davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion XXXX XXXX is in violation of the following : Authority : 12 U.S.C. 5512, 5514 ( b ), 5532 ; 15 U.S.C. 1692l ( d ), 1692o, 7004.

Source : 85 FR 76887, XXXX XXXX XXXX, unless otherwise noted. 

1006.18 False, deceptive, or misleading representations or means.

( b ) False, deceptive, or misleading representations.

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. 

Allowing XXXX XXXX XXXX to false report incorrect data on my consumer report.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (GA)

On XX/XX/XXXX a payment was made by ACH and applied to the Indigo Platinum Master card account for {$300.00}. On XX/XX/XXXX the funds cleared the ACH account and were no longer available. Indigo is a registered trademark of Genesis FS Card Services , Inc . When contacting the customer service line, the representative advised that the funds had been applied to the account but will not reflect for 3-14 business days. This means that the funds had be taken from my bank and are not in an interest barring account for 3-14 before they are applied to my account. This was not disclosed upon opening the account and I would not hav opened the account if I knew that they would keep funds for 3-14 days before applying them to the account. They are collecting interest off funds that are not applied to the customer account for weeks at a time. I believe the accounting procedures and interest accumulated from these practices should be investigated on all levels. They should also be required to share the amount of interest they are earning by holding these funds to all customers on a public platform.
Consumer complaint received 2024-10-30
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. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be up
dated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank double charged me for payments in XXXX and withdrew monies without my authorization XX/XX/XXXX ~ {$430.00}. I paid the total amount due of ~ {$430.00} on or around XX/XX/XXXX and TD credit card charged me again although the balance due on XX/XX/XXXX was XXXX and the amount required was already paid. TD stated they would reverse the error and never did. 

In addition TD does not report payments and credits in a timely fashion. Charges and debits are posted to my account over XXXX days after the transaction occurred. TD customer service was unwilling to resolve the issue and left my card to be charged by unauthorized users honoring payment even when I had reported my card stolen/lost. TD credit card company is a risk to the consumer with their latent and insecure credit card platforms and finance methodologies which are subpar and below average for a global bank with risks and diverse customers.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AL)

I have been experiencing suspicious activity from my XXXX bank. Ive made complaints and the organization was not taking my concerns seriously. I ordered cards and changed my security and suspicious activity continued. I did not feel like my funds were safe and decided to create a new checking account. 
On XX/XX/22 I chose to discover bank as I liked the perks and what they had to offer. I was disappointed at the time ; they were not offering a checking account due to some company update. I told myself, Ill wait and make savings account to secure my funds. I make a {$500.00} transfer from XXXX to Discover bank. I realized I transferred everything leaving me with {$0.00} to cover for daily expenses like gas. I transfer {$60.00} back from discover to XXXX but my card was locked and became suspended. Ive even paid 1 or 2 bills using my discover ACCT # and R # discover since I couldnt use the XXXX card. Yesterday XX/XX/22, I moved {$250.00} from XXXX to discover, and then discover sends an email that my account is suspended for suspicious activity and provided me with no explanation. I called them and I was informed that the bank made a decision to close the account. They did not provide an explanation. I filed a complaint with them. I do not understand whats suspicious about me slowly transferring all my funds to Discover. The worst part of it all is that they are withholding my {$500.00} for 60 days and I have a major concern with that. That does not sound legal to me, I need someone to help me resolve this or to at least reconsider opening or sending {$500.00} as soon as possible.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I purchased a vehicle, XXXX XXXX XXXX used at XXXX XXXX XXXX of XXXX, XXXX XXXX Unfortunately the products and services I purchased were not installed on the of purchase and as of today. These fraudulent fees the salesperson added to my finance total contract. Despite paying for add-ons, and services such as Advertising price {$14000.00} a service contract with a company XXXX warranty XXXX {$2100.00} and insurance product, gap insurance, {$890.00} Anti-theft deterrent device called XXXX, which the company presented me proof that this device was never installed or used on this vehicle. {$790.00} Fraudulent claim to have a surface protection product XXXX was never placed on the vehicle. {$590.00} Fraudulent claim to have put XXXX in the tires tested negative for XXXX in tires {$170.00} The dealer never provided or installed any of the products only changed fees. 
By recently learned that the car salesperson who assisted me with the purchase of my vehicle engaged in fraudulent behavior by adding products, services, and device fees to my contract amount of {$21000.00}, to which the dealership never installed. This dealership has violated several laws, including section 15.1605, section 15.1635, etc I am deeply concerned that I have been taken advantage of and do not wish to continue with this contract under these circumstances.
Consumer complaint received 2022-08-05
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: BARCLAYS BANK DELAWARE (TN)

My XXXX XXXX XXXX credit card was to become a Barclays XXXX XXXXXXXX credit card on XX/XX/2022. XXXX XXXX  requested that the balance be paid in full by XX/XX/XXXX. I paid a balance of {$2100.00} directly from XXXX XXXX  to XXXX XXXX  on XX/XX/XXXX. Subsequently, my balance from Barclays in early XXXX showed a glitch in the payment. They show that the bank made the payment and immediately rescinded it, which did not happen. As you will see in the attached documents, Barclays has been nonresponsive and, to date, has not resolved the problem. After 13 phone calls to them, along with one fax and two letters, Im convinced that they are unwilling or unable to resolve this problem. I sincerely hope that you can help me ; I dont know what else to do.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I contacted American Express customer service to be transferred to the account closure department. I spoke with an associate and indicated my intention to close the XXXX XXXX XXXX credit card due to COVID-related financial difficulties. The associate attempted to convince me to retain the card, but I informed him that I am no longer financially able to pay the exorbitant {$690.00} annual fee, which was heavily increased since I opened my account with American Express. 

Given my account statement history, I no longer used the card and activity has essentially been dormant for the past couple of months. The annual fee was assessed in XX/XX/2022, and as such I wanted to cancel the card timely. However, the American Express associate indicated that I will no longer be refunded the {$690.00} annual fee, and that the fee must be paid even when I informed him that I should be within the cancellation window. This feels like financial extortion and I am at a loss. 

All I am requesting for is to cancel the card as I have not actively used it for a long time, and with my financial difficulties I can not pay an additional {$690.00} for a product I am no longer able to use.
Consumer complaint received 2022-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

These were fraudulent charges that had been disputed and closed in XXXX by them and the credit bureaus for not providing proof. Portfolio recovery bought this from XXXX XXXX. It was removed from my credit years ago and without a 5 day reinsertion letter on XX/XX/XXXX they reinserted it. The amount has increased. The dates have changed also. They have the last payment date and the open and close date the same as the reporting date of XX/XX/XXXX for all 4. They call 5-7 times a day from XXXX XXXX- XXXX XXXX, they call from all different numbers after I tell them to stop calling on the first call. They threaten me that I'm conducting criminal activity and they are going to sue me and garnish my wages and assets. I have requested proof with them and they never send it.
Consumer complaint received 2022-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

RESUBMISSION OF COMPLAINT. 

I am requesting that this complaint not be closed. As I and you know AES will not take responsibility for their actions. Simply taking their word over mine is not a thorough investigation of their actions. I am requesting that they provide you with a promissory note in the amount of the original balance they allege I borrowed in the amount of XXXX. They doubled the original amount that is what they did. I am not disputing the true original amount which is around 30K but less than 40K. I am not disputing the default. I am disputing everything else as well as how they misappropriated my payments which was done in a way to keep the loan open. I am also disputing the lender on the account as I called the lender and they have no record of me. They keep records of their borrowers and because I am still overpaying the loan they should have record of me. The lender instructed me to get to the bottom of this with AES who keeps dodging questions and acting ignorant as to what I am asking. I believe I made myself clear to them. 

To AES XX/XX/2022 I want to make myself real clear as well as document my request which has yet to be received. I asked you to send me a promissory note of the alleged original balance that you claim I borrowed. So far, that has not been done. The promissory note provided to me is around 30K but less than 40K. Again, to be clear I said the loan was overpaid as you charged me twice. Again, to be clear I requested all overpaid funds including interest along with capitalization regarding the overpayment to be refunded. Again, to be clear I stated that the payments made to you were not properly distributed meaning you applied my payments to a consolidated loan in such a way that benefited the lender. You purposely kept the loan open making sure it was never going to be paid off. Again, to be clear I called the lender and they said they have no record of me. Even though AES services their loans they keep a record of all their borrowers. They checked their old system and their new system. At which time, they told me to contact you regarding the discrepancy which I have done. For the last time, provide me with the promissory note in which you allege my original balance was in the amount of XXXX. I am telling you now I know you can't because it doesn't exist. This was/is and still is being overpaid that simple. So, stop with the lies.
Consumer complaint received 2024-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

There's an item on my credit report that have resulted from fraud, I have reported this to the Federal Trade Commission but it is not removed from my report. 
Every transaction and charge associated with this account is entirely fraudulent. I did not authorize or benefit from any of them. These unauthorized charges were made without my consent and must be removed from my credit report to protect my financial reputation and prevent further misuse of my personal information.
Consumer complaint received 2022-06-19
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: WAKEFIELD & ASSOCIATES, INC. (TN)

( Wakefield ) balances : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. 
15 medical bills in total and I can only account for two times iv been to the hospital. Also they have the name spelled as XXXX XXXX and XXXX XXXX in over half of these medical bills not to mention there addresses listed that XXXX never lived at. To my knowledge hospitals or places of that sort are not supposed to report anything under the hepa law. These are all listed on my credit score and XXXX tried contacting these places to tell them it wasn't me and I get no help XXXX also tried filing disputes through experience with no resolve. 
( XXXX XXXXXXXX XXXX dates and balances : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
These are also medical balances with the same issue.. this isn't me and without being able to prove that how are you reporting it on my credit history not to mention they shouldn't even be reporting medical history to any agencies of this sort without some kinda permission from said person due to things like this
Consumer complaint received 2022-10-22
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: CL Holdings LLC (VA)

I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company ( Jefferson Capital System ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE (GA)

My account at Golden One credit union was overdrawn by about XXXX dollars including their fees. It took me time to pay it off but they promised to remove my delinquency from XXXX XXXX 30 days after the payment. They still have yet to remove my account from XXXX XXXX after payment and Ive been denied opening up a new bank account with XXXX XXXX XXXX because of their negligence in removing my account as promised.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (VA)

I have made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer report. 


Its been 6 months and still haven't received a response from the consumer reporting agency.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I have over XXXX hard inquires and XXXX soft on my report. Please remove this off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-14
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: Experian Information Solutions Inc. (WI)

Company put these inquiries on my credit without my consent. I have no business with these companies at all. 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