davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I applied for a CareCredit account in XX/XX/2022 and work with Synchrony Bank. I have had close to $ XXXX {$6000.00} in total transactions and have paid at least $ XXXX {$4500.00} in payment year-to-date. I have been on autopay and when checking my account, I now owe {$7900.00} after paying consistently for almost two years which would be {$13000.00} total. That is more than double than the transactions made on the card. There were {$1400.00} applied in fees for a Payment Security program that their customer service rep admitted that people often opt-in unknowingly. They were willing to remove {$1200.00} from the account which leaves me at $ XXXX that I still now owe. I reached out to their general customer service and they stated that they would not remove the interest applied in XXXX. They stated that there are " 4 promotions '' that were applied to my account which ended then. However, based on my payments, I had paid two of them off in time for no interest to be charged. The supervisor then told me that my payments were not being applied to the first two promotions and only for the other two. Might I mention that the promotions that the money is going towards were for two transactions that took place after the first two transactions. Therefore, they are applying my money in ways that financially gain them in the best way without asking for clear consent. They stated that I would have had to call and manually reach out for the funds to be distributed properly. Ultimately, this led to $ XXXX interest in XXXX alone. I tried to find a resolution to remove the largest interest charge, but they refused to work with me. I have been on hold for an hour. I spoken with 4 representatives now. This is not the only thing I have heard about this bank raising interest charges and sneaking opt-ins for their financial gain without the consumer knowing. It's at the bottom of the electronic statement about the " promotions ''. They know people are applying for care credit cards in times of emergency and know they are scamming people. It is spoken about over many forums and this bank should be investigated, if not already. A fair resolution would be to remove previous interest charges for neglecting to apply money towards transactions that happened before others. This would be at least {$2000.00} in interest charges and would bring my balance to the justified amount. They change their terms in order apply money to places for their financial gain. My money is being applied to charges that were already paid for but instead, I would have to manually call in order for my money to be distributed correctly. I am willing to pay for what I spent and some interest, but a bank being this sneaky with their fees and interests charge methods needs to make this right!
Consumer complaint received 2024-03-20
Product: Credit reporting 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 formally address the outcome of my second attempt to have fraudulent items removed from my credit report. Despite providing comprehensive evidence and documentation proving the fraudulent nature of these items, I am disappointed to find that they have not been removed, thus continuing to negatively impact my creditworthiness. 

Undeterred, I made a second attempt to address the fraudulent items, providing additional evidence and documentation to strengthen my case. Despite these efforts, I have received yet another disappointing response indicating that the items will not be removed. 

The continued presence of these fraudulent items on my credit report has had severe consequences for my financial well-being. It not only tarnishes my credit history but also hinders my ability to access credit and financial opportunities. Furthermore, it undermines my confidence in the accuracy and reliability of your agency 's reporting processes. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be thoroughly re-evaluated and promptly removed from my credit report. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous attempts. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3700.00XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$7000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXXXXXX  Balance Owed : {$2600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX Balance Owed XXXX {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AP)

Debt have been paid. Amount XXXX. Reference number XXXX. It's still showing on my credit report. I wasn't aware or notified of the bill/debt. I informed the ( ERC ) ( XXXX  ) to remove/delete collection from my credit report after being paid in full.
Consumer complaint received 2023-02-05
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 conviction 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 2020-03-06
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: BARCLAYS BANK DELAWARE (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX BRCLYSBANKDE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-05
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: Resurgent Capital Services L.P. (IL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated!

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX Account # XXXX, Original Account Number : XXXX XXXX. LVNV Funding LLC, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.
Consumer complaint received 2020-03-06
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)

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX
Consumer complaint received 2020-03-06
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. (MS)

I initially emailed XXXX and Transunion, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX responded with a generic response saying that it was updated. I disputed the account with XXXX XXXX, debt collector involved. XXXX XXXX responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. Transunion had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from XXXX XXXX. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from XXXX XXXX, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both transunion have XXXX under a DIFFERENT ACCOUNT than the account number XXXX XXXX sent. However the account number is WRONG as well.
Consumer complaint received 2020-03-06
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: I.C. System, Inc. (MS)

I initially emailed XXXX  and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX  responded with a generic response saying that it was updated. I disputed the account with IC systems, debt collector involved. IC systems responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX   had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from IC System. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from IC sytames, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX  have IC under a DIFFERENT ACCOUNT than the account number IC system sent. However the account number is WRONG as well.
Consumer complaint received 2020-03-06
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: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. unrecognize auto loan hard inquiries. i do not recognized or gave my consent for the following auto loan hard inquiries. 

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 2020-03-06
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)

I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX  XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}
Consumer complaint received 2020-03-06
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. (NY)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2023-05-12
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. (TN)

On XX/XX/XXXX I sent in a letter for all credit Bureaus to verify all the accounts on my credit report. I received a letter with all accounts verified as accurate from trans union. Once i reviewed my letter of all accounts being verified i notice an account XXXX XXXX XXXX  # XXXX they are not the original creditor And supposedly bought debt. I notice they are reporting a balance of {$1500.00} which it should show {$0.00}. Since transunion did not verified that account correctly but yet stated it was accurate i ask them to deleted it immediately they did not i reach out and they still did not.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Preparing my taxes I discovered a XX/XX/XXXX payment of {$390.00} from my Escrow account for " Windstorm Ins Paid. '' Further investigation I found a XX/XX/XXXX payment for {$580.00} scheduled to pay for " Wind coverage. '' I don't live in a Wind Zone that requires Wind Insurance. Fay Servicing twice opened up insurance investigations and twice came back with, " Case closed, we just paid what XXXX XXXX billed us. '' But XXXX XXXX insists that they have not billed for, nor collected, any premiums to cover me for Wind Insurance. I have requested copies of these bills and Fay has not produced them. 
Supposedly there is a 3rd investigation open and the {$390.00} check has been requested from some 3rd party that does their checks. 
I keep getting told to " Call back in a few days '', or " Call back next week. '' I've made 15 phone calls over 5 weeks.
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

I have made numerous calls to the customer service phone number and visited a branch with no resolution. I am making extra payments and they are not applying them to principle but rather putting them to future payments. The billing is then thrown off showing no payment required. I want amount in excess of monthly payment put toward principal. I have conveyed this several times to them.
Consumer complaint received 2021-03-11
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. (OK)

XXXX ; XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-06
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: Experian Information Solutions Inc. (FL)

I am writing to complain about XXXX XXXX and Experian Credit Bureau. XXXX XXXX sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. Experian has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the truck was destroyed. I had paid for the 2290 Form and could not get my money back
Consumer complaint received 2020-03-06
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. (FL)

I am writing to complain about XXXX XXXX and XXXX  Credit Bureau. XXXX XXXX sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. Experian has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an  XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the truck was destroyed. I had paid for the 2290 Form and could not get my money back
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXX XXXX XXXX