davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I was approved for three separate loans from this company to finance the dentist   charges and All three debts Are Paid off In Full** This company makes monies by charging fees and or interests rates on loans Not Paid on their due Dates which I was and am Fully aware -so as not to incur any additional charges I inquired several times ( contacting this company ) of the third and last loan in Order to pay either on time Or in advance : I was told which dates to pay and complied ( BY PAYING ON THE DATES OF LOAN APPROVAL ) Also this company allows either 18 mos. to pay off Loans or One Yr. -I chose the One year plan in order to complete this transaction ASAP** Well after the loan was paid off ( 1-Year later ) I got charged late fees.. I contacted the company right away inquiring WHY? and was told it was due to late payments which I never received notices beforehand of such ridiculous tactics especially after paying All Three loans off in due season*** I could have easily re-adjusted the dates had I known or was warned beforehand** Each time of my complaint I was told they would forward my issue/complaint to the Sub-committe//Examining board for Review but each time NO feedback after 30 days explaining the unfortunate error* HOWEVER I Still received mailing of increased Amounts due***<><>< I will enclose messages of the conversation and summaries of the results each time Ive spoked with the Supervisor ( XXXX   ) and Representative ( XXXX ) including Dates************************** ******************************** I TT W ITH A SUPV ( XX/XX/2019 ' ) NAMED XXXX  WITH SYNCHRONCY BANK ABOUT LATE/INTEREST FEES THAT'S NOT DUE ON MY ACCT. @ THE BANK KEPT CHANGING DUE DATES WHICH I SUPPER IMPOSED IN ORDER NOT TO HAVE A LATE FEE FOR A YEAR. AND IN FACT I ACTUALLY PAID THE AMT DUE IN A YEAR VS. 18MO 'S OF THEIR INTEREEST FREE CARE CREDIT -I PD. THE AMT IN A YEAR. VS. 18MOS -THEREFORE THIS GOT TRF TO A COMPLAINT COMMITTEE-SHE SAID IT COULD TAKE UP TO A YEAR. *** I'M NOT TO BE C HARGED INT. ON THE SUPPOSEDLY BAL WHILE IN THE COMPLAINT COMMITTEE. -- WHAT'S THE RESULT**MY FIRST REP I TT WITH WAS XXXX WHO ASKED IF F I PAID {$84.00} HOW WOULD THAT SATIFY ME* XXXX SAID IF I PAID {$59.00} IT WOULD BRING IT DOWN TO {$180.00} AND SHE WOULD CANCELL THE DIFFERENCE FROM {$240.00} TO $ XXXX CALLED AND SPOKE WITH XXXX @ CARE CREDIT XX/XX/2019 ' THURS * @ XXXX AND SHE STATED SHE WOULD REFILE THE COMPLAINT AND THE PHONE DROPPED* SHE SAID SHE UNDERSTAND THECOMPLAINT TO BE '' I DON'T OWE A BAL. SINCE ALL HAS BEEN PAID OFF**><><>
Consumer complaint received 2020-06-09
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: ALLY FINANCIAL INC. (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from ALLY FINANCIAL located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMO Bank, N.A. (IL)

I was 2 payments behind going on the third payment behind and just today XX/XX/XXXX early in the morning around XXXX XXXX  the bank of bmo sent the dealership repo told truck to get the vehicle and left and took it. I have previously contact them in XXXX and a few month back before XXXX of 2019 and the representative are very rude and very hard and they dont seem to understand customers financial hardship situations and I talk and have a conversation with an agent they get very aggressive and as much as u explain them what is going on they are very rude and they dont want to listen to you all they talk about is money rather than giving me the opportunity to talk and see my options to reduce my payment or get enrolled in to a payment plan or arrangement dude to my financial hardship situation. My income has been reduce and I am the only one working in my home at the moment but you know that XXXX and the winter time the jobs always slows down a lot and its out of my control I explained the representative and agent but it is useless they ignore u and all they want is money rather than listening to customer needs when you go to the dealership for The first time they convince people to buy but when you are struggling to make payments they turn they back and just give u the run around it is not the first time asking them for help and they refuse to do so. 
I have XXXX girls that me and Them Depend on the car and now that its snowing I need the car to take them to school and For me to get to work without the truck I cant take my daughters to school and I cant get to work ontime. Or drive to work as thery repo my car this morning it is not fair that they denied me any type of help payment arrangement any financial help to help me get caught or reduce my payments, It was useless the more I would say to them the more they would act XXXX and Laught at me thru the phone. Some of My kids are going to XXXX and need the truck to transport and the school Is a bit far and I have a XXXX XXXX XXXX who I also take to school and Drop Her off the Bank bmo didnt care at all.
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute on XX/XX/19 with the credit reporting agency TransUnion, because my XXXX XXXX  credit card account had no credit limit amount. That has been corrected because the dispute has been completed. The new problem is that the monthly reporting of historical payment history has been updated to show monthly reporting of unknown/not reported. This information is inaccurate and needs to be updated to show accurate historical payment history.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-01-04
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: Experian Information Solutions Inc. (VA)

Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX
Consumer complaint received 2020-01-11
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. (CA)

XXXX XXXX  credit card company agreed that I would not have any fees of any kind. Then in XX/XX/XXXXthey reported XXXX late and dropped my credit score from XXXX to XXXX for a fraudulant charge that did not belong to me at all. I contacted XXXX XXXX and they are not doing anything about it. This is not fair to me and they know it I also canceled that card and demanded my credit score be returned to XXXX but they both just shine me on! and Iam extremely upset as I have been busting my XXXX to get a good score and XXXX XXXX   knows this! I will seek out an attorney if neccisary Thank You XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I just wanted to see if I was pre approved for a credit card through my bank chase and without my permission they signed me up for the credit card which I did not approve, I just wanted to see if I qualified not sign up.
Consumer complaint received 2020-01-11
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: EQUIFAX, INC. (IN)

I have worked at the XXXX  XXXX XXXX for almost two years with more than 20 years of customer service experience. I can not believe that Equifax, giving the nature of its entity, has a huge amount of inconsistencies of information ( based on the slim you are able to even get any ) and you are in a forever loop of frustration as no one can help and no one can confirm anything even if you have numerous confirmation numbers, names/dates/pin numbers relevant to such, but one thing that is assured, every employee has the same robotic comment to my problem " they are so sorry, and would love to help me ... but. '' I'm a newly XXXX, single mother of XXXX and I'm about to loose the purchase of my first home for myself and my children due to Equifax and their sheer disregard for my dire need to address the issue as to why my score/credits, only for Equifax mind you, will not reflect on my report for my lender to access, only my debts are visible, yet after 3 weeks of battling who will help me, I finally was able to confirm a freeze had been lifted ( confirmation number in hand, and yes it still took 3 weeks before someone would verbally confirm it was actually removed ) but yet my score is still not visible, that being said I'm assuming only XXXX Equifax will only ever know as to why ( being a lender gets you no where either unless your paying for their services ) my information is not reporting. Now I have the painstaking task of telling my kids were not getting the house, as of yesterday its back on the market ( signed my first ammendment ) all because my information won't show up and no one will tell anyone why. Now I'm pretty sure even a fifteen year old can use common sense to question as to how ignorant that sounds. And yes, this will be the second house that has fallen through for us in the last year, first was negligence on my previous lenders intelligence. Thank you Equifax. Bravo. Happy New Year to you and yours.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

I have attached a police report and an FTC report for identity theft.
Consumer complaint received 2020-01-11
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a victim of abused due to discrepancies on my credit report with Capital One Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on XXXX Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from XXXX  I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This Capital ONe Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this Capital ONe credit card account to be removed and deleted from XXXX  Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a US citizen1 year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit report
Consumer complaint received 2022-12-13
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. (CA)

For the past 90 days, I have been trying to validate a debt with XXXX  XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Consumer complaint received 2018-10-03
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. (UT)

Experian is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Consumer complaint received 2023-06-28
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I paid off 3 credit cards and they were marked as charged off from my credit the lines were closed however they are still marked as current and its hurting my credit. This was in 2017 and they are still on my credit report.
Consumer complaint received 2020-01-04
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: EQUIFAX, INC. (VA)

Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Bankruptcies is still on my credit report .after 10 years .it is stopping me to future my career Record Type XXXX  XXXX bankruptcy discharged Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please help me with this situation