davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have had an exceptional credit rating for the past 30+ years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than 6 spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time .... ONE OFF ... .. situation for {$200.00} had XXXX drop my 821 credit score ( once again I have had an exceptional credit rating for 30+ years ) down to 650 ..... I am outraged by this and all of my attempts to contact any one a XXXX have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after 30 + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on Wed.XXXX XXXX XXXXXXXX from XXXX and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.
Consumer complaint received 2024-11-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (WA)

I shopped at the Macys in XXXX, Washington and while checking out, the employee asked me if I had an account with Macys yet. I told them no then she asked would you like to get 30 % off by quickly signing up for a Macys account?. Notice that she didnt say anything about a credit card, just that I would get an account and would get 30 % off by giving some informational. She then asked for my drivers license and told me to just hit all the green buttons and give the info it asks for. I filled in my yearly earnings and then it asked for my SSN and I asked why it would need that. All she said it response was its for verification not that I was applying for a credit card. It asked for my signature which I expected for opening what I thought was a normal rewards account. After I did, she said great you are approved to which I said what? Why would I need to be approved? And she said I was approved for their credit card and I responded by saying you never once mentioned that it was a credit card that you are signing me up for until AFTER you already signed me up. I told her that this was absolutely not what I was asked to do and that it would negatively impact my credit score which is a very big deal. ( So far it has already dropped points off of my score ). She then told me to just keep the credit card account open and that it wasnt a big deal. I said it was a big deal and that this was a predatory way of getting people to sign up. She never once apologized and I could tell that she knew what she was doing and tricked me into it on purpose. She also said when I told her it would make my score go down that only a rejection of the card would make it go down which isnt true. And she also said to just put something over XXXX dollars a year as my salary so I would be approved even if I dont make that much. 
I called customer service immediately after and they said they wouldnt be able to stop the application and approval of the card and that I would need to make a complaint here and also call the credit bureau to tell them what happened. The Macys representative that I talked to said he filed a complaint with Macys as well so it hopefully doesnt happen in the future.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to formally request an update to my credit report regarding a debt that was written off and reported to me via a XXXX form by 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 

The details of the debt are as follows : XXXX Credit SSN : XXXX Date of Write-off : XXXX XXXX XXXX : XXXX Date of Write-off : XXXX XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX SSN : XXXX Date of Write-off : XXXX XXXX SSN : XXXX Date of Write-off : XXXX As per IRS regulations, when a debt is canceled or forgiven, it shall be reported to the credit bureaus. Therefore, it is essential that my credit report accurately reflects this change in my financial status.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

As per usual I made my XX/XX/2020 payment ( {$40.00} ) on card and in XX/XX/2020 made a {$62.00}, payment, payment made thru bill pay on bank website, like I always do. On my XXXX statement I got a past due charge of {$25.00}, verified I'd made payment on time then called the credit card co to ask what gives, Was connected to the Payment Investigation Dep. told them payment had been made on time and they said they'd look into it, but I needed to send them proof via an Electric Funds Transfer report. I was on phone for over an hour being transferred back and forth to different depts and being disconnected twice. On XXXX statement got a {$25.00} past due fee adjustment and a past due charge of {$38.00}. I called again, was told again they would look into it but I needed to send them proof via an Electric Funds Transfer report. I was on phone for almost 2 hours being transferred back and forth to different depts and being disconnected twice.. Then I started getting past due e-mail notices. On XX/XX/2020, I had talked to the banks Assistant Vice President who also called Capital One and spent almost an hour on the phone with them trying to resolve this. She also sent them a letter with copies of my transaction activity as well as transaction detail screen shots. XXXX statements showed both payments credited and charges reversed. Then yesterday got a letter from Cap One stating the info sent was not sufficient and needed more info and asked for front and back copies of check or money order which I don't have because I paid thru bill pay on bank website. Enough is enough, I'm now contacting you for help.
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (NY)

im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I was contacted by email by LVNV Funding LLC, .of XXXX XXXX XXXX, XXXX XXXX, XXXX , KS XXXX, claiming that i owe {$760.00} to a financial institution named XXXX , i have never had any kind of credit/debit or loan accounts with this company.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (TX)

I had identity theft and XXXX XXXX XXXX  closed my account. Once I proved the identity theft XXXX XXXX XXXX  reopened my account XXXX XXXX took this account off the " Closed Account '' list but never restored it to my credit file as an active account. If they restore this account it would automatically increase my credit limit and lower the percentage of credit usage which would dramatically improve my credit score. They obviously are not in the business of improving consumers credit, they exist to lower our score and make it difficult to maintain credit.
Consumer complaint received 2021-03-07
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. (LA)

XXXX -EQUIFAX XXXX 2 COLLECTIONS AND 6 CHARGE OFFS! 
THE ACCOUNTS HAVE BEEN SOLD TO DEBT. COLLECTION AGENCIES. 
*THE COMPANIES AGENT REPORTING VERIFIED ACCOUNT INFORMATION WHEN DISPUTED AND CHOOSE TO KEEP THE REMARKS ON REPORT. 

XXXXDISPUTE REQUESTED- XXXX/EQUIFAX/XXXX REQUESTING : VERIFICATION OF DEBT. REQUESTING PAYMENT HISTORY AND REMOVAL OF ACCOUNTS DUE TO INACCURATE CREDIT REPORTING REGARDING SETTLEMENTS/PAYMENTS/DELETIONS. 

2 COLLECTIONS : Opened XX/XX/XXXX, XXXX {$2100.00} Opened XX/XX/XXXX, XXXX {$2400.00} 6 DELINQUENT CHARGED OFF ACCOUNTS -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE ASSIST IN THIS URGENT MATTER.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL ()

I had a collection account with PayPal/Synchrony Bank. I did not receive any communication and it went unpaid for about a year. I went through my credit report and saw it was listed recently. I contact Synchrony Bank to resolve the debt. They agreed to a settlement on the account for half the amount owed. I asked for a letter confirming payment of the settlement would satisfy the debt. I was first told they did not have a letter for a settlement. I called back and another representative agreed to send me the letter. I then paid the settlement offer and requested either a receipt or a letter showing it was paid after completing the transaction. They then proceeded to tell me first that they don't provide anything showing it is paid. I pushed the issue and they said they can provide one but not until 21 days later because their system does not show it is paid. I inquired why it would not show paid when they took the money from my bank account right away and no one will answer what the issue is. They just keep telling me it is under review. I've asked multiple times to speak to a manager and first was told there was not one. Then was told they would put in a request and it takes 48-72 hours for a call back. Then when I called back because no one called, they said they would put in another request but still can not provide even a receipt showing the money was paid.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-03-08
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. (GA)

I have disputed a collection account from XXXX XXXX XXXX XXXX XXXX on multiple occasions. The most recent dispute ( confirmation number XXXX ) was filed XX/XX/2021 and the dispute has still not been addressed. This dispute has been open for 60 days and the credit bureau has still not resolved it. A representative, XXXX, from XXXX XXXX XXXX XXXX XXXX, called me directly and advised that they sent an electronic communication to all three credit bureaus on on XX/XX/2021. Both XXXX and XXXX  immediately removed the collection account from my credit file. However, Equifax has yet to remove this from my file per the direct instruction from the collection company, and the dispute regarding this matter remains open. This is causing great harm to my credit and may prevent me from getting the best interest rate while attempting to purchase a home.
Consumer complaint received 2019-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX I responded to an on-line Pre-approved CapitalOne credit card offer with a {$150.00} sign-on-bonus with an immediate computer-generated response that said I was denied even though I have an excellent credit score of XXXX and above ; depending on the reporting agency. Although I was denied the card with the sign-on bonus, CapitalOne offered me another card that said I was approved for, but I denied the offer because I recognized it as a fraudulent bait and switch scam and I didnt want to do business with a company like that. 
This was a fraudulent bait and switch scheme that was clearly aimed at getting my business but without paying me the sign-on bonus. When I received a denial letter shortly after, all the reasons were untrue and invalid such as too many inquiries in the last 12 months which I had none. It also claimed amount on revolving accounts too high which as of this date XXXX  XXXX  shows utilization of XXXX {$580.00} out of {$110000.00} but the main question is How can I be denied for a card yet approved for a card for the very same reasons? 
This is a scam and it has affected my credit score by adding two inquiries which CapitalOne has refused to remove when I spoke to an agent by the name of XXXX employee # XXXX at XXXX. When I asked how can I be denied for a card yet approved for a card for the very same reasons the employee lied to me and said I was denied the other card also and became belligerent. It should be obvious thats a lie because why would another card be even mentioned at all if I didnt qualify for a credit card, yet she knew about the offer. 
I want the inquiries removed but I want CapitalOne to be cited and to be prohibited from engaging in marketing scams that can affect peoples credit without recourse. 
Please stop these frauds from doing this to others and hold them accountable.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

I am seeking validation of the alleged debt. I have attached a letter. I attempted to send a letter out through the portal on are around XX/XX/2021. I do not recall having the alleged debt and never did business. Please validate with a signed original contract also the contract with the alleged original creditor within 30 days under the Fair Debt Collection Practice Act.
Consumer complaint received 2024-11-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC (IN)

Shellpoint Mortgage Servicing bought my mortgage debt. They are a third-party debt collector. When I found out that the mortgage was fraudulent and deceptive XXXX XXXXXXXX, meaning that the initial " lender '' of my mortgage, XXXX XXXX XXXX XXXX located in XXXX XXXX, never lent me money ( I lent myself money ) I realized that this loan had already been paid the minute I signed the promissory note at the closing table. XXXX weeks after the closing of my property ( roughly XXXX of XXXX  ) my loan was sold to XXXX XXXX. Shellpoint Mortgage Servicing keeps saying that my loan is with XXXX XXXX. I called XXXX XXXX, and they said, " This loan is no longer in our system. '' For your convenience, I have included my current credit report proving that my mortgage loan is no longer in XXXX XXXX  's system. The account is closed. A company called Specialized Loan Servicing bought my mortgage debt after it was with XXXX XXXX. Then Shellpoint Mortgage Servicing bought the debt from Specialized Loan Servicing. I have told Shellpoint numerous times that I do not consent to contract with their company. I have NO contract with their company. I have gotten the IRS - UCC Contract Trust Department, the IRS CID and the Better Business Bureau involved in this dispute. For a contract to be valid, there must be equal consideration. There was not equal consideration on the part of the first " lender '' at the closing table. I was the only one bringing money to the table, and the only person that was lending me money was my UCC contract trust account. The fraud and deception that was perpetrated against me at the closing table nullifies the mortgage contract. I do not owe anyone money for this mortgage. As a matter of fact, I will be suing to get back my down payment and ALL of the mortgage payments that I have made thus far.
Consumer complaint received 2021-03-07
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: Exeter Finance, LLC. (FL)

I have communicated several times with this creditor and I have let him know on many occasions that this account is not mine, I have sent him a police report, I sent him 2 documents from the federal trade commission where these documents explain that I was a victim of theft of identity and they send me a letter saying they do not have enough evidence to substantiate that I was a victim of identity theft and this account is not mine. They allege that they have my cell phone number on the account and that is why this account belongs to me, I alleged that the phone number that appears on that account is not mine and they do not want to do anything. Apart from this they are discriminating against me because I do not speak English and a customer service employee always has to translate for me and they do not translate 100 % what I allege. This is hurting me and I need them to fairly evaluate and prove that I am not the person who opened this account.This week the Detective will be going through the dealer where this account was opened to request some document that the person used to validate his false identity such as ID or passport of the person who opened this account.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, and XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforescen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that you are willing to work with me on erasing these marks from my credit reports. Theyre also old addresses where I use to be resident at that I dont live at anymore I wish to have removed off my credit report. 
I am now trying to lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments.

I understand that according to federal law 15 U.S. code 1631a ( 2 ( Al ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply. 

Very Hopefully yours,