davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (OK)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account Account Number : XXXX Please remove it from my credit report. 

9. Validate Account Account Number : XXXX Please remove it from my credit report. 

10. Validate Account Account Number : XXXX Please remove it from my credit report. 

11. Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I have contacted Synchrony bank/Amazon on several different occasions. 
I closed the original account after the balance was paid. Amazon charged a membership fee and a new card was opened with the membership fee - I asked for all the statements.after reviewing all the statements, I found the membership that i did not authorize. 


I paid the membership fee and was advised all the fees and interested would be credited. 
I received a statement for the month of XXXX with new interest fees and late fees. I contacted the company once again requesting this again. After researching I found this is a common practice. I have never received the cards nor have I made any purchases after my initial charge. 

how is this possible legal?? and this is reporting a negative on the my credit report. lowering my credit score.
Consumer complaint received 2019-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX  Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I have an Amazon Credit Card via Synchrony Bank I found that the interest rate is 25.99 % and I am being charged an interest rate equal to 36.9 % I spoke to a manager at length and was informed that I was responsible to pay interest not only on my current months balance but also on my previous months balance owed which brought my current interest payment to 36.9 % not the 25.99 % as stipulated in the agreement. 

Although the manager agreed on the current billing periods balance I was advised I was still required to pay interest on the previous months balance that was paid down by half. 

I asked if I owed {$10000.00} last month and paid {$9900.00} on time leaving a {$.00} balance what would my current payment be to bring my account to a {$0.00} balance the following month if paid on time. 

Reply : You would owe {$210.00} to bring your account to a {$0.00} balance not {$.00} if paid on time. You would owe interest not only on the current billing period but also interest on the previous billing period on the monies you have paid off on time What??? 

If they are doing this to me how many other consumers are they doing this too : This is nothing but consumer gouging ; turning un-owed monies into millions of dollars of company profits!!!!! 

You may lose your car, lose your home, have your families torn apart but we will be paid through you or our collectors but make no mistake about it we will be payed our profits we say you owe us!!!
Consumer complaint received 2020-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

" We conducted an investigation and believe these transactions are valid and belong to you. Therefore, we are respectfully declining your request for permanent credits of those disputed transactions. '' Again -- No reason at all given for your XXXX conclusion ... I will be  showing all of this to the credit bureaus when the time comes and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases -- which I just got done pointing out and you still have the audacity to not give a reason for your supposition, and then tell me you " respectfully '' decline my request to be permanently credited, right in front of the CFPB!! There is nothing " respectful '' about that. You people are brazen!! Again -- I refuse to pay for fraudulent charges which you still won't because you can't show any proof of your claim. And I consider this matter closed ... Also I will never EVER patronize Capital One again. Have a great day!
Consumer complaint received 2020-06-02
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. (MA)

I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.
Consumer complaint received 2020-06-18
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. (MO)

Equifax should not be reporting that I am ( 120 ) days late, as well as reporting a collection in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the account balance is incorrect, and Second, there are no late payments to report. The interest rate being charged is well over 200 % and most importantly this is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! Please remove this line item and/or update to report correctly. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to remove and/or update this account however, I have not been successful.
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (GA)

I filled out multiple requests for Experian to remove incorrect data from XXXX. XXXX  and XXXX removed the information. I have requested 3 times to have the information removed or be provided with the name and phone number of the person verifying the accuracy of this information as I am a victim of identity theft. I provided my identity theft report to the agency. I request the account be removed from my credit report immediately. XXXX  and XXXX  investigated the accounts and found them erroneous and removed them from my account. Experian has not provided me a copy of the signed contract showing I opened the accounts, the name and phone number of the person verifying the account as accurate and has violated my rights under the Fair Credit Reporting Act. 
1. XXXX-20 accounts
Consumer complaint received 2022-08-02
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. (UT)

In accordance with the Fair Debt Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C.1681 Section 602 A. States that 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 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, i sent discover a Cease and Desist and I never received a response. i sent the letter via certified mail. Discover bank denied me of credit and told me on one hand it was because XXXX furnished something on my consumer report, and they also said on the other hand XXXX had no part in the denial of credit. its very confusing and misleading. Pursuant to 15 usc 1691b ( b ) a consumer can not be denied credit due to the primary purposes of personal family and household purposes ; these transactions are exempt.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.
Consumer complaint received 2020-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$580.00} XXXX  XXXX {$280.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2022-08-04
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 (NY)

XX/XX/XXXX I repeatedly reported ID Theft, Fraud re : Cap One credit card.

I received bills from Capital One in XXXX saying I owe them {$690.00}. I reported it to XXXX, Capital One. I don't have a Cap One credit card. I've never had a Cap One credit card. I didn't open a Cap One credit card online at XXXX XXXX. I use my name : XXXX XXXX XXXX, XXXX. I'm XXXX XXXX XXXX, retired. Cap One says I opened a credit card with the name " XXXX XXXX XXXX '' on XX/XX/XXXX online and that I'm responsible to pay them {$690.00}. I didn't. I'm not responsible. Cap One can contact the vendors that represent the {$690.00} and find out who is on their video cameras at checkout that used the card, because it wasn't me. Cap One did a hard pull on my 3 credit reporting agencies : XXXX, XXXX, XXXX dropping my credit score from XXXX in XXXX XXXX down to XXXX in XX/XX/XXXX!! My credit score lost XXXX points not my fault!! WHO can REVERSE this poor credit score DAMAGE to ME??!!! Can Cap One be responsible to me for them letting a computer hacker scam them about my IDENTITY? Cap One should restore my credit back to XXXX, tell the 3 agencies the mistake and erase the poor Cap One credit reported on my credit accounts & my bank XXXX in NY. XXXX XXXX Police arrested XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX NY, and he is now in jail at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. I need these mistakes to be corrected right away and I need Cap One and the 3 agencies and XXXX XXXX XXXX to be notified. The XX/XX/XXXX Cap One Fraud Case # is XXXX and XXXX XXXX XXXX case # is XXXX.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC (MI)

I received a notification today, XX/XX/2022 that XXXX had sent an amount I owed them to collections. They made zero effort to contact me about the money owed, ( they have my phone number, two of my email addresses and my current address, plus both previous addresses were set up to forward mail, so clearly they never made the effort. ) I contacted them and they would not give me any information regarding the debt owed, I called the collections agency and ended up just paying it off. If they had contacted me I would have immediately paid them, however they did not. I am requesting this be removed from my credit report.
Consumer complaint received 2020-05-26
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2022-08-04
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. (AR)

I have conducted several Experian disputes and my account is not reporting correctly. I have submitted my statements from XXXX XXXX and XXXX has even tried to correct the reporting. My current dispute is Report Number XXXX. 

All that has happened is a 60 day late has been reported more recently. My account is closed and current and I have submitted proof. I have even submitted correspondence from XXXX XXXX agents. I uploaded information again this morning to correct the error that is listed and I received an email stating the results are available within 2 hours of disputing. The email instructed me to call an agent ( Experian Dispute Specialist ) at XXXX between the hours of XXXX XXXX XXXX XXXX for assistance because the results were not yet available online. 

The first customer service agent went to investigate my claim and returned stating that he had a bad signal and could not hear me, so he would terminate the call. The second that I spoke with went to investigate and came back stating when they receive information they would dispute, so I tried to explain that I uploaded it to which he responded very rudely speaking over me and hung up in my face. 

This has been a very stressful ordeal and I have not been treated fairly as a consumer who is only trying to have accurate credit reporting. Experian is reporting a 60 day late payment for XX/XX/2022, which is incorrect. They have previously reported XX/XX/2022 as 60 days late and that is incorrect, also. It was paid on time and paypal credit can verify this.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (PA)

XXXX XXXX XXXX is a contracted group for XXXX XXXX XXXX XXXX. I obtained their XXXX XXXX due to a left shoulder operation in XX/XX/2022. They sent me a bill which I was in monthly communication with XXXX billing and advised them to correct the payment amount because they did not apply the XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX. All vendors of XXXX XXXX XXXX XXXX must abide by this discount program to reduce costs for patients requesting financial assistance. In XXXX and XX/XX/2022, I supplied XXXX with copies of the XXXX XXXX XXXXXXXX XXXX via email and XXXX XXXX XXXX. I requested that they adjust the payment so that I can pay the correct amount. On XX/XX/2022 I recieved a letter from Frost Arnett Company who was hired to collect the debt. As a result, I contacted XXXX and spoke with XXXX ( XXXX ) and advised her that I have been in full cooperation and willing to pay but the amount was incorrect due to the missing discount. XXXX researched and confirmed the errors and that I was not given appropraite notifcation or time to pay the corrected amount with appropriate discounts after the adjustment. As a result, she left a telephone message for me on XX/XX/2022 that the balance was taken care of and the balance was now XXXX due to their current errors and past errors. This was confirmed again in a later conversation with XXXX. On XX/XX/2022 I spoke with XXXX representatives from Frost Arnett, a debt collector. I advised the representatives that there was an error and that I dispute the collection as per their letter. Their letter indicates that I can dispute verbally or in writing before XX/XX/2022. The representatives ignored my request for dispute. They attempted to collect the debt. I referred them back to XXXX to verify the error. I also advised them that I feel that they are violating my Fair Debt Collection Rights. They both indicated that they had no obligation to contact XXXX and that they had a debt to collect. They also requested proof of the financial assistance letter. I again directed them to XXXX who has all of the documents and determined the balance to be XXXX. After their refusal to cooperate, I was then directed to their website or send proof of financial assistance to their XXXX XXXX XXXX I feel that this is a violation of my rights under the Fair Debt Collections Practices Act. The debt was given a XXXX balance. I was in full cooperation with XXXX through the whole process. Frost Arnett demanded information and debt that was not owed to them. They refused to acknowledge the dispute request.
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.