davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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 (IL)

Early XX/XX/2023 I received an unsolicited application from Capitol One in the mail to apply for their XXXX XXXX XXXX at a lower rare and a lower interest rate and cash back bonus. I applied online on XX/XX/2023. After a soft credit check, I was told that I was not eligible for the advertisement that was mailed to me, but instead they offered me the same card at a much higher interest rate and no cash bonus. I decided to proceed and I applied, being accepted and told the card was on the way. This notice was sent via email. 

I got an email from XXXX of the credit agencies noting that there was a hard credit check, and a corresponding lowering of my score due to the check. 

I noted that when I later logged into the online account that I had set up in order to access card features, a fraud alert had been placed on my card. I was not sure what that meant, since I had not received the card. There was no other information, and figured I would clear that up when I received the card. 

I got a voicemail on XX/XX/XXXX from an unknown number from a person telling me that I had to call them regarding a fraud alert placed on my card. I returned the call on XX/XX/XXXX, using the number in the call. I verified myself, and was told I had to submit a state ID and a social security card through some online process to active my card. I told the representative I had not yet received my card. And I offered to go into a bank branch to do this, now being suspicious of any online contact with them. 

I waited for the card to arrive, which it did on XX/XX/XXXX. I called to activate it on XX/XX/XXXX. I was then told I need to wait for an email and it would also ask for proof of residency in addition to the other documents. I offered to go into a branch. I also refused to offer a Social Security XXXX, as I have never heard of doing this for a credit card. They had it, as my credit alerts had proven. 

I don't just want to drop the process, as they have now opened an account for me and reported it to credit agencies. This would further damage my rating, because it would now contain a closed account I never used. 

I am accusing Capitol One of deceptive advertising practices in that they applied bait and switch in enticing me with one product but only a higher product was available. Also, they have the potential to damage my credit report in never intending to realistically offer me a credit card, but now have information on me that they will feel free to use in their marketing efforts. Lastly in having that information, if their systems are hacked, I will be further victimized in that it may be stolen, and the types of information they are asking for, if I submit them, will expose me to identity theft where I have provided more information that I believe is normally asked for for a credit application. 

Thank you.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

3 charges totaling {$1400.00} were made against my discover credit card. I have submitted a fraud complaint to the company which they closed. I have asked for copies of signed purchase receipts, which they have failed to supply.
Consumer complaint received 2021-08-04
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. (NY)

NO knowledge of this account. XXXX. Disputed once, and Experian will not remove it. Has been on my report for over a decade. 

XXXX  Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$33.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$96000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 300 Months On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX XXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am a victim of Identity theft after Resurgence XXXX XXXX ( representing CACH , LLC ) sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with CACH , LLC and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence XXXX XXXX and CACH LLC, hoping to remove this case. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC (GA)

We had been shopping for a lender and chose three separate companies to get a quote from. We had a " local lender '', XXXX XXXX, who quoted us. We decided to not go with her as our loan originator and chose another company as she couldn't match the rates provided by the others. 

XXXX proceeded to contact the seller and told them we weren't using her as a loan officer, which she had not right to do. She attempted to jeopardize our pending home purchase out of spite. 

The actions taken were unprofessional and likely illegal.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-04
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. (IL)

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This medical debt has been on my credit for quite some time. I have disputed this with the credit bureaus and XXXX  has claimed that the company has, " met the requirements of the FCRA ''. I have never used this company, nor have I given them any personal information such as my SSN. 
This company claimed I used their services in Florida, when in fact I was living in Colorado at the time.
Consumer complaint received 2021-08-04
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. (TX)

fcra violations not mine : remove it : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

This concerns XXXX XXXX store card as administered by Synchronity Bank. They issue a statement around the XXXX day of each month with a due date around the XXXX day. Say if you make a monthly payment before the the XXXX, their practice is to somehow apply the payment to the previous month. 

After the XXXX, XXXX XXXX assesses a late charge although the payment was actually made. The statement for the following month reflects a past due amount along with online dunning statement. Of course XXXX XXXX does not advise its customers of this pre-payment or early payment penalties I am submitting documents aptly demonstrates this, including a payment made on XX/XX/2021. Yet I was charged a late fee nearly equal the amount of this payment! This is a flagrant violation of Fair Credit Billing Practices Act, Fair Debt Collection Practices Act, and Fair Credit Reporting Act if reported.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (TX)

I signed an apartment lease with my parents from XX/XX/XXXX until XX/XX/XXXX. My parents passed away in XXXX on XX/XX/XXXX and XXXX. I moved out on the last day of the lease. XXXX XXXX XXXX said I didn't owe money. However a collection debt in all joint names was sent to Nat'l Credit Systems acct no XXXX in XX/XX/XXXX for {$5000.00} from XXXX XXXX to reporting agency. I called them sent in the lease and death certificates for my parents. A property I applied at denied me residency due to this report. I disputed it through 3 bureau 's. The XXXX XXXX property I applied at denied my application before the dispute was announced. Which is still pending. I wasted {$100.00} app fee and a lot of time and was treated poorly for a clerical error. XXXX XXXX XXXX even went as far to not give me the application refund and told me even though my parents died and we were all clearly out the XXXX XXXX  by XX/XX/XXXX that I also absorbed their debt portion. Now I'm living in a hotel. Hopeless.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have overdraft protection and yet the idiots at Bank of America keep charging me an overdraft fee of {$35.00} so as to put my account into the negative. 

I have repeatedly complained in person and by letter and email. But they do nothing to stop this outrageous abuse and harassment!
Consumer complaint received 2021-08-04
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: SYNCHRONY FINANCIAL (GA)

Paypal Credit : Advertises 0 % interests if paid off within 6 months. If not paid, off the amount of interest that would have accrued over the 6 months will all be applied to the account. 

If there are multiple purchases on the account using this promotional offer, any time a payment is made it is not applied to the oldest purchase. Instead they allocate the payment to the most recent purchase in order to maximize the amount of promotional interests they can charge. 

When calling paypal credit about this, they say any time a payment is made I must call and wait on hold for 45 minutes to 1 hour, to direct them on where to apply the payment otherwise it will go to the most recent purchase.
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (PA)

Security Credit Services is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.
Consumer complaint received 2021-08-04
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. (LA)

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG
Consumer complaint received 2021-08-04
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. (WI)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-08-04
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: Bread Financial Holdings, Inc. (DC)

I sent letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX and XXXX  credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX XXXX $ XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-08-04
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. (TN)

I mailed a letter to the credit bureaus on 03/01/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to CCS Collections in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!
Consumer complaint received 2021-07-28
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : VERIZONTEL Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-04
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: SYNCHRONY FINANCIAL (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (VA)

Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me. 

Zwicker & Accociates, P.C. for XXXX XXXX  XXXX and XXXX for XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

In accordance with Fair Credit Reporting act, The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Sec 602A states that I have a right to privacy. 15 USC 1681 Sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( A ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

Hello, I'm having an Issue with PayPal Reporting Policy. I opened an account with Paypal on XX/XX/23. I made a purchase for {$69.00}. On XX/XX/23 I was notified by XXXX that a new account has been added to my report and I have a Balance of {$69.00}. Few Issues with this. 1.The billing period has not ended ; I haven't received a statement, and when I called Paypal I was told that my statement period will end on XX/XX/23 and my balance will be due at the end of XXXX. So why has paypal notified the credit bureaus of my balance before notifying me? 2. I called and spoke with a supervisor to try to get paypal to correct their statement however, the Supervisor I spoke with tried to justify what paypal has done. 

paypal needs to correct that statement they have made to the credit bureaus ; XXXX should have never reported a balance without notifying the consumer of their balance first!
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

letter was sent XX/XX/XXXX, on XX/XX/2021 lexis nexis confirmed it received a certified mail ( dispute letter ) which stated " I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this same account with the credit bureaus, and they came back stating that they verified this account with lexis Nexis. I have went to the courthouse and they have also stated they did NOT verify this information, nor do they verify any info with any vendors, third parties or credit bureaus. Please send me what ever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character '' as of XX/XX/XXXX lexis Nexis has not provided any documentation to prove how they verified the bankruptcies in question, the federal court stated in the letter they provided to me which i provided below that they do not verify any type of information with any third party vendors or credit bureaus. # 1 there is no such thing as a public record for the consumer because you have the right to privacy. thats pursuant to 15 usc 1681 ( a ) ( 4 ) i have attached the law below. if you investigated it tell me who you interviewed and if you interviewed them it should NOT include facts pursuant to 15 usc 1681a. ( e ) corporations cant interview anybody.