davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

On XX/XX/XXXX I paid a collection with XXXX XXXX. havley is the collection company that has the collection listed. The payment was make to the original creditors XXXX XXXX. Havley was informed of this and ask to verify I co tacted them 30 days later because the information had not been removed. They stated that they only update o XXXX a month around the XXXX of the month 45 days and a week after they said they do their updates the information is still incorrect
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

American Express offered a XXXX point bonus for new applicants of XXXX credit cards who spent {$4000.00} in the first 6 months. This bonus offer language was on their website, all the reviews from various media, and was also the same offer listed when I logged into my individual AmEx online account. I opened a XXXX credit card account on XX/XX/XXXX, and did not see any notifications of a different offer than the one listed of {$4000.00} in spending in 6 months. I spent {$4100.00} with my AmEx XXXX card between XX/XX/XXXX and XX/XX/XXXX. I received {$170.00} as cash back rewards for some of my purchases, so I made sure that my XXXX XXXX after rewards was over {$4000.00}. When I contacted AmEx about my missing bonus, I was told that they do " dynamic offers '' and they changed my offer to 3 months of spending instead of the 6 months that was advertised. I was not notified of this change. I saved the 2 emails I received from AmEx when I opened my account on XX/XX/XXXX, and neither mention a change in the promotion that I was offered. Since XX/XX/XXXX, I have contacted AmEx several times to request the XXXX membership points. I also provided them with the offer details that I retrieved from the AmEx website and 2 of the reviews of the offer from the time period I applied to my account. I would like to receive the XXXX membership points that I should have earned.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ]. 
4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action.

I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.
Consumer complaint received 2021-11-06
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 (CA)

After I reviewed my credit report, i notice that capital one has an late payment on my credit report XX/XX/2020. I write to the " person '' in regards to having that late payment removed from my report. Capital One return a response letter informing me that they were unable to remove the late payment. I contacted then on numerous time to speak with someone about my account but they would not assist me at all. I had inform them that congress tell us in 15USC1681a 2a1 that report containing information solely as to transactions or experiences between the consumer and the person making the report. Where does late payments come from? All I'm asking is for them to remove the late payment from my credit report and update my credit report, knowing that this is a congress law and I'm fighting for my consumer rights they are breaking the law and I would like them investigated. As a result I requesting for all negative items removes from my capital one account and mu credit report to updated.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Re : CareCredit On XX/XX/XXXX, I had dental work done, and my dentist suggested opening a CareCredit account, since there was " no interest, and I might as well pay off my dental work slowly, with no interest. '' So I opened a CareCredit account at my dentist 's office at that time. My original debt was {$2500.00}. 

I set up my CareCredit account for automatic payments from my checking account, and didn't think about it, because I knew there was no interest. 

Approximately a month ago, I looked at the balance remaining to be paid on my CareCredit, and was surprised how high my balance was ( {$1500.00} ), considering how long I'd been paying this loan. 

I emailed CareCredit asking for detailed information on my loan. A few weeks later, I received statements in the mail for the past year ( 2017 ). This is when I realized I had been paying 26.99 % interest on this loan, for the past four and a half years! ( I learned later I actually paid interest for three and a half years. ) I called CareCredit today and spoke with Customer Service agent, XXXX. I explained the situation to him. He was " sorry for the inconvenience. '' I asked specifics of my loan. The original balance on CareCredit was initiated XX/XX/XXXX for {$2500.00}. Apparently, on XX/XX/XXXX, the promotional period ended and I began paying 26.99 % interest! The interest I've paid since XX/XX/XXXX ( {$2500.00} ) is more than the amount of my original loan! 

I paid the balance off today, and closed my CareCredit account. 

In XX/XX/XXXX, CFPB ordered CareCredit to refund {$34.00} million for deceptive Health-Care Credit Card enrollment. The CFPB investigation discovered 1 ) Deceptive Enrollment processes ( " service provider misled consumer '' ), and, 2 ) Inadequate disclosures ( I did not " receive copies of the actual CareCredit agreement, and instead had to rely on the office staff 's oral explanation. '' ) I was a victim of both of the above, however, wasn't notified of a settlement, and wasn't reimbursed. 

There was an enforcement action that was ordered to CareCredit. That enforcement action included : " New disclosers to consumers will include improved descriptions of the deferred-interest product, and CONSUMERS WILL BE WARNED IN ADVANCE WHEN THE PROMOTIONAL PERIOD IS ENDING. '' I was not warned or notified! Therefore I unknowingly and deceptively, began to pay 26.99 % interest for three and a half years.

Total interest I've unknowingly paid ( until now ) is {$2500.00}. CareCredit did not abide by CFPB enforcement orders for full discloser given to them on XX/XX/XXXX. Therefore, I want to file a claim to CareCredit, through CFPB, to be reimbursed the full amount of interest I've paid to CareCredit, {$2500.00}.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2023-04-01
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. (NC)

Disputed on Experiansubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and Experian will not removed After submitting proof of paymentinaccurate information remains on credit reports
Consumer complaint received 2022-04-29
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 without my written instructions
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. Transunion and XXXX will not remove this collection or inquiry that were also affected by these events
Consumer complaint received 2022-04-29
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-29
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: JPMORGAN CHASE & CO. (FL)

I never opened a JPMCB card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WI)

I received a debit card from Chase and a letter saying it was attached to a checking account, and that I should activate the card. I do not have a Chase checking account. I called the number on the card to ask them to close that account. She said I was a victim of fraud and that I should get a credit report to be sure there aren't more accounts open in my name.
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a 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 any purpose.
Consumer complaint received 2020-06-03
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: CITIBANK, N.A. (NY)

I am writing about an account which reports from Citi, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (MA)

I am writing to express my frustration and dissatisfaction with the numerous unsuccessful attempts to remove unknown inquiries from my credit report. Despite my persistent efforts to dispute these inquiries, they continue to appear on my credit report, which is deeply concerning. 

I have encountered multiple unknown inquiries on my credit report that I have no knowledge of and did not authorize. These inquiries not only impact my credit score but also raise serious concerns about potential identity theft or unauthorized access to my personal information. 

I have diligently followed your agency 's procedures for disputing inaccurate information and have submitted multiple requests to have these unknown inquiries removed from my credit report. However, I have yet to receive a satisfactory resolution to this issue, and the inquiries persist, causing unnecessary stress and anxiety. 

As a responsible consumer, I take great care to monitor my credit report and ensure its accuracy. The presence of unknown inquiries not only undermines my efforts to maintain a healthy credit profile but also erodes my confidence in your agency 's ability to protect consumers ' privacy and financial well-being. 

I urge you to prioritize the immediate removal of these unknown inquiries from my credit report and to conduct a thorough investigation into the source of these inquiries. Additionally, I request that you provide me with regular updates on the status of my dispute and the actions being taken to address this issue. 

Failure to resolve this matter promptly will not only impact my financial standing but also reflect poorly on your agency 's reputation for accuracy and reliability. I trust that you will take swift and decisive action to rectify this situation and restore the integrity of my credit report. With this, I am asking for your assisstance to remove othese unknown inquiries in my credit file : XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX DEPTEDNELNET-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX  XXXX-Balance : {$0.00}
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (AP)

I believe that the company misunderstood what my complaint was the first time. I only used my card when waiting for my debit card to arrive. When I did use I paid it off as soon as my debit card came in. ( No more than 1 week ). This occurred initially in XX/XX/2016. In this case I went in to pay my bill as soon as I received my debit card IN-PERSON by going into the local aafes base exchange. I paid the amount in full because I know I used my card recently and then I shredded it because I knew I wouldn't be using it after my debit card came in. Next month I received a bill saying I had money due. It didn't make sense, so I immediately went into the base exchange. I went in the next day and they told me that I already paid my balance and I had a balance of XXXX dollars. I told them I received a bill that said I had a balance. I figured that it was an old bill balance just talked to them and they realized they made a mistake to begin with. I did not receive statements for several months after that, for good reason, I assumed since I hadn't used my card. After 8 months I received a call from my flight commander and said I had a bill due with accumulated interest. I went back to aafes and told them exactly this. They were helpful and apologetic. They called star card department for me. I talked to a guy that was not willing to help at all. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Whether the mistake came from aafes employees, the military star card company, or the XXXX XXXX, I am became a victim without any opportunity to help myself. This severely hurt my credit since I have never owned a credit card before this and it is preventing me from owning a basic level credit card at all.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Liberty Loan Co inc. (TX)

Liberty Loan keeps contacting me in for a loan issued to XXXX XXXX. I have nothing to do with that loan and I want them to stop calling me ASAP or I will file legal actions against them. I have no ties with her and I want them to leave me alone.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern and frustration regarding the delayed removal of fraudulent items from my credit file. As a responsible consumer, I rely on the accuracy of my credit report to make informed financial decisions. However, I have recently discovered fraudulent items on my credit report that are damaging my creditworthiness and reputation. 

I have taken all necessary steps to report these fraudulent items to your agency and have provided supporting documentation to substantiate my claims. However, I am dismayed by the lack of action taken to address this issue and the prolonged delay in removing these fraudulent items from my credit report. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit file and to take immediate steps to investigate the circumstances surrounding their inclusion. Additionally, I request that you provide me with regular updates on the progress of your investigation and the actions being taken to rectify this situation. 

Failure to address this matter promptly will not only harm my financial standing but also undermine my confidence in your agency 's ability to protect consumers from fraudulent activity. I trust that you will take swift and decisive action to resolve this issue and restore the integrity of my credit report. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX