davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
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. (GA)

I was investigated my credit report I have notice a company named XXXX kept popping up. I dispute it on XXXX and equifax and XXXX. It has been removed on XXXX and XXXX unfortunately Equifax has been adamant not removing it with no proof. I was not attending no school of such name. I have proof I have been graduated from another school I want this removed off my report completely
Consumer complaint received 2019-09-04
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: MOHELA (GA)

I was investigated my credit report I have notice a company named Mohela kept popping up. I dispute it on XXXX and XXXX and XXXX. It has been removed on XXXX and XXXX unfortunately XXXX has been adamant not removing it with no proof. I was not attending no school of such name. I have proof I have been graduated from another school I want this removed off my report completely
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
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. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MI)

I sent out a debt verification letter to verify that this was my actual debt on XX/XX/2018, a second attempt on XX/XX/2018 and a third attempt on XX/XX/2018. I have gotten no response back from the company. I would like to pay off this debt if they can verify that it is in fact my debt.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
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. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (FL)

Mariner Fin. is stating that they can't help me with this account due to it being closed in their office. They said that the account is now with a collection agency. First of all, this account do not belong to me. I asked Mariner Fin. to provided me with a signature or any information attachment to this account, they cant do it. I called the collection company over and over again. No one never pick up the phone or return any of my phone call. I asked Mariner Fin. to deleted this account or show any document linking me to this account. It's not fair or lawful for Mariner to report this account over and over again when they not even holding a open account. Per to the Fair Credit Reporting Act, a company can't report a transferred account and still report it negatively.
Consumer complaint received 2019-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/2018, I applied for the Capital One Quicksilver credit card that included a 0 % introductory APR for all purchases in the first 15 months of opening the account offer. Shortly thereafter, I received a Capital One Quicksilver credit card in the mail. Upon receiving my second billing statement in XX/XX/XXXX, I noticed I was charged interest for my purchases. When contacting customer services at Capital One, I was advised that eventhough I applied for the credit card that included the 0 % introductory APR offer, I was actually approved for a different Capital One Quicksilver credit card that did not include the 0 % introductory APR offer. 
I was never clearly advised that I was not receiving the credit card that I actually applied for, and since the credit card that I received had the identical name of " Capital One Quicksilver '', I was unaware that interest would be charged on my purchases. I feel this was false advertising and deceitful practices.
Consumer complaint received 2018-11-13
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: SYNCHRONY FINANCIAL (TX)

am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Act XXXX XXXX  Account 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 section A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Act XXXX XXXX  Account 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 section A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-31
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. (MI)

I wrote a letter in XXXX of 2019 to the three credit bureau XXXX, tXXXX and experian. of the items i were disputing.none of the items were verified.they did not follow protocol.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/19 and XX/XX/19, I was charged return payment fees of {$27.00} each for attempting to pay off my balance through what I thought was my bank account. After talking to customer service, it was a random XXXX XXXX XXXX XXXX account that was connected to my XXXX Visa Barclays Card account in addition to my regular bank account. They removed the account but did not refund the return payment fees nor provide an explanation of how the XXXX account was on my account. On XX/XX/19, I call again about this issue and they refunded my return payment fees, but no explanation regarding the random XXXX account. During the same phone call, I get transferred to credit services to inquire about a credit line increase. I ask for a credit line increase from {$500.00} to {$2000.00} per month. The customer service agent does a hard pull on my credit which I consented to, asks for my income, and rejects me because of a brand new return payment fee that he says is on XX/XX/19 ( which is in the future! ) on my XXXX Visa Barclays card account. He transfers me to someone else whom I can ask questions to about this fee, but this new agent does not see that return payment fee on my account. I do not see it on my account or any of my other credit card accounts either. I call once more and the new customer service agent also does not see this on my account.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: INTERNAL CREDIT SYSTEMS, INC (IL)

I have spoken with XXXX from this company on 3 seperate instances. He originally called me on XXXX and left a message stating an attorney told him to call me. After reaching back out to him the same day he berated me over the phone about a gym fee I acquired the same day. I got the gym membership because I was temporarily homeless and needed a place to shower. When I moved into my new apartment I brought my XXXX wife to this new gym to look at it. We where in there for less than 2 minutes and never touched any equipment or even left the designated walk way. I then get a call from the gym owner demanding XXXX dollars payment immediately for the infraction. After explaining that I don't have any money because I am a disable vet on a fixed income he hangs up. 2 hours later I am then contacted by XXXX at Internal Credit Systems and am further harassed. When I tried to explain the same situation to him he cut me off because he didn't want to hear my " sob story. '' He then told me that he doesnt have to hear my explination, that it was between the gym and I.Then on XX/XX/XXXX I received a collection letter in the mail. When I called on the XXXX, he immediately started yelling on the phone before I could even finish saying what account I was calling about. He then accused me of wasting his time and said he was going to hang up on me. He then went silent and I assumed he hung up so I called him back. The second phone call continued with him yelling about me wasting his time all while he berated me for 6 minutes before I could even speak. We then argued about what he had previously said to me where he accused me of breaking the law by allowing someone in the gym. When I asked to speak to the attorney the originally told him to call me he said that wasn't an option and that he is the head of the company. He then told me not to call him again unless it was for payment. I have all of these conversations recorded. 

I originally filed this complaint to the XXXX. XXXX promptly responded with this. 

" He knows that's not what happened. The gym sent him to collections because he illegally let someone use his card to have access to the club. The contract states that they can fine the member up to {$250.00} dollar per occurrences. They have him on tape doing it. End of story. " I have now included my original voice-mail as well as my most recent phone conversation with XXXX on XXXX XXXX. These alone prove that XXXX has a continued history or harassment and lying in order to intimidate customers into paying.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

From my credit report, it shows a late payment for XXXX, called XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.
Consumer complaint received 2022-06-18
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. (WA)

From my credit report, it shows a late payment for XXXX, called XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.
Consumer complaint received 2022-06-18
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 i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am on the Public Service Loan Forgiveness ( PSLF ) program. I started working at a XXXX XXXX 15 years ago and received certification stating my employment qualified. Ive made over three years of on-time payments under Income-Based Repayment ( IBR ) plan so far which were more but I was not informed that my loan needed to be transferred to XXXX  until 4 years ago. I have submitted Employment Certification Form ( ECF ) in XX/XX/2018. Their acknowledgement letter stated that my employment qualified. However, my statements have stated 4 payments made go toward PSLF. I have called XXXX several times but they stated it would be updated which never was and we are approaching a year later with no correction. Also, I was not aware of the difference of loans from FFELP which I originally had vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received 10 years ago stated that the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as Stafford and Plus on loan description which led me to believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear 10 years ago when I actually looked into PSFL which put me back 5 years. While I believe important letters like this should have been delivered in writing 10 years ago. I understand there are thousands of others in my same situation by reviewing complaints and the news. I also read about class action lawsuit. So I decided to look out for help as well. XXXX XXXX should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was would qualify. I would like see if anyone can help me to correct the issue. Thank you!
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (DE)

from XXXX to early XX/XX/XXXX my debit card was used at an online casino for a total of {$2500.00}. I went into the bank filled out a dispute got a new debit card and given intial credit of XXXX, then in XX/XX/XXXX pnc took my hard earned money back and said they completed there investigation. Really? This money was stolen from me and pnc allowed this to happen.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

I received my American Express statement for the billing period due XX/XX/2019. The statement included a pending interest rate increase to my account. My current purchase rate is 8.74 %. The new rate effective XX/XX/XXXX, XXXX14.74 %. The reason for the increase according to American Express is my XXXX fico score of XXXX. I have exceptional credit and the pending rate increase is unwarranted. All accounts are paid in full each month, no outstanding loans, no negative activity /notations on credit file. My debt to credit ratio is 2 %, so how and why would I be charged 14.74 % interest on purchases. Yes, I reviewed my credit report and the term exceptional appears frequently. For those that say why would it matter if the accounts are paid in full each month, my response, I worked diligently to be a responsible consumer and paying an excessive interest rate does not reflect the exceptional credit rating I have maintained since establishing credit over twenty-five years ago. American Express does not have a legitimate reason for this excessive rate increase, but a business reason to charge an excessive rate, greed/profit. Please stop American Express from this illegal action. I have been reading other complaints of this nature and the settlement paid by American Express to consumers for illegal business practices, which they clearly are still at it. I had to review my credit file when I did not want to view it at this time, I want to be appropriately compensated for this inconvenience.