davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I applied for and was approved for a Care Credit account at a XXXX XXXX XXXX called XXXX XXXX XXXX XXXX is XXXX XXXX, NY. My dog had a XXXX procedure in which the pet center offered a 0 % interest account for 6 months that I could have the {$940.00} medical expenses charged to. At no point did the representative at the pet center explain that the interest fee period would be applied retroactively, or what they call deferred interest, to my account after XX/XX/XXXX if I did not pay the entire balance before that date. There were no written disclosures provided to me when I applied for and accepted the account. All I was given was a digital device to sign my name. After I was approved and the medical procedure was charged to my account, I signed up for an online account so that my monthly payments could be automatically debited from my checking account. In around XXXX or XX/XX/XXXX, I noticed that my online statement had a {$140.00} interest charge. I immediately called Care Credit to inquire as to what this very large charge was for. It was then that I was told that my 0 % intro interest free period had ended and that all the prior months had now been charged with interest. After I was very upset to hear this, as it was the first time I was being disclosed this information, the representative offered to waive all the interest if I made a payment to pay off the entire balance. I did not have enough money at that time to pay the entire balance of almost {$900.00}. Today, XX/XX/XXXX, I called to offer to pay the entire balance if they would waive the interest as was offered to me last time I had called but I was told that was a one time offer and no longer available. I argued that I was never given the proper disclosures at the time I applied for and accepted this account - that if I had been properly informed that there this account involved deferred interest, I would have never opened this account and would have used any other leading bank 's credit card who offers 0 % interest free periods without deferring the interest and applying it retroactively. I spoke to a supervisor who told me that the disclosures were given to me in my first statement. I explained that this is unacceptable and not compliant with federal law as the disclosures were required at the time I applied and agreed to open the account - not after the fact. 

I believe this company and its product is predatory to those who are in financial distress facing medical issues. The terms of the product and this companies ' practices are unfair and deceptive.
Consumer complaint received 2021-06-14
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: Mountain Run Solutions, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-02-15
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)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There have been hard inquiries on my credit report and an auto loan with capital one auto finance. I DID NOT authorize any of these inquiries or the loan. The loan was approved in XXXX 2024. I am currently on the phone with capital one to report to them as well.
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Please Help! Capital One has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from Capital One stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from Capital One stating that they are closing the account. Exhibit E is a letter from Capital One stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to Capital One which they continue to violate. Capital One just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.
Consumer complaint received 2022-10-08
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. (GA)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX has violated my rights.

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express charged an account that was not my account and was asked to return the fund immediately and from that point on kept claiming that they returned the funds to me instead. I have disputed the claims for over 100 days and they kept sending me the wrong amount and charging me interest on the wrong amount. A {$2500.00} returned payment became a nightmare. American Express took it upon themselves to attach an account that was not mine on the app. They attached an account that was not mine. XXXX XXXX asked Amex to refund the account they did. I made the payment from my account after all but they kept charging me interest on the inflated amount. I have taken screenshots of the right account from the online payment account. They have been investigating this matter for over 100 days and still could not solve a basic XXXX grade math problem! I have provided bank statements from the citi bank account showing Amex charge and return after XXXX days. Amex is investigating the matter after 100 days could not prove that I owe them what has been shown in their statements.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation (TX)

I have reach out to the creditor and the credit bureaus advising them that the accounts are outdated and Paid in Full. The tradeline should be removed from my credit profile because it exceeds the statue of limitations on credit card and medical debt in the state.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (NM)

I have received numerous telephone calls attempting to collect a debt from " XXXX XXXX. '' I do not know an " XXXX XXXX '' and told the company that during the XXXX - XXXX attempt they made to contact me. 

I also told them to take my name ( " XXXX XXXX '' ) off the list and that I would report them if they called again. 

I received a call from XXXX XXXX which seems to be from XXXX Maryland. However, the person on the phone said that her company, RPM was located in Washington. She said that she did not know the address ( but apparently had made it to work that day at some address ). She stated that her name was XXXX and that her supervisor was XXXX XXXX (? ). She was very hesitant to provide me with any information on the company or how to contact them.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file.

I have challenged the reporting of a bankruptcy on my credit report 6 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TN)

Got and personal loan of {$600.00}. I paid them the first payment when due of {$30.00}. They took out another payment that next week without my knowledge and wouldn't refund me my money and cause insufficient funds when we had an an agreement that I would call and pay over the phone. Instead of sending me any Bill 's, I get a call from a someone saying they are trying to send me a court Subpoena without ever giving me an bill or notice of triple of the amount owed to them. I'm unemployed and just had a major surgery done  and now have to deal with threats of them trying to call and tell me they will take my used torn vehicle and say I now owe {$3000.00} vs {$600.00}. Cash Net usa is not the the place to get a help for a loan. They have hidden fees, they wont send any Bill 's of what's owed and hit you with collections triple your amount
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a significant error on my credit report resulting from incorrect reporting dates on accounts with the banks mentioned. Due to an error by the bank in sending statements to the wrong address, I experienced late payments that were not accurate. The bank has acknowledged the mistake, and I urge you to promptly update my credit report to accurately reflect that the accounts were never late, ensuring the correction of this error that adversely affects my credit standing. Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have been contacted by phone by XXXX XXXX XXXX XXXXXXXX indicating they are a courier notifying me of a debt from overdraft fees they state I owe Fifth Third Bank and threatening legal action. I have repeatedly told them I have not held an account with Fifth Third Bank in XXXX years. They stated my account was never closed and that I needed to prove that it was which is to say ridiculous given the amount of time that has past. I have had no correspondence from XXXX XXXX regarding this either. These individuals contacting me had my personal cell phone number which I did not have at the time of the acct those years ago and they had my social security number. I don't know if this is a scam or improper debt collection but I can not possibly be held liable for debt from XXXX years ago that I didn't even know I had. I live in NC. I have filed a complaint with the NC DOJ consumer protection unit but these individuals are calling from out of state. The numbers that they are calling from are XXXX and XXXX. When I asked for proof of debt they sent me emails from docusign. I'm not uploading or signing anything from them. I have requested they cease and desist contacting me regarding this.
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: Experian Information Solutions Inc. (TX)

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2024-03-08
Product: Credit reporting 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 would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information.

Account Name : US Department Of Edu Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3800.00} Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Student Assistance (CA)

I am a victim of identity theft. The account was 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.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. 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 n 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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n 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 60days 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (WA)

Early XXXX of this year, XXXX, we wanted to be qualified for a loan to purchase a home. I asked the home builder of their preferred lender. They gave me the information below : XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX Direct XXXX Fax XXXX XXXX At the beginning he was responsive to our questions and concerns. But as time went by, couple of weeks, he started not returning my emails of phone calls. I called to set up a time to talk, but he would skip the phone appointments and come up with an excuse. By mid-XXXX of XXXX, it became clear to me he was avoiding all contact with us, and hoping we would just go away if he did not answer my phone calls and emails to him. Once we sent in copies of our driver 's licenses, he ceased all communications with us. We have the financial wherewithal to meet and exceed our monthly mortgage payments. I see no other explanation of his discrimination but for the fact of our skin color.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.