davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (NY)

living in one of the states most affected by COVID-19. I live in NY. I have been impacted by the virus and have been unsuccessful in reaching 3 of my creditors to discuss waiving of late fees, waiving of reporting derogatory information to the credit bureaus, discussing payment arrangements ( per their emails to their customers, like myself ). Not any of the 3 give any electronic communication options to contact them. They ONLY offer to call them by phone. I have attempted more than 100+ times, at all different hours, to reach them by phone and have been unsuccessful. I live on a limited income and have only a cellphone which has a limited minute plan. I do not know how to resolve this, get the benefits I am eligible per their email correspondence to me ( which has NO ability to respond to them via email ). I have just recently over the last 1.5 years worked very hard on improving my credit worthiness and my score. How can I protect my credit if I can not reach ANY OF THEM to preserve my credit and make use of their covid-19 benefits to those impacted? The 3 creditors are : 1. ) XXXX XXXX - credit card 2. ) XXXX XXXX - credit card 3. ) PayPal credit - line of credit by Synchrony And due to the inability to reach any of them my bills with them are now overdue. I have been trying with extreme effort to reach them 3 weeks prior to my payment due dates ... .and still trying to reach them. The high call volume has caused longer than normal wait times and mostly informed that due to the high call volume it is NOT possible to wait on hold and their recording states " Try calling another time ''. Please help me. Thank you
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My XX/XX/2019 account was reported late to all three credit bureaus by Capital One. However, I was never mailed statement for that month and had not consented to receive only digital statements. I informed the company of this, and they said they would not change the reporting, even though once I find out it was late, I made immediate payment. My card history on all accounts shows zero missed payments, which supports my claims. I have asked the credit bureaus to correct the error, but they simply believe Capital One without any investigation. I believe Capital One to be in violation of the cardmember agreement and federal consumer finance law by not sending me a required statement for charges incurred, but then reporting a late payment on that balance. I also believe the three credit bureaus are in violation of federal law by falsely reporting negative information even after I provided proof of the error to them.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

I have been ordering from this company 's catalog for years with no problems. I decided to get their credit card in 2020 and used it to order. My bills are paid every month on schedule ... .sometimes thru bank transfers but I use the US Mail with this company.

Their statement reflected a {$40.00} late fee one month. I felt this was unfair as I had mailed my payment on the usual date but they claimed it had arrived late. 
I decided to tell their company 's CEO how I felt about this and I sent the late payment with a letter and my cut-up credit card to the name and address given as their headquarters.. 
Another bill arrived with a {$90.00} late charge... calls on my phone came every day... sometimes more than once a day began. I explained to the caller that I had paid the original charge and where I had mailed it. This did not stop the calls. I received a letter from XXXX XXXX of their company stating that I still owed the late charge ... and my original letter and payment to their CEO was returned by the US Mail..unopened with address unknown and no forward ... .I gave up and sent XXXX a letter and check for {$97.00}. 
I just got another bill from them for {$130.00}!!
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2020 my wallet was stolen. I originally thought I lost it home, but it had been stolen, and I had not realized it until on the XX/XX/XXXX I was notified of a charge from XXXX  of {$250.00} through a XXXX transaction. I immediately notified my bank, the car was frozen, and I was given a provisional credit. About a month later the provisional credit was returned to my bank and I was notified that the case was closed. On the XX/XX/XXXX I  appealed the claim, but it was denied by my bank. I contacted my bank on the XX/XX/2020 and was told that it was not a fraudulent charge due to my unique spending habits, but I rebuked by saying that I had never even heard of the merchant. It was concluded that they could do nothing further and that I had to contact XXXX or that merchant, but it was not done through my XXXX, and I have had little luck finding the merchant.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I received a debt collection letter from CMRE FINANCIAL SERVICES INC, dated XX/XX/XXXX, stating that, XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. I do not owe this debt. I do not recognize this claim ( {$1000.00} ) and I have not taken any service from this provider after XX/XX/XXXX. 

The last service I had taken from this provider was on XX/XX/XXXX. The claim ( {$2000.00} ) was fully payed by my insurance provider XXXX ( {$1800.00} ), and me ( {$200.00} ), and I do not have any outstanding bill. 

This is not the first time XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. They did it before on XX/XX/XXXX with XXXX XXXX for the above mentioned service. I tried to contact both the service provider and the debt collector that time, but did not get any response from any of them. 

Please help me resolve this repeated harassment.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (NY)

I submitted a letter to Equifax dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is my third attempt trying to fix this problem with Capital One. On XX/XX/, I, XXXX XXXX completed an online application with Capital One for a credit card. Capital One never specified the reason they denied me of credit. Capital One base their decision off a credit score with companys XXXX, XXXX, and XXXX. 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to the Fair Credit Reporting Act Capital One included Congress law base on a decision expected to be used or collected in whole or in part which in law never disclosed being denied of credit. Capital One is using false and deceptive practices against I, XXXX XXXX the consumer! According to adverse action 15 U.S. Code 1681m you can only be denied for insurance and employment purposes only not credit. I, XXXX XXXX is the original creditor. Capital One also violated 15 U.S. Code 1681a ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the Truth and Lending Act I, XXXX XXXX is the the creditor which only a natural person can be an creditor. Capital One denied me of credit which is impossible to do neither in Congress laws speak of being denied of credit.
Consumer complaint received 2020-04-10
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. (TN)

Open Date XX/XX/2018 XXXX {$290.00} XXXX  Let a person open a account in my name and sent the credit card to a 8 year old XXXX XXXX that shoudive gave them a red flag u don't send a credit card to a XXXX XXXX u send a card to a fiscal address, this is wrong that XXXX XXXX  system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (CA)

My information is was used for some sort of membership from XXXX XXXX  XXXX XXXX  that resulted in it going to Collections after I realized it was being charged into my bank account and replaced my card with my bank. XX/XX/2020 this company sold the debt to Midwest Recovery Systems which is now reporting on my XXXX  credit report in error. Ive had an issue with false credit cards and inquires on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
Consumer complaint received 2020-04-10
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. (TN)

Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX and the cfpb.
Consumer complaint received 2021-10-19
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. (TN)

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and missed a payment. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA Response CFPB XXXX XXXX CONFIRMS XXXX {$170.00} XXXX {$170.00} see attatched statement XX/XX/XXXX transactions ( WERE ** ONLY CALLED IN UNAUTHORIZED XX/XX/XXXX, XXXX AND. *** THIS IS WHY USAA DID NOT PROVIDE FRAUD DOCUMENTATION COMPLETION LETTER ) see attatched ftc ID THEFT case XXXX ID THEFT XX/XX/XXXX - XX/XX/XXXX. Kindly Note USAA PROVIDED NO ACCESS OTHER THAN TO CALL IN. ( 4 ) emails NO XXXX ASSISTANCE XXXX provided upon request. USAA PROVIDED NO OPTION BUT TO CALL IN. see attatched Fraud Letter XX/XX/XXXX FRAUD CLAIM DATE {$470.00}. Kindly note this does Not include the XX/XX/XXXX XXXX Unauthorized Transactions. see attatched Statement XX/XX/XXXX Kindly Note USAA DID NOT PROVIDE USAA FRAUD CREDITS {$470.00} FOR XXXX TRANSACTIONS OR CREDITS FOR XX/XX/XXXX FRAUD COMPLETION DOCUMENTATION. USAA IS MOST DEFININITELY ** NOT XXXX ACCESSIBLE. ** USAA DESTROYED MY CREDIT. XXXX USAA COLLECTS ON ID THEFT. XXXX USAA DOES NOT FOLLOW THE LAWS OF FAIR CREDIT.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I entered XXXX XXXX to purchase a vehicle. It had been negotiated and paid for by wire transfer. 

I was requested to fill out a " worksheet. '' I asked if it was a credit application because I was paying cash and would not consent to a credit inquiry. I was told it was not. I asked a second time based on the info requested on the form. I repeated that I don't consent to a credit inquiry because I am paying cash. After I completed its, I repeated for a 3rd time that I objected if a credit report was ordered. 

Shortly after I left the dealership with the vehicle, I received an email that a credit inquiry was made by the dealership. 

The dealership was deceptive and abused its power to order the report. I don't know why it was done since it spent 45 minutes verifying my identity. If they told me the information necessary in advance ( for example as CA DMV does for Real ID ) I would have brought it with me. This delay tactic is abusive since they have been paid {$43000.00} so it made it difficult to leave or complain. I was there so long that I left without being paid for a trade in. Initially, they behaved as if it was a common practice. When questioned they reluctantly admitted a signer was not available. I no longer believe that and it seems just a technique to negotiate better terms and pricing on the trade in and to take my focus off objecting to the credit report. 

It may be discriminatory. I am XXXX XXXX. Am I being treated the same as other all cash buyers or the subset of those buyers who object to a credit report? If they find ways around it for other buyers, why did I not receive that option? The appointment was set up 2 days in advance. I very clearly objected to a credit inquiry three time while at the dealership. The report was not ordered until after I left the dealership. When rules are discretionary or made up, it is common for minorities to be subjected to shoddy behavior like this. I didn't deserve this treatment and others like me don't deserve it either. 

The credit agencies need to be on formal notice and can be accountable for the rogue and abusive practices of your customer, XXXX XXXX. It has used your agency to order a report against my will and without my permission. It called the credit application a " worksheet. ''
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act. The list of below accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 by 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have 3 hard inquiries from XXXX credit on my Transunion report provided by XXXX XXXX Two from XXXX XXXX on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have closed my credit card account with Citibank ( the last four digits at XXXX ) and I have a credit balance on my account of {$290.00}. 

However, Citibank refuses to refund the credit balance back to me. 

I have called them, sent them letters, emails and had and online chat. 

However, citibank refuses still to refund my credit balance.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (MN)

I have 3 hard inquiries from Volkswagen credit on my XXXX  report provided by XXXX XXXX. Two from VW credit on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.
Consumer complaint received 2020-04-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.