davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (RI)

I C SYSTEM INC at XXXX. XXXX XXXX XXXX XXXX, MN XXXX has been sending me collections notices in the amount of {$640.00}. Account # : XXXX. This collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've disputed this account in the past, they did not provide me with any type of verification leading to the account being removed from my XXXX  and XXXX. But XXXX is still reporting it as debt.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is account from possible finance reporting on my Experian report. This account has been paid in full and delete from all other bureaus as agreed by company. Ive called out and spoke to reps about my concern with the fact there reporting me charge off and this account was taken care off. He informed me it would be corrected. Ive received my recent report and guess what? Its still showing delinquency. Not to mention about of my rights according to FCRA INFO MUST REPORT WITH ACCURACY FAILURE TO DO SO MANDATES DELETION Please look into this for me
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc. (FL)

The debt was submitted to National Enterprise System Inc. I did not have an agreement with this collection agency. 
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
Consumer complaint received 2020-05-04
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. (NC)

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-04
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2021-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NC)

I have an on going problem with PayPal Credit. The issue is that PayPal Credit improperly credits payments to my account in an attempt to prevent me from paying off special financing purchases they offered not to occur accrued finance charges for that promotional offer This is not a mistake but a deliberate attempt and practice of PayPal Credit to collect finance charges on those promotional purchases they are not owed. In other words, they assess finance charges when the promotional balance would have been paid off by the excess payment amounts I made during the billing period in excess of the minimum payment for that billing period for promotional finance offers where the balance would of been easily paid off with my excess monthly payments making it impossible to pay off the promotional offer without paying any finance charges like they advertise.. Instead of properly crediting the oldest, expiring offer they ALWAYS credit the newest offer that does not expire for months! I have experienced this numerous times over the past two years with PayPal credit. They always have an excuse as well. One time I call they say the excess payment must be included with my minimum payment. The next time they state it must be made in two or more separate payments. .I 've spent hours of the phone with them and they always say they will corrected and they will send it to research to have the payment reallocated... Well in the few instances where it was reallocated it happed they " conveniently '' make the payment adjustment the next day AFTER they have assessed finance charges on the entre promotional period. I've neve dealt with a bank where customer service agents have to send every account adjustment off to another department and take 3-4 weeks for for the actual adjustment to be made and even then they still assess the finance charges for their '' mistake ''. The reason is that it is not a mistake! PayPal Credit intentionally engages in business practices that are akin to loan sharking where it is impossible to pay off promotional balances using the payment system they have in place. This is intentional and deliberate
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA.

Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX/XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX   XX/XX/2018 unauthorized PUBLIC FILINGS US BKPT CT IL XXXX   XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I pulled my three ( 3 ) credit reports on XX/XX/XXXX and found a collection that is currently being reported by Portfolio Recovery Associates , LLC. 

I sent this company a letter dated XX/XX/XXXX seeking more information and " Validation '' of this alleged collections. 

The company responds via letter dated XX/XX/XXXX by sending me a one ( 1 ) page response informing me of when they purchased this debt, but no supporting information such as 1 ) First date of Delinquency 2 ) Sumary of Account Activity 3 ) Contractual Agreements How can you deny that the information you are suppose to investigate from an electronic file, be accurate, without providing the consumer the information that " you '' have reviewed? 

I sent them a second letter on XX/XX/XXXX, with the same request as I did in XX/XX/XXXX. They responded on XX/XX/XXXX likewise with no tangible or authenticated information for me to review and assess if this debt truly belongs to me. Instead, they refuse to invesitage and informed me that no further replies will occur. 

I do not have any information from them, only that they purchased a debt that is accurate to them. They have violated all of my consumer rights pursuant to 15 USC 1692g ( a ) ( 1-5 ) ( b )
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My business checking account has been frozen by Capital One Bank since XXXX. When I called into the small business customer support, I was transferred to the fraud division who told me that I need to submit information regarding the eligibility of my business for an SBA EIDL loan that my business received in XX/XX/XXXX. I was also told that the SBA has asked Capital One to conduct the review on its behalf. 

However, despite repeated requests via phone and e-mail going back a period of over one month now, Capital One has refused to send me either in writing or via e-mail what documentation Capital One are requesting for this review. I was asked to email XXXX which I have done several times without any response. 

In addition, my personal checking and savings accounts also held at Capital One have been frozen and I can not even login to my Capital One account to review statements or otherwise manage my account. These accounts have no bearing on any review that Capital One is conducting on behalf of the SBA. 

Capital One needs to confirm in writing what documentation is being asked for and what the legitimate reason for this review is. Why have I not received any communication from Capital One on this matter? I had to call in to even get the little information that I have now. 

As a result of this account freeze, I am not only unable to conduct business, but I have had bill payments scheduled to my personal account fail costing me fees and potential hard to my personal credit.
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (GA)

I have requested on numerous occasions that RECEIVABLE MANAGEMENT CORP provide a VERIFIED/VALIDATED CONTRACT bearing my signature showing that I received goods and or services that I agreed to pay for. Each time I have contact them I am handled aggressively and unprofessionally. Please assist. They have yet to provide any evidence of their fraudulent claim and any information that I have provided they have used to further update my credit profile ( negatively affecting me and creating financial hardship ).
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In respone.to complaint # XXXX. I was called mutiple times during work hours requesting information. I replied and was directed to a bank manager and was informed that she was sorry about the issue and was nothing in her power to resolve my issue. I feel cheated and bullied by this bank.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I have a Citi Costco Anywhere Credit Card. I recently received my annual rewards certificate. The redemption policy requires me to go to a Costco warehouse to redeem the certificate. Someone else who has a Citi Costco Anywhere Credit Card can also redeem the certificate in store. There is no other way of redeeming the rewards. The certificate expires by XX/XX/2021. I explained to Citi that I have a family member who has an underlying medical condition and as a result I do not see myself going into a Costco store ( or any retail store ) this year, even after the vaccination. I asked if Citi would allow me to redeem the certificate ( 1 ) on costco.com online purchases ; or ( 2 ) for a credit balance. The Citi rep was sympathetic but insisted that she has to follow the policy. She even admitted that she herself would not visit a Costco store.

This policy only helps Costco and Citi maximize customer spending but in light of the pandemic their refusal to make reasonable accommodations outlined above only shows that both firms put their financial interest above their customers ' health and financial wellbeing.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

I just received notification that this account was added to my credit report. I did not receive a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported XX/XX/2019.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

In Mid-XXXX, 2020, I mailed a payment to Citibank to pay off a credit card. I contacted them before the payment was sent to get the correct payoff amount. The cashiers check was mailed overnight. I had two accounts with Citi, both checks in the same envelope. They applied one check to one account, but the other check they did not apply, but rather cashed the money and it is nowhere to be found. The stamp of deposit was XX/XX/2020. I have tried numerous times to contact someone in regard to having the payment credited to my account, but I consistently get put on hold, sent to another department, or disconnected. Last Monday alone, XX/XX/2020, I spent almost 3 hours on the phone and on hold, as well as transferred to seven different people. The last individual hung up on me. Citibank also  reported the alleged late payment to my credit report causing a decrease in my credit score that I have been diligently been working to increase. I have spent multiple hours, over multiple days trying to fix the issue, but it has been to no avail.
Consumer complaint received 2021-03-05
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. (MI)

The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/21 my husband and I closed escrow on a new house, a fixer upper. I applied for a Lowe 's credit card the next day, was approved for an {$8000.00} line of credit, began making purchases and placing appliance orders for our new house we plan to move in to on XX/XX/21. After a few large purchases, Synchrony Bank called to verify that I was the person making the purchases. I was. On XX/XX/21 I received my Lowe 's credit card in the mail and called to activate it. I requested a second card for my husband to use and that he be an authorized user on the account. Because Synchrony Bank/Lowe 's informed me it would take 7-10 days to receive the second card, I asked that they mail it to the new address where we would be residing by that time, so it would not get lost in the mail, and I officially updated our new address with them. On XX/XX/21 their Fraud Dept. called me numerous times from a number my cellphone labeled as Potential Spam. When I responded to their voicemail, the " Fraud Dept. '' required me to send them a copy of both sides of my driver 's license and a self video of my face to prove my identity! After I reluctantly complied ( because this sounded very suspicious ), they claimed they could not identify me, froze my account, and blocked me from logging in to my account. Numerous phone calls that same night yielded " the run around '', long waits on hold, and no answers as to what they wanted from me to prove who I am. I have 2 other accounts with Synchrony Bank with 5+ years of purchase/payment history with them. They know who I am! On XX/XX/21, I made a large payment on my Lowe 's account via the " Guest '' portal, more than half of what is owed. I'm still blocked. They are treating me like a criminal! We have a stove and refrigerator on order, on their zero interest payment plan, that we need installed because the house has none. I am furious and frustrated!
Consumer complaint received 2021-03-10
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: Integrated Asset Recovery LLC (PA)

XXXX is not providing requested documents so that I can investigate & verify accounts are mine and they are reporting accurately. As of now they are reporting inaccurate information without providing me proof these are my accounts. I disputed directly with them and received no response to my certified letter. If they can't show actual proof they can't collect nor can they report. Per section 609 I have the right to request an actual agreement/contract bearing my name. XXXX is maliciously and purposely hurting my credit by reporting false information.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I have disputed this debt twice and this company fails to provide me with proof in writing that this debt belongs to me. I have not had a contract with XXXX, who is the original creditor, since 2008. I have a right to obtain tangible proof which I have not received and this is really hurting my credit.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. XXXX, XXXX  and & Equifax have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020and my most recent is early XX/XX/XXXX The total debt amount is less than {$8000.00}.
Consumer complaint received 2021-03-05
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. (CA)

On XXXX I sent out an initial dispute stating my concerns of fraudulent activity on my credit file, I just recently checked my credit report and there were actually no changes at all to my credit report. I then sent out an additional dispute on XX/XX/2020, the XXXX card still remains on my credit, not sure why this is happening. I am very concerned about this and this is hurting my financial future. Under 605B of the FCRA you must block these accounts within 4 business days of receiving the dispute and its been well past that which is a violation under the FCRA. Pursuant to 611 of FCRA please reinvestigate these accounts and block them within 4 business days of receiving this!
Consumer complaint received 2021-03-05
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. (FL)

On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.