davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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 (CA)

CareCredit by Synchrony BankXXXX XXXX XXXX XXXX  XXXX. 

Refusing to refund charges for paid in full XXXX, still sending us bills and threatening to report me to credit bureaus if I don't continue to make payments for services never received and will not receive. XXXX XXXX overcharged, over-billed, failed to bill insurance, cancelled appointments regularly, then refused to treat all patients at their XXXX  part of the " practice ''. Multiple patients have complained and nothing is being done. Office lies about everything and doesn't bill insurance properly, so insured consumer is left with paying for the same treatment twice. Even charged for a " complimentary '' XXXX XXXX essential kit! I would have returned that asap, but I was told it was free and my child used it before I noticed I was charged for it. The whole front office is dishonest and scams its patients. This is why they can't keep honest employees. XXXX  and XXXX  are great, however they always quit once they realize what is going on. I don't know how or why the state has renewed the business license this year. I will also file a complaint w/XXXX XXXX XXXX. Patients are stuck with XXXX  on their XXXX  and without treatment causing further damage to their XXXX  and XXXX  while continuing to bill us and refusing to refund pre-payments already made. My son is stuck with XXXX  on, XXXX  growing visibly skewed. This may affect him for the rest of his life without XXXX. 

I have been an excellent customer for decades with CareCredit and Synchrony Bank and pay my debts in full and on time. I have clearly been abused in this case. When I call, I'm transferred to dead extensions for " help ''. Emails back from the company state they will not reimburse the fraudulent charges. They have refunded me a mere {$220.00}. but expect me to pay for continued treatment of {$1000.00} XXXX they ended treatment XX/XX/21 and refused to give me a referral to a takeover XXXX  ), treatment extension of {$750.00} ( six months beyond the normal 30 months and we've only had a few actual sporadic months of " treatment '' ), retainers {$300.00} and final records {$70.00}. I was told I would receive a big refund by XXXX  staff of a few XXXX at the last appt on XX/XX/21. What a lie. 
However, I am still receiving bills for {$1100.00} in charges, already paid {$2200.00}.
Consumer complaint received 2021-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was recently compromised and every credit agency except TransUnion was very helpful in getting this corrected. TransUnion wants to use combinations of phone calls and physical mail and even had me read my social security number to multiple people outside of the US in order to access my account. If TransUnion is going to be responsible for our personal data, TransUnion needs to develop a stronger security system without the use of paper to assist consumers in the digital age.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (TN)

Sequim Solutions constantly calls from different phone numbers. After advising them they had the wrong number they ramped up the calls. They call at least once every hour from a different number, will not say anything and hang up. These calls start at XXXX and will not end until after XXXX. Anytime I call the number back it will connect with Sequim Solutions but no one ever answers the call.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

American Express issued a business credit card to my business. However after I was unable to pay the bills b/c the business flopped. Amex proceeded to sue me in court peronsally and hold me liable under a joint and several clause they put in the contract. I think this is a decieving move, and since I used an LLC I was sheilded from business debts. However AMEX was allowed to sue me and win arbitration due to the contract clause. My question is how is AMEX allowed to extend credit to a consumer or an indvidial without the proper UCC disclosure about cosign on the credit application. I believe AMEX is using unfair tactics. They should be investigated and fined.
Consumer complaint received 2021-06-30
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-30
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: A-L FINANCIAL CORP (CA)

This creditor claims they have verified these late payments on my XXXX account, when I have never been late! I have reached out numerous times telling them to stop freaking reportin these late payments on a consumer transaction! I know my rights as a consumer, involved in a consumer transaction that included a finance charge. Under 15 usc 1605 a finance charge is the sum of all charges for a transaction, so how in the XXXX do I have late payments when the finance charge included a sum of ALL charges for a consumer transaction? Congress defines a credit card under 15 usc 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purposed of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. In this consumer transaction the credit card that was used was my Social security and this is the credit card that I have been freaking using to enter any consumer transaction. Since credit was extended by me as the freaking original creditor this transaction should not have been reported as late, pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. As I stated BEOFRE, my credit card in this consumer transaction was my Social security card. Therefore this XXXX creditor is violating my rights as Federally Protected consumer, and I want this taken off my XXXX report immediately and updated to paid as agreed! These alleged late payments are bringing down my reputation, with misleading information on my XXXX consumer report and is a violation pursuant to 15 usc 1692e ( 7 ), as they claim I made alleged late payments which has damaged my reputation and caused me unnecessary stress as result of their actions!
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have explained to several people at TransUnion that this account for XXXX account number XXXX does not belong to me. I keep explaining and speaking to people off shores each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report with the account number as they requested.
Consumer complaint received 2022-06-24
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: COMMERCE BANK (TX)

On XX/XX/XXXX there were 2 charges were applied to my credit card that I did not authorize. On XX/XX/XXXX there was 1 charge applied to my card that I did not authorize. I discovered these unauthorized charges during the first week of XXXX and immediately reported those to the credit card company. After they conducted their investigation, they concluded that 2 of the 3 charges were authorized and 1 was not, because that charge was removed. 

All I received is a generic letter, date XX/XX/XXXX stating that the claim was being denied. I immediately called them back to ask how they determined that and to let them know, again, that I did not authorize those charges but the individual handling our case was unavailable and I was told that they did not have any details on our claim and we could only speak with the investigator that conducted the investigation. They said that they would leave them notes and that they would have the investigator call me back. No call was received. I have called back multiple times but the investigator is always unavailable. I have left a message each time but they have refused to return my calls so I can ask questions, get additional information, or file an appeal of the decision. 

One of the charges is from a web-site called XXXX, the other is a site called XXXX. If you go to those websites they each sell exactly 9 items only. The 9 prices of the 9 totally different items are exactly the same on both web-sites ( screenshots attached ). The web-site for the fraudulent charges they agreed was unauthorized was remarkably similar : XXXX. 

We have not received any mail, shipments, or e-mails from any of the companies above.
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
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)

I have submitted several disputes with all three Bureaus including XXXX, Equifax, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on my credit report.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (FL)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I demand that this item is removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. These fraudulent accounts are holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Early in XXXX I was unemployed. After finding a new job with a XX/XX/XXXX start date, Covid unexpectedly caused a nationwide quarantine and significantly delayed my start date by several months. Having to remain on unemployment for 5 months caused a financial impact which required me to work with Bank of America and various credit card companies to reduce my monthly payments. I made all payments on time and In XX/XX/XXXX the reduced financial agreement had ended. Unfortunately, I was unaware of the new payment model and did not pay the correct payment. Having the late payment on my credit report is causing a negative mark and request a 1-time removal of the late payment.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (NY)

PENALTY OF PERJURY 'Violations of 15 USC 1692g ' '15 USC 1692a abusive and profane language ' '15 USC 1681b- Permissible purposes of consumer reports ' I sent letters on 05/17/2021 citing violations of 15 usc 1681b . I have never gave written consent to report any of the accounts listed below. 
XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I will be sending an invoice for {$1000.00} per violation.
Consumer complaint received 2021-06-30
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: Experian Information Solutions Inc. (SC)

This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Consumer complaint received 2022-06-24
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2021-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2021 A company named XXXX access my Consumer 's report without my authorization. TransUnion allowed this access with a credit freeze in place.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (MD)

Our auto loan account has been both altered and deleted from your last reporting of our account after the account closed in XXXX of this year. We called into your office on yesterday and was told that Westlake would not have made any changes to our accounts This is only a problem on XXXX  but may need to be corrected on all three of the credit bureaus. 

Remarks were added to my wife 's XXXX credit report saying that the account was being disputed. This caused her account to drop seven points. We disputed that change and asked them to remove the remarks and her score has since increased back to what it was before the complaint filing, but this problem was initiated at XXXX when they for no reason made changes to my wife 's file and totally removed my file from their reporting.
Consumer complaint received 2022-07-23
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-30
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: MRS BPO, LLC (NH)

Was charged on my credit report, For unpaid bill to XXXX XXXX XXXX, I dont even have a account with them, never have ... .. 
Called reporting agency MRS BPO , LLC. No help at all, if anything very rude!! 
was told need to file police report, and then they will talk to me ... or I could settle with them now ... .Call my police dept. for needed report, they said i should call XXXX XXXX XXXX to verify claim against me first .... I called XXXX XXXX XXXX and was able to prove myself, and is a case of thief identity, Two weeks later, XXXX XXXX XXXX claims it will take 60-90 days to remove from my credit!!!

Number 1 XXXX XXXX XXXX should not have issued XXXX worth of credit without any varication.

It was harder for me to prove my self, then was for someone to get product, in my name!!! 
what about my time in all this XXXX This whole process is a sham.. only the innocents are guilty ... .very little help from anyone ... total rip off!!!
Consumer complaint received 2021-06-30
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. (TX)

It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX, equifax, and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile
Consumer complaint received 2022-06-24
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. (MI)

In accordance with the Fait Credit Reporting act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

On Tuesday, XXXX XX/XX/2021 I received a debit card associated to a checking account with Wells Fargo. This account was opened without my consent or knowledge. After contacting Wells Fargo the account was closed. However, the account showed no activity and was not funded. A credit report pulled on XXXX XX/XX/2021 did not show a credit inquiry associated to a new account, as I feel is often standard to conduct a credit inquiry when opening an account. After discussing this activity with a third party I was reminded of Wells Fargo 's fraudulent activity similar to this in the past and decided to ensure notification to CFPB in the event similar activities are occuring again.