davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (NY)

I ordered the merchandise on XX/XX/2021 with XXXX XXXX  run by Comenity Bank for clothes totaling for the amount of {$260.00}. The merchant promised to deliver the merchandise to my address, but the merchandise was never delivered to my address to date. When you click on the tracking number linked with this order it seems the date given for merchandise was on XX/XX/2021, which does not coincide with the date I ordered my clothes which was XX/XX/2021 ( a month after the XX/XX/2021, date above ). The link is a XXXX  link for tracking number, so I called XXXX and explained the situation and gave the tracking number to XXXX. XXXX  informed me the tracking number is not listed under my name nor my address. None of the information linked to XXXX  is related to me so it is impossible for the delivery to be me nor the clothes I ordered. I received a bill from XXXX XXXX  last week and included a charge on the bill for those clothes I never got. They charged me clothes I never got. I been trying to straighten this out with them for a couple of weeks and have gotten the run around. I have been put on hold for an hour the hung up on, switched from one person to another, given invalid phone numbers to call charged for items I never received on my recent bill, and it seems they do not have a Billing Dispute Department since they refuse to give me information on that. I requested they that the error be corrected, that any finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. I was not given an initial delivery date nor was I never notified of a delay in my delivery. I found the later by going to the website and saw there. I was never given the opportunity to cancel my order or give a refund. All I have gotten is the run around with no help to resolve the problem.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
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. (MO)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-23
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. (CA)

EXPERIAN, XXXX  AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX  XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME PYSICALLY AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR LONG ILLNESS GOING INTO THE TIME FRAME OF THE COVID19 PANDEMIC. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXXplease mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.
Consumer complaint received 2021-02-11
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. (CA)

Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF 451 834 866 US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrowerXXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX Account # XXXX
Consumer complaint received 2021-06-23
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. (MD)

I filed a ftc report on XX/XX/XXXX but there is still one account that XXXX  have not removed which is XXXX/XXXX. There are also a few inquires that I do not recongize on my report from XXXX  XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-23
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. (MA)

XXXX XXXX XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Experian regarding this fraudulent address and want it removed. 
I checked my credit report via the XXXX  site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I spoke with a representative at Experian on XX/XX/2021 and was assured my name would be corrected to be XXXX XXXX but it is still showing as XXXX XXXX which is incorrect. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Experian needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX
Consumer complaint received 2021-06-23
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)

To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, USDOE/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and the inquries is 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. Can someone help me Im doing this by myself.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I pay my account in full each month..always have. During XXXX XXXX TX area had power outages, no post office delivery for over a week and bursting pipes at our post office. I did not receive one of the statements, did not realize it until I got the next statement in and found a large fee and interest charge. Attaching the letter I wrote to Commenity ... explains what happened. Their response was a typical form letter that did not explain the interest charges specific to my situation, etc. Last month I paid in full, including the interest charge which I did not agree with,. Just got this months bill ... another interest charge ... this one in addition to the one in the prior month. This is completely wrong. I pay on time ... get the statement in the mail, check goes out the next day. I can not make any headway with these people ... I have been on the phone way too many times and no one is able to rectify this situation. Am attaching the prior statements so you can see what they have charged.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

This is Fraudulent account and I never open it, My information was stolen and opened credit card. 

Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/year> Status Paid, Closed/Never late. 
Status updated XX/XX/year>XXXX XXXX
Consumer complaint received 2021-04-21
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. (NC)

I have submitted multiple complaints/disputes to XXXX, equifax and XXXX in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have had my Truist business account XXXX since XXXX, XXXX. 
on the XXXX of XXXX, XXXX i made an ACH payment of {$19000.00} from my XXXX business account into my Truist. A couple of days later when i tried to make a withdrawal, i realized my account was restricted. 
I went into a bank branch to complain and this lady told me my account was being reviewed because it was the first time i received a large deposit. She told me i could access my account in 2 days. 
Unsuspecting to me that it was the plan all long not to allow me access my funds, i asked my other vendors to send payments into my Truist checking account XXXX. 
On the XXXX of XXXX, XXXX  i received two wire transfers in the amount of {$40000.00} and {$4500.00} respectively.

Then i received a wire transfer of {$66000.00} on the XXXX of XXXX, XXXX. 
At this time, i still didn't know my account was already fully restricted from any withdrawals until i tried to make a payment with my card and realized i couldn't. 
Ever since then, i have been going back and forth to the bank with no positive response. 
Eventually, a few days back, a representative at the bank told me my account was restricted for 60 days and i won't have access to my funds until it elapses. 
However, she never specified when the 60 days started counting and what day i would be getting access to it. 
To my greatest surprise, Truist bank debited my account in the amount of {$79.00} for SERVICE CHARGES- PRIOR PERIOD. 
This bank won't let me access funds in my account and neither will it specify when I'll get access to my funds but was able to debit my account a services not rendered. 
I currently have {$130000.00} left in my account with truist bank and my company name is XXXX XXXX XXXX
Consumer complaint received 2024-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

Company keeps sending letters as if I owe them money when this account has been charged off by XXXX XXXX the original creditor. They have failed to show a wet signature of mine and how they obtained my personal information. i did not authorize XXXX XXXX to sell my information to any one. This is now against the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NJ)

On XX/XX/21 received a letter requesting payment of {$230.00} and using my tax refund to pay such. 
I left a voice mail on XX/XX/21 and received a call back on XX/XX/21. I informed the gentleman that the amount claimed was wrong that I had tried at no avail to resolve the matter with the utility company. He asked what was the correct amount and I told him 1/3 or {$79.00}. 

Very clearly, despite that I cancelled my service with the utility company 10 days withing the billing period they inisted on being paid fort he full amount and I disagree to pay for services not rendered. ( I have written at least 5 letter to the utility company with no reasoble explanation as to why I have to pay more that what is due. 

The person from Sunrise Credit Service was very rude and dint beven made an attempt to ask why the amount billed was wrong. Nor did I receive any other follow-up as promised to explain why was the amount correct. 

Today I received notification from monitoring agencies that a change had occurred in my credit report/FICO Score. Upon checking I noticed that Sunrise Credit Services has reported the amount of {$230.00} as past due Industry Type Collection Agency. 
Not only my FICO score wend down from XXXX to now XXXX. 

I am very surprised that despite the fact that I informed the company that I disagreed with the amount claimed the proceeded to report the amount to the credit bureau and not attempt was made to discuss with me my reasons for such claim. 

Despite, the efforts of the CFPB, I think these companies continue to engage in Unfair, Deceptive Acts and Practices. I have been more that fair in wanting to pay but, only what is owed and I am still willing to pay but, this agency has to correct the credit report and then send a bill for the revised amount of {$79.00}.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (MI)

Transactions are re-sequenced and come out of a my account a week later than they occur. For example, I purchased XXXX tickets on XXXX, XX/XX/2021 in the amount of {$97.00} and the amount wasnt withdrawn yet as of XXXX, XX/XX/2021. 

Almost all of my transactions are this way, and barely anything posts on the actual day the transaction was made. My previous bank closed but they didnt do this.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Bank Account # XXXX CREDIT LIMIT XXXX, XXXX NOT ACCOUNT NUMBER CREDIT LIMIT XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.