davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX I received a collection notice from XXXX XXXX, XXXX, XXXX trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from Synchrony Bank which I have never done business with and when looking for their physical address found four locations. Apparently they used to be GE consumer loans and their CEO XXXX XXXX left GE when it separated itself from GE. Synchrony apparently bought all of PayPal 's credit accounts but I have never used paypal either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from Scynchrony Bank and XXXX XXXX, XXXX, XXXX should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.
Consumer complaint received 2021-06-17
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: DISCOVER BANK (NY)

the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I closed an account with Kohls credit card through capital one early this month. I was sent a bill that I was told was already taken care of. When I called to pay the bill the associate ran my credit without permission, when I asked about he denied that my credit was ran. I asked to speak to a supervisor and was also denied. I called back and was given a new representative who told me he could see that my credit was run, but could not find a reason why. The company with not give me any information on my credit and will not let me pay my bill.
Consumer complaint received 2020-03-17
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 was made aware of a XXXX XXXX Card Services account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (OH)

Venmo stole my tax refund and won't allow me to have it until XXXX. This is my second complaint submitted. In venmos first response they claim I sent {$1000.00} to XXXX XXXXXXXX and this was unusual for my account, however I had called Venmo customer service and spoke to a suprivisor as I was having trouble spending or sending my money. The Venmo Suprivisor again to clarify The Suprivisor Whom is Employed BY Venmo specifically instructed me to send said {$1000.00} payment to my friend XXXX XXXXXXXX to assist in withdrawaling my funds. Venmo says this is the reason they have closed my account and that my {$1000.00} could be fraud. Well your Suprivisor who is in charge can not literally instruct me to do something which you close my account for. Again this is my tax refund it is a verified deposit from the state of ohio there is XXXX POSSIBILITY OF MY DEPOSIT BEING FRAUD ITS A FRICKING TAX REFUND. Now I want my money and I am not waiting until XXXX.
Consumer complaint received 2021-06-17
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 am shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.
Consumer complaint received 2021-06-17
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. (FL)

I am shocked. And my life will not be the same. I can not understand how that happened because I have never had this kind of issues in my life. I found fraud inquiries and I do not recognize them. I want you to delete them once and forever please do it. I am victim of identity theft and my report proves it and also if you manage investigation you will understand.
Consumer complaint received 2021-06-17
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX I received an alert from Equifax regarding an update to an unverified Student loan account with WFS. I already have an open complaint with them directly and the submitted they needed more time to respond to my complaint. 

As you can see, they had stopped reporting to Equifax and most recently Equifax has reinserted this unverified account to my credit report without fully investigating and verify. They are still investigating per XXXX XXXX letter dated XX/XX/XXXX. On XX/XX/XXXX, with no update its reported inaccurately to all bureaus with inconsistent information. Per FRCA, before reinserting they must notify me via mail their intent to reinsert. I sent a factual dispute to XXXX and XXXX due to me not being liable due to fraud. They were to follow suit with Equifax but Equifax unlawfully entered the information BACK on my report after failure to verify previously. I have attached proof of resinsertation and my file police report and FTC report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX Your are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, ( XXXX ) XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 US.C 1691 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-12-31
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. (AZ)

XXXX has CONTINUOUSLY disregarded all of my disputes of an account NOT being mine. When I reported to the company that my Identity was stolen they disregarded that and continued to report that I owed this balance that is due. I PAID THE BALANCE ON XX/XX/2022 IN THE AMOUNT OF {$280.00}! I PAID IT TO XXXX XXXX WHICH IS THE COMPANY THAT THIS DEBT WAS SOLD TO! XXXX XXXX XXXX XXXX has failed to report to EXPERIAN that the balance is now {$0.00} and this account is no longer in collections! I have reached out to ALL 3 COMPANIES numerous times as well as submitting NUMEROUS disputes! Well XXXX  just responded to EXPERIAN that the information CURRENTLY reported is correct they VERIFIED that this information is correct which is a complete LIE! Please see the 2 attached screenshots!!!!
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (KY)

I applied for a credit card from XXXX and was approved. They used Experian. As the rate seemed high, I decided to check my report. They have a section called " Get a quick view of what lenders see. '' It reflects my overall credit usage as 240 %. Credit used is showing as {$3500.00} and credit limit of {$1500.00}. The {$3500.00} is the remaining balance of my XXXX XXXX XXXX card I owe and am paying off ( I closed this card on XX/XX/2021 ). The credit limit on the card was {$6800.00}. The {$1500.00} is the credit limit for my XXXX XXXX card. I have a {$0.00} balance on this card. 

This is very deceptive to lenders because it doesn't accurately depict how I use credit. It doesn't take into account my {$6800.00} credit limit I had for the card and it makes it seem as if I am maxing out my cards, which I am not. It hurt my interest rate on the credit card I was approved for. 

I opened a dispute but I can't select that section so I had to select my XXXX account and type the dispute info. They didn't do anything about my issue. When I call the customer service number, I have to say I am a " member '' in order to speak to anyone. We should not have to be a member to view out credit report. They are just trying to avoid lawsuits by establishing an agreement. I have attached the portion of my credit report that shows the credit usage snapshot.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/XXXX Made a ticket purchased thru capital one travels site. Tickets was purchased for one stop flight then everything was confirmed. Notice on tickets was was two stop not one. XX/XX/XXXX Had to call to confirm was two stop so that was misleading. Told them price was lower for same flight on XXXX airline. Didnt bother to help ( end ). Weeks when by notice there advertisement price drop in 10 days get {$50.00} back. I called airline stated flight do not qualify and I had proof price drop. ( no help ) no where is stated need to pay fee ( end ) another problem connecting flight to final destination was operate by another company and NO booking confirmation was provided and couldnt get check in. Inconvenience service and misleading on every thing. Paid so much for no service just to tell they can not do anything about it. A waste of time and headaches
Consumer complaint received 2020-03-18
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. (TX)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$3100.00}
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (TN)

On XX/XX/2022 I noticed a negative account on my credit report from Spring Oaks Capital LLC. I mailed out a debt validation packet on XX/XX/2022 in a certified letter which was received and signed for by Spring Oaks Capital LLC on XX/XX/2022 at XXXX A.M. As of today XX/XX/2022 Spring Oaks Capital LLC has failed to validate the debt in a timely manner and is still illegally reporting this unverifiable debt to my XXXX credit report.
Consumer complaint received 2021-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MA)

I received a inquiry on my Credit Report from a Nordstrom on XX/XX/2023. I am in the process of moving so it slip my mind until today when I received the credit card.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

American Express sent me an advertisement telling me that when I opened a new credit card, I could get {$150.00} rewards if I spent {$1000.00} at first three months. When I opened a new card and spend {$1000.00}, I didn't receive any money, and then I contacted the relevant staff by phone.

1. The service staff told me that when I applied for a credit card, they rejected my application for a {$150.00} reward from a {$1000.00} purchase via Email, and then they asked me whether I continued to apply for this card without {$150.00}. so they opened a new credit card for me without my approved. In fact, they have never sent me notice via any way. The service staff also said that they will give me {$150.00} due to I've been using their credit card more than five years, because he submitted my issue to his supervisor. I just need to wait for the {$150.00}. In fact, he have not submitted my issue to his supervisor who did not understand my issue, so I can not get the {$150.00} in future. My waiting is actually a waste of my time.

2. I continued to contact them and got different answers. They said I had other benefits so I couldn't take advantage of the {$150.00} plan anymore. In fact, I haven't gotten any discount since I got this credit card. 
Anyway, I think 'American Express XXXX cheat consumers include me through false advertisements.
Consumer complaint received 2020-03-18
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. (UT)

Equifax ; XXXX and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.
Consumer complaint received 2021-06-17
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. (PA)

I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX XXXX  # XXXX balance- {$480.00} XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account XXXX XXXX balance- {$990.00} XXXX XXXX # XXXX balance- {$1400.00}