davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I am reviewing my credit report and I get this account that I don't recognize, I call the company and they don't give me an answer that's why I want to report it, I don't know it and it shows up in my credit guru and according to the law it says that there is a difference between the credit gurus You can send the companies for false payment information which is fraud because that account is not
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IL)

Purchased an item from Amazon last fall. Filled out all the necessary information required. It included signing up for a credit card. Dont recall it including joining up for a monthly fee. Paid the charge when due and never used the card again. Several months later I started receiving bills from Synchrony Bank. Called them and told them I didnt want the account and didnt use it. Two months or so later I received another online bill that included 2 months additional fees. Called them and verbally pled my case and was told it would be taken care of. Last month I received another bill with additional membership fees. Called them again and was told l owed them and would have to pay up. I have no intention of paying for something I didnt need or want. Can you help resolve this for me?
Consumer complaint received 2024-05-16
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Saturday, XX/XX/2023 I went to XXXX XXXX XXXX XXXX ( XXXX ), a nightclub located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX and arrived at around XXXX and stayed for about 40 minutes. During which time I had 2 drinks valued at {$4.00} apiece, totaling {$8.00} in total purchases. The bartender before ordering the drinks told me how much the drinks were and requested my credit card to start a tab and then handed it back to me and said that when I was finished to come back to the bar and close out my tab and I could pay my bill. However, I was asked to leave prematurely without any explanation or reason while being pushed from behind by what appeared to be a male XXXX employee. The person who asked me to leave I asked him why I was being pushed out and had to leave, but he said he was unclear of the reason and could not provide any explanation. Nor when I asked about my tab was, he able to assist in resolving it. 
Moreover, on XX/XX/2023 I called XXXX though no one was available to answer or to return my calls. Next, I tried the owner of XXXX, XXXX XXXX at XXXX. XXXX seeking to resolve my credit bill though someone claiming to be his mother answered and said that she would have him call me back within a few hours, but I still havent heard back from him. 
My online account with Bank of America shows a {$150.00} charge from XXXX dated XX/XX/2023 of which I am presently disputing {$150.00} of it, minus the {$8.00} for the 2 drinks that I was served on the evening of the XX/XX/2023. I am requesting that Bank of America resolve the matter by reversing the disputed charge amount of {$150.00}.
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (DE)

I have canceled my loan in due time within the seven business cancelation period. I have done my duties in time to follow through with the cancelation. OneMain financial has done everything in their power to procrastinate the process by giving several excuses on why the can't cancel a loan I no longer wanted. They got refunds from my credit card companies they sent payments to. They would not fully comply on attempting to get a refund from my original title holders for my vehicle. They have been instructed several times on how to get the refund from my original title holders themselves. OneMain financial has been giving multiple excuses and run arounds about how they can not put the original title holders name back on to the title even after being instructed on to how to receive a refund. They had the representative call me on XXXX  XX/XX/XXXX and state that they need me to come to the office and sign a power of attorney to put the vehicle back into the original titles holders name which is XXXX XXXX. I went to the office to sign. Then I received a phone call on XX/XX/XXXX about how they can not put the title back into XXXX XXXX name. Onemain financial had the ability to put the title in their name. But is claiming they can't take it out. OneMain financial is trying to force me into keeping a loan in which I've canceled within their documented grace period and now OneMain states that they are keeping the Title to my car even after numerous attempts of following their guidelines into reverting the tittle back to my original debtor THUS TO NO AVAIL. Now I'm binded into a loan AGAINST MY WILL which is a violation of my Constitutional Rights. I went over the terms of my current loan situation and they have adjusted a loan agreement I did not apply for. The XXXX dollar advance I returned for the loan to be canceled was taken and my credit cards that was refunded won't be paid off. Onemain wants to hold the title to my car and submit terms on a new loan adjustment I haven't applied for or agreed upon.
Consumer complaint received 2024-05-15
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

These inquiries listed below are not mine and I want them to be removed immediately. 
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 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 Experian 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 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
Consumer complaint received 2023-08-11
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Great American Finance Co (IN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( 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 report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
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. (GA)

On XX/XX/XXXX, I sent in a certified letter asking for a proof of the record. I also asked them to re-investigate and delete or correct the disputed information. On XX/XX/XXXX, receive a notification online from Experian stating that it remains and was certified and accurate from company that reported it them. What is the name of the company that is reporting the record if the Bankruptcy court does not communicate with the credit bureaus. On XX/XX/XXXX, I also sent a certified letter to the US Bankruptcy Court asking do they report to the credit bureaus and third-party companies such as XXXX, they responded to my letter back in writing, stating that they do not report to credit agencies that they collect information from petitions. 

XXXX, a furnisher of consumer information, and Experian, one of the major credit reporting agencies, have violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and derogatory information, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I have fraudulent accounts and a address on my credit report. 


Fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-15
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.
Consumer complaint received 2024-05-12
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. (CA)

Original Creditor : XXXXXXXX XXXX Current Holder of the Debt : XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/2024 Status as of Last Update : Collection account, {$760.00} past due as of XX/XX/2024 Status Updated : XX/XX/2024 Balance as of Last Update : {$760.00} Balance Updated : XX/XX/2024 Original Balance : {$760.00} Terms : 1 Month Responsibility : Individual Details of the Incident : The account with XXXX XXXX was transferred to XXXX XXXX XXXX and is now reported as a collection account with a balance of {$760.00}, which was past due as of XX/XX/2024. The balance was first reported and has remained at {$760.00} since the account was opened on XX/XX/2024. No monthly payments were set up, as the terms indicated a one-time resolution in 1 month. 

Actions Taken by the Company : As of the last update in XX/XX/2024, XXXX XXXX XXXX has not provided any detailed statements or communications explaining the basis of the debt, nor have there been any attempts to negotiate or settle the debt prior to moving it to collections status. 

Actions Taken by Me : Upon noticing the collections entry on my credit report, I immediately sought to verify the details of the debt, as no prior communications or billing statements were received before the account was marked as in collections. I have yet to receive any response or documentation that validates the debt. 

Requested Action : I am seeking a thorough investigation into this matter, including the provision of all relevant documents pertaining to the debt and its transfer from XXXXXXXX XXXX  to XXXX XXXX XXXX. If the debt can not be validated, or if prior notification requirements were not met, I request the immediate removal of the collections entry from my credit report, and a formal acknowledgment of this correction.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit, and its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX.
Consumer complaint received 2016-05-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (LA)

I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you
Consumer complaint received 2024-05-15
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. (PA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

Affected accounts XXXX XXXX All XXXX XXXX  XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX XXXX XXXX All XXXX XXXX  XXXX XXXX All XXXX XXXX XXXX All XXXX XXXX XXXX XXXX All XXXX XXXX XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX,