davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
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. (MS)

Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/XXXX I applied for an Apple Card backed by XXXX XXXX using an old XXXX that I own and use for app purposes. I was " approved '' with a credit limit of {$1500.00}, and a physical card was mailed to me, which I received and activated on XX/XX/XXXX. 

The following day I attempted to use the card to make an online purchase of {$640.00} for a new phone at the XXXX XXXX online. I received a notification on my XXXX to authorize the purchase - which I did - but then the purchase was declined. I thought perhaps the online merchant ( XXXX ) was attempting to process the transaction using my old address, and corrected my info and attempted to try the purchase again, which was again declined. I contacted Apple Card support in chat, who assured me there was no issue with my card or account, and suggested I try again - which I did - and was again declined. I decided to just use my XXXX XXXX card, and finished the chat with the Apple Card representative, who informed me my account and card were fine to use. 

On XX/XX/XXXX I had a voicemail from Apple card support asking me to call. I called back that same day and they were unable to tell me why they had called, and after being transferred to 3 different representatives one agent thought maybe it was to confirm my phone number - which I did - and that was that. Nobody informed me of any account issues. 

The next day, on XX/XX/XXXX, I once again missed a call while working from Apple Card support asking me to call back. I called back again, and again was told they had no idea why I was being called. 

Today, XX/XX/XXXX, I logged into my Apple Card account and there is a message that my account is " blocked from new spending '', and to call Apple Card support. I promptly did and the agent had no information for me, could only tell me my account was now " under review '', and had no idea when/if someone would call me back, with no resource for me to reach someone about this. 

I am upset that Apple Card offered me incentives to apply for the card with balance transfers, zero interest, cash rewards ... etc, pulled my credit report which resulted in an inquiry, approved me, sent me a card, and within 10 days has blocked it without ever having made a purchase - and has no method for me resolving whatever issue it is they have.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

I am the originator of this account and am re-filing the Complaint identified as CFPB Complaint ID : XXXX against Synchrony Bank XXXX Synchrony ) regarding my Care Credit account. I also state that Synchronys excuse for not responding to this Complaint is invalid, as my husband, XXXX XXXX, who filed Complaint ID XXXX is an authorized user and Synchrony issued a card in his name ( See Attachment ). This is yet another example of XXXX tactic of avoiding resolution of the stated problem. Other examples include their losing prior filings requiring us to resubmit the disputes as well as ignoring letters addressed to the CEO of Synchrony Bank and its Parent, Synchrony Financial. Other examples include testimonials supporting a dismal Better Business Bureau rating of XXXX in which a few of them are included in the attachment. Note that the complaints reference irregular billing practices. We also have received conflicting status comments ranging from ignoring our requests to applying partial credits to advising that it would require XXXX days to apply provisional credits also no applicable accrued interest adjustments have been made. 

As of this writing, the matter remains unresolved. 

RESTATEMENT OF COMPLAINT ID : XXXX There are several unauthorized charges posted to my XXXX - Noom {$18.00} and {$49.00} and XX/XX/22 - XXXX XXXX XXXX, 3 charges of {$79.00} each. The Noom charges should be reversed, as I canceled this program during the initial trial period with no charge per their policy and the latter charges from XXXX  XXXX XXXX were unauthorized. I filed a formal dispute using the bank 's forms and process and no action has been taken. Although I am an authorized user on the account, their customer service staff will not discuss the matter other than toy advise that the credits have not been issued. I wrote to the bank 's CEO as well as to the CEO of the bank 's Holding Company and a response is pending. However, considering the disgraceful ( and possible illegal ) handling of the matter by their customer service employees, I am not expecting any satisfaction.
Consumer complaint received 2021-09-13
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. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (UT)

We had XXXX auto insurance and cancelled our policy due to the insurance company not sending proof of insurance to our car loan company. We weren't impressed so we cancelled. We don't owe anything to them.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (KY)

Creditor : XXXX XXXX XXXX CELLULAR SALES ) XXXX, XX/XX/XXXX Amount {$78.00} Debt Collector Company : I.C. System, Inc. 

On XXXX XX/XX/2019 denied Service for paid cellphone ( OTHER number was suspended by Registered Owner - not in use ) Account was reactivated After This customer Cancelled Services due to denial of Services to Cellphone paid FOR ( 1 ). XXXX did Not Honor the Contract from XX/XX/2019 XXXX Agents XXXX XXXX XXXX and XXXX XXXX XXXX XXXX claimed No Contract - month-to-month, and due to Denial of Service This Customer Responded in person, as well as * responded to FIRST Collection Agency with a Certified Return Receipt and sent copy to Cellular Sales in XXXX, XXXX CELLPHONE NUMBERS were NOT Registered or in USE by the paying Customer. Identity THEFT was reported, cancelled due to Denial of Service in person - AND XXXX XXXX, manager would NOT correct. In fact, the number USED for a TABLET was Reactivated and in USE AFTER it WAS deactivated - within 15 days. Signed Contract from XX/XX/2019 disappeared - but the Tablet number remained Busy using XXXX XXXX XXXX former owner of our residence for XXXX XXXX. 

XXXX XXXX owes the Customer for paid SERVICE not provided for ( XXXX ) : Customer was DENIED on XXXX XX/XX/2019 yet it was PAID " A month in advance '' - 2 billing schedules. In FACT, on XX/XX/2019, CUSTOMER ( paid in FULL ) and XXXX ADDED Charges and Switched Carrier to Dual with added VPN services. SENT bills to a Unit # 10 - connected to UPS Mailbox in XXXX, XX/XX/XXXX - ( Never REQUESTED Or Registered by Resident and Owner of PROPERTY. IDENTITY THEFT ONLINE.
Consumer complaint received 2020-07-22
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. (SC)

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Consumer complaint received 2019-05-22
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. (TN)

XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-13
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)

fcra violations > not mine : remove it : alll : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$64.00} XXXX XXXX account. {$64.00} past due as of XX/XX/XXXX. 
FAIR COLLECTIONS & OUTSOURCING Potentially negative Date opened XX/XX/XXXX Balance {$7100.00} Status Collection account. {$7100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$310.00} Status Account charged off. {$310.00} written off. {$310.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Multifamily XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX LEADENHALL XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAPITAL XXXX XXXX XXXX Auto Financing Companies Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  NA Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX FINANCIAL SER Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Local Telephone Service Providers XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXX/XX/2021
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (NJ)

I dont agree with pnc bank XXXX I feel their lending guidelines are not compliant lending guidelines. Pnc approved me in XXXX then again in XXXX for secured loans, I have a banking relationship with them as well for years. Now I am trying to obtain a unsecured loan and being told that an account ( XXXX XXXX  ) that was in my bankruptcy from XXXX is a reason for decline plus a XXXX XXXX  account also known as XXXX which was my ex husbands. BOTH of them were on the ORIGINAL reports when I was approved -so why- why am I declined?!? Pnc does not use common sense nor good business sense to lend to their customers.
Consumer complaint received 2024-11-01
Product: Credit reporting 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 am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report, as I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to restore accuracy. 
Please remove the following accounts from my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SUNRISE BUIC XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-22
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. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

I am being harassed by Southwest Credit. I do not know why they are contacting me but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( Collections ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX Online via their website with the same information given to the previous three companies. A couple weeks later I received another debt collection letter from XXXX again for same debt that I do not owe. I filed with you, and a dispute with them and it was dropped the next week. Today, XXXX, I receive a letter from Southwest Credit for the same debt, even though I have been called by them 3+ times a day for over a week and I have already told them I have no debt and to PLEASE CEASE! They have no formal dispute on their website so I filed one through their Feedback portal and informed them I was filing a complaint with you. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 5 ) collections companies when they are the sixth company pursuing a false claim. The mistake was on XXXX 's part and not mine. I was with them for ~23 years or so and had no contract. They acknowledged this in XXXX when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... ..
Consumer complaint received 2019-05-22
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

I have no knolage of this debt therefor I'm requesting original proof of debt, due to your erroneous reporting to the Credit Bureau { s },  the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-11-18
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. (IL)

I have reached out to Equifax, XXXX, and XXXX. As well as XXXX XXXX  and XXXX XXXX XXXX XXXX  several times regarding the inaccuracies and invalid information on my credit report file. I feel as though I am being taken advantage of and being ignored regarding my disputes. The FCRA assures me that I have the right to dispute any and all invalid and inaccurate information regarding my file. I have received nothing pertaining to the investigations that were supposed to be conducted. I sent disputes in XXXX and again in XXXX.. It has been over 45 days. My request have gone unanswered. I have explained to all parties that my information was impacted by the Equifax Data Breach and it appears that my information was fraudulently used. I demand that these accounts be deleted immediately or I intend to file for litigation due to the stress that this has caused me. 
To date, XXXX  is the only company that has responded to my dispute in the proper manner.