davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

I bought some jewelry a couple of years ago at XXXX XXXX. I was told that it was 0 % interest for a certain period of time ( XXXX XXXX XXXX XXXX ), Nothing was mentioned that if it was not paid in full that I would have to pay cumulative interest. I didnt even know cards like that existed. I just figured I would pay interest on the remaining balance if it was late. In XX/XX/2021 a few days before the promotion was over I reached out to them to get my account number. I wanted to transfer the remaining balance ( approx {$900.00} ) to a 0 % interest credit card. I needed my account number to do the transfer. They did not provide it to me. I also called and they dont provide account numbers over the phone. The also said it would be mailed to my home in my monthly bill. That doesnt help me because my statements are paperless. I could not find the account number online. I feel like they withhold the number to prevent people from transferring their balance. The other night saw a huge increase ( approx {$3000.00} ) in my statement. This is when I learned the interest charged was cumulative. That night I took money out of my savings and paid the remaining XXXX plus balance. I didnt pay the {$3000.00} interest. I was hoping they would be reasonable and see I paid off the interest free balance. I cant believe credit cards like this are legal.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was on vacation in California, in late XXXX this year. My wife needed a new swimsuit, so we went to Kohls. We had left our Kohls card in my wife 's purse at my Parents ' house, so I had the cashier look me up using my social security number and state ID. 
I was surprised to see someone else 's name and address pop up on the screen. 
It turned out that our account was under my wife 's name, and my social security number was being used by someone else. 

I immediately called Kohls on XX/XX/XXXX to file a dispute. I was told that a dispute was in place, and a letter would be sent to my address. 

As of XX/XX/XXXX that letter had not arrived, so I called Kohl 's back. It turned out that no dispute or fraud claim had been filed because my birthdate and the birthdate on the account were different, but the representative assured me that they were placing a fraud alert on the account, and even gave me a confirmation number. 
In the meantime, I set up an account with the FTC and started an identity theft recovery plan. I also put a freeze on all the credit bureaus ' reports. 

XX/XX/XXXX I received a letter from Kohl 's addressing a dispute of charges to that account. The letter had my correct address, but it still had the other person 's name in the address line.

Again I called Kohls. It turned out that there had not been a fraud alert placed on the account again. The representative assured me that the account would be " taken care of. '' When I asked if it had been closed, the call disconnected. 
Meanwhile, my wife had also received a letter that someone had tried to use her social security number to apply for a Kohls credit card. We called and cancelled her account. 
As I was searching the web to see if other consumers had similar issues, I noticed that the FTC had sued Kohls in XXXX for not providing information to their customers who were involved in identity theft, and now they are required to do so in a " timely manner. '' It turns out that Kohls seems to have a data breach problem with very little incentive to do better. It's not worth the 30 % off.
Consumer complaint received 2022-01-25
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. (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX on XX/XX/2021, and XXXX XX/XX/2021. 
2. XXXXXXXX  XXXX XX/XX/2021. 
3. XXXX on XXXX the XXXX XXXX.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2019 at approximately XXXX I called Navy Federal Credit Union to place a security word for all my accounts at NFCU , also had a note added to accounts that stated " No deposits are to be made unless account member is physically present and ID is used to verify, also a phone call to verify. 
On XX/XX/2019 a deposit was made into a mortgage account that is solely in my name, I was not present nor no verification was attempted by NFCU as I had previous requested. 
On XX/XX/2019 at approximately XXXX I called NFCU and talked to a represenitive from accounts ( did not get name nor employee ID number ) I explained what had happened and why my request was not being honored by NFCU , employee could not answer my inquiry and transferred my call to collections dept. I then spoke to a XXXX employee number XXXX and again explained what had happen and why my request was not being honored. XXXX stated that " NFCU does not refuse any deposits into accounts ''. I then asked her " even if the person who is making the deposit name is not on the account? ", she stated " yes ''. 
I asked her to check with the security dept. to see if anything could be done or what are the rules that apparently allow this to happen. XXXX put me on a brief hold and then returned and stated " NFCU does not refuse any deposits into accounts ''. I said thank you and hung up. 
This is my complaint, it is very freighting practice that anyone with an account number has this kind of access no matter what the reasoning is and is able to deposit without member being aware of what activity is happening to their accounts. I had placed this security measure ( for my own reason ) on my accounts and my request was not honored, this needs to be resolved and if can't, this complaint needs to move forward. thank you for your time.
Consumer complaint received 2020-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service Center, Inc. (PA)

I saw a collection account appear on my report for all 3 bureaus, furnished by XXXX XXXX XXXX, and I have NOT received any debt validation letter, nor have I received ANY notice detailing my rights to a dispute for this debt. This appeared on my reports randomly without ANY notice.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I made numerous attempts to view my credit report or credit online using my email. Im being denied or wont allowed to see my credit report. Ive contacted them and they said I have another account which is not true. I screenshot the message as well. This only happened since I contacted CFPB
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (MD)

My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.
Consumer complaint received 2021-09-21
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. (MD)

My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through true accord. True accord is a third-party collection agency that represented Affirm. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.
Consumer complaint received 2022-07-25
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. (NJ)

To Whom It May Concern, There are 2 addresses that are currently listed as mine on the XXXXbureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my Experian report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXXXX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.
Consumer complaint received 2021-09-21
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: TD BANK US HOLDING COMPANY (NE)

Hello, I made a purchase on Target.com on XX/XX/2021 online and immediately called in to Target to cancel the order. I was told by Target that they were cancelling the order and the item would not be shipped and I would not be billed. The item was never shipped, as requested, but I still got billed for the item. The order information is as follows : Transaction Date : XX/XX/2021 Merchant : TARGET PLUS City/St : XXXX, Category : Household Transaction Type : Regular Sales Draft Original Amount : {$510.00} Merchant Description : Discount Stores Merchant ID : XXXX I've called several times about this and have gotten the run around over and over again, and have been told every time that I would be receiving a refund, plus any interest would be credited back to my account. I have called and contacted Target at least 7 times since XXXX and I still have not received my refund. I called on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 about this issue and still have not received a resolution to this matter. Every time I call Target tells me they will help me, but then transfers me to another department stating that the other department is required to be the ones to help me with the charge and the interest. This goes on through several departments and then finally someone says they will get this resolved and I will be refunded within 3-5 business days. This has been going on for a few months now, so it's past 3-5 business days. I just want my money back and to not be paying for interest on something I never completed a purchase on or ever received as it was never shipped.
Consumer complaint received 2021-09-03
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)

I have contacted several times the Credit Bureaus Experian, XXXX, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, Experian {$1000.00}, XXXX  {$1000.00}, XXXX {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my Experian report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously Experian has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also Experian, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX, Experian, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting act 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 2021-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.
Consumer complaint received 2021-09-21
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. (IL)

Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting act 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 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO. (TX)

I bought a truck XXXX XXXX ( {$52000.00} ) on XX/XX/2021 from XXXX XXXX XXXX and got a loan about {$36000.00}. While I signed the purchase agreement and sales contract with XXXX XXXX, the dealership crossed the lender and changed it by Chase Auto Finance on its own copy. The sales contract was altered just after I signed it without my approval. Chase Auto Finance should have rejected the sales contract that has been altered.

Mr. XXXX ( General Manager XXXX XXXX XXXX and XXXX ) did not provide any justification on how his team practices business. In the other hand, Mr. XXXX called me on XX/XX/2021 and informed me that it was a common practice to make money on the back of the customers by selling the loan to a higher rate than proposed by the lender and then getting the difference. There are common practices, but that doesn't mean good practices. In my case, while processing my loan application, the XXXX financial advisor only qualified me for one lender/one rate and tried to convince me I will get a better interest rate if I buy their Mechanical Protection Plan, but by not buying any of their products the financial advisor went with the unfavorable terms ( 3.39 % /75 months instead of 2.62 % /84 months ) and secured the loan from XXXX  XXXX. By not knowing that I had the choice of lenders and rates, it seems obvious to say that I was limited in my choice, my ability to make a good decision and then my judgement was biased. There is a sales contract and a purchase agreement where XXXX XXXX was assigned and we agreed on that. Mr. XXXX is mistaken when he said I had a fair treatment while XXXX took advantage of the situation by knowing about a better lender, never disclosed that information to me and altered the contract for their own benefit. There is a big difference between assigning the lender ( what happened in my case with XXXX XXXX ) and re-assigning the lender by altering the sales contract. In numerous cases, the FTC has charged dealers for Deceptive, Unfair Sales and Financing Practices.
Consumer complaint received 2021-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (LA)

New York and company is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.
Consumer complaint received 2022-06-11
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. (AZ)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XX/XX/XXXX 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 written instructions.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MO)

Sw Credit Systems Inc is currently trying to collect a debt that I do not owe for XXXX XXXX. I do not have a current or previous contract with neither Sw Credit Systems, or XXXX XXXX. There is no information on this account. There is no verification of this debt.