davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
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. (NY)

In XX/XX/XXXX, I sent Transunion a dispute challenge letter. However, TransUnion has not responded to my request a violation. 

I'm my challenge letter I asked Transunion to send me methods of verification for the following account. 
The company has not responded, a violation XXXX XXXX XXXX : XXXX ; inaccurate account ; a violation In my dispute letter I asked Transunion to send me proof of last payment. ( please see attachment for credit summary snapshot ) The company has not responded.

In the credit summary you will see that this account was last updated by TransUnion XX/XX/XXXX but still reports multiple inaccuracies, a violation. 

Notice multiple discrepancies in reporting from TransUnion and XXXX  : TransUnion reports that this account was updated in XXXX of XXXX, while the same account is reported by XXXX  with the last date updated XXXX of XXXX, a violation. 


TransUnion currently reports last payment received was it XX/XX/XXXX. But XXXX  reports last payment received in XXXX of XXXX. A violation My bank account reports that this account was last paid XXXX of XXXX. Where is XXXX  and TransUnion getting this inaccurate inconsistent information from??
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (MD)

Upon reviewing my credit report, I noticed an outstanding balance of {$170.00} from a Brooks Brothers store charge card issued by Citibank NA and closed on XX/XX/2015. I contacted Citibank in an attempt to resolve the matter. I asked to see my final statement in order to review the balance, but Citibank refused to provide it. I was told that the account is a " dead file '' and no further information could be provided. Nonetheless, I offered to make a payment in full as long as I would receive a prompt acknowledgement. However, the associate told me that a payment could only be accepted by mail and it could take up to 90 days to process, which I found unacceptable. Clearing up the derogatory information on my credit report is an urgent matter for me.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (LA)

I am writing because of a problem I am having with a credit repair company Lexington law, which I hired last year to work on my credit issues. The company took my money for a year and showed nothing by way of results or even activity. When I called them to inquire as to what they were doing they would tell me that they were working on it and would only call me when they wanted money from me and to continue to sell their progress on my behalf. During the time I was under work contract with them nothing ever changed that I didn't initiate myself. And when they tried to take credit for changes in my file that I did as a result of on time payments or other small disputes for accuracy they actually tried to tell me this was the result of their efforts on my behalf and I would correct them and tell them it was not.

In the time that I was with them nothing ever changed, I was never contacted by a credit reporting company or a collector to negotiate or settle an account. Lexington Law took my money and fed me  lies in order to continue billing me. By my estimation they deducted close to {$1300.00} dollars and change from my bank and never did anything. They charged me for a months work in advance when I canceled. I am disgusted with this process and nothing was ever done. No results at all. I would like my money back from this company because they took advantage of me. I am asking this agency to help me with this problem.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Contacted Citibank on XX/XX/2020 to find out how long they have been charging me for Payment Safeguard. I asked how I was enrolled - they werent sure. I asked them to provide the authorization from me to enroll me in Payment Safeguard - they didnt have the information. I instructed them to cancel the service immediately and refund the fees they have charged me. They stated I would have to prove I didnt enroll in the program which is the equivalent of proving a negative. They stated they cancelled it but will not send me confirmation of the cancellation.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Company is attempting to collect a debt of approximately $ 7K that I do not owe. They have reported this debt my all 3 credit bureaus and posted to my credit report erroneously. There is no contact for this debt ... .The website 's contact information forwards to an online pharmacy company. They have an F rating on the XXXX  for not providing proof of the collection. Please help me remove this from my credit reports. 



Midwest Recovery Systems, LLC. 
Collections Agencies This is a multi-location business. Find a location XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX http : //www.mrs-direct.com/ ( XXXX ) XXXX
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (OR)

Hello, I've opened this complaint in regards to a dispute on my Barclays XXXX credit card that was not resolved. To provide a brief summary, I purchased airfare for XXXX XXXX through a 3rd party, XXXX XXXX, on the date of XX/XX/XXXX. This was for a one way XXXX-XXXX flight on XXXX XXXX, departing XX/XX/XXXX. I used a combination of XXXX Points and cash, with the remainder charged to my XXXX credit card. I have attached this evidence along with my confirmation from XXXX, showing I paid/booked the airfare through XXXX XXXX. Since I was not able to select a seat during this third-party booking, I used the confirmation number provided by XXXX XXXX to import this trip into my XXXX XXXX account. I then selected a 'Big Front Seat ' in the amount of {$40.00} ( having already purchased the airfare through XXXX XXXX ) and provided my Barclays XXXX credit card to XXXX  for the {$40.00} seat charge. 

I never received a confirmation screen or email from XXXX  for the seat selection, and I was incorrectly charged {$180.00}, rather than {$40.00} for the Big Front Seat. Essentially, I was charged a second time for the airfare that I already purchased through XXXX XXXX. I did not book this airfare through XXXX, and there is no reason for XXXX  to charge me for the {$140.00} additional airfare amount. I spent a considerable amount of time with customer service reps from both XXXX ( both phone/email ) and XXXX XXXX, who pointed me in each others direction in trying to resolve this. Neither would take any responsibility for trying to help fix my problem. 

I have attached a lot of documentation including the confirmation I received from XXXX XXXX for the airfare, and emails from XXXX XXXX where they admitted that I had booked the airfare through a third party and not directly through XXXX. Ive also attached credit card statements with the XXXX and XXXX XXXX charges. My complaint is with Barclays, and also XXXX  since they charged me for the airfare a second time ( onto my Barclays credit card ). I realize this case is slightly complicated, but I have pursued every other avenue I could think of before filing my CFPB complaint. I opened up an official credit card dispute with Barclays, and was told to mail my documents in to support my dispute. I mailed them in and eventually Barclays denied it saying I failed to provide proper documentation. I do not agree, because I provided proof that I was charged twice for the airfare I purchased through XXXX XXXX. Feel free to contact me if you need additional information or documentation for my complaint.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

THIS IS A CASE OF BIG COMPANY USING THEIR POWER OF NOT REMOVING A FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED AN ACCOUNT WITH BANK OF AMERICA, THEY HAVE ALSO MAINTAINED THE ACCOUNT. THE ACCOUNT IS CURRENTLY CLOSED, WITH XXXX BALANCE BUT NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND BANK OF AMERICA REFUSES TO REMOVE THIS ACCOUNT. UNDER FAIR ACT CREDIT 605 THE FRAUDULENT ACCOUNTS SHOULD BE REMOVED ONCE THE IDENTITY HTEFT HAS BEEN VALIDATED. I AM VICITM AND I HAVE ALSO SENT THEM THE NORARIZED IDENTITY THEFT REPORT SO I CAN PROVE MY INNOCENSE, I HAVE NO IDEA WHAT ELASE I CAN SEND TO THEM TO PROOF THAT I AM VICTIM. REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2020-01-31
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. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : XXXX XXXX
Consumer complaint received 2020-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (OH)

I presented myself on XX/XX/2019 to a small XXXX XXXX XXXX XXXX XXXX for a XXXX  that went under my XXXX  all the way to the XXXX ( I have a photo of before and a second photo of after I had to remove it myself if I am able to attach them later ) The Dr. looked at it and stated that he couldn't attempt to remove it and referred me to a XXXX XXXX. No care was given aside from taking the normal vital signs. Upon leaving, the secretary handed me a bill for {$1100.00}. In shock, I stated that I would discuss this with my insurance company. On XX/XX/2019 I received a statement showing a contractual write-off of {$470.00} and a balance of {$700.00}. I then contacted XXXX  several times over the next few months asking for an explanation and an investigation of this ridiculous charge. In the end they stated that there was not anything they could do or would do to decrease or to wipe out the balance. I was forced to make a payment of {$50.00} on XX/XX/2019 as to prolong the issue. XXXX  then turned it over to a collection agency of whom I called to explain the situation. Again, nothing was done. I made two more payments to them and now they have turned it over to another collection agency. The balance is currently {$450.00}. I would like to have XXXX looked into for their outrageous process of billing when not providing any care.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Experian received my certified mail letter dated XXXX XXXX on XX/XX/year> requesting their specific method of verification for XXXX items on my credit profile including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX It has now been 17 days since receiving my request and THEY HAVE FAILED TO provide me with a response as required per FCRA 15 USC 1681i ( a ) ( 7 ) which states that if a consumer request the " description of the procedure used to determine the accuracy and completeness of the information, ( i.e. the method of verification ), the credit reporting agency must respond to the consumer in within 15 days of receiving the request. EXPERIAN HAS FAILED TO ABIDE BY THIS LAW. Please remove all XXXX above listed items from my consumer report immediately.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

I applied for a credit card and Comenity did not follow Fair Credit Reporting Act. 

Did not contact applicant on phone number listed on fraud alert. 

I have capability to lock my credit with XXXX, remove freeze with XXXX  but nothing with XXXX  ( they charge a monthly fee for the service ). My file with XXXX  is unlocked I contacted Comenity and they were not able to address my concerned. 

They want me to apply in 30 days, having a few more inquiries on my credit.
Consumer complaint received 2020-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to XXXX and TransUnion on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I have been threatened and harrassed to the point of cruelty by COMMENITY BANK. I made payment directly to the store and they told me I had to pay them, then the harrassment began and won't stop. I have had to block close to 100 DIFFERENT numbers and robo calls that get though to my voicemail. Ive also received texts and e mails!!!! I'm going to finish payment but they call me while I'm working too. Help me please!
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX 

Please remove my number from my credit report thats not : XXXX
Consumer complaint received 2020-01-31
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. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding.

Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness.

Please remove these item from my report or legal action will be taken.

Thanking you in advance.

ACCOUNT : XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder XXXX XXXX. After calling XXXX they said I never made my XX/XX/XXXX payment. I make my payments every month thru XXXX app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to XXXX they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XX/XX/XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks XXXX for the classy treatment
Consumer complaint received 2020-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

I went through the loan process at the end of XXXX. Though, when I saw the 324 % interest rate. I immediately exited out of the page because I didnt want to pay that kind of interest. Though on the XXXX or XXXX of XXXX. I saw the money was in my account. I immediately tried to contact them but no one picked up due to the holiday. I attempted to call again the next day and told them it was a mix up I did not want the money to please take the loan back. The person on the phone agreed and debited the amount out of my account. Though I saw yesterday XX/XX/XXXX that I saw still charged interest by cashner usa despite having told them I did not want the loan and to dedit it back out of my account. Which the did earlier this month. I called again and asked them why and they responded that they were not going to waive the interest charge on a loan I never used. So I decided to file this complaint. Especially because companies charging predatory interest rates like that with these kind of business practices should not exist. My bank account is unable to screenshot the deposit amount of {$240.00} on XX/XX/XXXX. And that the amount was returned XX/XX/XXXX. Yet I was still charged interest.
Consumer complaint received 2019-08-27
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. (PA)

I have submitted numerous disputes with XXXX, XXXX and Experien regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (IL)

HR and our Operations Manager received a call from Credit Corp Solutions concerning myself. It looks poor on my company performance when they call Managers at the top level of our site and leave messages for myself. I thought collection agencies were not supposed to call others at your work ( especially not those 2 or more levels above me ). I do not have any loan with Credit Corp Solutions. As I do not have credit cards or loans ( except one just opened to refinance my car loan with my bank ), I can only assume that they may be calling about Medical bills. We are paying on our medical bills, but not at the amount the hospital wants.
Consumer complaint received 2020-02-01
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. (CA)

Inspite of many previous requests to XXXX, TransUnion, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction IN THE ATTACHMENT
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Capital One GM credit card with a rewards program called Buy Power Rewards. For every GM dealership or service department work done, I accrue points that I can use toward a statement credit or toward the purchase of a new XXXX vehicle. Even if my rewards total over XXXX points ( equals to {$250.00} ), I can only use XXXX points per calendar year. On XX/XX/2020, I had service work done on my vehicle in the amount {$150.00}. As of today XX/XX/2020, I have accrued {$260.00} in points Today, I contacted the Reward Program customer service to ask that they apply points to pay off the bill of {$150.00}. The rep named XXXX kept me on the phone for almost one hour explaining the entire program to me, when all I asked for was that the rewards be applied. Due to some contradictory pieces of info that she provided, I had a few questions that she couldnt answer, so she just kept repeating herself about the program details. I finally asked to speak to a supervisor. She put me on hold several times, saying that she was looking for a supervisor but couldnt find one. Then she said that she found 3 supervisors but she would relay my questions to the supervisor on my behalf. She also said that her supervisor was in the building but she didnt know where. After repeated requests to speak to a supervisor, I was never connected to one. She admitted that she did not work for either GM or the credit card company, but was an independent contractor. She ultimately applied the reward to my credit card, but not as I requested. Instead of applying only {$150.00} in rewards, she applied the entire yearly allotment of {$250.00} to my credit card. When I advised her of this, she said it was her mistake and she'd fix it so that only {$150.00} would be rewarded. I called back and spoke to another rep named XXXX and he said once the reward request has gone through, it can't be changed. So now I have to either get a refund check from the credit card or leave the credit in case I need more service work done.