davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have a Care Credit account that I used to get some dental work done last summer, and I have been paying the minimum amount due every month on auto-pay. I did not look at the app to see my bill because I just assumed that my minimum payments were going toward my balance ( the minimum payment amount I am paying was the figure Care credit gave me not a figure I made up ), so I didn't check it. I went to see what the balance was and it is almost XXXX more them the amount I used for the dental work, because they are tacking on fees every month. One fee is for card security which I never set up, and the other is an interest charge on purchases, but I have not made purchases, they are charging me an interest charge on previous interest charges. 

I got care credit almost 15 years ago when I had dental work done. My dentist 's receptionist is the person who filled out the application, so I never saw the application nor was any of their caveats explained to me at the time other than the fact that it was going to absorb the cost of the service. I could pay it off over time, so the initial application was never actually seen by me, and the way it was explained to me is that that was a totally normal way of applying for this service. 

Jump to last summer I needed to up my limit for the dental work which was done via the app and again there wasn't any thing that fully explained how they were going to be using the fees or that they would be charging me fees that would exceed the monthly amount that they set up as the minimum payment. My minimum payment is {$100.00} and the fees are XXXX for interest on purchases ( again there have not been any purchases just them charging interest on their own interest charges ) and a security fee that I never requested or signed up for that is apparently XXXX for every XXXX I owe so it is up to XXXX now. Just those 2 fees alone exceed the minimum due amount, which again they set. 

I feel this is deeply predatory, and evidently so do MANY other people as a quick google search will show the MANY court cases and grievances other people have with Care Credit,
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CREDIT REPORTING AGNECY IS FURNISHING INACCURATE INFORMATION To the consumer reporting agencies The reporting of inaccurate information has affected my character, my reputation, livelihood, and ability to credit, car or a house and this moment I have been homeless for more then six months You and your company have affected my livelihood. 

As defined by the IRS Even if you didnt receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly state charge off as income the reporting of this account is inaccurate. 

INCOME IS REPORTED ON MY A CONSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 

By definition, the IRS clearly states, the charge off is income, reporting of this account as inaccurate THE LENDER MUST FILE A 1099-C AND SEND YOU A COPY ( I HAVE NOT RECIVED A COPY OR A 5 DAY NOTICE THAT THIS INFORMATION WILL BE REPORTING ) OF THE DEBT IMMEDIATELY. YOU HAVE 10 CALENDER DAYS TO REMOVE
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

To whom it may concern, I hope this time someone will help me resolve my issues concerning these 2 fraudulent accounts that have no valid authorization from me. Some have made use of my personal information and I kept reaching out to the credit bureaus with my Identity Report attached to my XXXX 's letter but nobody has taken this concern seriously.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor XXXX XXXX XXXX / Account # XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

Wrong Addresses. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX XXXXXXXX XXXX  Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ***INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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/year>
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

First of all, I am always anxious about writing Select Portfolio Servicing because the response to any conversation or letter I send is for Select Porfolio Servicing to then send unwarranted letters of default and/or foreclosure. 
I today XX/XX/XXXX, spoke with the Refund Revenue department in XXXX and the representative did find my payment that was made for my XXXX taxes and the duplicate payment made by Select Portfolio Services by check. He also said no one called to be refunded for the Select Portfolio Services double payment made. He explained that if anyone attempted to be refunded they would have to go through his department, ( Refund Revenue department ), and fill out a petition for refund form called General Petition for Refund Petition XXXX. Since Select Portfolio Servicing did not previously request a refund for their duplicate payment in a timely fashion, after it was made ; it may have gone past the statue of limitations and then have to have the matter reviewed by the Tax Review Board. The first step that Select Portfolio Servicing should have taken was not to penalize me and force me to pay, but contact the Refund Revenue department and fill out the appropriate forms. I will attach the link below and a copy of the form if possible. The contact for the department of Refund for Revenue is XXXX. The contact for the Tax Review Board, if the refund is at first denied because of statue of limitations is XXXX. I was told by the representative at the Refund Revenue department that Select Portfolio Servicing should have requested the refund by XXXX XXXX. I have been documenting my telling Select Portfolio Servicing Inc. to do this very thing on numerous filed complaints to CFPB, conversations, and calls to Select Portfolio Servicing since Select Portfolio Servicing started their initial penalizing me and charging me in XXXX. The representative also stated that Select Portfolio Servicing has to show proof of the payment/check and if Select Portfolio Servicing wanted me to collect the refund, Select Portfolio Servicing would have to send a letter on company letter head to the Refund Revenue department instructing them to do so. This was also suggested by myself and 100 % ignored followed by an initial penalty. I will check back with the Refund Review department to see if the steps are taken by Select Portfolio Servicing to correctly retreive the duplicate payment made on my taxes for XXXX. I also look forward to any and all reinbursement of previous penalty payments made to Select Portfolio Servicing Inc . Please XXXX : General Refund Petition XXXX and select Refund of city taxes or call the offices.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

I can not pay or get to my money in my Juno Account which is linked to Evolve Bank & Trust. What can I do? I need to make some purchases, but everything is being declined, even thought the money is in the account.
Consumer complaint received 2023-03-13
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: LEXISNEXIS (CA)

I have already sent several letters to the creditor asking them to remove the fraudulent information, and I also asked the credit bureaus ( XXXX, XXXX, XXXX, Lexius Nexus ) to remove the information as well, but all have declined to do so.

My consumer rights are being violated under, 15 U.S. Code & 6802 " obligations with respect to the disclosure of personal information. '' because they never gave me the option to opt out of reporting my personal information to a third party. 


On XXXX/XXXX/XXXX, I reached out to all parties to rectify the issues. 

U S DEPT OF ED/XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX ACHIEVE PERSONAL LOANS Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT Balance details XXXX  % paid off Balance {$29000.00} Balance updated XX/XX/XXXX Original balance {$44000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I have a former Comenity XXXX card, which was sold off to Bread Financial. I paid the last remaining {$150.00} of my bill BEFORE the due date. It should have been COMPLETELY paid off. However, this company is trying to bill me {$3.00} in a new statement and I'm worried that if I don't pay it ( and the fact that I do not OWE it ), this company will then give me a late charge. This company has ignored both of my emails to them. Please investigate them.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AE)

The last time I called Chase about my attempted transfer of funds, the new reason given for the blockage was that the receiving bank was blocking the transfer. The receiving bank which answered quickly to the phone and checked me also in a suitable manner denied that they were the cause. This bank could not find the transfer attempt.

I am again back at the beginning of the transfer process because of not having the external account registered on my Chase account even if some of the first transfers were successful.

I have spent hours with Chase going through department after department and receiving vain promises from their personnel.

What is going on with this bank that they try to kidnap our savings?
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent XXXX XXXX numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX 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
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.