davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc. (MA)

Account was dispute on the Credit bureu and response was that info is accurate. I called GLA on multiple accounts and my info like full social security was requested wich i decline to offer. 
On XX/XX/2020 I called the company wich I was answered by an collector named XXXX. I indicated I needed all the info regarding this account charges since they claim is accurate in order to move with this information to a lawyer since I assure the account does not belong to me. The collector XXXX who refuse to provide his last name for records indicated that he can not provide any info since I mention the word lawyer that the only thing he could help was if I volunteer to make the payment. 

He indicate that the call was being recorder and that he could not help with anything else. exept volunteer payment of the debt and no info can not be provided since the word lawyer was mentioned. 

I clarify once again that part of the process is for me to gather the info of the debt in order to move with a lawyer to make any additional request necessary. 

Currently the company is adding depts to my credit report and denying to provide debt information in order to clarify the identity teft.
Consumer complaint received 2024-02-26
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one has ruined my life!!! I have 3 credit cards with capital one. I had reported incorrect information on my credit report that capital one reported and my credit cards were removed from my XXXX  credit report by capital one. At the time i had a credit score of XXXX well because capital one keeps removing and adding accounts back my credit score today is XXXX and XXXX I am so livid!!! I was about to purchase a house so imagine my surprise when I was turned down for a mortgage. My credit report is wrong now it still says Im carrying a balance on one card for {$190.00} but my accounts are paid in full. I want capital one to restore my good credit and to be held accountable! I want to be compensated in some way because this has ruined my life I have a child  to send off to collage this year and now what am I supposed to do? My credit card company ruined my life how is this OK? I pay my credit card bills on time and this is what I get, no capital one not this time! I cant buy a stick of bubble gum thanks to this mess.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc. (CA)

USCB AMERICA is collecting {$2400.00} for XXXX XXXX XXXX. 

I have a medical health plan through my employer, and my XXXX online account shows there is no medical bill. I have not received any letters and messages from XXXX regarding this bill. 

Thanks
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

Cit-bank XXXX  Card I paid off this credit card in full. The next billing cycle I receive a statement bill interest after payment was made in full on XXXX. The interest charge was on XXXX. When I spent one hour on the phone I was told that it was interest from last month that ran from XXXX until XXXX. So right off the dates according to the phone operator XXXX and her supervisor XXXX I owed the interest. The dates I am not sure why this was not included in the total balance that I paid off here in question but also getting charged 4 days longer for this interest. I felt this interest was unfairly charged to me. I have paid the interest but I feel that I should not owe this amount. The introductory rate expired on the XXXX so I was hit with a 15.99 % daily from XXXX until XXXX. I thought paying off the entire balance before the end of the billing cycle send would not cause charges these fees nor was I notified with any truth and lending act that the rate was expired or going to change.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2020-06-15
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

I went to make my monthly grocery purchase at Sam 's club. At the check out on that day only and only at sam 's club none of my bank or credit cards worked at check out ( those cards worked fine at the gas station before I went to Sam 's club and when I bought dinner after I left ). I was issues a Sam 's club credit card with a XXXX available credit line. The cashier sneared at me as if I was broke and told me I could get my groceries if I pushed yes on the key pad. I pushed yes. The statement came a month and a half later and I got a text message that I was late on my payments for my groceries. I was assessed at 29 % fee. When I received the text message, I immediately made a payment to pay off the entire amount of the groceries that I did not need to borrow in the first place. I did not close the account. Just paid off the entire balance plus the late fee. My account was then closed and a negative mark was made on my credit report for making late payments and an overdraft. The card was issued by XXXX Bank. 
I had money in my account. When I went through the line at Sam 's club there was no reason to issue me a credit, The statement was very slow to appear a charged me a late fee and financing fees, and now I have record of a canceled account overdrafted late fees on my credit. The entire account was only open about 2 months, I have contacted the credit agencies about this and attempt to contact synchrony Bank. I have been unable to reach any customer service agent because it says I do not have an account with them. Because of their predatory lending scam and the negative mark they've left on my credit, it affected my auto loan. I should have been able to get a 6 % auto loan but I had to get an 11 % auto loan. All in all about {$50.00} was stolen from me by synchrony Bank, but the total impact will be about XXXX because of their abusive credit behavior affecting my overall credit score impacting my auto loan.
Consumer complaint received 2020-06-15
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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. (AL)

Reviewed most recent credit report from ( insert credit bureau name ) and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-09-16
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. (IL)

The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : 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 Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CO)

I have always paid my bill online every month with a the company and they always show that they receive my payment however, one time I received notice 30 days after i paid them that they never received the payment even when the website says they did. This has caused a 30 day late pay to show up on my report by no fault of my own.
Consumer complaint received 2023-01-06
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: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX JPMCB Card Account # XXXX
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (SC)

I'm not sure we I received a collection on my account. This isnt my debt. I would like this removed immediately. I never cosigned after the first year in XX/XX/2016. They have no records. This is not my account.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

EXPERIAN lowered my score XXXX XXXX  illegally for not accepting their add on services that they are XXXX using an old debit trying to process payment that they are unsuccessfully doing, and when I called to them to stop they removed it from my account and decided to be deceptive and abusive by lowering my credit score by XXXX XXXX and when I disconnected XXXX XXXX they also lowered my score by XXXX all in a matter of XXXX XXXX  This is illegal and someone needs to investigate this company for this abusive behavior on consumer reports.
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (CA)

Due to Covid-19 & the hardship of my income being depleted unexpectedly, I contacted Kia Finance toextension. 
payments extended. I was told I would have up to 3 months to extend, but would have to call in every month around the same date to do the extension. They approved me for XXXX & XXXX with little hesitation, but when I called in for the XXXX payment extension, they flat out denied my request. I reminded them that they initially told me I could utilize XXXX for disaster relief, but they said they were no longer offering it, & will not honor the XXXX month extension, even though not all businesses are up and running. I explained that I really needed this last extension, because I have budgeted everything I need too take care of for XXXX based on extending their XXXX payment. I will not have enough money this month to pay the car & insurance payment, because I had already extended the insurance to the limit. 
Kia is now acting heartless toward my situation. They don't consider I previously completed a 3 1/2 years lease at the beginning of this year with no problem, always paid on time or before the end of grace period & never missed a payment. I continue to have very good credit & do not want to destroy it by turning in the car over needing the one extra month granted they initially stated, but they are leaving me mo choice.
Consumer complaint received 2018-10-04
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. (NC)

Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.
Consumer complaint received 2022-12-31
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 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  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (AZ)

I had fraud on my account and my account was hacked which resulted to an investigation, after calling multiple times to get a status update and hopefully pay the existence balance I was told that I would be contacted after the investigation is done and I was told this XXXX times within a month. But unfortunately they still reported a missed payment on my credit report and saw a drop of up to XXXX points when I was not contacted or given a chance to make the payment. 

After contacting the credit card company they promised to fix it but after more than XXXX  days later nothing has been done.
Consumer complaint received 2020-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have loans with them going back to 2002. I've been making payments for at least 15 to 20 years, yet it hasn't made a dent in the balance owed. Last time I checked, it said that I still had 240 payments left. I had a total of $ XXXX in loans. At {$300.00} per month for 240 months, that would be another $ XXXX on top of what ever I paid already. Their collection practices are aggressive and they're destroying my credit. I get calls constantly on the phone, emails and letters sent to my house.This is got to stop. My complaint is the same complaint that everyone else is making. I need them to provide a full understanding of my loan and repayment policy to fully understand what I'm paying. A student loan should not be like a mortgage.I don't understand what I'm paying for anymore. I had a small student loan with XXXX. It's paid off and never had issues like this. It was straight forward and easy to understand what my payment was and how it would be paid off. 

I would like them to provide the full amount I paid so far and see how they have been applying it to my principal. If there are errors, then they need to correct it. Also, clean up the mess they did to my credit.