davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (MO)

On XX/XX/2022, I went to XXXX XXXX in XXXX XXXX, MO. I had paid the credit card off in XXXX, so there were little to no charges on the card at the time, and we purchased a total of XXXX items ; litter box, dog shampoo, dog brush, cat litter, and refreshing animal spray, and nail trimmers. I was charged {$250.00} for the original price ; however, the rewards were added to the wrong account, so they refunded the purchase. We did the transaction again ; this time, rewards were not added to the purchase, so the cashier refunded my card again. Finally, the final purchase was {$220.00}, which would be correct. When I received a statement for the credit card, there was a total of {$820.00} which showed four charges of {$250.00} and one charge of {$220.00} within the same day around the same time. I called the credit card company immediately, and the first representative called me a liar and accused me of trying to steal items, the second time, we were told it was a store issue. I called the store and spoke with the store manager ; he explained that there was nothing he could do on his end because he had only seen the refund and one transaction. I called the credit card company again and was still told we would have to speak with the store. A week or so later, I called the credit card company again, and we started a dispute ; nothing has been done so far. We then called again today, on XX/XX/XXXX, and the first rep spoken to was rude which seems to be common with this company. Finally, the final rep was kind and told us to try this since we were not getting anywhere with the store or credit card company. What was a {$220.00} purchase that resulted in charges over {$800.00}? I am being charged interest on this and still required to make payments even though these purchases are incorrect. This company has hurt my credit, caused too much stress, and all around is not helpful.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MO)

XX/XX/2020 I called into Victoria Secret to add a authorize user on my credit card account. I was told I am not allowed to add a user due to my account being too new. I advised the rep I did not read that in the terms and conditions and I was able to add a authorize user two days ago and the rep rushed me off the phone due to the call being near closing time. I spoke to a Sr. Rep XXXX rep number is XXXX he stated by law their not allowed to add a authorize user to the account for the first 30 days. I asked where in the is that stated in the terms and conditions? XXXX stated its in a newer version not the version online. XXXX continued to give me the run around I then asked to be transferred to his manager. I  spoke with XXXX who stated their not allowed to give their full rep id out only the last four # XXXX, XXXX advised that is not in their terms and agreements its just a extra security measure their deciding to take on my account. I asked XXXX is this just my account he stated yes. I told XXXX that is showing prejudice against my account. I asked him if he could send me out that information or direct me to their website where it states you have to wait 30 days before you can add a authorize user. He stated no its not in writing its just a measure they are taking. However he told my daughter my credit line without asking me. I am not pleased with the way my account is being handled. I have NOT use this card and yet my account is being flagged and targeted. Once I was approved for my card I was offered for the same opportunities as their XXXX dollar customers I expect the same treatment. I will be filling complaints with each entity/agency!
Consumer complaint received 2020-06-21
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. (NJ)

I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation (MO)

I sent a certified XXXX letter to the business on XX/XX/2022, it was accepted at the place of business on XX/XX/2022. The company then in turn sent an email on XX/XX/2022 which violates the terms of the letter I sent on XX/XX/2022. The letter clearly defines a legal notice under the FDCPA that I refuse to pay the debt because it is not valid. The account information is being reported to credit reporting agencies and the letter clearly demands the business stop and remove any and all negative and false accusations against the consumer. This is a direct result of Identity Theft. The business has of XX/XX/2022 not followed the guidelines outlined in the letter sent.
Consumer complaint received 2022-08-04
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. (VA)

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 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXXXXXX XXXX finance is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my XXXX but its still reporting on my XXXX and Experian list of tracking number XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
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. (FL)

( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I inadvertently sent two payments for the full amount due to my credit card with XXXX XXXX. When I realized my mistake I called customer service and was first told that I had to call back after the payment had posted to my account I had called XX/XX/XXXX. On XX/XX/XXXX I called again and asked for a refund to be processed and I understood that that would take 3 to 6 business days. On the XXXX I called again and saw that there was no movement of my funds so I asked to speak up to a manager and was told that payments to customers are done by check and then it takes 10 days for them to process the check. This means I will not have my funds available to pay my XXXX bills until like XX/XX/XXXX. Is this the best and most efficient way for a bank to handle a refund of excess payment? If that is the case with the CFPB please have this procedure expedited by EFT such as the payments I make to the credit card company. Thank you
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXXBank of America has overdrawn my checking/savings for {$800000.00} Made call to bank was told to go to bank. Bank closest to my home is closed from pandemic. For health reasons I can not travel further away.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX I paid off the loan on my XXXX XXXX XXXX ( XXXX XXXX ). I have called Kia Finance Customer Service repeatedly asking them to release the lien so that I can sell the vehicle. For 2 months I have been told that all they can do is email the title department. I have asked to speak with the title department directly and was told that they don't speak with customers. I was told that the lien would be released on XX/XX/XXXX. As of today, the lien is still there. I can not get a title. I can not sell the car. They acknowledge that the loan is paid in full - yet there is no one who can get them to release the lien or send the title. It has been 2 months since the car was paid off.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 at XXXX I called into capital one to have another card reissued and sent to my address. The previous card never made it to me by mail. When speaking with the agent and explaining that my card expired at the end of XXXX ( XX/XX/2020 ), the card they had sent never made it to me. She put me on hold and said that she will need to look into the account. 10 minutes later she said she would have to transfer me to speak with a specialty agent regarding issuing another card because it was considered fraudulent activity due to the card not reaching me. I was transferred and the next lady who didnt know a thing and I had to reexplain myself again. She too had said I needed to be transferred. The third person informed me that my account had in fact been closed and thats why he wasnt able to issue me another card. I requested to speak with a manger. I was transferred again. Spoke with someone who had me on hold for more than an hour to try and reinstate my card. He got back on the phone again to tell me that he had to put in a request to another department so they could investigate this and that the turn around time takes 7-10 business days. He said there was nothing else he could do and took my number down and said they would be contacting me. I have been a loyal costumer for 10 years. There was no fraudulent activity on my card and I never said there was. My account was in good standing and I just paid it off and all I needed was another card to start making purchases again.
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I tried to ach funds to a debit card / transfer account. PNC denied my transfer and I find it unacceptable. These financial institutions rob us every day with thier forced fees. We should be able to use our funds as we see fit.
Consumer complaint received 2020-06-26
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. (GA)

Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on Transunion XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX  XXXX  ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )
Consumer complaint received 2020-06-26
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. (AL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, KS XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date XXXX # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (FL)

I received a notice from XXXX  on XX/XX/XXXX that I had a new collection account. The account is shown as Southwest Credit Systems ( SWCS ) XXXX XXXX XXXX # XXXX, XXXX, TX XXXX - XXXX. The collection company is collecting a debt from XXXX cable company. The original debt with XXXX was first shown as delinquent XXXX XXXX and the account was closed on XX/XX/XXXX by XXXX. 
The collection account is showing on XXXX as a Date Opened XX/XX/XXXX with no information of a first delinquency date or any other information that shows this account is a collection account from XX/XX/XXXX. The only indication that this might be an older account is that the On Record until date shows XXXX XXXX. 

I called SWCS and the collection company verified the dates of first delinquency as XX/XX/XXXX and the closed/charge off date of XX/XX/XXXX. I asked them to update the open date the the correct date and or report the date of first delinquency date as XX/XX/XXXX so the account doesn't show as a new delinquent account. The representative stated they would not. SWCS representative stated that open date is the date they first started to collect the account and they do not have to report any other information on the original delinquency. This company is re-aging the collection account to make it appear this is a new collection account. 

I disputed the account with XXXX  and told the representative that SWCS is showing an open date as brand new collection, not reporting information showing this is a 5 year old collection account. The XXXX   dispute came back as verified and no information was changed. This is illegal credit re-aging. 

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2020-06-26
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. (NY)

I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.