davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

XXXX-Misled me on an inquiry about truck loans-I told the salesman NO HARD Iquiries-and to use my SCORESENSE service to see if it made sense to continue-RESULTS HARD INQUIRY FROM XXXX XXXX XX/XX/2015 XXXX-2inquiries 1 : XX/XX/2015 from XXXX XXXX by way of XXXX same type of scenario 2 : XX/XX/2015-Unkown inquiry according to XXXX they dont know who ordered it XX/XX/2015-XX/XX/2015 ANOTHER INQUIRY AGAIN-XXXX Go XXXX-salesman ( named XXXX ) assured a soft pull-RESULTS : HARD PULL EXPERION
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc (DE)

Effective XX/XX/2022 the time period before an unpaid medical collection debt would appear was increased from XXXX XXXX to XXXX XXXXr per XXXX credit reporting agencies. XXXX XXXX has put XXXX collection unpaid medical collection on my report XXXX and XXXX these were only XXXX XXXX  old and should not be on there this has dropped my score XXXX points. On top of that i have XXXX XXXX  and they should XXXX XXXX not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id XXXX Pcp information None selected electric payer ID XXXXXXXX XXXX XXXXXXXX XXXX XXXX. All this information was given to them. I want this removed off all XXXX credit reports as soon as possible.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

Complaint : I'm complaining against Experian. They are an impossible company to communicate with when there is an issue. I've tried contacting them for two days ( 8.1 and 8.2 ) and there is only an automated phone service with very few options available that don't match my needs. Background : A few days ago I applied for a credit card and was stunned that I was not approved. I have a good credit score and have always been responsible with my credit. I also make good money. I started getting nervous because my information was part of the XXXX XXXX breach of 100,000 customers and I was part of the Experian breach recently, too. I'm worried that fraudulent activity had occurred with my information. I found out that a credit card I applied for used Experian as their agency to check my credit status and decide whether to give me a credit account or not. So, I went directly to the Experian website to sign up for {$1.00} credit report. I tried about 8 different times to create an account and buy my report. ( I'm terrified of identify theft! ). However, each time I filled out information, the system failed and screen popped up that said, " We are unable to verify your identity. '' Therefore, I couldn't access my report. How can this be? I entered my Social Security number, my address, my credit card info to buy the report, and they can't identify me? What more do they want? Then, I was really paranoid of ID theft. So, now, I can't speak to anyone about my current credit report from an agency that manages my credit report to see IF THERE'S FRAUD?!! This makes no sense.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (TX)

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 a section 2 It Also states a consumer reporting agency can not furnish a account without written instructions. 

15 usc 1666B a creditor may not treat payment on a credit card account under and open end consumer credit plan as A late purpose.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

Hello, my name is XXXX XXXX. Email : XXXX I only sell XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and my account have been banned because I accessed it using a vpn ( without knowing it ) XXXX  browser activates a vpn without users authorization and I just found out that. I wont use that browser ever again or use any other browser that allows a vpn feature. Please restore my account immediately and help this small business get back on track. Thank you!
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc (KY)

this company is included in the bk that was filed on XX/XX/24, so a stay was placed on collection but they decided to keep collecting on the loan and will not respond to any of my attorney phone calls or emails.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I have previous complaints filed about XXXX XXXX Bank ( XXXX XXXX, XXXX ). The most recent ticket was XX/XX/2022. I just received a letter from XXXX XXXX Bank on yesterday, Wednesday, XX/XX/2022, that was dated XX/XX/2022, that my XXXX ( XXXX ) accounts balance had been sold to Resurgent Financial Services- the accounts had already been sold and I filed a complaint about the collection attempt from Resurgent Financial Services and I was never contacted in writing or by phone from Credit XXXX Bank XXXX my accounts being sold ( prior to Resurgent contacting me first ). I have filed a complaint because I had reached out to XXXX XXXX Bank to do a hardship as well as get the account balances resolved so the debt could be finalized. XXXX XXXX Bank continued to allow fees to mount, continued to state there could not be a finalized amount given, and ultimately sold the debt to Resurgent and then sent a letter after the fact. I did not get the opportunity to dispute the debt amount to have a plan discussed to resolve the balances. Secondly, the amounts that were sold to Resurgent Financial Services are not correct and include inflated charges and fees that XXXX XXXX did not resolve with me when a request was made to have the account balances resolved and closed. The XXXX XXXX XXXX in XXXX, Texas, did an investigation and stated that XXXX XXXX Bank stated they would not do a settlement to stop the fees or have the accounts closed nor would I be contacted by them except for legal reasons. I do believe that me not being notified in writing to dispute the debt amounts is a legal reason and being contacted about PRIOR to a debt being sold to a third-party company as well is a legal reason for contacting a consumer. 

XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumers file at the time of the request except that if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
Consumer complaint received 2019-06-24
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. (CA)

I disputed accuracy of late payments Department of Education/ XXXX ( All 8 accounts ) on XX/XX/19. XX/XX/XXXX changed the dates the accounts were first reported, while Equifax and XX/XX/XXXX updated the date of last activity. I received and will upload a copy of a letter from XXXX on XX/XX/XXXX stating that they would not update records as everything reported was accurate. This is willful noncompliance as you did not follow reasonable procedures to ensure accuracy, you are recklessly reporting inaccurate information, failed to investigate any errors, and caused further harm to my credit report and my credit score to decrease.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I didn't make a payment but reality was stolen, I reported the FRAUD to chasebank but they charged me out again. But anyone who investigated it knew it wasn't my name.
Consumer complaint received 2022-12-03
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: Porsche Financial Services, Inc. (GA)

In accordance with the fair credit Reporting act Porsche financial/XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for Purpose
Consumer complaint received 2022-07-07
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. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Employers : XXXX LA XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-07
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. (GA)

In XXXXXXXX XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX, XXXX, XXXX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2021-08-23
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. (AL)

I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX and Experian also refuse to remove inquiries on my profile that were not authorized.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (KS)

I need to speak to a Human Being at Equifax & I am not able to due to their automated system & with a call back request I still am not able to speak to a human being. In regards to giving them Feedback via their website it is not possible. I need assistance with a Security freeze for my account.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (NY)

Retired living in XXXX i have trouble accessing my funds i cant have cash withdraw at atm machines i call activate the card XXXX more week its blocked again calling from XXXX is costly XXXX XXXX does not have enough man power they are also under qualified e mailing my id s properly they state they should not be expired which they are not now the on line banking frozen i cant have access my balance is {$10000.00} with them i need my card i am an expat
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Credit Card Statement showed that the prior period 's balance or " Statement Balance '' was paid in full/excess.

New charges for the current period were treated as an outstanding balance and charged interest. The charges should not have been accrued on the Statement Balance and subject to interest until the next period.

After calling the company the representative reviewed the statements and agreed that interest should not have been charged as the current due balance was fully paid. The representative agreed to reimburse the interest charged to the credit line.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Reporting of liens that are not accurate and should be removed based on the most recent settlement involving the three credit bureaus and the New York State Attorney under the National Consumer Protection Act. Based on the new NCPA these items were to be removed by XX/XX/2017. Transunion continues to report two tax liens on my credit file.
Consumer complaint received 2022-12-03
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

I am XXXX years old and have had my job for XXXX  years and am still working. Synchrony Bank tookl over my cards and I just received a letter saying they are increasing the interest rate to 34.99 %. I have always paid extra and have great credit but that rate is outrageous. Nobody should have to pay that rate. I started out in the teens and now we are talking, to me what should be illegal, interest rates. How is anyone supposed to get out of debt. 
I have more than paid back any purchases, am just discouraged and disappointed that such a thing can take place. It's like they want you to file for bankruptcy. I have worked multiple part time jobs as well as my full time, in order to maintain good credit but this makes you want to give up. I am tired of struggling every month.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (FL)

Hello Jefferson capital I wrote you regarding my XXXX  XXXX. It was illegally closed and you response was that you were going to fix everything they were gon na make everything up-to-date. Im getting a new card in the mail but they made my credit score worse they have me currently late 120 days past due it dropped my credit score XXXX points and because of them Im unable to get a mortgage now Gon na send you the screenshots to Jefferson. This is for XXXX  XXXX once again, my last complaint you wrote me and told me that they were going to fix it. They keep making it worse they didnt fix anything. They still have have my account closed They still have me late and it dropped my credit XXXX for XXXX XXXX and XXXX. I am really XXXX off about this please fix this. This is not funny you have ignorant people working at XXXX  and they are maliciously messing up my credit report they put that Im currently 120 days past due and they just put it on there on XX/XX/XXXX Im gon na send you some screenshots. My credit was almost XXXX and because of XXXX  updating the status on XX/XX/XXXX miss my credit app they messed my credit up. Why did they do this to me? Those people are slow.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I am requesting that CFPB take Amazon Synchrony off of all of my credit reports ( except for my proof showing payment to Synchrony ) because they are illegally charging me XXXX XXXXXXXX for a payment I already made back in XX/XX/2022 in the amount of {$39.00}, and I had already canceled this account right after. 
I need all credit reports to stop this company from collecting/charging me fees and interest charges for this account which I already canceled almost the same day I purchased my grandson 's books. Amazon/Synchrony continues to add late fees, finance charges, and {$40.00} every month to my account. 
I have submitted my copy of my statement that proves that I have made the one payment charged to this account ending in # XXXX, but Amazon / Synchrony refuses to accept it so that they can continue to charge me $ XXXX. They also refused to cancel my account stating, " we do not consider it closed. '' I'm tired of them and they are ruining my credit. PLEASE SEE THE COPY OF STATEMENT BELOW : ( If you notice it is in the same order on Amazon showing order details, order # and what account paid for it ending in # XXXX. Had it not been paid in full Amazon/Synchrony would not have sent my grandsons books. They will not send you your products without full payment. THE ACCOUNT WAS ORIGINALLY {$39.00} and WAS ALREADY PAID IN FULL. I THEN CANCELED IT AFTERWARDS. They will not stop charging me. Please Help! 
Order Details Ordered on XX/XX/2022 Order # XXXX View or Print invoice Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Payment Method Amazon.com Store Card **** XXXX Order Summary Item ( s ) Subtotal : {$36.00} Shipping & Handling : {$8.00} Free Shipping : - {$8.00} Total before tax : {$36.00} Estimated tax to be collected : {$2.00} Grand Total : {$39.00} Transactions XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Synchrony, Amazon
Consumer complaint received 2021-06-15
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.