davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Credit for XXXX XXXX credit card is an absolute disgrace and beneath standards of basic business. They ripped me off on promised rewards. They don't provide accurate itemized statements. Only summaries. They email my certificates with their hundreds of ads emails per month subjecting it to the risk of being stolen and won't stop it or give me the ability to stop it. I tried to call them and have limited phone minutes. It takes 10 minutes to get a person through their horrible recorded phone system. I entered my private info and then the person who comes on has no idea of what I entered and plays dumb. I wait even more they have no idea about the program or what I am due. I was put on hold and waited another 20 minutes and got nothing out of it. Then I called the next day went through endless loop of recordings and talking to the recording and waiting and waiting. Then I ask and some so called manager comes on after I demanded her and she is even dumber than the rep. She asked me for 3 private info. I gave it to her and she kept asking even more and more to 5 and still didn't help me. I am giving all my private info. over an insecure phone subjecting me to even more risk. There website says it has chat which is a lie because it is only a search bar for help yourself. These companies are getting away with horrible crime by issuing accounts and not providing basic reasonable and useful service for customers! They promise promotions and do not deliver or fulfill them! I returned an item to XXXX XXXX and they were suppose to give me back the amount of the rewards I paid with. They shorted me.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CARD Corporation (TX)

An account was opened in my name without my consent! I tried to call and see when and where the was the account established and my old address was used to setup. My stimulus check was deposited on the card and spent.I have been avoided every since I brought it to they attention. When I call they transfer me the phone hangs up. I filed a police report to prove my case! The account was closed after me mentioning it but no other compensation was offered.. The account was opened XX/XX/2020. The money was deposited on the card XX/XX/XXXX and taken off by atm shortly after no alerts or anything on this matter! Im extremley devastated please get back with me at your earliest convience!
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX of 2019 after making large payments to my balance my interest rate was increased from around 10 % to almost 24 % with no justifiable reasoning as I havent been late paying in over two years. Not even when I was late did it increase to such an amount. Also, I called several times to inquire about the reasoning and I was given a poor excuse that they reviewed my account recently showing an increase in usage, but only after I made large payment amounts. The other issue is they are not paying down the highest interest rate balance first causing me, for over a year, to pay more in interest for utilizing my credit card as the balance subject the higher interest only goes up. Now with the current situation my balance is going up more and more because Im only able to pay a few dollars more than the minimum balance. This is an abuse to perpetuate a persons debt to only increase.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (CA)

Continental Finance -- Verve credit card Since opening the account in XXXX 2014, Continental has regularly charged late fees to my account and reported my account as late to the credit bureaus when that has not happened. Initially, issues began when the card had to be re-issued because the card had not been received. Although, I had not received the card, Continental began charging me fees on the account. Late fees on a card that I did not have! 
Since that time, I have been charged a late fee each month. This account is setup on bill pay through my financial institution. I have this account setup so that payments are received by Continental at least 2 days prior to the due date and I always pay more than the minimum amount due. My financial institution has confirmed that payments have arrived as requested each month. I have noticed that it takes Continental approximately 6 days to process my payment. According to Continental, because they have not " processed '' the payment on or before the due date -- regardless of when they receive the payment, they consider the payments to be late and as a result, they are entitled to a late fee and can -- and do -- report my payments as being " late '' although the payment was received by Continental at the address as indicated on my monthly statements BEFORE the actual due date. 
I have never heard of a company considering a payment as being late when the payment was received in their offices BEFORE the due date because it takes them so long so process the order and do not feel I should be regularly penalized for internal payment processing issues at Continental. 
Continental also charges interest on late fees ... late fees that they refuse to refund. My balance due on this account is a result of late fees and not actual purchases.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

Best Services Company, a contracted collection agent for XXXX XXXX XXXX XXXX, agreed to delete my account upon full payment on XX/XX/XXXX. The account has not been updated since XX/XX/XXXX. The account has not been deleted nor updated. BSC claims they do not delete accounts once they have been paid. I informed them I only paid it upon the condition that a deletion occur for all XXXX reporting agencies. I have not received a paid in full notice, the account is still showing as derogatory. I paid my debt and BSC should delete the account as they agreed to do. This derogatory collection debt which has been paid is severely affecting my credit. I am trying to repair it and BSC is causing me unnecessary harm. They received their payment. They can not continue to punish me in this manner.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX SAVINGS BANK stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (NV)

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution. 

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TX)

A charge is noted in my background check that did not happen to me. After reviewing the county court public records myself, I saw that another person with my same first and last name but differing middle name was charged with this crime. The case number and the date filed all matched the information in the report.
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (OH)

On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all XXXX credit agencies and sent out a debt validation letter to LVNV Funding. XXXX week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Capital Enterprises, Inc. (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2021-07-09
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. (IN)

I have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix it.
Consumer complaint received 2019-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (PA)

I was approved easily for a small {$500.00} loan as part of the MONEY LION PLUS PROGRAM and paying XXXX a month - I have no problem with that as I'm working to build my credit score while on a humble XXXX income I had to turn to 5 years ago as my condion worsend.. 
Hower part of the money Lion plus program was they also deduct from my account ANOTHER {$79.00} -broken down into XXXX as a monthly membership fee and a XXXX into a " investment ' '' account - The loan I can handle ... 
My complaint is the other XXXX that is almost double my loan payment -- it's tightened up my budget beyond being doable in life needs - since the other XXXX is really my money voluntary put in a investment - I called them, and asked to close my membership, send me The XXXX ( built up in " investment '' ) that's mine, OR put it towards loan payment - seems fair and morally even I pay what's lended to me They said no way ... it will ALL continue till loan payed.. 
I payed down to XXXX and WILL pay THAT- they refuse to stop deducting the other XXXX monthly out of my account that's Not part of loan repayment - I told them I'd call the bank and stop the ( ACH ) deduction that was the member / investment part - They replied - " they'd give me a negative mark on my credit score EVEN if I kept paying loan BUT didn't pay other deductions that are MY money, not loan ... 
An extra XXXX might not seem like alot to some, but when your paying up past LEGIT bills to improve credit score, while living on tight budget, it all helps - but even with my personal life not included, there unwillingness to allow me to close account while still paying loan is my complaint to this organization. 
Thanks for reading and any help that can be offered.
Consumer complaint received 2019-03-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION (OH)

I had a payday loan with XXXX XXXX XXXX, I became XXXX and was not able to pay it. EVERYONE in my family has been contacted by the company they hired to try to collect or file legal action against me. The company ( XXXX XXXX ) gave everyone in my family their phone # along with the case #, all they would have to do is give my birth date or last four SS # and they could have access to this information! I called the company at XXXX XXXX and asked that they not contact my family. They said they noted the account, but yesterday evening they ( compliance officer ) contacted my brother in law and left all of my information again name, their # and my case # and this is a debt and I would be getting it filed in court etc. 
When I called and spoke with them again to try to work out a repayment plan they refused my offer. I was also told that XXXX XXXX XXXX sent me a certified letter and made numerous attempts to contact me. I never received anything. I have emailed XXXX XXXX XXXX two times to try to work this out without a response. The company that was hired is extremely rude and nasty, they would not give me their address, fax # or any information for my own files I was told that " I do not need it ''.
Consumer complaint received 2015-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

During the times of the hospital visits, I had health insurance and full health coverage from the Department of Veteran Affairs. I went to the hospital and now they refuse to accept the insurance. 

The collections are : Kings Credit Services Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX. XXXX, Amount {$1300.00} 2. XXXX, Amount {$130.00} 3. XXXX, Amount {$450.00} Original Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 1. XXXX, Amount {$80.00}
Consumer complaint received 2024-02-19
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. (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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (FL)

I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.
Consumer complaint received 2017-08-10
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)

I am writing concerning my experience with Capital One Bank. Theres concerning marks reporting derogatory in my credit files that I would like to have removed. This account was fraudulently opened in my name. I have contacted this company on several occasions with no return notice of acknowledgement. I received my credit report profile from the 3 major reporting credit agencies today on XX/XX/XXXX. Unfortunately, Im showing a credit card account that was opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I am asking that this be deleted from my credit profile as this account does not belong to me. I have a Police Report, a Federal Trade Commission Identify Theft Report and a screenshot of the listing on my report. Ive made several attempts to solve this issue.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My chapter XXXX bankruptcy was completed in 2011. It will be 10 years in a few months since this item on my credit report will be displayed as active. From my research ; Ive learned that this type of bankruptcy will only remain on my credit record for 7 years. Ive disputed this item more than 5 times in the last two years and they refuse to remove it.
Consumer complaint received 2019-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

I applied for a {$3200.00} loan we could loan me last year due to my good credit FICO XXXX I was approved. the loan officer was  harassing me everyday that I must take out XXXX XXXX that would be better for me. the distribution of XXXX was such that they paid off my One credit card for XXXX what's the interest rate was only 9 % in the balance was put into my checking account at XXXX XXXX. during the approval process I was asked to send a voided check with my ID to the loan officer but she never disclosed to me that without my authorization or knowledge she set me up for automatic withdraw from my XXXX XXXX checking account fraudulently. on the second month I called XXXX XXXX to put a stop payment on that withdrawn since it was not authorized by me. due to the monthly payment being changed loan me  again was able to take out money from my XXXX XXXX account without my authorization. from the day I got that loan I get harassing phone calls on daily basis from their call center non-stop switching their phone number two different numbers and calling what are the payment is due or not. since last year I've been asking the representative to send me my loan disclosures that tells me what my interest rate is and what my balance is and they say yes we will send it to you but as of XX/XX/2019 I have not seen anything in the mail. I am providing you with a copy of the monthly statement that they sent in the mail it does not say the interest rate the balance or anything all it says is how much to pay which is predatory. I am not able to pay XXXX a month it is unknown number. I will file a lawsuit against loan me if for any reason they start calling my friends my relatives or anyone that I am associated with pretending to look for me. 
loanme  is fully aware that I am unemployed at this moment but yet I have been paying their monthly payment since last year. it is affecting my health in my well-being and I worry every night about this loan. I wanted to report this earlier but my brother-in-law passed away and I was busy taking care of him so I had no time to deal with this problem.