davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I was injured in XX/XX/XXXX and needed urgent XXXX XXXX XXXX XXXXXXXX. The doctor I went to told me it would cost {$4000.00} cash ( I don't have insurance, I'm a XXXX XXXX ) and offered to open a Care Credit account ( managed by Synchrony ), telling me it was interest free as long as I reimbursed regularly. 
After the surgery and for a year I made the payments religiously and brought the balance down from {$4000.00} to {$2700.00}. 
On XX/XX/XXXX, the anniversary date of the account, they charged me {$1000.00} in interest fees - 26.99 % of the original amount, despite my regular payments and the fact they were not owed that money. 
When I contacted them, they refused to explain the calculation and told me it was my fault, I should have known and this was it. I offered to pay in full and negotiate the fees because I had already paid {$1300.00} and I have a great credit score. They were rude, told me there was nothing to discuss and I was wasting their time. 
I ended up payment {$5000.00} for a {$4000.00} procedure because my doctor suggested Care Credit. It's a scam. The APR of my regular credit card is 13.9 % and they are accommodating when I have financial difficulties like what happened with Covid.

Synchrony is just a loan shark peddled by doctors who are probably in on it. Disgusting and a great disservice to the American people.
Consumer complaint received 2019-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

According to the documents it provided. I believe I get Identity Theft because I am not in the United States and the moment, and the spelling of the signature on contact is wrong. I contacted the IQ Data to discuss the issue, and report to the credit bureaus.

I also report to the police and IQ Data and it client should validate before filling to my account. The credit bureaus even get any soft pull request from the apartment for credit history check. 

Please remove the mark that not belong to me. Thank you.
Consumer complaint received 2024-02-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Dear Experian, XXXX, XXXX Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? 
I have sent several letters to ( Experian, XXXX, XXXX Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. 
If you have any questions please feel free to contact at the number listed above. 


Please review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Getel Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between Experian, XXXX and XXXX it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus
Consumer complaint received 2023-01-20
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX 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 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/21 I did a balance transfer from my credit card ( XXXX XXXX ) to my husbands 's credit card ( Barclay 's UPromise ) I mistakenly only typed the first 12 numbers of his account when I did the balance transfer which you will see on the check copy provided. This payment has never posted to my hudband 's account. I redid the balance transfer in XXXX which cleared on XX/XX/21 and Barclay 's posted it letter attached. I have reached out to Barclays several times since XX/XX/XXXX to see where the first payment is sitting and they keep on delaying. On XX/XX/XXXX I faxed information over to Barclays and they keep on opening another case to research this.
Consumer complaint received 2019-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Paypal told me : " to offer assistance with respect to your withdrawal options unless a valid photo ID or equivalent is supplied for the primary name that was provided at the time your Account was created, XXXX XXXX. ( end quoting )
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

My account was open XX/XX/XXXX with a credit limit of {$500.00}. I entered a Covid relief program in XX/XX/XXXX due to financial hardship. The program ended in XX/XX/XXXX. Shortly after XX/XX/XXXX my account was closed after I paid off my card. They state the reason being due to my Financial hardship can't afford the card. The program never said that after payment my card would be closed. If I knew that was a possibility I would never had entered the program. My bill was around {$300.00}. I was never informed of the closing of the account also. I spoke to someone trying to get it reopened, they said I would have to re apply for the credit card. This caused my credit score to drop.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit systems.
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

Someone by the name of XXXX from Midland Credit Management keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

My credit report is showing XXXX XXXX XXXX ( XXXX XXXX XXXX ) is reporting fraudulent information on my credit report. This account is preventing me from fair housing. Why should I be homeless because of this harmful information. The address that they have on file is not my address.
Consumer complaint received 2023-01-20
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. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30, 60, and 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted Experian multiple times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30, 60, and 90 days late since it's a closed account & Ive never been late. Please investigate this matter & update accordingly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I used Citizens Bank XXXX service to send a deposit of {$400.00}. This was to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX for a private dinner event scheduled for XX/XX/XXXX. After I sent the deposit, the chef did not communicate with me to confirm details of the event and never showed up for the event. I contacted the bank to report the scam and obtain a refund since the service I purchased was never provided. I was told they couldnt do anything despite the fact that I was scammed.
Consumer complaint received 2024-02-20
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, XXXX XXXX and Experian I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. 

The unauthorized inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible. 

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

Comenity bank continues to call both me and my girlfriend over a debt that is owed by my niece XXXX XXXX of XXXX XXXX, XXXX. We live in XXXX XXXX XXXX XXXX and I don't even remember the last time I spoke to her and my GF has never even met the woman. I have repeatedly told them to remove my and my GFs phone number from their database but they continue to call us harassing us about getting in touch with XXXX. I have provided Comenity much detailed information including XXXX XXXX phone number and address, her husbands phone number and address, their XXXX pages, their business phone number and address and even their father 's phone number and email address. They refuse to stop calling us and it needs to stop. The phone number they are calling from is always different but they want us to call XXXX.
Consumer complaint received 2019-11-27
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. (OH)

The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX XXXX XXXXXXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX VA XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my XXXX XXXX. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and Experian that for the month of XX/XX/XXXX that I was 90 days late but with XXXX they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, Experian that I was 150 days late and with XXXX that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Consumer complaint received 2021-12-22
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. (GA)

XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my credit score. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with Equifax they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, XXXX that I was 150 days late and with Equifax that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc. (SC)

XX/XX/XXXX CBE Group Texted me at XXXX The Text did identify CBE group as a Debt Collector XX/XX/XXXX CBE Group Called me at XXXX. The person Calling Refused to answer the question " Are you a Debt Collector '' a Violation of FDCPA. CBE is Required by Federal Law to answer that question. The Caller also Refused to answer the question " What is the purpose of your call '' asked twice by myself I Do have the right to know Why they are calling & I Do have the right to know if or if not that they are a debt collector The CBE Group XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello. I am a consumer whose rights were violated by Equifax, XXXX, and XXXX. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to Equifax, XXXX, and XXXX on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know Equifax, XXXX, and XXXX received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

Someone opened a Wells Fargo checking account in my name, had an IRS tax check deposited into it, and then quickly cashed the money out. I can view physical copies of the 4 checks, so I would appreciate it if someone could try to trace who did this.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

In 2015 went to a dealer in XXXX XXXX California, and secured a loan by wells fargo bank on a used vehicle.Found out later that the vehicle was salvaged.Believed that my down payment was applied incorrectly, and a high interest weight.
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021, my debit card was charged {$4100.00} via something called XXXX XXXX, which at the time cleared my account completely. I immediately reported the charge as fraud. I expressed to them that my phone was stolen, leading me to having to get a new phone. The charge was made via a virtual card, meaning whoever completed the transaction had to have had access to my phone, I assume. Even in telling them that, they declared the charge authorized which leaves me with absolutely no money for the holidays and the new year. Ive never made any charge over {$1000.00}, why would I clear my entire account of $ XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has been doing me wrong for years ATM fees overdraft fees etc and also I'm XXXX and I have direct deposit but they wait till the end of the month to take their fee out right after I'm about broke they do a lot of shady stuff I'm not sure what all they have done to me it's been so much mostly ATM fees and overdraft fees that it was unruly unnecessary