davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I am lodging a formal complaint against ic system. this debt collection company has reported negative info on my credit reports without validating debt. ive sent ic system numerous debt validation letters, but they continue to ignore my request. in addition they are reporting every single month on my XXXX  credit report which is a violation of the fcra because they haven't validated the debt with me. the original creditor is a cable company named XXXX and the debt is {$1500.00}. ive never in my life had an account with XXXX. I am requesting this debt that isn't mine be deleted immediately so I can purchase my very first home for my family. thanks for your time!
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VA)

Credit card company sent a letter in with my XX/XX/year> statement that stated my credit score was a XXXX. But because they were offering other consumers with the same score, the same card and benefits, at a higher interest rate my interest rate has to go from 15.99 % to 23.74 %.

They also referenced my credit report and stated that I had accounts with delinquencies, which is not true. I work hard to keep my credit score high so that I can have lower interest rates.

They stated that my proportion of loan balances to loan amounts is too high. I owe approximately {$700.00} to credit card companies and have {$40.00} in credit.

When I talked with the company, I was told that there was nothing they could do and that interest rates were going up for everyone. 

Didn't the Federal Reserve just lower Interest rates? I do not understand how this credit card company can get away with doubling interest rates for consumers who have excellent credit and pay their bills on time.
Consumer complaint received 2022-08-08
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. (CA)

I have informed Experian, multiple times, that an item on my credit report from XXXX XXXX XXXX XXXX  is fraudulent. The latest report number is XXXX ( XXXX XXXXXXXX XXXX XXXX  account number XXXX ) and the item in question is for {$340.00}. Both Experian and XXXX XXXXXXXX XXXX XXXX  have been notified, in writing, with a letter provided by the Federal Trade Commission ( IdentityTheft.gov ) that the {$340.00} account is a result of XXXX XXXX XXXX XXXX fraudulently obtaining my personal information. Experian claims to " verify '' the debt, but all they do is ask somebody else if the information is correct and the other person says, " Yep, it's correct '' and then they close the dispute. We've already established that somebody else has my personal information. Yes, XXXX XXXX XXXX XXXX have my personal information. Repeatedly asking them if they have my personal information isn't verifying anything other than they have my personal information. I have requested, in writing numerous times, that Experian and XXXX XXXXXXXX XXXX XXXX  provide actual proof in the form of a signed and dated contract for the {$340.00}. They have yet to provide this evidence. They have specifically been requested to send me copies of " Signatures on application and accounts '' through the official letter provided through the Federal Trade Commission. They have yet to do so. 

Also, Experian keeps requesting that I call them even though I have told them, numerous times, that I do not speak on the phone and that I'm available through text, email, or US mail. They have now blocked my access to information with a statement that I must call them. I have informed them that I have a XXXX that precludes me from speaking on the phone, but they keep insisting that I speak on the phone. Unacceptable!
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

I had a 0 % interest credit card for XXXX XXXX XXXX XXXX through Synchrony bank. I missed 1 payment in XXXX of XXXX. I was sent an email, called and at Synchrony 's suggestion and direction enrolled in automatic payment to pay the amount by the end of the promotion period. 
I would receive periodic ( quarterly statements ). I received a statement in XX/XX/XXXX and one again in XXXX of XXXX. The XX/XX/XXXX statement had triple the balance. It took several days to access my account ( the server was having difficulties and try back later ) and find out they had started to charge interest and fees as the promotion period was over. At no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notice or additional statements to indicate the promotional period was over and resolve any outstanding balance. 

I immediately paid the original balance and began calling Synchrony to resolve. Synchrony 's only customer service are representatives who sad they could not do anything past 30 days. I received a multitude of misinformation from customer service over the next several weeks and calls that included lying about management structure, call backs and even telling me that forgiveness after 30 days was an SEC violation. 

I was then contacted by a customer representative who did not initially respond to my follow-up, played phone tag for several weeks and then she did not respond as she was out with a sick child. I finally was able to contact her in a last ditch attempt to resolve. 
I told her that the auto-payment was set up as a result of direction from call in XX/XX/XXXX. She said she had to review the call. She called back and said no matter what the term of the promotion period is over and they won't do anything. I specifically requested details of the call and she refused to provide. I asked her to review the previous months calls to customer service and the plethora of misinformation. She refused saying she needed exact dates. Note she did not need an exact date to review the XX/XX/XXXX call ; I suspect she did not and that is another lie. 

I now have XXXX of dollars in interest and fees that are still accruing. When provided with appropriate information I have been diligent about paying what I owe and contacting Synchrony. Synchrony 's entire system is designed to provide no or false information to defraud consumers of interest and fees.
Consumer complaint received 2022-08-08
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. (GA)

sent a notice to EQUIFAX that TWO hard inquiries were on my report and that they were inaccurate, as they are fraud. An inquiry in XXXX of XXXX by XXXX XXXX and an inquiry in XX/XX/XXXX by XXXX XXXX that is also XXXX. Under the Fair Credit Reporting Act my Credit profile is supposed to be fair and equitable and all of the information on my report is supposed to be correct. This information is inaccurate because it is fraud, I didn't do business with XXXX XXXX. They defrauded me. The inquiries should be removed under the law. The FCRA 1681 b talks about how the CRA 's need my WRITTEN consent to report to my credit profile. I never gave them written consent to report this account or any account to my credit profile. a ) In general, a CRA may furnish a consumer report under the following circumstances and no other : 2 ) in accordance with the written instructions of the consumer to whom it relates. I would like XXXX to provide me with the documentation and my signature where I gave them consent to report this FRAUD. FCRA 1681 A1 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. My credit report is currently inaccurate due to the negligence of Equifax.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP
Consumer complaint received 2022-01-27
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. (NY)

Equifax is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my Equifax., XXXX and XXXX credit profile and being reported to credit services who profit of old information.
Consumer complaint received 2022-01-07
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-08-08
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. (GA)

The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate 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 is 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 knowledge concerning any such items or information.

They did not do this.

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal.

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX I was scammed out of a puppy. I had sent the money for the puppy through Huntington Banks XXXX as then it was recorded and not just cash. I did not get a puppy and I want the {$550.00} back. Huntington refused the refund.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2019 Charge Off XXXXXXXX XXXX XXXX {$650.00} XX/XX/2019 Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a Venezuelan refugee. 
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 an account without my written instructions.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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. (AL)

I sent a letter to Transunion, XXXX and XXXX disputing unauthorized inquiries that are being furnished on my credit reports. XXXX immediately removed the inquires but I received a letter back from XXXX stating they were not able to locate my credit information and I received a letter from Transunion stating they were unable to verify that I was the one who sent the letter when I attached my ID to all XXXX letters. I am reattaching the letter I sent as well as my government issued ID.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX while XXXX with the XXXX XXXX, I contacted CITI about a 30 day late notice that was reported to the credit bureaus. The 30 day late notice was reported to my credit on the month of XX/XX/XXXX ( XX/XX/XXXX ). This was during a time where I had limited internet access and could not make payments to my account. Mobilizations while XXXX are coming and I was without reliable internet for almost 2-3 months. I contacted CITI for a courtesy removal/ hardship removal of the notice from my credit report on XX/XX/XXXX. I was told by the representative that this should be approved and there should be no problems with my request. 

I called at the beginning of XXXX and found that on XX/XX/XXXX CITI had approved my claim and that it should be updated on the next statement. My statement period ended XX/XX/XXXX and the 30 day late notice was still on my account. I called XX/XX/XXXX three times and was told all of those times that the request was approved and that I would have to wait 30-45 days for it to be removed from my credit. I even spoke with a manager who requested a letter on my behalf so I could prove to my loan officer this notice would be taken off my credit report. At this point I was told by multiple people including a manager that this problem would be resolved, with one who proposed a resolution letter for me. 

I contacted CITI the very next day and was told that the request for the late notice to be deleted had been denied since XX/XX/XXXX. Even after I had received information that it was approved by multiple people. He told me that even though Im XXXX and had no access to internet and my account shows that I am under XXXX the minimum payment should have been made, which is understandable.Although, this is showing no loyalty to those overseas serving their country who run into such situations. Moreover, why was I told incorrect information, and waiting for an issue to be resolved while getting wrong information on multiple occasions. This lack of correct information is going to cost me approximately {$7000.00} in interest for a mortgage I am preparing to close on. 

I would like to see the initial promise of this notice being removed from my credit report upheld. I have also complained to the XXXX and my next step is contacting a JAG through XXXX legal if this is not resolved.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I received a text saying that my request for a credit card had been approved from Bank Of America. I did not apply for a card so I called and was told that a card was applied for and that I would receive card within 14 days. I called and got that card cancelled. There was a XXXX dollar balance but whomever applied has all my info.
Consumer complaint received 2022-08-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent Experian a dispute letter on XX/XX/2022 in regards to FRAUD on my account. 

They have not responded in the thirty days allowed them by the FCRA and that being the case, the law states that ALL disputed items MUST be removed.
Consumer complaint received 2022-06-08
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

My XXXX  credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.