davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now XXXX Card again posted all the charges back to my account for transactions listed below. 
XXXX resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The XXXX resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX XXXX XXXX XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX  XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX XXXX XXXX  XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX XXXX   XXXX XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX Card. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to XXXX  since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (HI)

Experian reported late payment on one of my accounts. After dispute, they corrected the issue. Now they overlaid corrected information with incorrect information again. Experian needs to stop fraudulent practices to make money.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Well my wife started a new job with usaa banking in XXXX well she find out that they offer a lot of different services because we are in the processing of fixing our credit. She opened up an banking account with usaa banking and decided that I do the same. As we call them together I was unable to open up and banking account because a banking account was already opened up in my name. Back in XXXX when I was incarcerated at the time. I let them know that I was unaware of that account and that I never even heard of usaa banking until my wife started working there in XXXX when she was trying to get me to open up a saving account with them. They rushed me to the fraud department as I was asked so many questions. I believe i made that phone call in XXXX I wont to say the XXXX. I was told to call back but every time I called back Im being hung up on or transfer to someone that cant help me. I was told to call back to check up on the status of the investigation. But no luck I called back about the XXXX right after XXXX to only be told that someone will be in contact with me. Well I was able to access the account because they had added my phone number to the account instead of closing the account and I was able to reset the pin to get into the account. The information I got out the account was the person stayed in XXXX Pa address XXXX XXXX XXXX XXXX PA XXXX they even created a email For me XXXX they telephone number XXXX and they had one number in my ssN that was missing and Im lost to how they were even allowed to opened up an account without a full ssN. Previous before all this had happened I had some misspelled names on my credit that I had taken off. After I reported to usaa that this was not me. It all of a sudden pop up on my credit. I also have another bank account that was opened in my name at XXXX XXXXXXXX XXXX and its now on my credit before it wasnt. Also outrages medical bills that I dont recognize because I always had insurance with my job or through my wife job. I need to know how I go about this and how do I bring charges forth because I do wont to press charges for identity theft
Consumer complaint received 2021-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have explained that these inquries are a result of identity theft and should be deleted from my credit report. I have attached the requested documents to have this information removed.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

To whom it may concern hi XXXX XXXX XXXX XXXX the consumer natural person am informing you that I am aware that Experian has continued to violate my consumer rights. I have listed several violations within the documents sent, even after I have informed them not to continue in these violations and to remove these fraudulent and inaccurate information. They still continue to proceed in furnishing it to my knowledge in law Ive been violated up under multiple rules 15 USC 1692 ( a ) ( 3 ) ( 4 ) and ( b ) 15 USC 1681 ( b ). I have been injured numerous of times from Experian These injuries include but are not limited to Being denied extension of credit my reputation has been Bruised Loss of employment XXXX and mental anguish
Consumer complaint received 2019-11-06
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. (VA)

I have contacted XXXX, XXXX, and Experian several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : 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 XXXXXXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (GA)

Comenity Credit card/ Victoria Secrets credit card They are advertising open a Victoria secrets card and they will give you {$25.00} off your first purchase if you open an use it online. I opened the card XX/XX/2019 they have not fulfilled the offer at all. It states you must have a valid email address an the code will be emailed to you. I have not received the promotion at all, I have called Comenity directly only to be switch to different csr an it ended with call back, I have emailed three times only to receive a form letter response. I have screen shot my approval, the screen shot of the promotion if you will apply an are approved showing the limited time offer. Still nothing, this to me was pretty straight forward bait an switch.
Consumer complaint received 2022-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (GA)

I am a consumer of the XXXX XXXX XXXX XXXX XXXX. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.
Consumer complaint received 2022-07-28
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. (GA)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
Consumer complaint received 2022-07-31
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)

XXXX and Equifax do not allow for convenient uploading of documents to dispute errors. On multiple occasions, I've tried to upload documentation to their dispute portal to prove that there is an error on my credit report, but the system never works. The documentation can't be uploaded and, you get an error message. The error message recommends and option to file without documentation, which you can't actually provide. Then 30 days later, and as a result of not being able to upload the documentation, they side with the company showing the incorrect information. How am I to prove that the information is in correct, if I can't attach/include the documentation that would show the incorrect amount? 

The onwnus is on the customer to prove the company is incorrect. But the customer can't prove it easily and the company is not going to be truthful. Ever. You are wasing the customers time and extending the impact the incorrect information has on a persons credit report and rating.
Consumer complaint received 2019-11-06
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. (OH)

There was an amount of XXXX from XXXX XXXX that was previously reported as delinquent. I straightened the matter out with XXXX XXXX. It was corrected with XXXX, but Equifax erroneously reports late payments on this XXXX XXXX account # XXXX. These payments were accurately reported as on time to XXXX   and now Equifax needs to be corrected. This has resulted in a very low credit score with Equifax ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called Equifax, the were unable to help me.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Recovery Service Incorporated (OH)

Pursuant to 15 US Code 1692, I was being harassed by XXXX XXXX XXXX with abusive, deceptive, and unfair debt collection practices. Most of which included an invasion of my privacy.
Consumer complaint received 2021-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hi, back on XXXX I found out that I had identity theft on me. My bank notified me thatI had a judgement/lien on my home from Capital One Bank. 

From there I took the information I received from my bank and found out that Capital One Bank had the found person. So from there I did my due diligence. I first reported it to the police then call Capital One Bank regarding my concerns. 
When I first called I was told that my didnt have any information on me at all. After calling back three different times I finally got someone who told me that this issue was from a IRA account that was open and used for a while then was over drawn by XXXX with a balance of {$7.00} in savings account Well after findings this out I told them they had the wrong person. I explain to them how could this be me and you company dont have any information on me at all. I been trying to get this issue rectified since XXXX XXXXXXXX in XXXX XXXX I send information providing my have the wrong person. Every time I call I get they are working on it. On XX/XX/ I now get they never received my information and I had to send it again, which I did on XXXX.So Id date I still have not heard from Capital One Bank.
Consumer complaint received 2022-07-30
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 2022-07-28
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: Professional Finance Company, Inc. (AL)

Back in 2016 my identity was stolen and I have done several reports And complaints to the companies that are fraudulently reporting on my credit. Please have these items removed from my credit, it has been hindering me from being able to start a new job and buy a home. I have also filed a report with the FTC identity theft website Due to the fact that these bills does not belong to me. Please remove the following fraudulent accounts : Professional Finance CO {$270.00} XXXX XXXX  {$1700.00}
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On XX/XX/22 I took a call at XXXX XXXX I spoke with a XXXX ( cant remember last name ) they asked if i was my name and I said I was my name and then they asked if my address was my address. They gave out my personal info without verifying who I was. FDCPA states that you can use different verifiers to know whom you are speaking to. Address is one of them. But not giving out info that they hold.I do not appreciate that they are giving out this info and I feel it needs to be looked into. Cause if they got ahold of someone I knew that I did not want having that info there would be a lot of issues.
Consumer complaint received 2022-01-05
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)

Fact, I the affiant is aware and have proof that Experian has and continue to violate my consumer privacy rights. I the affiant observed XXXX violations on my consumer report. Experian is and continues to be in violation of 15 U.S. Code 1681 ( A ) ( XXXX ), 15 U.S.Code 1681 ( A ) ( XXXX ), 15 USC 1692 ( D ) ( XXXX ) ( XXXX ) 15 USC 1681 ( A ). Even after being informed numerous of times that the information was incorrect and should not be on there. I have been injured numerous of times from Experians gross and negligent and willful behavior. These inquiries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and mental anguish.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I opened an account with the Bank of America on XX/XX/20 during COVID-19. After losing my job due to the pandemic, I immediately changed my unemployment payment to be deposited into this account. On XX/XX/20 I logged into my mobile banking account and noticed a hold, immediately I went to the branch, were I was advised they would not close the account as I was able to provide proof of identity. The following day on XX/XX/20 I was advised that my account would have to be closed because the branch agent " did not do her job '', and in order to receive the funds, myself and my spouse would need to go to a branch so a cashiers check could be issued for the amount, and nothing would be done to close the account until that day. On XX/XX/20 we entered a branch only to be advised that the account had been scheduled to be closed on XX/XX/20 and a check would be issued and they would not be able to assist us at the branch. We were then advised to allow 10 business days from the XXXX for the check to be received by mail. After not receiving the check during the advised time ; On XX/XX/20 I called again and spoke with several customer service agents before being directed to the risk closure department for assistance. That same day I spoke with a gentlemen who advised me to give it an additional 2 days to receive the check because if they cancelled the check I would then have to begin the process from the start and it could take longer. He advised if I don't receive it in the following two days I can call back and give my new address and they would reissue a check that same day ( had to move back home because once again we are in a pandemic and I am unemployed ). Today XX/XX/20 I call back and am told they are unable to reissue a check. I have to allow them 90 days ( until XXXX ) to give me money I desperately need because again, we are in a pandemic that caused me to lose my job. Everyone is unwilling to help or come up with a reasonable solution. I have been waiting for these funds for nearly a month now.
Consumer complaint received 2022-07-28
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2021-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Bought a lifetime software trading platform from XXXX XXXX using my Capital One credit card for {$1400.00}. The software was deemed to be defective for it placed a trade that the software was not suppose to place which lost me {$2400.00}. 

I returned the software ( license key ) to XXXX XXXX with receipt of delivery ( USPS ) given to Capital One with a dispute form. 

Capital One has yet to credit my account in the amount of {$1400.00}.