davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NJ)

I was mailed a USBankReliacard Visa Debit card out of the blue. After researching it a bit I activated it thinking I was either going to get COVID stimulus payment or just setting it up before I retire ( next year ). 

I received a deposit two days ago ( XX/XX/20 ) of {$480.00}. I thought that was weird. After doing more research I found out that it is for Unemployment Insurance for the state of Ohio. I live and am still working in New Jersey and have never applied for benefits. 

I called USBankReliacard and they canceled the card. 

Now I am reporting this to you as I believe my information has been compromised.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IA)

I.C. Systems, Inc is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Since the creditor has already received payment for the debt when it was filed on their taxes, 604 15 USC 1681B debt that is charged off can not be reported on your credit report, which is subject to a {$1000.00} fine for each negative item on the report. Additionally, they are reporting XXXX  every month, which I know is illegal because if the debt was charged off in XXXX, it can not report every month. I have been trying to get the accounts removed with Experian for a while now, but they are verifying accounts in a day. You can not verify accounts in a day if you haven't done a full investigation
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (NY)

My synchrony home account ending in XXXX was closed on XX/XX/ bringing my credit score down. My account was current and I did not have a payment scheduled until next month ( XX/XX/2023 ). On XX/XX/XXXX I had a payment scheduled to be taken out of my bank account for XXXX which is over the monthly minimum payment. Due to a clerical error on my part, my payment was rejected. I immediately contacted the customer service department through chat support on their official website to notify them that the payment would not clear and I also rescheduled the payment to be resubmitted for the same day. I also asked the agent if the account would be closed and if she could help me to prevent any additional fees on the account she reassured me that everything would be fine and she would note all of this information and if and when the return payment fee was posted to contact customer service then and the chat was ended. Today I received a notification that my account has been closed and it is very upsetting. I was lied to and no one within the company seems to care about my credit score being impacted or the misinformation provided by one of their agents. I doubt that anyone even reviewed the notes on my account verifying all of the information above. I have spoken to 2 managers and around 4 customer service reps throughout the day and I have gotten nowhere. I hope this will help them to see the error in their ways. This is unethical and unprofessional
Consumer complaint received 2020-07-16
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)

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (FL)

I reached out to the company as I am in a state that was declared a natural disaster by XX/XX/XXXXand was looking to obtain disaster forbearance, due to the unexpected expenses that arose from the hurricane. The company tried to push me into a " hardship '' assistance program that would have negative impact on my credit, and reduce my credit worthiness. After explaining the following to the company " I am needing assistance that does not fall into hardship. The key difference is the protections provided that does not cause a negative reporting to my credit, which you have outlined is a possibility here if I accept your hardship assistance. '' They responded on XX/XX/XXXX by saying they would give me the relief which would last 60 days. After 9 days of no response, ( XX/XX/XXXX ) I reached out to the company to follow-up as it was nearing the date that I was going to be reported 30 days late day ( 20 days late at this point ), I did not receive a response until XX/XX/XXXX ( 28 days late now ) stating that they do not offer any sort of disaster relief and tried to again push me into the hardship program.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have only 2 open credit card on my account a XXXX XXXX card and Surge credit both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second XXXX XXXX is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX  I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

On Monday XX/XX/XXXX, my wife XXXX received a call from a representative at Midland Credit Management ( legal account number XXXX for {$1900.00} ). She tried a payment arrangement that would have worked but could not come to an agreement. The MCM representative was asking for " {$200.00} the first month, and {$100.00} each month after. '' That is an obscenely high amount with our family 's budget. I tried calling at XXXX this same day and was met with similar resistance. I recommended {$19.00} a month as that was the previous payment arrangement and the last payment made was in XXXX. We are not hiding from this debt but it would be in the Midland Credit Management 's best interest to agree to our payments of {$19.00} a month. Why? In the state of Florida there is a head of household exemption. This debt is solely my wife XXXX 's responsibility. I work too but this is not my debt. That being said, she is eligible for this exemption and here 's why : she provides more than 50 % support for our XXXX XXXX and makes less than net income of {$750.00} a month. Can we come to an agreement that {$19.00} a month is more preferable then no money? XXXX/mo versus XXXX/mo? All we want is piece of mind, no more calls, and no surprise Writ of Garnishment/frozen assets. I've provided links/sources for your education. 

XXXX  : //XXXX.XXXX/XXXX-XXXX-XXXX-XXXX/ XXXX : XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

This debt was opened in XXXX and was removed from my credit report in XXXX due to statue of limitations after 7 years debt has to be removed from credit report. This collection company changed the date the account was opened and changed the name of the credit card company. Fraudulent dates and business name changed. Information not accurate and over 7 year statute of limitations. Please remove immediately. Thank you
Consumer complaint received 2022-05-19
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: SYNCHRONY FINANCIAL (OH)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (NJ)

I made a large payment that was received XXXX, it was not processed until XX/XX/XXXX per Customer Relations Mgr. Online there is a Negative balance and incorrect payment due amount that does not reflect the same on the creditors side. Payments have been taken and cleared for the payment that was made, however the Creditor claims that since it was by check that there are 12 days they can hold the account without updating it and reflecting updated balance available credit and min payment due. Per my acct it is inaccurate and the Creditor never disclosed these services of when a check is mailed in and the time frame it takes to clear an account and update the account to reflect accurately. My acct # XXXX with upgrade is reporting ( negative ) XXXX current balance XXXX and credit limit XXXX with payment of XXXX due. This is all wrong my payment posted per activity uploaded that the payment was credited XXXX the current uploads are as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

For the last two years, I have asked XXXX, Equifax, and XXXX to delete a charged-off account that I have with XXXX XXXX because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, Equifax and XXXX keep moving the the date of last activity to every month, including this one, and XXXX moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.
Consumer complaint received 2022-12-30
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-20
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: Source Receivables Management LLC (FL)

I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX XXXX and it was low and our  credit is excellent. So I got a credit report from XXXX XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX '' ) and I have never had a XXXX account. I filed a dispute with TransUnion and they refused to take it off. XXXX  already removed it for me. The amount is {$2400.00} that is in collection, from XXXX mobile. The collection company is their own, Source Receivables Mgmt. For over a week XXXX  told me to call the  collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can XXXX  put someone else 's name on my account?
Consumer complaint received 2020-05-29
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)

I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I called Edfinancial about a refund that they agreed to process on XX/XX/22. I called again on XX/XX/22 to confirm the refund process was submitted. The total amount that I requested to be refunded from payments made during deferment is {$8900.00}. I find the timeline they gave of nearly half a year from the first call and no timeline on the second call unacceptable and inconsistent. The loan servicer doesnt allow any access to a paper trail about the refund they submitted on their system. The only way for me to follow up on the refund is to call in.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

The Best Service Company is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I requested previously valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond. Attached are previous correspondence with my notice and their response which proves this company did not address my concerns.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown’s New Credit Bureau Inc. (MD)

To Whom it may concern, Brown 's Collection service has not validated or verified any thing with regards to the debt be allegedly owed by my person to their company. The proof needed for this particular debt is the blue ink signature contract that I signed with Brown 's Collection Service stating that I, XXXX XXXX, agreed to this debt, agreed for the adverse affect of Brown 's Collection service actions as they reported a debt that Brown 's Collection Service bought and chose to pursue me under their own volition. The debt is legally owned by Brown 's Collection service and their claim or right to pursue me is null in void due to various acts and laws protecting consumers from these particular types of practices. If the debt and the reporting ceases and desist, I will not pursue legal action. If the collection activity persist I will be forced to legally and lawfully protect myself by pursuing a civil law suit for defamation of character, and various violations to my consumer report.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DC)

I contacted Synchrony Bank on XX/XX/22 about a credit card that appears to have been fraudulently created in my name. It is for their JCPenney credit card, a card which I have never owned. They said I had to mail a XXXX XXXX about the problem. Today I got a new email, this one from Lowe 's, about my Lowe 's Advantage credit card. It appears that a second credit card has been created in my name that I have never owned and never requested. These credit cards need to stop being fraudulently created and XXXX  needs to address their security system that is being breached by hackers.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 4th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance Owed : {$11000.00}