davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
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. (GA)

In XX/XX/XXXX I noticed that their was an incorrect reporting on my Experian credit report. This negative reporting according to Experian 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XX/XX/XXXXl I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact Experian and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, Experian only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted Experian 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record  keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.
Consumer complaint received 2024-08-19
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. (GA)

XXXX funding XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed these items in my credit report and they are unauthorized accounts thats needs to be removed immediately
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi I opened a 0 % introductory APR for 15 statement dates, and if you spent {$1000.00} i would receive a {$200.00} credit. Okay I finally received my {$200.00} credit. However, they charged me {$5.00} interest. I Called to question this on XX/XX/2020 spoke to a XXXX complaint Ticket Nbr. XXXX said he would look into it. He claimed there was no such credit card. I told him I could send him a copy of the advertisement if he wanted it. This credit card is from AAA Financial Services through Bank of America. 
I received a letter from Bank of America dated XX/XX/2020 acknowledging the complaint. But when I checked on my account they still did not credit the {$5.00} so on XX/XX/2020 - I complained again - and tracking nbr. XXXX again they said they would credit it. So.on XX/XX/2020 they credited the {$5.00}. 

now i got my new statement dated XX/XX/2020 and i was charged {$3.00} interest for what? my balance by the way is {$0.00} no new charges.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Kikoff Inc. (NV)

Today on XX/XX/XXXX, I received an email that states : " Congratulations on making another purchase with your Kikoff Credit Account! 
Heres the order receipt for your purchase : Total : {$60.00} Payment method : Kikoff Credit Account New account balance : {$60.00} You can see the details of your Kikoff Credit Account from your dashboard : https : //kikoff.com/dashboard And you can access your purchase by going to the Order Center : https : //kikoff.com/dashboard/credit-account/orders Remember to make on-time payments to build your payment history! '' I was just on KikOff a few days prior looking at my previous accounts to make sure they were closed and I screenshot the statements. 

So if I know I have no new accounts because in order to start a new account with you guys, depending on the chosen limit, EVERYONE has to input the initial start fee to get the ball rolling. That is how Kikoff accounts become activated. So why is Kikoff opening a new account underMY name without MY permission? Please explain to CFPB why you opened a new account under my name without permission? 

To KikOff : Did you think I wouldn't take screenshots? Do you think I wouldn't be educated enough to notice major typos AND illegal back dating??? No, seriously? 
Here is an annotation of actions under KikOff from legal to illegal : XX/XX/XXXX, I, the customer applies for a {$60.00} Kikoff Loan that credits at {$750.00} after payoff. This is a loan to build payment history on credit reports and is not a transactional handheld loan. ( A screenshot has been added as proof ) Each month from XX/XX/XXXX to XX/XX/XXXX, for {$5.00} a month, this Kikoff Loan was payed for. Only XXXX  were missed but were immediately caught up. ( A screenshot is added as proof ) BECAUSE today is the XXXX, and it's XXXX XXXX, it would have been impossible for me to have signed up for another {$60.00} Kikoff Loan on the XXXX to then receive at XXXX an email about the loan on the same day. What makes it impossible would be that THE CUSTOMER would have had to put in for that loan the day prior to receive an email the next day but for KikOff applications, loan approvals are IMMEDIATE. HINT : I STILL HAVE, STARRED, THE EMAILS FROM LAST YEAR WHEN I SIGNED UP. ( Screenshots attached as proof ) Logging on to Kikoff App today after receiving said email, I opened the section that says " Kikoff Loan details '' and at the very bottom, I find : " Account open date is XX/XX/XXXX, Next Closing date is XX/XX/XXXX '' ( Attached as proof is my record transaction statement from Kikoff that shows the actual start date of the loan I opened with my permission while the second screenshot shows the same account getting reopened but with the wrong dates/back dates that clearly do not match up at all with the transaction history. )
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2020-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I don't recall this account and it's reporting CAPITAL ONE BANK USA N # XXXX in accurate information. On XX/XX/XXXX report " Legally Paid '' with inaccurate history ; XX/XX/XXXX reporting Charge-off with Paid On-Time for all 2020 ; XXXX  has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (AZ)

BANK OF THE WEST holds a debt of XXXX $ in my name. They have been reporting it against me as a debt by XXXX XXXX XXXX. Ive made several attempts to remedy the debt as a pay for deletion consider they never informed me of the debt in the first place FOR MONTHS. I how ever have proof of my attention to the debt and offers to settle it and they still dont reply. I waited 30days for a reply after I offered XXXX $ XXXX dollars over the amount for a deal. No reply ... just send last offer at {$160.00} yesterday
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by XXXX XXXX XXXX ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

XXXX XXXX XXXX XXXX XXXX contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or Capital One bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CA)

On XX/XX/2024, I received a fraudulent debit card from CashApp. I did not authorize or set up this account, so I immediately called CashApp and reported it as Identity Theft. The CashApp employees I spoke with repeatedly hung up on me and did not take this issue seriously. The first woman I connected with actually made me think that CashApp was a fraudulent company itself because she was so unprofessional, rude, and terse. Finally, someone from CashApp emailed me a link where I uploaded photos of the front and back of the debit card I received, telling me they needed this info to close the account. 

I continued to try to contact CashApp for confirmation that the account had been closed as no one from CashApp reached out to me with this confirmation. 

On XX/XX/, I called and spoke with 3 different people who all hung up on me. I spoke with " XXXX '' who gave me the runaround and then submitted another complaint to the fraud department. He kept misunderstanding and misstating information I'd given him ( it almost seemed like he was doing it on purpose to frustrate or confuse me ). He gave me no information of value and wasn't able to tell me any updates about the account. He refused to transfer me to a supervisor or the Fraud Dept. He wouldn't listen to my concerns or needs and then hung up on me. 

On XX/XX/2024, I spoke with " XXXX '' who was unable to provide any information and wasn't able to confirm the account had been closed. She hung up on me. I called back and spoke with " XXXX  '' who also treated me poorly and refused to send me to a supervisor when requested. He repeatedly spoke over me, ignored my requests, and proceeded to hang up on me while I begged him to not hang up. 

The CashApp employees I have spoken to have all been uninformed, unhelpful, rude, hard to understand, unprofessional, and haven't been able to give me any useful or relevant information. It is as if none of the employees were informed about proper procedures or protocols and were taught to disregard all customer complaints. It feels like this issue is never going to get resolved as it has been a month since I reported this fraud and no one has done anything about it. It is actually shocking this company is allowed to operate. I am so annoyed and disappointed in this behavior, treatment, and ongoing incident. This should have never happened, and at the very least, once it did happen, it should have been something that was easier to resolve.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

On XXXX XXXX a collection was added to my report from TransWorlds systems from XXXX  that I cleared with another company I provided proof such as emails of confirmation receipts and I was given little to no information or help. I requested this report to be deleted for about 3 mo the not and yet nothing
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (IN)

Notice on my XXXXXXXX XXXX thru XXXX XXXX, NEW hard Inquiry. XX/XX/scrub>XXXX XXXX  Showed XXXX XXXX XXXXXXXX I guess this is a XXXX Acct. credit limit {$750.00} I called and they did close it. 
I received in mail like XXXX days later showing my new acct info with my address BUT not my EMAIL? Also Appears like a phone number almost identical to mine was used as well. 
I have froze all XXXX accts with XXXX XXXX XXXX XXXX more days later got a inquiry from XXXX asking for info on this XXXX acct that was opened. This is where I am at. I was told I should file a report with you all as well. Just worried and trying to do the right thing here.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (TN)

I have been receiving phone calls on my job and company phonne for the past 3 weeks starting XX/XX/XXXXfrom a debt collector called CBE Group that states I owe a XXXX XXXX Bill from XX/XX/XXXX in the amount of XXXX. I have asked them to send me a written notice of the bill but have not heard anything back on this. I had also signed up with XXXX XXXX for my present cell phone service over a year ago and I feel that if there had been an outstanding debt, it would have been brought to my attention then. Due to my working, my wife called the company to ask them about the bill and to let them know that there was no debt on record to pay and the customer service rep informed her that I am, in fact, responsible for the debt and that if I do not pay it, it will go on my credit report. He continued to argue with my wife until she finally told him that she was going to report his company to the FTC, State Attorney and consumer finance. He said that's fine but I would still have to pay this debt or it would be put on my credit report. My wife also called XXXX to see if I did have an old account that was not paid and after running my SS number, they said no and even confirmed that if I did, I would not have been able to get my present service until any past due debts were paid.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : BankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I contacted Portfolio Recovery on XX/XX/2020 on a recorded line we came to agreement that if I payed XXXX $ this debt would be deleted. The agent spoke with manager to confirm this. They also sent a email and assured a letter of this agreement would be mailed to me. The agent on the phone assured me this debt would be deleted No later than than 30 days from the date on the payment agreement XX/XX/2020. Portfolio Recovery agreed to delete this debt off of my credit report. They left a balance on my credit report of XXXX. This was not the agreement. I also have documentation from the email that they sent of the agreement. I want this deleted as agreed on a recorded line to and per email once payment was made this would be deleted. This company is so shady and ridiculous. They should be fined!!
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2020 I sent a dispute letter to Portfolio Recovery and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXXand XX/XX/XXXX is together on one file whileXX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-17
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. (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted Experian and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX  so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting Experian I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

Discover Card repeatedly denied credit card applications without valid justification as to why they did so. Furthermore, the pre-qualifying application page no longer works- most likely due to the webmaster of the credit card company deliberately removing the application page to prevent the application being processed again. Have sent in numerous requests and almost all the applications were denied.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (PA)

We wrote a check on Friday XXXX, and someone changed the name, date, and amount. I saw the problem in my online account over the weekend, but I couldn't contact the bank. I immediately contacted the bank and called the police on Monday XXXX. Every time I contacted the bank, they said I had to wait 3 months. After waiting for 9 months, they said they would need a year to process. I contacted the bank in XXXX of this year. In the end, they told us that they couldn't refund the money. I looked at the monthly statement and the posting date showed XX/XX/XXXX. How can I get this money back?