davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: Early Warning Services, LLC (TX)

XXXX  XXXX XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NY)

A credit line of {$300.00}, Indigo credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company XXXX XXXX XXXX , XXXX sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching Indigo as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both Indigo Credit Card and XXXX XXXX XXXX , XXXX .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-27
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. (VA)

Equifax and XXXX has failed to insure my consumer report is fair and equitable to me at all times. I have not provided any written consent nor a court order for them to furnishing negative information from XXXX XXXX XXXX XXXX for which they are accepting monetary fees to aid in ruining my reputation. They are allowing XXXX XXXX XXXX to harass me on an alleged debt through the means of my consumer report which I refused to pay pursuant to 15 USC 1692c ( c ). This is an infringement of my privacy which constitues as identity theft for using and sharing my nonpublic personal information without my consent or knowledge!
Consumer complaint received 2023-06-25
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. (IL)

This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.
Consumer complaint received 2019-03-14
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: DISCOVER BANK (MI)

Back in XX/XX/2018 I believe it was I was scammed by a woman online who made it come off as I was her than boyfriend, however, I later discover after she got a hold of my discover card login information that she went to try & clear the balance and each time after about a week or so the payments where all returned, I tried to speak to a number of discover card customer service reps and was told by one I was  scammed by what called a girlfriend scam however, they where not willing to do anything. I not believe Discover card would not even freeze the account or call me and ask me what is happening I mean this happened like over like two or so months & yet Discover never once said this looks out of place or anything to cause them to contact me other than asking me for payments or when I can make a payment to the account, granted I was at fault as well for falling for such a scam, however Discover didn't do XXXX XXXX $ anything to step in when they saw payments where returned and asking what is going on or freeze the account when they noticed payments where return. I don't know about anybody or anyone else but if I would have noticed this faster myself I would have never used the card any longer & would have done everything to fix this. I am angry and upset at Discover card for failing me when they could have surely protected me when I could have used it most at the time, but instead, they sit there and did nothing. I was a brand new customer of their 's and this is the thanks I get, I mean discover card now put my account in collections and just wants there money, I am beyond upset and angry about what happened and needless to say more hurt because nothing was ever done to help protect me as customer. I am not disputing the fact I should have known better, but I feel discover could have done something to step in when they saw one returned payment and ask me what is going on instead of not doing a XXXX thing. Now my balance is over {$3500.00} & growing, this is crazy more so when I feel if discover card could have helped me out and saved me from more problems instead they didn't do anything at all. I don't quite understand how any credit card company can just sit back and do nothing more so when a person becomes scams like I was by some person online who doesn't care who she / he hurts.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

In late XXXX, I found an offer online for XXXX Hilton Honors points for opening a new credit card account. The only reason I applied was to get those points. I never received any of the points. I have called customer service three times about this one particular, specific issue and was promised that the situation would be resolved to my satisfaction three times. I have never received those points. 
I met all criterion to qualify for those points. I spent {$1000.00} using the card within three months and have paid all bills in full each month. 
During my last call I demanded to speak with a supervisor. That customer service supervisor told that because I had closed a previous AMEX Hilton Honors card, that I was not qualified for the points. That information never appeared on the website, in the confirmation email, and was never communication to me in multiple phone calls I had with XXXX beginning the first day I applied for the card. 
This is a fraudulent offer, very deceptive and I am closing my account and intend to sue them in Small Claims court if it is not resolved immediately!
Consumer complaint received 2019-03-14
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: AMERICAN HONDA FINANCE CORP (NY)

IM A VICTIM OF IDENTITY THEFT AND I'VE TIRED TO REACH OUT TO THE CREDITORS AND NOTIFY THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE THE FRAUDULENT ACCOUNTS I NEED REMOVED. 

1 ) XXXX  XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX   XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATED OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX -AMOUNT $ XXXX DATE OPENED XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (NC)

A collection agency Resurgent is trying to collect a debt that they say I owed to Syncovus Bank ( or the new owner of the debt XXXX XXXX  ) I spoke to Syncovus. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to XXXX XXXX which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : Synovus Bank Current Owner : XXXX XXXX XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Connect with us! 



Copyright 2023 XXXX XXXX XXXX, XXXX. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Consumer complaint received 2023-06-27
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)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

XX/XX/2023 Tuesday Experien Response on XX/XX/2023 via CFPB as follow : This complaint lists someone the company does not recognize or their customers authorized representative Complaint ID : XXXX. 

My request to Experien in this new CFPB complaint to determine ( A ) a possible fraudulent case by an unidentified party against me during the litigation process conducted by 3rd party debt collector, XXXX & authorized by 2 major banks in USA. 
( B ) Mistaken Identify with someone else with exact same name as me but different social security no as Experien reported in my credit reportmy item XXXX of XXXX, in my previous complaint against Experience several weeks ago. ( C ) Something Else not yet determined. 

Once again, I am requesting a written details from Experience so that I can have sufficient information to determine ( A ) Case of Fraud against me ( B ) Mistaken Identify with someone else with exact same name as me but erroneously reported social security no. ( C ) Something else not yet identified. 
Upon receiving additional details of unrecognized party from Experien, I will investigate further as necessary to correct my credit report as reported by Experien. Thanks.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (PA)

In XXXX of XXXX, I purchased XXXX XXXX XXXX. I Had this auto financed through FLAGSHIP CREDIT ACCEPTANCE CORPORATION. This loan was to be repaid within a XXXX month period ( 5 years ). 
In XXXX of XXXX I became very ill. I contacted Flagship and informed them of my illness and inability to make the LAST XXXX PAYMENTS of the Auto Loan on time. 
I was informed by the Customer Service Rep that they ( Flagship ) would allow me an extensive period of time to make these Last XXXX payments, considering I had never missed, nor was I ever late on any payments prior to that time. 
In XXXX of XXXX, Flagship Acceptance Repossessed this Automobile without informing me of their intent to repo this car. 
When I contacted them via telephone, they informed me that this was their policy and that there was nothing they could do to assist me. I asked if there was any way I could redeem the auto and they told me NO!!!! 
I attempted on numerous occasions after that to speak with someone about getting this automobile back. Constantly I was transferred to different numbers within the company, only to be left on hold and eventually hung up on after they checked my account. 
Now here it is years later and I just found out that they ( Flagship ) have the audacity to have me in collections for the balance of {$960.00}, the exact amount I owed them after paying for this car diligently for just about XXXX months short of XXXX years. 
My issue is XXXX Fold. ( 1 ). I know they sold that car for way more than the {$960.00} I owed them. And I know now that they were supposed to contact me before and after the sale of that vehicle. They Did Neither!!!!. They were also supposed to rebate to me any overages beyond what was owed on the car plus expenses. They did not do that either. At the time the car was supposedly sold, this auto had an approximate value of between {$4000.00} & {$8000.00}. I never received any monies from this company nor anything else except their trying to ruin my credit and receive more money from this car that they are no longer owed. 
This company should be sanctioned for their illegal and unorthodox practices. Preying on people for their own profit.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three reporting agencies have incorrectly stated that my oldest account is 10 years old when my oldest account is 20 years old with XXXX. { one more ridiculous XXXX XXXX XXXX see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all 3 lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all 3 should be XXXX thats post XXXX XXXX unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from XXXX.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

On XXXX2019 I tried to get online a free annual credit-report from Equifax. I answered all of the questions correctly, but it was showing up : " We are not able to deliver your free Equifax Annual Credit Report online ''. I tried one more time, but it was showing the same. Additional it shows, that I can request it by mail, but I have to mail copies amongst other things like a XXXX-form and pay-stub with Social Security Number. Since I am XXXX, I don't have these two documents. At XXXX and XXXX I have received a couple months before online my free annual credit-report without any issues.
Consumer complaint received 2023-06-27
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. (VA)

XXXX and Transunion has failed to insure my consumer report is fair and equitable to me at all times. I have not provided any written consent nor a court order for them to furnishing negative information from XXXX XXXX XXXX XXXX for which they are accepting monetary fees to aid in ruining my reputation. They are allowing XXXX XXXX XXXX to harass me on an alleged debt through the means of my consumer report which I refused to pay pursuant to 15 USC 1692c ( c ). This is an infringement of my privacy which constitues as identity theft for using and sharing my nonpublic personal information without my consent or knowledge!
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

I hold LexisNexis responsible for providing false and inaccurate information about my XXXX XXXX XXXX car that had Air bag Deployed during an accident which was not true and reported by LexisNexis. 

My car was stolen based on XXXX police report # XXXX attached here. This report doesnt mentioned anything about XXXX XXXX XXXX. 

LexisNexis false report was provided to XXXX company owned by XXXX. 

XXXX indicated that they are not responsible for inaccurate information since their source of data is their third party and provided by LEXIS NEXIS. 

XXXX has claimed that their source of data collection is from LexisNexis and they are not responsible for accuracy of their report that is published by XXXX or their XXXX company. 

LexisNexis false report has caused my car value dropped substantially when i was first aware of this false report in XX/XX/XXXX when I was going to trade my car at the XXXX XXXX. I hold them accountable for my financial loss. 

I would be more than happy to settle with them before I take any legal actions. 

Sincerely XXXX, XXXX XXXX XXXX Cell
Consumer complaint received 2023-06-25
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. (NV)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

My rights have been violated due to inaccurate information being reported using permissible purpose ( XXXX ). My rights have been violated by a block of information resulting from identity theft ( XXXX ). I have been denied bank loans due to these violations ( XXXX ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of XXXX. EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2023 I sent {$500.00} to XXXX XXXX via PayPal. {$510.00} was deducted to cover administrative fees. I never received the services and found out this was a fraud. I've tried to resolve it with PayPal, but they say because it's not for physical products, there is nothing that they can do. The recipient 's email is XXXX I've sent numerous emails asking for a full refund including the {$19.00} administrative fees and he has not responded. I can't believe PayPal supports fraud. I've also contacted XXXX XXXX XXXX XXXX which is the bank account that is linked to my PayPal, but they say they can't do anything because it's a PayPal transaction.