davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NJ)

I received a letter at my home address that I opened a credit card under PayPal with an available credit of {$2000.00}. I called PayPal on XX/XX/2020 and notified them this was an act of fraud. They canceled the card. There was an email attached to this act that is not mine and I do not have access to. About a week prior I received a card in the mail from XXXX that I did not apply for. I also saw transactions on my debit card from XXXX that I did not complete. I called my bank and they credited my account and sent me a new card in the mail.
Consumer complaint received 2020-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This is in reference to the overdraft protection I have for my checking account with Capital One Bank.

The site states that " there is no transaction history available and to call a number '' - already suspect.

When you try and pay off your overdraft amount online, the transaction does not go through and no follow-up information is provided. This delays payment and affords Capital One the opportunity to collect interest on the loan. I find this devious and inappropriate.

I called the customer service number on my own accord and was told that there was a known glitch in being able to pay off the overdraft protection amount. This has gone on for over a year. I believe it prudent to see how much money Capital One is making in interest with the " glitch ''
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

Dear Receivable Mgmt Group After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2020-02-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX XXXX confirms NO LETTERS after I confirmed there were two dated XX/XX/XXXX and one XX/XX/XXXX. He confirms I did Not make a fraud report UNTIL XX/XX/XXXX. XX/XX/XXXX is the first Credit Reversal of {$12.00} IT MUST HAVE BEEN REPORTED * PRIOR TO XX/XX/XXXX TO BE A CREDIT REVERSAL ON XX/XX/XXXX STATEMENT?? See attatched 3 USAA letters regarding USAA FRAUD CREDITS APPLIED. Kindly note ALL THREE letters confirm creditcard ends XXXX. See attatched XX/XX/XXXX statement Card ends XXXX. USAA reversed {$120.00} XX/XX/XXXX letter NEVER Creating New Purchases XX/XX/XXXX. I did not authorize OR REPORT FRAUD & {$210.00} XX/XX/XXXX NEVER REPORTED FRAUD confirming USAA CREDITS APPLIED back at beginning of investigations done on these two transactions. See attatched statement XX/XX/XXXX The ONLY CREDITS APPLIED WERE FROM MERCHANTS. USAA reversed credits NEVER GIVEN. USAA ( TEMPORARY CREDITS * ARE NEW PURCHASES ON MY ACCOUNT XX/XX/XXXX ) I DID NOT AUTHORIZE ANY OF THESE ( CREDIT REVERSALS NEW PURCHASES DISPUTES NOT IN MY FAVOR?? OR WHATEVER ) AND USAA DID NOT PROVIDE CREDITS ONLY MERCHANT CREDIT. See attatched letter XX/XX/XXXX {$470.00} CONFIRMING *** TEMPORARY CREDITS WERE MADE PERMANET. FRAUD CLAIM DATE XX/XX/XXXX **NO USAA TEMPORARY CREDITS CREDITS APPLIED PER STATEMENTS TO MAKE PERMANET in XXXX. This entire amount of the 3 letters TOTAL {$810.00} All Appear as NEW PURCHASES in XXXX see total New Purchases under Summary Activity. XX/XX/XXXX and All XX/XX/XXXX NEW PURCHASES XXXX ARE NOT AUTHORIZED. These same purchases I reported fraud are back again as NEW PURCHASES XX/XX/XXXX AS DISPUTES ** NOT IN MY FAVOR??? HUH?? they are Unauthorized. Now they ARE NEW PURCHASES?? WHY DOES USSA LEAVE CONSUMERS WITH FRAUD? Taking merchant credits for their own.???
Consumer complaint received 2022-10-15
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. (SC)

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX is an account that fails to meet the industry standard for accurate reporting and this is an account I don't recognize. First, there is no reporting whatsoever coming from XXXX as this is a falsely reported account and was already taken deleted by them. Second, I see no evidence of a XXXX XXXX XXXX XXXX on my record so from my understanding from speaking with Experiand and Transunion representatives this could be a Mixed or Merged file. Third, the payment status for TransUnion remarks current and the payment status for XXXX remarks Wage Earner Plan? Fourth, the date last active states XX/XX/XXXX for XXXX and XX/XX/XXXX. Fifth, there is inconsistent reporting for Date of Last payment with it being blank on XXXX and then reporting XX/XX/XXXX for TransUnion. The two-year payment history is absolutely inconsistent as well. Ultimately, I have sent numerous correspondence on this item with no followup. Please see enclosed screenshots below.
Consumer complaint received 2020-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

First of all, I am not a US citizen, I am from XXXX and living right now in the US, feel like I am being treated like a XXXX for this fact, which I can not change obviously. 
I don't know where I can complaint for inconvenience and inappropriate customer service that happened to be from two clothing brands but I will tackle one now for the credit card application. 
I have American eagle multiple branches in XXXX and I have purchaced multiple times from them whether in my country or here during my stay, during a purchase I was told I can apply for credit card as long as I have American Eagle in my country with my passport ID, so I missed the application on that day, on XX/XX/2020. I went for another branch and I was told it's ok to bring my passport and use it for the application to get 20 % off my prchase. I went homeback in the US to grab my ID and when I finally arrived after 180 minutes almost, guess what??? I was told sorry you need a social security number for this otherwise, application is denied. OH!! really??!! why I wasn't told this ealier instead of wasting time and effort and money for this XXXX. I am really disappointed for the attitude and rules of being a international customer with no rights or rewards because I don't have a social security number, I called the customer service the next day to speak about this, no one helped me actually and I was kept on hold for half an hour then finally someone answered saying sorry who are you calling then ended the call. I really wish I could have spent my money which is like above 500 dollars during the last month for a better customer service.I am attatching my last purchase receipts. Hope I am getting a reply. Thank You.
Consumer complaint received 2020-02-23
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. (FL)

I have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files
Consumer complaint received 2022-10-15
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. (SC)

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  is an account that fails to meet the industry standard for accurate reporting and this is an account I don't recognize. First, there is no reporting whatsoever coming from XXXX as this is a falsely reported account and was already taken deleted by them. Second, I see no evidence of a XXXX XXXX XXXX XXXX on my record so from my understanding from speaking with Experiand and XXXX representatives this could be a Mixed or Merged file. Third, the payment status for XXXX remarks current and the payment status for Experian remarks Wage Earner Plan? Fourth, the date last active states XX/XX/XXXX for Experian and XX/XX/XXXX. Fifth, there is inconsistent reporting for Date of Last payment with it being blank on Experian and then reporting XX/XX/XXXX for XXXX. The two-year payment history is absolutely inconsistent as well. Ultimately, I have sent numerous correspondence on this item with no followup. Please see enclosed screenshots below.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Portfolio recovery associate, acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX services XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 A. 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 an account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records and convictions of crimes which antedates the report by more than seven 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 cost to believe the information is an accurate
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} 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 XXXX
Consumer complaint received 2022-07-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (FL)

After doing several disputes with Experian and XXXX  I am still not getting the investigation that I asked for. By all three companies not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all three companies and the Creditor asking for validation. The information was completely ignored from creditor XXXX. All three creditors failed to do an investigation before reporting false information.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

I am writing because I opened a PayPal line of credit in XX/XX/XXXX account number XXXX. Since I had the account, it has been paid on time with no late or missed payments. Suddenly at the peak of the COVID-19 situation in late XX/XX/XXXX Synchrony Bank who is the parent company closed this PayPal account and two others under Synchrony Bank umbrella.

When they first closed all three lines of credit that I had with PayPal, Mattress Firm and Lowes totaling over {$67000.00} worth of credit limit. They said at the time that I was a high-risk account. This had me confused considering I was only using a total of about 13 % or so across the board of my available line of credit. None of the cards were maxed out or anywhere close to. Nonetheless, on XX/XX/XXXX PayPal solicited me via email to promote or offer me a line of credit to an account that they closed in XX/XX/XXXX as mentioned above.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint against XXXX XXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX/XXXX/XXXX  appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with XXXX XXXX, Experian, XXXX, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (NC)

I have been trying to get correspondence regarding a repo Jefferson Capital Systems. I do know anything they report to the credit bureaus they must have proof of what they are reporting. The information must be 100 % accurate, 100 % verifiable, and 100 % timely. If they do no this is considered illegal and purposefully harmful. The reporting of this information has hindered me from obtaining credit. I have mailed two letters requesting proof of what they are reporting. Both sent certified mail ( attached ). The letters were hand-delivered to XXXX XXXX XXXX XXXX XXXX, MN XXXX. The first letter was received on XX/XX/XXXX. Since I received no response as a courtesy, I mailed a second letter on XX/XX/XXXX. Both of my letters gave them 15 days to respond. 

In my letter, I gave the specific language of what should take place if no response. " Please know this is my second time writing you with no response. Please provide me with copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle listed. If no proof is provided within 15 days of receipt of this letter, the alleged claim of a deficiency will be considered null and voided and any collection efforts or continued reporting activities of this invalid claim on my credit reports will be considered a violation. Delet this inaccurate account immediately and send me an updated copy of my credit report top the address listed above. '' I am requesting that Jefferson Capital Systems stop reporting this inaccurate information to all three credit bureaus. 

Thanks for your corporation with this complaint.
Consumer complaint received 2023-03-24
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. (NJ)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (TX)

Experian, XXXX, and XXXX are reporting late payments for account XXXX XXXX XXXX XXXX. I was never late on this account, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.