a dispute would be opened. After another call Im being told its my responsibility to get the refund for them which is impossible I have reached out to the company many times and nobody answers the phone only email. There now trying to make me responsible for the the loan on items I never received
Consumer complaint received 2022-04-09
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. (FL)

On XX/XX/2022 and XX/XX/2022 I contacted the following Credit bureaus Experian, and XXXX by U.S. Postal Service Certified Mail Receipt. 

At that time I requested all documents that they used to verify the following inaccurate accounts that they placed on my credit report. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX AND ACCOUNT NO. XXXX on Experian credit report this action was taken on XX/XX/2022. Also on my XXXX credit report account no : XXXX. 

I was instructed by the credit bureaus Experian, and XXXX to contact the creditor XXXX XXXX directly and request these documents that were used to verify these accounts, upon speaking to the Experian representative XXXX he explain to me that there were no documents that the Creditor just called and requested that the accounts be reinserted to my credit file and it was placed back on my file this is a BIG .... VIOLATION, no proof or documents were ever presented, this is FRAUD in the biggest way by the creditor and the credit bureaus. 

I also reached out to the creditor XXXX XXXX and requested all documents that they furnished the credit bureau to certify these accounts. XXXX XXXX, Experian and XXXX never responded to my request they never furnished any documents that prove these account were verified .... they are both in violation, they both failed to furnish me with the so call documents that they used to verify these accounts. 

According to the FAIR CREDIT REPORTING ACT SECTION 15 USC SEC 1681 ( A ) states that if you can't provide proof .... these accounts must be deleted I request that these accounts be deleted if they are not 100 % accurate. No proof was ever provided from the creditor nor the credit bureaus Experian, and XXXX so these accounts must be deleted.
Consumer complaint received 2022-04-09
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-10-14
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: Resurgent Capital Services L.P. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-13
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: Google Compare Credit Cards Inc. (SC)

I opened a account years ago to keep from seeing ads Google Pay got my charge card information and then the nightmare starts without my permission someone or something caused many charges probably several XXXX dollars a month. I didn't know it was happening because I have my wife whom should have been monitoring my charge card bill she wasn't reading all the charges and they made many charges from around {$5.00} up to {$19.00} and one rare {$99.00} purchase. These charges aren't mine I want my money refunded so I can pay my charge card but they are refusing to cooperate with me. I'm suppling some screen shots from my cell phone, there's already emails fishing me for my credit card information. The charges aren't my charges!
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

Sofi. Has put a hold and lock on two accounts, I opened .I was told that the reason is due to a investigation ongoing, but when this account was open I had problems with my funds and purchases being made from the account with out my approval or knowledge. There was a complaint I made they said that I put in the wrong address and the first set of checks were being used by online purchases. I did not put in the wrong address. The representative called me after I ordered the first checks his name was XXXX. He asked for all my information then hung up I called back and some other representative said there is no way I spoke to a man that worked for sofi they are not allowed to give a name. I explained the caller Identification said sofi the lady said that she would call back. Any how my account was compromised, then before they called back another purchase was made for XXXX at XXXX I called sofi again they said there is nothing they can do it looks like a good purchase I returned said maybe its a mistake from XXXX XXXX  used to make a purchase on a site I was browsing but I checked and Ive never visited the site before, I again got on the phone said how is it possible that you dont have the means to put back what you lost that I had trusted sofi with. I was in mid explaining when the person said I can put another order of checks for you. I said ok. And they shunned me .hung up and that was when I last spoke to them.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC (GA)

According to the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Total Card Visa, has violated my rights. This account was fraudulently opened using my information.

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.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-08-06
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. (CA)

I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has sold my personal information to MIDLAND CREDIT MANAGEMENT , INC and they have sued me for an alleged debt they have no right to collect, now they are garnishing my wages. They are purposely injuring me the natural person. I had no credit transaction with MIDLAND CREDIT MANAGEMENT , INC
Consumer complaint received 2022-07-11
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. (SC)

In accordance with the Fair Credit Reporting act 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 Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Consumer complaint received 2021-10-13
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. (UT)

In XX/XX/2021 I had received an email from my credit union that XXXX XXXX  had taken a XXXX dollar payment that I didnt make! I saw two other returned payments from them! I called XXXX XXXX immediately and they told me they would do an investigation for account take over. XXXX XXXX  told me to call my credit union and tell them to return that XXXX payment and I did. I never heard back from XXXX XXXX, they never sent me any statements - no letters. And they charge off my account! Now my credit is ruined! They told me theyll delete the trade line and its still there. No one has any updates every time I call!
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XX/XX/2020 I have communicated with Nissan Motor Acceptance Corporation about my situation due to loosing my job, then I lost my son 2 months later..and they still reprocessed my car as of XXXX..I ask them to give me more time, due to my circumstances, they dont care..after I told them I have another job now..just give me time, I had the car for 3 years.I even ask for a payment plan, they denied me.
Consumer complaint received 2020-11-30
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)

XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to XXXX XXXX. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
Consumer complaint received 2022-04-13
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. (VA)

The Credit Bureaus never did a proper ''Investigation '' according to the FCRA The term ''Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledgeable concerning any such items of information. 

They did not do this, Also they have violated my rights even more In accordance with the fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate the date last active is inaccurate and date last reported is not accurate this is ground for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy,15 U.S.C 1681 604 A section 2 it also states a customer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I had care credit earlier this year to pay for a dental procedure. I paid my account in full and closed my card. 2-3 months later I attempt to apply for a new account. I am denied through the preapproval application process. I contacted Sychrony and was told that I was denied because I didn't check the terms and condition box. I reapplied through the same preapproval process and checked the ONLY box that says " check here that you agree this is not a credit check ''. I was denied again and the message stated I would receive the reason within 7-10 days. I received a letter 7-10 days later and it says I was denied due to a previous application approval. I call back to care credit and spend 45 minutes on the phone only to be told I was denied due to not checking the terms and condition box. The representative told me to reapply through the preapproval process again and make sure to check the box. I was denied again with the same message to wait 7-10 days for their reason. I received another letter dated XX/XX/XXXX stating again that I was denied due to a previous application approved. I call back today XX/XX/2021 and went through the same process again applying through the preapproval process only to get denied again. I walk through the application process again with the representative and still denied. I an transferred to a manager who said that I am not checking the terms and condition box. I told him there is no terms and condition box and read what I saw. He said there is a part 2 to the application where I have to press the box for terms and conditions. How am I suppose to check a box or move on to part two if I AM BEING DENIED AFTER I SUBMIT THE FIRST PART. He told me that I could try to apply with a coapplicant and I declined due to the fact I am qualified on my own! He told me I would need to have the place I am needing to get my surgery done apply. No one is able to tell me why I am being denied credit and the letters that are suppose to tell me why are only saying it is because my previous application was approved. Care credit shows no approved application.
Consumer complaint received 2021-10-13
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: Spring Oaks Capital, LLC (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Spring Oaks Capital , LLC 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/ sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (FL)

This company place a collection on my account from 2015 I have not been notified, I have not been given the the right to dispute this bill, I woke up and my credit dropped over 40 points. I called the company they were very disappointed trying to strong arm me during a pandemic for a bill they couldn't verify. From 2015. I have two health insurance companies and im 100 % covered so if I was notified it could have been taking care of.