davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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: SYNCHRONY FINANCIAL (NY)

I made two purchases using PayPal ( Synchrony Bank ) .The first purchase offered a promotion of 24 easy payments at zero percent interest. The second purchase is a 6 month zero interest promotion. When the bill came due the payments are not separated and the larger amount goes towards the 24 month easy payment plan and no option to pay down the 6 month promotion! There is no option to pay on the 24 easy payment and the 6 month promotion separately which means at the end of the 6 month promotion I will have to pay back all the interest!!! 

In a chat session with XXXX  I was told to make a payment and then call them and they will allocate the payment to the promotion I select so I made a one time payment of {$1000.00} to pay off the 6 month promotion to XXXX XXXX and I was very clear on the phone to PayPal where I wanted the payment to be applied! However they applied it to the 24 month plan instead. I have had 2 chat sessions and 3 phone calls and they refuse to correct the situation. This is completely a scam and fraudulent!! I should be offered two different payment schedules
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, XXXX, I tried the Experian on-line tool to FREEZE my credit XXXX XXXX XXXX XXXX times. I have excellent credit. XXXX times I entered the the correct information and thrice it says they are unable to freeze my credit and to send hard copies of information by certified mail to their mailing address in XXXX, Texas. They were charging me {$10.00} and I entered my credit card information for payment. WHY ARE THEY MAKING IT DIFFICULT TO FREEZ MY CREDIT. THERE IS NO REASON FOR ME TO MAIL CERTIFIED FOR FREEZING MY CREDIT IF IT CAN BE DONE ON-LINE. THIS IS ABSURD AND UN-AMERICAN!!!
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: VW Credit, Inc (GA)

hello, the following cc company ( VW CREDIT ) are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 and 60 day late. the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

My son, an authorized user of my Barclaycard ( XXXX ) account, disputed two fraudulent credit card charges ( {$130.00} and {$73.00} dated XXXX XXXX at XXXX XXXX and XXXX XXXX respectfully ) in the early days of XXXX, I think it was XXXX XXXX. Although my son visited the establishment earlier in the day, he left at XXXX XXXX. Towards the end of XXXX we received two letters from Barclaycard, one requesting additional information and the other denying the dispute. Copies of the card transactions of the disputed charges show neither was signed by him.
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On XXXX XXXX we responded to the request for additional infomation with a dispute form stating that the transactions were not signed by my son or I. On XXXX XXXX, Barclaycard denied the claim again and will not reopen the case.
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On Barclaycard 's website it states : Barclaycard provides fraud protection and monitoring on all of our credit cards to ensure the security of customer information. All customers are also covered by our {$0.00} Fraud Liability Protection - which means you will never be held liable for unauthorized transactions.
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Clearly this has not been the case with our experience.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

These inaccurate accounts are reporting on my credit report 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****
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint against XXXX. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FISERV INC. (LA)

Dear Sir or Madam : On XX/XX/2022 I presented check # XXXX from my account at XXXX XXXX for {$45.00} to XXXX at XXXX XXXX XXXX, XXXX LA XXXX. The check was declined by TeleCheck with denial record # XXXX. I received a receipt that provided a phone number to call to have TeleCheck advise me of why the check was declined. 

I spoke with a customer service representative at TeleCheck. I provided her with the denial record number, my name, my address, my phone number, the banks routing number, my account number and my check number. I had difficulty understanding what she was saying and ascertained that the call center was not located in the United States. She advised me that the check was rejected because I didnt have any history in TeleCheck and she added my information and the next time I would write a check to a merchant who uses TeleCheck my check would be accepted.

I told her I didnt want to be in the TeleCheck data base as I dont know who they partner with and would need a Privacy Policy from TeleCheck as they now have personal non-public information ( bank name, routing number and account number ). I subsequently learned that TeleCheck is a Data Broker, as defined by the FTC, and sells sensitive customer information to third parties. She informed me that I volunteered that information and it was in the system. She refused to send me a Privacy Policy. I told her that I provided the information under duress as she said it was required to find out why the check was declined. This was a lie as the denial code would have been sufficient to provide that information. I believe that it was a premise to get information that I ordinarily do not provide without a Privacy Policy. 

I then asked to speak with a supervisor and was connected to XXXX. XXXX stated that she couldnt give me a Privacy Policy at which time I asked that she delete me from the data base. I asked her to provide me with a written letter explaining the check denial ( would take 30 days ) and also a copy of TeleCheck history ( would take 15 days ). 

XXXX provided me with an address to write to with my complaint. It is listed above.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies : Account Name CREDIT COLLECTION SERVIC Balance {$100.00} Account Number ******** the address for the company is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Phone number : ( XXXX ) XXXX Date opened : XX/XX/2022 I've tried to call multiple times but no-one answer me
Consumer complaint received 2019-06-06
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XXXX, XXXX AND XXXX ARE REPORTING A COLLECTIONS ACCOUNT ( Law Offices Of Mitchell ) THAT IS NOT MINE. 
THEY ARE IN VIOLATION OF THE F.C.R.A I DID NOT GIVE XXXX, XXXX AND XXXX   CONSENT TO REPORT THIS ACCOUNT. 
THIS COLLECTIONS ( Law Offices Of Mitchell ) IS NOT MINE AND DOES NOT BELONG TO ME.
Consumer complaint received 2021-02-24
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (AZ)

I was approved for a joint credit card via Ashley Home Stores/Synchrony back in 2017. A couple of years later the joint account holder filed bankruptcy and included our joint account in her claims. I was unaware of this and the account now shows as a charge off on my credit. It is affecting my ability to obtain good loan rates and approval by other loan companies and I have tried contacting the company to settle the debt but they are telling me they can not accept payment because the amount has been written off for bankruptcy. There has to be a way for me to get this removed from my credit report so it does not affect me for the rest of my life. I have never defaulted on a loan in my life.
Consumer complaint received 2017-07-07
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (FL)

Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.
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I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.
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I asked them how they got this information and he stated he did n't know how his company obtained the information.
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These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.
Consumer complaint received 2017-07-07
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. (NY)

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, Experian reported a collections account from a company that I've never done business with. When I tried to use Experian 's online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc. (TX)

Contacted Comenity Capital Bank toll-free number and was told we could pay an account balance with a debit card. On XX/XX/2020, when we arrived at XXXX XXXX in the XXXX XXXX XXXX in XXXX XXXX, Texas, we were told we had to pay account balance with a check. DO NOT ATTEMPT TO CONTACT ME AT THE TELEPHONE NUMBER LISTED WITH THE XXXX. THAT TELEPHONE NUMBER IS A NON-WORKING TELEPHONE NUMBER. I PREFER TO BE CONTACTED BY EMAIL AT XXXX. DO NOT CONTACT ME BY TELEPHONE.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (NY)

company called XXXX  XXXX had hacked my bacnking account try withdrawing 3 seperate amounts {$25.00} on XX/XX/23, {$600.00} on XX/XX/23 and {$100.00} on XX/XX/23. I noticed transactions were not mine and put in dispute with my bank. Then i try calling the company but they are out of XXXX. Finally get notice from collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I never did this think its wrong these people are trying damage my credit.I have great credit.
Consumer complaint received 2021-09-04
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: Medical Data Systems, Inc. (TN)

XXXX I was made aware I can't refinance my home due to my credit score. I was advised there were medical collections on my report. I was advised they shouldn't be on my report due to H.I.P.P.A and my medical privacy. It has effected my score drastically. I have 3 separate medical collections from 1 company. I called the collections agency explained the situation. They advised me to call the 3 credit companies to dispute. As of today my score was updated and score increased by4 points. Due to 1 of the 3 collections
Consumer complaint received 2020-07-01
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. (FL)

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.
Consumer complaint received 2021-09-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Essential Lending Inc (TX)

I just got correspondence back from Wise Loan, theyre stating that I had loan documents but this is not my signature, even if this is identity theft this isnt a contract that has my wet signature due to the FDCPA this document must be provided. Ill file an identity theft report with the police but this debt needs to be removed from all 3 of my credit reports immediately
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Logging into my Chase Bank credit card account on XX/XX/2020, I have been presented with a set of agreements that I am being forced to accept in order to access my current and valid account. One of these agreements is a " consent to e-sign ''. I have been given no options to decline or defer acceptance of these agreements. i need to access my account in order to be able to make a payment on time and have agreed to e-statements, so I do not have the information to make the payment on time. Not only is this in bad faith, but I believe that it is illegal to force me to 1 ) consent to e-sign and 2 ) force me in the same session to electronically accept changes to my credit card agreements in order to be able to see my balance or make a payment on my account. In addition, the opt-out for any of these services requires mailing or calling and speaking with an agent. if they can provide an electronic opt-in, they should also be able to provide an electronic opt-out. 

Complaint # 2, the dates on some of these documents are in effect as of XXXX of this year. It is now XXXX and they are just now asking me to accept the terms of agreements which they changed in XXXX. I have logged on to the site multiple times from XXXX to today. They should not be able to retroactively date agreements by almost 3 months and force me to agree to backdated agreements.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Recently, a few days ago, I received a collection letter from XXXX XXXX trying to collect on an alleged that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue. I want to remove this collection account from Transunion, since I don't have any idea on that account.
Consumer complaint received 2021-09-17
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. (IL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-09-17
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. (TX)

This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under XXXX and Experian. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in XXXX it shows XXXX & in Experian it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX  children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have unauthorized inquiries on my credit report.I believe someone tried to use my social security number for personal gain. On XXXX I sent a letter to the credit reporting agency regarding inaccurate & unknown items on my report and they have not responded and it has been exactly 60 days since then. Section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove those items from my report so they should be deleted promptly. I demand these items be removed or I will file for litigation. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.