davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged
Consumer complaint received 2022-10-01
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. (NC)

This inquiries were unauthorized and my identity was compromised. I asked for validation from Equifax but it was validated with no information given. Here is the list of inquiries I would like removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (IN)

XX/XX/XXXX 36-month lease obtained with US Bank , Purchase price of {$56000.00}. Put down {$15000.00}. 
XX/XX/XXXX Vehicle totaled in accident that was not my fault. 
XX/XX/XXXX Called to obtain payoff amount to use in negations with insurance company for settlement purposes. 
XX/XX/XXXX Received letter ( confirming phone conversation on XX/XX/XXXX ) that my payoff was {$45000.00} ( reasonably believed based on my down payment ) XXXX - Accepted settlement with The XXXX, they requested payoff directly to issue check. 
XX/XX/XXXX - The XXXX received a fax stating payoff was {$53000.00}. 
XX/XX/XXXX - I'm still waiting on an answer after multiple attempts at contacting for an explanation. 

I have called multiple times and their " Loss Department '' and they refuse to speak to consumers. They will only speak to Insurance Companies. I can get no explanations on how they can possibly determine that {$53000.00} is what I still owe. I have put multiple negative reviews on XXXX and that got riled enough to send a " response '' letter but that still did not address the issue.
Consumer complaint received 2015-09-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

I purchased flooring from XXXX XXXX on a 'same as cash ' basis. Each month the statement had the minimum payment due and the balance. If figured under current minimum payment and balance the projected payments would fulfill the loan in a short time. Nothing was reported on the amount of time available before the same as cash status ended. This week I received a bill with the previous balance and the interest of {$2300.00} which was XXXX of the original loan. There was no bill for the total remainder prior to levying the back interest and no opportunity to pay the full amount OR be charged the XXXX interest. The {$2300.00} charge is simply added to your account with no options. I believe this is just the sort of unfair lending practices the consumer financial protection agency was created to protect against. Given the option I would have taken the money out of my remodeling fund for my house and paid off the loan. Instead I was charged over {$2000.00} just this month without any option to pay off the loan. Had they simply stated that the interest would be charged if the loan was not paid on a certain date I would have paid.
Consumer complaint received 2023-02-06
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: WELLS FARGO & COMPANY (MD)

The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021
Consumer complaint received 2022-10-01
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. (NC)

The attached account reporting on my credit profile is incomplete. Per the FCRA, only accurate and complete verifiable information can be reported. The attached account is in violation of the FCRA and must be deleted immediately. I have written to Equifax on XX/XX/22, XX/XX/22, and XX/XX/22 with no results.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (WA)

XXXX XXXX closed my XXXX American Express Card for no apparent reason. I use it mostly at grocery stores and XXXX. I pay it in full about every 2 weeks. I have never had a late payment. On XXXX XXXX, I finally reached the XXXX level of XXXX rewards that I was working toward ( because they double in value at this point ), and that is the date they shut the account down and removed all the reward points. They can give me no reason except my " history of account usage. '' I have gone over the account with a fine-toothed comb and can find nothing. I worked to earn those points and abided by their cardmember agreements. The points are worth {$400.00} ( XXXX statement of benefits : Receive a {$400.00} statement credit on eligible XXXX purchases by redeeming XXXX XXXX Points ). It feels like they simply did n't want to honor the rewards I earned. And they do n't even have to give me a reason? Surely there is something that can be done. A statement credit for the {$400.00}? This is n't right. Thank you for any help.
Consumer complaint received 2022-10-01
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. (TN)

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the Equifax data breach and May have gotten into the hands of the wrong person.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Bank is the ABSOLUTE WORST!!!!! I have had some cards through GE Money prior to Synchrony Bank buying them out. Each year, I would get a credit limit increase through GE Money without having to request for XXXX. Once Synchrony Bank stepped into the picture, my credit limits have decreased to where it looks as if I am using 100 % of my credit. I have a JCPenny card that had a credit limit of {$4600.00}. I had n't used my card in a XXXX of months and recently made a small purchase. Today, I received a letter in the mail from JCPenny stating that my credit limit was being lowered to the current balance on my card which is {$200.00}. I am beyond infuriated! This is taking a huge hit on my credit score! I do not understand why and how they are able to do this to people! Do they not realize that this is affecting consumer 's well being? I hope something is done about this company. This has got to stop!!!!
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2016 I purchased a laptop computer as a birthday present for my grandson from Amazon.com. There was a note on the page that 12 months interest free financing was available on the page with the laptop. I clicked the link and in very large type there was a promotion for 12 months interest free financing on an Amazon branded credit card. I applied for the card and made the purchase because of this offer. When my first bill arrived there was an interest charge and an annual percentage rate of 26.49 %. I called the bank and was referred back to Amazon. After speaking with numerous people at Amazon I was told that I did n't sign up for the offer of interest free financing at checkout. I never saw where this was necessary and they have refused to remove these outrageous finance charges. I feel that this is at best misrepresentation and at worst consumer fraud.
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXXfor 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, Equifax, and XXXX ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. XXXX  validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXXXXXX XXXX   XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX. In which, XXXX immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
Consumer complaint received 2023-02-24
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: Blitt and Gaines, P.C. (MO)

Blitt and Gaines , P.C . sent me a collection notice in the mail about a debt I allegedly owe and on the collection letter it clearly states that they are a debt collector please see attachments. I responded to the collection disputing the alleged debt with a cease and desist of all collection activities and removal of all accounts from my consumer files along with Affidavit of truth. I submitted this dispute via certified mail as well as via email. they responded via email telling me to contact XXXX XXXX but XXXX XXXX is not reporting on my consumer file they are, and XXXX XXXX did not send me a collection notice they did. blitt and gaines claim i owe a debt but i do not because i never signed a contract with them they are committing fraud and pretending to be someone they are not, and they have several violations on their collection notice they have not furnished me anything that i have asked for in my attached documents. there are so many consumer law violations.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (CA)

I asked Equifax to investigate some items on my credit report on XX/XX/XXXX. Trough usps tracking, my mail was received on XX/XX/XXXX. 
In the letter i was asking them to send me back the results of the investigation to my address. 
i attached to this letter a copy of my report, circled the items, my SSN, copy of my ID & a utility bill. 
Around XX/XX/XXXX, I received a letter asking for more documentations to identify myself ( even though they already had it in my first letter ) i sent back a second letter on XX/XX/XXXX with my paystub and my Social security card ( be mindful they already had my ID & an utility bill!! ) today XX/XX/XXXX they asked me again for the same documents!!! 

They clearly do not want to investigate and are engaging in delay tactics in flagrant violation with the FCRA!!! 

I will not send them back any more identifications since clearly they can not be trusted to manage informations. 
I not only want all those items to be removed from my account but i do think they need to be severely punished for their actions as they are known to do exactly that!!! 

Per the Fair Credit Reporting act those agencies have XXXX  days to investigate & send me the results of this investigation. If they don't, the items i asked them to verify must be removed. 

Also per the FCRA, i could be entitled to financial compensation. 
I started to ask about those items after verifying the informations myself and noticing discrepancies. Those might have or will cost me potentially thousands of dollars in interests over the time i pay back loans or credit card.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 Somebody used my debit card information and my address to order goods from XXXX. On that day I have received a text message from chase that there is a transaction from XXXX for {$5200.00} and they want to know is that transaction authorized or not. I responded to their text that it is not authorized! After some time I saw that there is a transaction showing on my transaction list for {$5200.00}. I called Chase bank reporting that it is a fraudulent transaction and also told them that I responded to their text message as well. They told me that they are sending a new card and started a dispute with XXXX. After some time they put a temporary credit and after some time they reversed it by saying that XXXX responded to them that information is match. I dont know what information is matching because till now I did receive anything from Chase proving that. I requested two times to send me all information provided by XXXX. Till now nothing! I didnt receive letter that they declined the claim! After that have called XXXX they noted that transaction is fraudulent and told me that the only way to refund money to restart the dispute with the Chase! I called Chase they refused to reopen the claim. In conclusion what I have is they both Chase and XXXX knowing that I was a victim of theft refusing to refund my stolen money! And basically supporting fraud!
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (AZ)

Original dispute case number XXXX Describe what happened so we can understand the issue ... 
I Have opened multiple credit disputes with XXXX # XXXX, XXXX and XXXX and others for the creditor XXXX Hospital for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently Optimum Outcomes. 
I am currently making payments thru XXXX Law Offices in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX Law Offices who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX Hospital, doctors, clinics or services rendered on the day I received service XXXX or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my XXXX Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on XXXX for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead Optimum Outcomes charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with XXXX after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX Law offices, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised XXXX of additional charges saying that balance XXXX reported on my report was wrong and the balance was then adjusted and XXXX allowed then to add more charges. Most recently, XXXX as of XXXX/XXXX/15 has allowed Optimum Outcomes to report the same {$5200.00} for XXXX Hospital, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who Optimum Outcomes was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX Hospital with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount. 


Consent to publish the description of what happened? Consent provided
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (WA)

Synochrony Bank issued a XXXX XXXX XXXX XXXX in my name In XXXX. I did n't receive the card until XXXX and was not able to activate the card either by phone nor on their website so I did n't use it. I received a letter from them the middle of XXXX where they stated they would send my card to collections if I did n't pay by the next due date which was XXXX XXXX. Again on the XXXX I tried to activate my card both by phone and by their website but kept getting caught in a phone circle saying they could not find my information and asked me to input the information again. There was no option to ask for customer service nor was there another phone number provided on their letter, their website, nor the card itself. Their online registration stated the information I provided was incorrect, it was n't. Finally after the XXXX or XXXX time trying online it gave me a message that my birth date was incorrect ... .they had incorrectly put it into their system. By the time I found this out, their offices were closed and I had to wait until Monday the XXXX to have them fix their error. Getting to their customer service department was a nightmare ... without any options provided I tried dialing XXXX to get an operator, that failed so I just ignored all of their numerous requests to state why I was calling and that FINALLY caused them to route me to customer service. Unfortunately, once there the service rep fixed my birthdate in their system but I was told I would have to deal with their collections department to make my payment as my account had been sent there. I paid the account in full and explained the situation to the person I spoke with, they stated they Would Not take the credit collection note off my credit report, even though the error they made caused me to have the account go to collections ... Their mistake, they should reverse their collection notice on my credit report ... .Very unhelpful people to deal with.
Consumer complaint received 2018-05-29
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. (TX)

OnXX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXXXXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on  numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.