davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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. (WA)

This is my second complaint about this issue, as it was assumed a third party submitted the complaint, but that is false as it was me. The complaint ID for my previous complaint is : XXXX. As a response, I've attached a new document, " Demand of Removal ( Attached ) '' confirming that I am not a third party and it is I the consumer submitting the complaint. I've also attached the previous documents I attached. 

I will repeat the problem below : I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Experian, which is a violation to my rights to privacy as a consumer. Furthermore, Experian exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.
Consumer complaint received 2021-07-02
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. (DE)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-03-16
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: Receivables Performance Management, LLC (TN)

There is a collection on my account that says I owe XXXX from Receivables Management. I have never heard of this company, I have no signed contracts with this company, I am unsure of how this company has my information. I have called the company and advised them that I am unsure of the account and unsure of how they got my information. They were unable to provide me with a signed or consensual agreement that says that am associated with this balance or the company,
Consumer complaint received 2021-06-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (KY)

I have two entries on my credit for XXXX for a XXXX loan that I did not take. They have reported negatively on my credit as XXXX XXXX and their collection company AD Astra Recovery services. XXXX and AS ASTRA RECOVERY has failed to provide a legitimate contract to me oweing the debt.
Consumer complaint received 2023-03-08
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. (TX)

15 USC 1681 Section 602 A : States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MN)

I purchased carpet in ~ {$6500.00} from Lowe 's at 0 % promotion for two years using Lowe 's credit card which is managed by Synchrony bank, the term of 2 years was ending on XX/XX/2021. I made regular monthly payments in last two years and brought the balance down to {$1100.00} in XXXX, XXXX. Somehow I thought my promotion was ending in XXXX, XXXX, but when I checked my online account on XX/XX/2021, I found out that I was charged {$2700.00} interest. I called the customer service and talked to an agent, she told me that if I make a payment of remaining Balance of {$1100.00}, the whole interest of {$2700.00} will be waived. I made the payment of {$1100.00} over the phone which was posted to my account on XX/XX/2021. But interest charged was still there, I called back and I was told again by an agent that interest removal request is still in the process and will take couple of days. I called again after the couple days, I was told again wait for few more days. I have called at least 7 times since XX/XX/XXXX and as of today this interest of {$2700.00} is still showing as an outstanding balance and agony is that they have charged {$63.00} on top of that by end of billing cycle. I called again yesterday and spoke with 3 agents, and supervisor and they still gave me the same message that this interest of {$2700.00} will be removed but they don't give me a definite date or timeline. This has created an unnecessary tension for me that charging {$2700.00} on {$1100.00} for a day is exorbitant amount of interest doesn't make sense and then it has been more than a month they have been telling me that it'll be removed but still haven't removed it and on top of that charging interest over interest. This is a blind exploitation and extortion against innocent consumers. Please help alleviate this tension for me, thanks.
Consumer complaint received 2021-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (MI)

I got ta notification from my XXXX XXXX app that a loan had just been reported under my credit history. I never applied for any loan. So I checked the credit karma app and I saw a loan of XXXX $ It was approved through money lion under my name, It was opened XX/XX/2021, I never applied for this loan and I only just found out about the money lion loan on XX/XX/XXXX when I checked my bank statement and I saw a transaction of XXXX $ and also XXXX $ from money lion. Thats how I found out a loan was active under my name. 
I have submitted a dispute through XXXX XXXX on XXXX XXXX. 
But I have also tried to call money lion company customer care but they dont help much.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$3000.00}, {$3100.00}, {$540.00}, 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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$540.00} -This is not my account. 










I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I have been contacted multiple times over the past three weeks by Wakefield & Associates to collect a debt that I paid off months ago with a payment plan from another debt collection agency. They have called me 12 times in the last week between the hours of XXXX and XXXX when I am at work and can not take phone calls, and 41 times in the last three weeks. When I try to call back, I either get no answer or the line is disconnected. I have expressed multiple times to not call me during my work hours, and that I have paid this debt, but they continue to call me during hours that I can not pick up the phone. They have harassed and threatened me over a debt that has already been paid. I paid this debt in full almost six months ago, and it is getting to the point that it is causing me mental distress to get these phone calls, as the debt was from a very traumatic medical experience. I do not have any other debt than student loans at this moment and I do not know why I continue to get called and harassed by this company.
Consumer complaint received 2021-07-03
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: SYNCHRONY FINANCIAL (IL)

I have had my Sam 's Club Mastercard ( issued by Synchrony Bank ) for over 5 years ( since XXXX ). I have never missed a payment and I have always paid on time. I always pay the balance in full. 

Yesterday ( Fri XX/XX/XXXX ), I looked at my account online and I discovered the company closed my account. I called them and they informed me that it was closed due to my being a " high credit risk. '' The woman was confused because she noted my impeccable payment history. I informed her that a year and a half ago, the pandemic caused my investments to crash, which forced me to settle with my other unsecured creditors, but that did not affect my Synchrony accounts at all. I kept current with every payment. 

In fact, I use the Sam 's Club card so much that I have already accumulated {$730.00} in cash back rewards even though only half the year has passed. When I asked if I will get that, she said no ; it is forfeited. I have a problem with that. How can they unilaterally shut down my account, and refuse to pay the cash back bonus that I have legitimately earned? 

To rectify my complaint, I request these two : ( 1 ) I would like them to reopen my account, or ( 2 ) I would like them to honor the payment of my earned cash back reward bonus.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (GA)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2021-07-03
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. (NE)

Experian isnt reporting certain items as being under dispute. Ive submitted the dispute on XX/XX/2021 and they have not reported these items as under dispute which is grounds for deletion of said accounts. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Ive linked photos to show that some items I disputed are under dispute however the items I linked with the dispute on XX/XX/2021 are not and havent reported as being under dispute.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

I contacted Lexisnexis and notify them that I opted out of there company over 6months ago, I also notify them that it against the law to report without my consent, My records should no longer be in there system and lexisnexis did nothing there reporting still unauthorized They are Violating my privacy without my consent
Consumer complaint received 2023-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Several times i have contacted capital one about inquires on my credit report which it was supposed to be deleted due to me not giving them authorization to run my credit as of XX/XX/2023 it ; XXXX more on my credit report.
Consumer complaint received 2021-07-02
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. (CA)

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Chase closed my Chase Sapphire Reserve credit card. This card was up to date, had no balance. They closed it because of inactivity and STOLE all the points I had earned. 
This card is specifically marketed as being for travel. I had not used it due to the pandemic and the limitations on travel. 
Without notice Chase closed the card, denied me access to the account, and stole the points. 
This is a SCAM. They are making millions and millions of dollars a year stealing points from people who have open and up to date accounts. Once closed the customer has no repercussions. I was told today XX/XX/21 there was none else to talk to and my account was closed. Forever. 
Points have a real world monetary value. This is XXXX.
Consumer complaint received 2021-03-16
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. (AL)

On or around XXXX, I disputed 2 items with Experian that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Experian, but they fail to do a full investigation and said they were mines. 
Here is the info for the dispute results Report Number XXXX Date generatedXXXX XXXX XXXX and Report NumberXXXX Date generatedXXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (NV)

I leased a new car on XX/XX/XXXX from XXXX XXXX. The lease was financed through GM Financial. I wanted to sell my car to XXXX and received an offer for {$20000.00}. When I tried to finalize the deal with XXXX on XX/XX/XXXX, I received an email from XXXX stating that they " are prevented from being able to purchase leased vehicles from this provider ''. They listed a total of 10 providers that they could not purchase leased vehicles from. In further research, I found that GM Financial issued a new policy effective XX/XX/XXXX stating that no GM Financial leased vehicle could be traded in or sold to any other financial entity other than GM Financial. In other words, they restricted me from trading or selling my vehicle to XXXX, XXXX, or any other dealer that did not fall under the GM financial umbrella. That is stated nowhere in the lease and is just an abrupt change of policy to allow GM Financial to obtain the gain that has occurred on the lease due to the rise in Used Car Prices over the past year. It is an unusual situation that has provided much more equity in the leases than usually occur over the life of the lease. It is a complete money grab that disallows the lessee from being able to obtain those funds and prevents the lessee from the freedom of where and to whom they can sell their car. Past precedent has always been that a lessee could trade in or sell their car anywhere they chose and this practice has been going on for years. When I obtained the lease, this restriction was never explained or disclosed to me and was not in effect at that time. This abrupt change in GM Financial 's policy is unfair, egregious, and limits my ability to trade in or sell my car when and where I want to. It is my opinion that they do not have the authority to prevent me from trading in or selling my car. Their only concern should be that they receive the full amount of payments due on the lease so that they are made whole as outlined in the terms of the lease agreement. That is no different whether it is a loan or a lease as both transaction result in a lien notice on the Title. In this instance, XXXX and any other dealer that I try to work with to trade in or sell my car will NOT be able to complete the transaction because GM Financial ( and the other financial entities listed in the XXXX email ) will NOT provide the Payout amount to the dealer and thus will NOT allow the car to be traded in or sold.
Consumer complaint received 2018-03-21
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. (LA)

The credit bureaus indicated that the results of their investigation was accuate, however I have a letter from XXXX XXXX that the credit bureaus were instructed to remove this account from all credit agencies. The letter is attached
Consumer complaint received 2023-03-08
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CONVERGENT OUTSOURCING plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Conduent Incorporated (VA)

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXX XXXX, Way2Go card-commerica bank, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name