davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

Around XX/XX/2022, I had a credit card balance of {$420.00} for the apple card.  I used another credit card to pay off that {$420.00} ( since they had a promotion ). This is the second time I have used this other credit card to pay off the apple card, and I only do it to pay off an entire balance. Two days later, I received an email from XXXX XXXX informing me that I was invited to their store to purchase a XXXX XXXX I decided I would use the card that Friday for the XXXX, and it was the only big purchase I made on that card. That Friday, I made the purchase which jumped the balance to $ XXXX on XX/XX/XXXX. Since I was buying it for a friend, he sent me most of the money, and I immediately paid off {$340.00}. The balance dropped down to XXXX XXXX. After waiting a week, I noticed that the balance stayed the same because of the payment I made on XX/XX/XXXX. So I called Apple card support the first time, and the woman said everything was correct ( no, it wasn't ). The second time I called, another woman said that the offline payment still needed to register and that I should wait until the end of the week XXXX XXXX  for an update. The balance didn't change, so I called a third time ; another woman on the line said the same thing and said she would escalate to her supervisor. I got an email days later stating that my balance was around XXXX XXXXXXXX and the balance shown was correct, which is not.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I received a call from a debt collector about a debt that is not mine ; I told the person the debt is not mine. I have medical insurance so I don't owe any past due medical debt. they put the debt on my credit, XXXX, and I disputed and it was removed, but then the company put it on my XXXX   report ; I disputed and XXXX said the debt is validated. I asked for some sort of documents to see the debt and received nothing but a statement on my credit saying its being reported fairly.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (GA)

XXXX Account was frozen, billed at {$10.00} per month until XX/XX/2020 XXXX Billed Full amount of $ XXXX ( should be {$10.00} ) Got a doctors note stating that I still can not exercise, Account should remain frozen. I have a receipt that for the payment of this. 
XXXX Billed full amount of {$90.00} ( Covid-Gyms were closed- Should not be billed ) XXXX Bill Full amount of {$90.00} ( COVID- Gyms were still Closed-Should not be billed ) XXXX gym reopened XXXX Reached out to the business to let them know I have a doctor 's note that my account should be frozen, business would not accept my doctor 's note XXXX Billed full amount of {$90.00} ( account should be frozen {$10.00} ) Late Fees : {$38.00} As you can see for the month of XXXX there should be no bill due, gyms were closed due COVID government mandate. The business would not accept my doctor 's note, I explained to them that due to COVID everything was shut down and the doctor 's note did not arrive quickly and they mentioned they can not backdate anything. 

Incorrect Billing Amount : {$390.00} I paid for the month of XX/XX/2020, have a receipt for documentation.
Consumer complaint received 2017-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.
Consumer complaint received 2020-09-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

The debt is from XXXX XXXX that claims I took a student loan out with them back in XXXX. I have never done business with XXXX XXXX after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is 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 2020-09-29
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

Chase XXXX Credit Card is charging interest on the full amount owed at the end of the month. Even if you pay off the balance. For example : Balance is {$3000.00} to start Added {$4000.00} during the month Paid off {$7000.00}. 
Chase charged me interest on the full {$7000.00} even though it was NOT carried over to another month.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

CCS Collections is a third party collection agency the is attempting to collect for XXXX XXXX company in the amount of : {$200.00} I have no knowledge of this debt and never received any notification from this agency in writing or otherwise regarding my rights to either dispute and or request to validate this debt, pursuant to the Fair Debt Collections Practices Act, the Fair Credit Billing Act or the Fair Credit Reporting Act 609. 

My rights as a consumer have been violated by this agency
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC (MI)

Between XX/XX/2023 and XX/XX/2023, CNAC charged off my loan as bad credit and then also proceeded to add an ADDITIONAL hard pull on my credit report WITHOUT my consent.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I got approved for this car loan on XX/XX/XXXX I purchased my car the same day from XXXX XXXX, I returned the car to the creditor CreditAcceptance a few months later due to expensive mechanical issues. The car was sold on XX/XX/XXXX for XXXX but this creditor never contacted me to inform me about how much would it be the difference to pay for me to close this account and get it off of my credit. I found out they sold the car 7-8 months later after hundreds of call I basically spoke with the whole creditor company. i also requested the creditor to adjust that money they got for the car sale to my account but they instead offer me a suspicious 80 % percent discount of this bill and keep reporting late payments on my credit report when I actually owe them nothing I was also told they had a few action market fees but I still dont get why my bill is XXXX when the money they got for the car covered the money I owed to the creditor I have requested and I keep requesting a sale receipt for me to dispute this but the company refuses to send me this receipt all they keep saying is that they send it to my address but I dont be getting any mail from credit acceptance I needed it to prove the credit bureaus my statements. I disputed it to the credit bureau but my results wasnt positive due to the Creditor says my bill is accurate but this creditor hasnt sent me my car sale receipt yet.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (GA)

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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; EXPERIAN XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-09-29
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. (MI)

Experian you closed my complaint stating you sent my complaint to the furnisher and you do not owe me {$2000.00} under the Fair Credit Reporting Act that it is against the law because it is your responsibility to make sure furnisher send you correct information. Within 30 days send me your lawyers name and address where I can send lawsuits.
Consumer complaint received 2020-09-29
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I'm on the phone with " XXXX '', the second person I've spoken with, trying to close my account. It has been XXXX minutes. Both these individuals have lied repeatedly, claiming to need information about my other credit cards, checking and savings accounts, verification by texts, passwords, last XXXX numbers of the account I use to pay the invoice -- all to simply close this account. XXXX refuses to close it and wants me to call back later. He has said " just another second '' at least XXXX times. This is simply a stalling technique. He is now demanding to know how many times I tried to charge each of the charges that were declined. Because I could not say how many times I tried to charge a particular purchase, he insisted he could not close my account. Finally, he asked what I meant by " close my account ''. Then he asked me to call back. He's clearly trying to get me to hang up so I can't close the account. Now after keeping me on the phone for XXXX minutes he's transferring me to another account specialist. I object. He does it anyway. Says he does not have the power to close it. Now he puts me on hold. Now I'm talking with XXXX, who tries to convince me not to close the account. At XXXX hr and XXXX min he finally closes my account. I ask to whom I can complain about these abusive practices and he will not tell me.