davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX   ) this  action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2017-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

In 2010 I lived in apartment that invest with rats in my building management said the build was aloud to leave. Which I did then this was place with a collection agency after the fact. Also the owner no longer own the property.
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. (NY)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2021-06-16
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: SYNCHRONY FINANCIAL (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Contacted on XX/XX/XXXX by a phone number ( XXXX ) claiming to be an attempt to mediate a credit card balance in default. The account information did not represent any account I ever possessed. Additionally one of the mailing addresses was somewhere I've never lived. Informed them that I would not cooperate. Within a few minutes, received both an email and phone call from " XXXX XXXX '' ( phone XXXX ) saying this was the final effort to collect the debt before they proceed with legal proceeding to seize my assets. 

The agent provided the supposed credit card number ( XXXX ) and issuer ( Citibank ), as well as dates account opened ( XX/XX/XXXX ) and date of last payment ( XX/XX/XXXX ). Said that amount of initial debt was {$1600.00}, but is now {$4800.00} after fees and interest. I told the agent that I needed to confirm that information with Citibank. 

I never applied for nor received a Citibank XXXX in the past 30 years. I contacted Citibank, and they confirm that do not have an account under my social security number, nor is that credit card number valid. 

Received a voicemail from " XXXX XXXX '' XXXX XXXX today asking to resolve this issue, but the phone call originated from the same XXXX XXXX  phone number that the original " mediator '' phone call came from on Friday.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX 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 with my written instructions.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I opened a XXXX XXXX credit card of XX/XX/XXXX. The bank that administers the account is Comenity Capital Bank out of XXXX XXXX TX. 

My first complaint about Comenity Capital Bank is they do not have any auto pay function on their website. It is clear they are looking to charge a late as a tactic to make money. My major concern is when, I opened the card the cashier at XXXX XXXX said I should apply for a store card because it has zero interest for 12 months. He explained that after 12 months the card would start charging interest which has been typical in my lending experience. Never did the store associate explain they would charge all the interest for the promotional 12 month period. I have been making minimum payments on the card for the last 12 months and the statement reminds you that you need to pay off the balance or you will be charged ACCRUED interest charges. I'm not a finance major and was not aware that accrued means ALL interest. As I mentioned early, I was told the interest would start after the 12 month promotion so I didn't pay attention to the term accrued interest. When applying for the card all I signed was a 2 '' x3 '' LCD screen which is the " AGREEMENT. '' I took the associates word for how the terms of the credit card work since it is impossible to read the " terms of agreement '' on the tiny screen. It was my error for not viewing my credit card statement in detail each month, but today XX/XX/XXXX I noticed a charge for {$280.00} for the accrued interest. I was told that the interest would simply start at the end of the 12 month period. I called Comenity Bank and was transferred four times and they said sorry nothing they can do and I signed an " agreement '' ( which was on a 2 '' x3 '' screen ). I explained my concerns and told them they are intentionally misleading consumers starting at the XXXX XXXX store. They said I should have looked at page three of the statement where it told me what the accrued interest was in same small black print as the rest of the various numbers. I asked why they couldn't put this on page one in bold red numbers saying this is what you will have to pay if you don't pay your account by the specified time. This is clearly a tactic they use to generate revenue. It isn't at all transparent and it is predatory in nature.
Consumer complaint received 2017-06-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (SC)

Greensky a cct #  XXXX   GreenSky will not  supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Multiple times ranging from probably about  XXXX  to  XXXX  I was repaying loans or putting them in forbearance which was requested I do so I would n't have to make any payments on the loans.  Little did I know that a lawsuit was created against Navient  XXXX   XXXX  due to this issue amongst others.
Consumer complaint received 2023-06-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (IL)

I took out an instalment loan in XXXX. I was also sold insurance to protect and pay the loan if I lost my employment and was no longer able to pay. This did happen in XXXX. I became medically ill. I provided the company with all my documents. The company started to repay the loan through the insurance I purchased but they stopped. 
I spoke with an Agent at XXXX the collection agency for the company and I was told oh they stopped paying so the debt is yours and we will continue to report that you owe. I was told my insurance on the loan no longer covered. I did inform the agent that I was filing a complaint for deceptive practices. 

I also requested a copy of the insurance policy I purchased. I never received any of the documents.
Consumer complaint received 2022-03-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account 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 an account without my written instructions.
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 — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ME)

I am making this fraud report ... .There is an address on my credit report that I have been trying to have removed iv never lived at this address there is a agency reporting to this address this address doesn't exist This. Address is XXXX XXXX XXXX Nissan financial is the ones reporting to this address I don't associate with either past or present
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB : XX/XX/XXXX
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB : XX/XX/XXXX
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

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

15 USC 1681 Section 604 A Section : 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 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed inaccurate accounts on my credit report. It's been months since I sent my first dispute in. The inaccurate information is still on my report.
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. (IL)

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 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 us 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently asked Trans Union, XXXX, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. Trans Union has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (TX)

I am writing to express my dissatisfaction regarding my bank and credit card accounts with PNC Bank. Recently, I received a bill in the mail detailing the amount I had spent using my credit card. To settle the balance, I diligently followed the remittance process and made a payment to the company. 

However, I am deeply perplexed as to whether PNC Bank committed a billing error or deliberately chose not to honor the law and acknowledge a valid method of offsetting my account. To compound my frustration, PNC Bank proceeded to report this incident to the XXXX major credit agencies. This action, I believe, violates the Fair Credit Reporting Act ( FCRA ), which clearly states that the term " consumer report '' does not include reports solely based on transactions or experiences between the consumer and the reporting entity. 

I find this situation extremely disappointing and seek a swift resolution. As I zeroed out my balance by diligently utilizing the remittance process, I kindly request that PNC Bank rectify this matter by promptly removing the erroneous credit report from my credit files with the aforementioned credit agencies. 

I trust that PNC Bank will take appropriate action in addressing and resolving this issue in accordance with the provisions of the FCRA. I appreciate your attention to this matter and look forward to a satisfactory resolution.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent a letter to XXXX XXXX and they have not responded or rectified the issue. 



Late payment from XX/XX/year> is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.
Consumer complaint received 2017-07-02
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. (SC)

Between the months of  XXXX ,  XXXX , and  XXXX  of    2017  an unverified account with  XXXX   XXXX  for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under  XXXX   XXXX   XXXX  for {$2600.00}. Once  XXXX   XXXX   ( who m I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive m y five bus iness day notice that this information was being re-reported on my credit report.
Consumer complaint received 2022-07-01
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. (NV)

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 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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX  took my autopay later then agreed upon, flagged me for 5 missed payment 's, i have another card with them and 4 years of perfect payment history, they yelled at me when I complained asking them to fix. I have XXXX with of credits on my accounts they won't unlock it. Dates were XXXX XXXX XXXX XXXX XXXX. 
It's paid in full.
Consumer complaint received 2019-08-02
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. (WA)

Thefollowingcompaniespullmycreditreportandassessifmyfinancialprofilewithoutmyauthorization.Ididnotapplyforcreditsothereisnovalidreasonforthemtoopenandcheckmycreditstanding..HavethisinquiryremovedfrommycreditreportasapXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (WI)

I went to Costco to sign up for an ordinary membership. The clerk filled me out for a CostCo credit card. I told the clerk I did not want the credit card because we already had an ordinary one we use. Today in the mail I received my CostCo credit card which I explicitly said I did not want to sign up for. I called the company and cancelled the card/account today but want to file this complaint to hopefully help the next guy this happens to.