davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

i have discovered that Barclay has been applying finance charges to our account after the balance subject to finance charges has been in full each month. ( XXXX, XXXX and XXXX ). I also discovered that the interest rate was increased by 0.25 % in XXXX without notification. 
I send an email to the website and ask for an explanation why finance charges were applied to the account where the balance subject to finance charges has been paid in full before the due date. I received. A response next day that the finance charges accessed is correct. I called and spoke with XXXX at XXXX today, XX/XX/XXXX, and again ask about the finance but she can not explain why after i walk her through with the statement and payments. She told me that ID # XXXX has reviewed the account and i will be receiving a letter in the mail. 

XXXX- the balance subject to finance charges was $ XXXXdue on XX/XX/XXXX, multiple payment was made before the due date to cover the balance but finance charges of {$9.00} was applied to the account. 
XXXX- the balance subject to finance charges was $ XXXXand {$16.00} finance charges was applied. 
XXXX- the balance subject to finance charges was {$810.00} and {$16.00} finance charges was applied. 
I have attached the statements for XXXX, XXXX and XXXX to show the accuracy of my complaint along with the payments posted in the account. 

Barclay is applying the finance charges incorrectly.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}
Consumer complaint received 2022-12-15
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

XXXX I paid {$15.00} due on account XXXX in cash at XXXX  store # XXXX in XXXX XXXX Michigan. The associate did an account look up with my social security and ended up applying the payment to an inactive Ann Taylor account ending in XXXX. No one at the store helped resolved this, and Comenity has not resolved the issue since submitting it on XX/XX/22, In the meantime, I'm worried for my credit score, and when calling their customer service number, no one will help me. My balance due is now over {$100.00}. If you can expedite the resolution it would be appreciatied.
Consumer complaint received 2021-08-10
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. (GA)

I contacted the credit reporting bureaus, '' XXXX, Equifax, and XXXX '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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-i ) 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. 
Please remove the following items from my credit report, immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-29
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and 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 2020-07-07
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$940.00}
Consumer complaint received 2022-11-30
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: FIRST NATIONAL BANK OF OMAHA (GA)

I got an alert for a missed payment from XXXX XXXX  regarding FNB OHAMA account. However I have no knowledge of this account. I called FNB OHAMA credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bull City Financial Solutions, Inc (OH)

ACCOUNT NAME : BULL CITY FINANCIAL SOLUTIONS ACCOUNT NUMBERXXXX ACCOUNT TYPE : COLLECTION DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
Consumer complaint received 2021-04-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am XXXX already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
Consumer complaint received 2023-06-14
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. (IN)

I hope this letter finds you in good health. I am writing to bring to your attention certain discrepancies that I have discovered in my credit file and to request their immediate removal. After carefully reviewing my credit report, I noticed that some personal information belonging to another individual has been mistakenly included in my credit file. As a responsible consumer, it is crucial to me that my credit file accurately reflects my information at all times. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I kindly request that you expeditiously eliminate the following inaccuracies from my credit file within the next 30 days. It is my understanding that the FCRA requires consumer reporting agencies to address such requests within this timeframe : References to XXXX XXXX XXXX XXXX References XXXX XXXX XXXX XXXX to XXXX XXXX References to XXXX XXXX References to XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Today I received a letter notification from Midland Credit Management. They sent me a letter threatening to sue me if I did not pay a debt for {$1100.00}. The initial debt was owed to XXXX XXXX XXXX for a credit card. However, the original amount has already been reduced with XXXX XXXX. Therefore, this letter is completely uncalled for and under the nature of the debt, blatant harassment by trying to intimate me during a time when the pandemic has put everyone in a difficult financial predicament.
Consumer complaint received 2021-04-22
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. (TX)

I submitted a dispute to EXPERIAN on XX/XX/2020 and it has never been resolved or completed. They do not allow you to view details of the dispute or contact information to inquire regarding the status and amount of time it is taking to complete. At this point, it is well beyond an acceptable amount of time to complete the investigation into my dispute.
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

On around XX/XX/2020 I applied for a 1st mortgage refinancing and after satisfying all requested information I was told via e mail that the company I was working with XXXX has been acquired by XXXX however my initial rate of XXXX will be honored by the new company and they will start the process with the new company name. I went along and resubmitted most of the documents twice, sometime three times. They requested additional verification to lower my principal balance and I agreed. Now they are asking me to take additional insurance to cover my personal items although my home insurance covers the constructed building including all amenities. Im a medical doctor with a very good credit and all I want to take advantage of the low rate to lower my payment. Now after nearly 4 months I will not be able to secure the 3 % rate with no points/cost.
Consumer complaint received 2023-02-02
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

Company mailed card to incorrect address after card was finally received have never been able to use the card due to fraud charges and company keep sending me a new card but has yet to remove the fraud charges also keep charging myself program and late fees for something I have never used
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2021 there was a fraudulent charge on my XXXX credit card for the amount of {$4900.00}. The following day XX/XX/2021 there was a second fraudulent charge on my 5/3 Bank credit card in the amount of {$4800.00} from the same company XXXX XXXX XXXX Indiana. This is how I discovered the fraud. I received an email from 5/3 Bank stating that my credit card has been activated when I did not activate a credit card or order a replacement. I checked both credit card accounts after receiving the email and noticed the fraudulent charges. I stated to the customer service representative at 5/3 Bank that I did not activate a card or order a replacement and that I had a fraudulent charge on my account. I informed XXXX as well stating that there was a fraudulent charge on my account. XXXX and 5/3 Bank removed the unauthorized/fraudulent charges from my account. One month later 5/3 Bank informed me that I am responsible for the fraudulent charges because it was a chip card and it was used to make the purchase and proceeded to put the full balance of {$4800.00} back into my account. XXXX resolved the issue and called me to inform me of a similar situation, the customer service representative stated that it was in fact a chip card that was used to make the purchase, I informed them that 5/3 Bank stated the same thing to me and then the XXXX customer service representative stated that a phone number from Virginia called in to activate my card and I informed them I had no knowledge of that number. I am still battling with 5/3 Bank to have this resolved, I have submitted a police report to them, my XXXX bank statement showing that the fraudulent charges were reversed, I also submitted the e-mail I received stating my card was activated. I was working in the state of Illinois at the time of the fraudulent charge and I provided a pay stub and detailed payroll information of my whereabouts on the XXXX of XXXX. After speaking with a 5/3 Bank fraudulent department manager I was informed that there were in fact ( 3 ) cards with the same number in circulation, in which I only had one on me. The past six or seven months before the fraudulent charge was made on my account the only thing that credit card was used for was a reoccurring charge for XXXX. The Fraud manager at 5/3 bank informed me that the card was activated and then used for the purchase 4 minutes after activation, in which it maxed out my credit card. I researched the company name of the fraudulent charges and I can not find any legitimate information, I believe the company doesnt exist and now 5/3 is still telling me I am responsible for this payment of {$4800.00}. This needs to be rectified immediately. The case number for the above matter with fifth Third Bank is : XXXX
Consumer complaint received 2021-04-22
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. (GA)

I sent Experian a letter telling them about my identity fraud and that it was account open in my name and in my child name. I sent them a police report all information. I never heard anything back for them. But the information is still showing up. so I sent them a certified letter about my information and about my child information which is a minor. they sent me a page letter saying the verified that they was my account and my XXXX XXXX XXXX account. that let me know they didn't even read my letter. so I sent them a 3rd letter telling the to give me the information how they verified that when they stop taking my calls, hanging up on when i do get somebody on the phone the verified it me, the hang up. i just want my daughter credit fix she XXXX and these account moved off my credit. the are very ruled