davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (MI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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
Consumer complaint received 2021-07-20
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)

I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (GA)

Debt collector called me and I asked that all calls stop and any correspondence be via mail. The agent told me we will keep calling you and hung up on me. I called back and spoke to a different agent to express what transpired during the first phone call and she was just as rude and told me my number has been blocked. I asked if her company was a collection agency she said *no '' and since I didnt ID myself she is going to end the call and hung up on me. I called a third time and asked for a mgr, female ID herself as a mgr. I explained both previous calls and I told her I had requested a XXXX months prior, the mgr told me since I didn't respond to the letter they sent me this is why they are calling me.
Consumer complaint received 2022-06-17
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. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-08
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. (PA)

This is a follow-up complaint against Experian ( see XXXX ) because this credit bureaus has either ignored my concerns in XXXX - they said that I did not provide specific disputes when they have records of those specifics from my disputes via online ( when I had access to dispute ) and via mail. 

I have done everything possible to formally file my disputes, and this CRA has repeatedly violated multiple sections of the FCRA with no regard for accuracy in reporting. The inaccuracies that I have disputed have come directly from the reports they have furnished! 

The company, as retaliation against me for filing a complaint with the CFPB, appears to have deactivated my ability to dispute legitimate errors on my file, online. I spoke with a representative recently who attempted to assist me but it was unsuccessful. 

Attaching formal disputes sent via certified mail to the credit reporting agency. These are the same online disputes that were submitted, although I can not access them because Experian has blocked me from using the dispute feature. I received an error message regarding technical difficulties. 

This credit reporting agency, at a minimum is violating 3 sections of the FCRA ; Sect 609, 611, 623.  Experian is reporting inaccurate information on my file as " accurate. '' They are not investigating.
Consumer complaint received 2020-07-04
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: SYNCHRONY FINANCIAL (NC)

This complaint is in regards to my experience trying to pay a specific amount of money towards one of my carecredit promotional transactions. I have three promotional transactions on my care credit card at this time. Two of the transactions are fixed payments and one transaction is a deferred/no interest if paid off within 6months. I made my baseline payment of {$230.00} on XX/XX/XXXX. That payment amount is the minimum for all three accounts due monthly. I then called into carecredit and made an additional payment of {$190.00} via telephone with a customer service representative and asked specifically for the {$190.00} to be applied to the specific promotional transaction that is expiring on XXXX XXXX. The initial charge of that 6-months interest free transaction was {$470.00} and it was charged on XX/XX/2020. As of XX/XX/2020 the remaining balance of that transaction was {$380.00}. With the {$190.00} payment I made on the telephone on XX/XX/XXXX, I should have a remaining balance of {$180.00}. As of right now ( XX/XX/2020 ) my balance is showing that I owe {$350.00} with the promotional period expiring on XX/XX/2020. This is a blatant attempt by carecredit ( synchrony Bank ) to NOT apply my specific payments to this account in order to charge me the 26.99 % interest if not paid off in XXXX. At this point I dont know what to do. I followed their instructions and called in to specify payment allocation and they are still not allocating the payments as Im asking. I need your help as soon as possible as this is not being addressed even after multiple calls into carecredit customer service to resolve this issue.
Consumer complaint received 2020-05-08
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: CITIBANK, N.A. (TX)

Around the end of XXXX ( XXXX ) I received a call from Citi Card collections. ( Ive been an excellent customer and have NEVER missed a payment ) - so imagine my surprise when they called. 
XX/XX/XXXX Id called Citi and let them know that I was getting divorced and needed my card shut down to ensure that my ex ( or anyone for that matter ) wouldnt be able to pass any charges through and that I also was going to pay the balance off in full which I did on that same days. 

Citi sent me a new card and I never activated it or anything. In effect, I ensured the balance was {$0.00} and never touched the new card theyd sent. 

The collector was able to transfer me to the fraud department where they assured me theyd open an investigation after they asked me about a few charges and I confirmed they were indeed fraudulent. 

Well, several days later ( XX/XX/XXXX or XXXX ) I received another collections call - after a very frustrating call with a fraud representative I asked to be transferred to a supervisor who had a much better grasp of the situation- who again assured me that all charges incurred would be reversed - and AGAIN they closed the second card and issued me a NEW card number. 

Well, today, XX/XX/XXXX, I got another collections call - so again, I got transferred to fraud. Most of the charges she read to me were the original ones that Id disputed. It seems there is one charge from XXXX that came through on the XXXX - so what that wasnt included when I paid the balance on the XXXX - Citi wasnt able to answer. 

Overall, Im frustrated with the lack of resolution from Fraud, and the numerous calls that Ive had to make.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 My secured credit card from capital one had a {$25.00} minimum payment due. I went to a payment center to make the payment, when I was being helped I realized that I did not have My debit card in My possession and ultimately was denied access to make the payment. Upon reaching My belongings, capital one debit card and statement, I called capital one, I was eventually connected to an agent whom proceeded to complete the payment, in which I had decided to pay the entire balance of {$180.00} through the means of My credit union checking and savings account. In concluding the phone call with the capital one agent, I was given a confirmation number for the payment. After a couple of days passed, I checked My capital one accounts mobile app to ensure that My payment on My account was in good standing. I recognized that the information shown was not what it should have been. I called capital one back, I eventually spoke to another agent whom eventually proceeded to ensure Me that He had cleared up the issue of My credit unions non payment to My capital one account, while also acknowledging that I made an attempt to make payment on time by waiving the {$25.00} late fee and providing Me with another confirmation number as well. Eventually, the same issue rehashed and when I made further contact with capital one I was informed that My account had been closed due to XXXX unsuccessful fraudulent attempts to have the bill paid. After settling down and letting a couple of days pass, I called capital one back, I eventually spoke to another agent whom had no clue about My account being closed, seen that I had a {$56.00} minimum payment due and proceeded to take the {$56.00} from the same credit union account that I had previously used and had been informed of its failure to be successfully processed. I would like to include the fact onto the facts that I have stated above, that I can exhibit those facts in an more concise format upon request in order to clarify any discrepancies. Thank You. Sincerely submitted.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

Hi, I used and applied for a American Express Delta Skymiles card and the advertised offer was bonus points if {$1000.00} US dollars were spent within 3 months. I found out after 4 months of using the card and spending over {$1000.00} that I was not approved for the bonus points and Amex claimed that the decline was sent to me directly after applying, but I never received the message via internet on my approval application. This is fraudulent and false advertising and Amex should be held responsible and penalized for false advertising. They are tricking people into opening a credit card and spending money, when they do not honor their incentives for opening a credit card. 

Thanks for holding this multi-national corporate responsible. 

XXXX XXXX
Consumer complaint received 2022-06-17
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. (TX)

I went to places that were supposed to provide a service and instead it resulted in multiple hard inquiries. 

XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
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. (FL)

On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX PL XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

Been charged a fee of XXXX a month for the past 11 months by a company called Citizens One Personal Loans. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with XXXX XXXX and they stated that Citizen One sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before nor did I ever know about them. Upon further investigation I have come to realize that XXXX XXXX XXXX works with Citizens One and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. Did I mention they are charging me for equipment that isn't working? 

I've contacted Citizens One many times telling them that I did not agree to these terms and I was not aware of any additional equipment charges and they continue to call and harass me. I've told them I want everything in writing and they said that they do not write letters and they are going to continue to call and harass me. 

I have not signed anything or agreed to any of their terms and I am continuously getting charged.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

TSI has been handling a debt that is with XXXX XXXX XXXX XXXX College. The debt was first listed on my credit report XX/XX/XXXX. The listing caught me off guard as I never received any prior notification and was unware that I even owed the debt. I have spoken with TSI XX/XX/XXXX and they gave me an invalid address of where they sent the letter too. I asked if they could remove it from my credit report to allow me the opportunity to find out what is going on because it was my first time hearing about it when it was on my credit report and it has been difficult to get In Touch with someone at the school because of the Pandemic. They said they could not and I needed to pay it. I had financial aid that cover 100 % of my tuition and expenses so I didn't understand why I owed it. I was finally able to connect with the college shortly after and they explained to me what happened, I also advised them that they have the wrong address and I never received any communication, not even a phone call and, would make arrangements to pay it but I needed it removed from my credit report because I didn't know I owed the debt. They said they could not remove it. I paid the debt off XX/XX/XXXX and it is still showing on my credit report. I have disputed it with no resolution and also reached out to the college as well as TSI and keep getting the run around.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings (TX)

I do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I can not wait to return this vehicle and never deal with XXXX XXXX   again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not  figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX  or XXXX  due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus