davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Corporation has reported a Kohls credit card to the consumer report agencies that's not allowed. A consumer reporting agency is defined under 15 USC 1681a ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

15 U.S. Code 1681a - Definitions ; rules of construction States ( 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 ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term person is defined under 15 USC 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Well all of being said and proven in the congress federal law a Kohls credit account should not be reported to the consumer reporting agencies such as XXXX, XXXX, and XXXX. 
kohls is indeed violating this law I would advise them to go back and read these laws and educate themselves I can't make any of this up. They are reporting an illegal credit card account on my consumer reports.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (MI)

Every month I have to call Paypal credit because there is an issue with my account. XXXX 's statement showed I owed {$2400.00}. The correct amount owed was {$2300.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that was not properly credited to my account per the representative I spoke with. The Easy Payment, payment due is {$130.00} a month, I had to make a payment of {$140.00} due to the additional {$170.00} showing owing on my account. 
This month 's ( XXXX ) statement shows I owe {$2300.00} and am now being charged interest. The Easy Payment items only total {$2100.00}, now a difference of {$150.00}. 
The monthly payment again is {$140.00}, higher than what the Easy Payment plan requires. 
If they ever get this straightened out, there will be an issue with allocating the overpayment amount. 
As I stated earlier, this occurs every single month since SYNCB has bought Paypal Credit.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (CA)

I havent received or accrued any cash back in 3 months and two weeks. I have called and emailed multiple times with no resolve. They confirmed last time I accrued cash back was XX/XX/23
Consumer complaint received 2020-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 per my credit report Capital One Auto Finance did a credit check without my authorization. My credit file at the time had a fraud alert due to prior comprised file. Capital One never spoke to me nor did I authorize a third party to share my information. Capital One Auto contacted me and I never responded to them cause I had credit already. Capital One needs to prove they spoke to me on a recorded line directly and my consent was given. They need to remove the inquiry.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
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. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached
Consumer complaint received 2020-04-15
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. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached
Consumer complaint received 2024-03-21
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-04-15
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. (TX)

collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  all ftc violations will be attached
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NM)

Several invalid and erroneous medical bills have been sent by the University of XXXX XXXX ( XXXX ) Hospital and XXXX XXXX XXXX to Transworld Systems , Inc a collection agency. The accounts are deemed inaccurate due to the fact that XXXX Hospital and XXXX XXXX XXXX have inaccurately billed for unknown services. Several requests have been made to both Transworld and XXXX for detailed cost information to support the various accounts in dispute. To date, I have only received back-up data for account # XXXX on XX/XX/XXXX and subsequently paid in full on XX/XX/XXXX [ see enclosure ]. This matter has been ongoing since XX/XX/XXXX. I have spent an enormous amount of time trying to resolve this issue with XXXX and Transworld. I have been going in circles with both companies as XXXX will not provide information or discuss the information as they state the records have been sent to collections. Transworld states they do not have any additional information and that I must contact XXXX to obtain copies of the records. This issue has negatively impacted my credit report and score. 

I have not received supporting information for any of items listed below. After disputing the various collections, items 1 through 4 were previously removed from my credit report ; however seem to have resurfaced. Considering the negative impact item 5 was having on my credit score, I went ahead and paid in full without ever receiving any back-up documentation. 

The records in question are highlighted in the attached credit report. 

1. XXXX XXXX in the amount of {$200.00} ; no supporting data 2. XXXX XXXX in the amount of {$200.00} ; duplicate charge 3. XXXX XXXX in the amount of {$200.00} ; duplicate charge 4. XXXX XXXX in the amount of {$520.00}. Paid XX/XX/XXXX 5. XXXX XXXX in the amount of {$920.00} ; no supporting data Paid XX/XX/XXXX
Consumer complaint received 2020-04-15
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Citi Group Issued Double cash card. For example, charges from XXXX appeared starting XX/XX/2020. I HAVE NOT USED XXXX IN XX/XX/2020AND I HAVE NOT AUTHORIZED ANYONE TO USE MY CREDIT CARD TO PAY FOR XXXX. I HAVE NOT BEEN in XXXX XXXX or other cities/stated the crarges originated from in XX/XX/2020. 
Multiple times I informed the credit card by online messaging and on the prone about a number of fraudulent charges starting XX/XX/2020. fraudulent charges. At the moment AFTER MULTIPLE ATTEMPTS FOR MANY DAYS I am unable to access my online credit card account. After long wait, after reaching customer service representative the either hang up or transfer again to the waiting queue without doing anything. 

The CIti online system does NOT work! I am unable to reach my credit card account! 

I will NOT pay my current statement charges loaded with fraudulent charges unless they are removed and the breach is addressed by Citi Group.
Consumer complaint received 2020-04-15
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. (VA)

The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX
Consumer complaint received 2020-04-15
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. (VA)

The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I have attempted to close my credit card account as my annual fee is hitting. ( I got an email with my statement. ) When I go to log into my account online, I log in, but I cant access my credit cards at all. Even if i wanted to make a payment its not even possible. I also called the number on the back of my credit card ( s ) [ I have 2 with Citi ], and when verifying by phone number or social security number, they dont recognize me at all? 
I haven't changed my phone number at all since I've had any account with Citi, and I see no reason they wouldn't be able to see which credit cards I have by my social security number. 
Also when trying to get a hold of a representative through their automated phone service, I get the reply '' I'm sorry were currently experiencing extremely high call volume ... '' and immediatly get hung up on with no callback option or anything. 

What am I supposed to do? I want to close all of my accounts with citi at this point. 

From the email that shows my balance It has the option to view statement ... I cant even access that when i try to log in either. 
Statement date : XX/XX/2020 Payment Due Date : Saturday, XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have attempted to contact XXXX, Experian and XXXX. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

On Tuesday XX/XX/2020 I received a letter from Credit Collection Services XXXX XXXX XXXX XXXX, MA. XXXX XXXX Their letter was an attempt to collect {$170.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This is in reference to a homeowner policy XXXX. I had previously faxed a request to cancel this policy to XXXX effective policy renewal of XX/XX/2020. XXXX chose, on their own accord, to continue coverage, then to cancel the policy on XX/XX/2020 resulting in a {$170.00} bill. I did not want to continue insurance coverage with XXXX therefore the reason I submitted the cancellation request. If XXXX had processed the cancellation as requested no amount would have been billed.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I contacted PHH Mortgage today ( XX/XX/XXXX) and advised them that due to COVID-19 I could not make my mortage payment BUT I could pay the principal and interest on time ( by tomorrow which I have done anyway ) and then the escrow amount when my stimulus check arrives, hopefully within the next two weeks. 
They indicated to me that the payment of principal and interest would be placed in a suspense account until the escrow amount was paid and I WOULD be charge a late fee. 
That does not seem ethical. The escrow funds belong to me not to the lender, it is my money that they collect as a convenience to the mortgage holder NOT REQUIRED. The principal and interest is being paid on time and that should not be subject to a late fee, after all they are collecting interest on the money that they are holding and not applying to my account. 
My only option is forbearance which I don't really need, nor do I need the additional interest being accrued during the forebearance period. 
I appreciate that they have a forebearance program for people but that is not what I am asking for, only that they waive late fees.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

On XXXX XXXX I contacted Discover customer service through their website chat application. I had received a 30 Day late report and I wanted to avoid further delinquency on the account. I told the agent who I chatted with that I was unable to pay the full balance on the account due to continued hardships due to Covid 19. I then told the agent I was unable to pay more than {$120.00} of the balance due. The agent stated they would accept the amount and then offered me a payment reduction plan that would lower my interest rate and my monthly payment and if I would be interested. I inquired if this would result in my account being closed and was told it would only be a suspension. I agreed to the disclosed terms of the agreement and authorized a {$120.00} payment. I then asked the agent if that payment would apply to the XXXX payment or if I would need to make an additional payment. He responded correct and that my plan would update to reflect the agreed up on {$100.00} payment for XXXX. On XX/XX/XXXX I received an email notification that there was a change to my credit file. When I reviewed my credit file Discover reported a 60 day past due on my account. I again contacted Discover through the Chat feature on their website and was informed that the arrangement I made did not stop the delinquency and it would continue to report. When asked why this wasnt explained in the XX/XX/XXXX Chat the agent apologized and stated there was nothing that could be done. I further asked why wasnt I afforded deferment or some other relief as that was the reason I contacted Discover to prevent further delinquency I have yet to get a reasonable explanation. I was informed by the agent that when asked if I could make a payment and I stated not more than {$120.00} that was an offer of deferment.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (PA)

My card is locked and I've been trying to reach someone over American Express Serve to resolve the issue with no lock. I cant access funds or receive funds because of the issue with the card. I need help getting the card unlocked or to get a new card.
Consumer complaint received 2020-04-15
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. (VA)

The following accounts are fraudulent and unauthorized by me, i do not know where these accounts come from other than when my wallet was stolen from the gym. Please remove and block these unauthorized accounts from my credit file. 

1. XXXX XXXX 2. XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above . 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For OPEN XXXX XXXX XXXX accounts only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above. 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. 
Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX