davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

The debt is claimed by PAYPAL CREDIT CARD Services. I have attempted to resolve this with the company to no avail. 

This has been going on for several months and despite my providing proof from the vendor that no credit card charge was made by me on the dates and amounts, they persist in sending me statements slapping on late fees. 

These are the details of the charges : XX/XX/2019 : {$740.00} XXXX XXXX XXXX XXXX XX/XX/2019 : {$740.00} XXXX XXXX XX/XX/2019 : {$640.00} PLUS LATE FEES I am attaching copies of my XXXX XXXX bank statements from a few months before XX/XX/2019 and a few months after XX/XX/2019 that show that NO charges to XXXX XXXX XXXX XXXX and XXXX XXXX occurred on not only my XXXX statement but on statements before and after. 

I also included an email from XXXX XXXX XXXX XXXX accounting department that they had no charges from me XX/XX/2019 2019
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (LA)

I am being illegally charged with high interest rates. I am paying thousands back in total for a {$520.00} loan every two weeks. 

XX/XX/2020 Amount Financed {$520.00} Annual Percentage Rate 771.72 % Finance Charge {$3500.00} Total Payment {$4000.00}
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

I opened the Kabbage account on XX/XX/21 and initialed {$6000.00} from XXXX XXXX  to it. They locked my account on XX/XX/21 and also withdrew {$6000.00} from my XXXX account. I requested them to return my {$6000.00} to my XXXX XXXX  because I can't log in Kabbage account to transfer it. They said they can't because my account is locked. I asked them to close my account then send me back the balance, they said they can't close my account either because my account has {$6000.00} balance. Their system seems to be in an infinite loop! The system of this bank is very problematic, and the customer service is not professional, which can not solve my problem at all. I have uploaded all the documents they asked to unlock my account, but no one at their bank followed up on my case. I can't use my {$6000.00} fund for almost a month. They should pay me back the interest and the time I lost.
Consumer complaint received 2022-04-28
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)

I have previously disputed this account with EQUIFAX, XXXX and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2021-12-09
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. (OH)

I had this account removed earlier this year due to fraud. I checked my credit report today and saw the XXXX XXXX on my Credit report. I never did this transaction and would like for this to be removed immediately.
Consumer complaint received 2018-12-06
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. (MS)

The XXXX XXXX account is showing a balance but the account is paid in full. XXXX  XXXX Account No. : XXXX. Attached is a letter from XXXX XXXX staying that the account is paid as of XX/XX/2018. I sent Experian this letter and they still report XXXX XXXX as having a balance. This just proves that Experian is very negligent in the credit dispute process.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A. (SC)

On XXXX XXXX I purchased a XXXX  XXXXXXXX XXXX from XXXX XXXX in Maryland via finance through PNC BANK. At that Time I was charged a finance charge and a cash down payment. According to 15 USC 1605 The finance charge is the SUM of all charges. During this transaction I provided a trade in and a cash down payment. I also paid for my own Gap insurance and regular insurance. I have sent several documents to PNC in order to settle this matter with no resolve. Also, at the time of purchase I was not made aware that I have an option of Rescission 15 USC 1635 which is suppose to be disclosed clearly. This was never disclosed to me in fact, the contract clearly states " NO COOLING OFF PERIOD '' which is also a violation.
Consumer complaint received 2022-04-28
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: Freedom Mortgage Company (NJ)

In accordance with the fair credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with out my writing instruction 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for Any purpose
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

I, XXXX XXXX, entered into a consumer credit transaction with Comenity Capital/Forever 21 on XX/XX/2019. Pursuant to 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. XXXX is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. I am demanding that Comenity Capital/Forever 21 return any fees that were improperly collected for this billing error. Furthermore, Comenity Capital/Forever 21, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

We are a small running business with a great market share and reputation. We recently decided to migrate our processing and banking accounts to chase. We have been treated horribly, our deposits goes on his for weeks including XXXX, we are not able to do business, this is causing delays in our best term which is XXXX hours turnaround, our accounts are going in the minus, they decided from the second transaction that is absolutely and perfectly low risk with every supported document that we are deemed high risk. We have been in business for XXXX years with a close to XXXX revenue a year. 

We are hurting, chase has our money and we need a solution, I am at a place where I call every department every day for help. No hope. 

They cancelled without a notice payments for jobs while it's delivering putting us at high risk of not getting paid for many reasons I'm uncertain if this bank has any support for small business as they claim to be. I need someone with decision making power to get us out of this financial slavery they put us in.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (KY)

This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX, I sent a request to Experian to cancel my account. On XX/XX/XXXX, I received an email acknowledging that my account with Experian had been cancelled. My credit card was then charged for {$21.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then locked my card so that it could not be charged inXX/XX/XXXX. I keep receiving emails from the card issuer telling me that my 'purchase from Experian for {$21.00} could not be completed '. I have since sent XXXX emails telling them to stop trying to charge me for a cancelled account.
Consumer complaint received 2022-04-28
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. (AR)

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WASHINGTON FEDERAL BANK (TN)

XXXX XXXXXXXX XXXX filed a lien on my property at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, which is now Washington Federal Bank. I have recently contacted XXXX XXXX XXXX ( XXXX ) in XXXXXXXX XXXX XXXX. I was advised incorrectly on how to resolve this dispute and and notified XXXX XXXX that this debt was invalid. Although filing has been continuous every 5 years, according to the Tennessee law the " Period of Validity of Liens Extensions ''.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I never open this XXXX CHASE JPMORGAN CHASE BANK Card. It says I opened it on XX/XX/2012 but I never did. I disputed it but it still showing in my credit.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (DE)

I am a cosigner on a loan where my son is the primary account holder through American Honda for an auto loan. This was opened in XXXX of XXXX. Recently I discovered in XXXX of XXXX that American Honda reported to my credit report that the payment was 30 days late in XXXX of XXXX, 30 days late in XXXX of XXXX and 60 days late in XXXX of XXXX. American Honda contacted me via phone on XXXX XX/XX/XXXX and informed me the payment was late. The account was brought current on the same day. American Honda did not attempt to contact me in the months prior, when it was known the payment was late. I did not have contact with my son at the time who holds primary responsibility for the account to know that the account was past due. I called American Honda numerous times after discovering they reported on my credit to try for a resolution to have the 3 late payments in XXXX, XXXX and XXXX of XXXX removed. I feel these should be removed from my credit report since the company did not give me fair and proper notice the payment was late thus giving me time to bring the account current on the spot.
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

In XX/XX/18 company opened a collection account. 
XXXX {$600.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all credit bureaus. 

XXXX XXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2023-03-28
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. (NY)

The Equifax Credit Burea is showing that I owe my Credit Card Company ( XXXX ) a balance of {$8500.00}. Credit Card ending in XXXX. This information is incorrect, old and is destroying my current Credit Score. This card was paid in full several months ago, destroyed and I have since been issued another card by XXXX. I notified XXXX concerning Equifax 's Reporting and I was told in writing that XXXX does not control Equifax 's Credit Reporting.
Consumer complaint received 2021-08-14
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. (LA)

I have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate. 

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Consumer complaint received 2021-04-12
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 recently submitted a dispute to Equifax for them to remove an account they are continuously reporting and updating. This account is completely inaccurate and should be removed immediately. My most recent dispute on this account ended with Equifax certifying and updating an account that was included in a bankruptcy as a charge off account. I knew something was horribly wrong when this action dropped my Equifax score by nearly 30 points. Equifax is the most irresponsible credit reporting agency of them all. They plaster your report with adverse inaccurate information and refuse to remove it. The account I am referring to now is XXXX XXXX. This account was included in a Chapter XXXX Bankruptcy, but somehow Equifax has verified and updated this account to the status of XXXX XXXX. I will include supporting information and documentation. The only acceptable solution is for Equifax to delete this account, which they have verified as XXXX percent accurate and complete with the new update after my recent dispute. This account should be deleted immediately. I have included evidence from one of the better credit reporting agencies and how they abide by the rules, it also shows evidence that the XXXX account was NEVER a CHARGE OFF. Equifax must not update this account, it must be deleted per the FCRA.