davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Equifax, disputed credit inquires at XXXX and by XXXX XXXX  the next XXXX  had results. This was not investigated properly. Now these items will remain for 2 more years
Consumer complaint received 2022-08-08
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. (PA)

By the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2024 FicoScore reported to Experian my to be XXXX. As of XX/XX/XXXX my credit score report from FicoScore to Experian is XXXX. I called as spoke to an agent and he did not have any reason why the credit went down, or provide proof why FicoScore would drop the score XXXX points. Please help me research and provide justification for the misuse of my credit. I am trying to purchase a home and this action will affect my process of home ownership.
Consumer complaint received 2022-07-15
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. (TN)

I have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.
Consumer complaint received 2022-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX XXXX received a text from chime asking if i had tried to use my card to authorize a {$290.00} charge at XXXX XXXX XXXX. I responded No it was not me and they replied back with a text that said it had been blocked and they did not let the charge go thru. I did not think I would need to worry about them allowing any charges from XXXX XXXX XXXXXXXX to go thru since I already said no I did not authorize the last charge but on XX/XX/XXXX they had approved two charges for XXXX XXXX XXXX. The first charge was for {$40.00} and once that went thru they then charged my card again for {$250.00}. I did not see these charges until the XXXX but I immediately called and filed a dispute and was very upset that they allowed the charges to go thru after I said no it was not me me. I filed my dispute on XX/XX/XXXX and asked the agent if they needed pictures with the text messages showing I had said NO it was not me but he said no they would have all that information. They closed the dispute just two days later on XX/XX/XXXX denying me my money back. This is unacceptable.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (FL)

I have a credit card which I paid in full on XX/XX/2024 via phone, at PNC bank, from my debit card for the FULL AMOUNT {$12.00}, XXXX that was communicated to me via the phone when I made payment. The payment was paid on XX/XX/2024. My expectation was to receive a statement with previous balance = {$12.00}, XXXX Total payments received = {$12.00}, XXXX Credits = {$0.00} Purchases = {$0.00} Cash Advances = {$0.00} Fees chargeXXXX = {$0.00} Interest charged = {$0.00} However I received a statement with an interest amount to pay {$45.00}. When I called they told me that this is from that cash advance I made. I have no other account with PNC bank. This amount was not disclosed in the balanced when I paid off the balance. The representative stayed away for almost 7 minutes before returning to the phone after I disputed this cost, telling me it was not charged in the balance. I paid it because I have never ever been in bad credit or pay my bills. However I want PNC Bank to correct this as it was not disclosed that any transfer interest will be changed and is not included in the balance pay-off stated on a day of payment. Customers can not get these surprises after the fact. This occurred today XX/XX/2024 on my visa signature - credit card, when I called to find out what this extra interest was. 
1. When PNC BANK payment calls says on the call " this is your outstanding balance ... ' it is not true. There are hidden costs that are not disclosed as any further interests that need to paid. YOU will get a bill with extra charges. 

Regards XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX purchased my information from Capital One Bank USA, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with XXXX XXXX XXXX.
Consumer complaint received 2019-02-21
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: Exeter Finance, LLC. (CA)

Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a XXXX XXXX exists in XXXX Georgia under my name and it is not mine.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2019 i logged into my account to make payment when i found out my account is being closed and i called to find out why, i was told my account is being closed due to my credit but i have a great credit and my credit report is currently frozen. so i don't believe any information i was given over the phone.. i need my account reopened asap. i have never missed a payment and i am being bullied by PayPal.com/scynchrony and my consumer rights are being violated.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.
Consumer complaint received 2019-02-20
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: Navient Solutions, LLC. (CO)

XXXX and XXXX are reporting incorrectly that I am 120 days past due on a loan with the DPT ED/NAV - XXXX partial account number XXXX and XXXX partial account number XXXX that have 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 2022-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I requested by email some credible information before I could proceed with this debt collector. I asked them to provide me a credible document from the original creditor staying how much they paid the creditor for my account after they threatened to sue me. They responded back indicating they would be forwarding my inquiry to another part of their company and to this date, I have not received the requested information. They have a 1.2 rating, law suits and multiple complaints online. They have refused to verify what they paid for this and put the inflated amount on my credit report. They try to use tactics to collect the balance on this card after the credit card company just kept adding late fees even after I closed the account. The card was authorized for XXXX and they are asking for double that amount when they can not show credible proof that they paid this amount to the original creditor.
Consumer complaint received 2022-07-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

in accordance with the fair credit act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish account without my written consent or instructions
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX had a judgment entered against her on XX/XX/XXXX for {$1900.00} in favor of MRC Receivables Corp. We have been trying for weeks to get a hold of someone at this company to secure a pay off letter to pay off this judgment so she can sell her property located in XXXX XXXX Virginia XXXX 
I am XXXX XXXX XXXXXXXX handling the sale of her property. 
There does not seem to be any contact information for MRC Receivables Corp on line. I believe they are a XXXX  corporation. I also think their parent company is Encore Capital Group. I can not get a hold of anyone there and other subsidiaries of that entity have no record of this debt. We need a pay off letter, good thru XX/XX/XXXX so she can sell her house on XX/XX/XXXX XXXX per her real estate sales contract. 
Can you assist? 
XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX or Cell XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (TX)

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (FL)

I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NC)

Carecredit has engaged in deceptive practices by not affording my consumer protections for services not rendered. 

A merchant is using an in-enforceable contract to deny me a refund for services not rendered 0 % They wont process the refunds
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act under its laws : XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission for XXXX XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout. 15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate. I appreciate your prompt attention to this matter. Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law. Thank you for your time and help with this matter.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (RI)

First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX provided an incorrect information on the background report contacting the wrong Company XXXX  for verification on XX/XX/2022. placing that my education tittle was refused causing delays on my starting day of work. 

This wrong process is holding my future employer to starting me on the new job. 
The Education reference from XXXXXXXX XXXX XXXX XXXXXXXX for my XXXX  diploma on XXXX XXXX XXXX XXXX XXXX XXXX XXXX has to be collect from The Department of education of XXXX. 

Missing and information not provided because they are calling to a different place that is not the right place for the XXXX de XXXX XXXX. 
I'm including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the list of the close institution and request transcriptions, however i am providing them as a support of my education to be correct ASAP. 

must call to the Department of Education in XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX EMail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Credits and XXXX showed under my original birth name XXXX XXXX XXXX XXXX that was changed legally XXXX  years ago to XXXX XXXX XXXX and all the federal and state ID at up to date with the changes.
Consumer complaint received 2023-05-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO. (IL)

I have legal rights under the 15 U.S. Code 1681. Inaccurate information was collected and placed on my credit reporting and its stopping me from gaining employment. I never received a call or letter from the company informing me that I owe and offering payment options.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (FL)

Indigo ( genesis card service ) is refusing to close my account after I paid it off and asked for it to be closed. They are playing games and lying to me and it is beyond frustrating. I keep receiving bills for {$0.00} and my account is still open. They are keeping my account open for their own purposes against my will. I have lost hours of my life trying to get them to close my account but they just continue to lie to me and tell me its been closed when it very clearly has not been. I WANT MY ACCOUNT CLOSED