davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

On both XX/XX/2020 in the amount of {$150.00} and XX/XX/2020 in the amount of XXXX, I purchased a wedding dress from David 's Bridal. Both dresses were returned. On XX/XX/2020 and XXXX XXXX, 2020, I received notice that both returns were received by David 's Bridal and a credit would issued to my credit card. After not have received a credit, I reached to David 's Bridal on numerous occasion through their online portal. I was told I had to submit my request in writing to Comenity Capital Bank. On XXXX XXXX, 2020, I wrote to Comenity Capital Bank, as I had only received a credit for the XXXX XXXX, 2020 purchase in the amount of {$140.00}, but not the XX/XX/2020 purchase in the amount of {$150.00}. See my letter dated XX/XX/2020 with the supporting documentation attached. 

I received the attached correspondence dated XX/XX/2020 from Comenity Bank indicating they had reviewed my claim and found I was not responsible for the {$150.00} oustanding on my account and an adjustment had been made to my account. See letter dated XXXX20 attached. 

Depsite the above, I continue to receive statements from Davids Bridal indicating that there is a balance due and owing, in additional to late fees and interest. See most recent statement attached hereto. 

I reached out to David 's Bridal several times through their online portal and continue to receive the same response -- to either submit my request in writing or it is still being investigated. In response to same, I submitted the XXXX20 letter indicating they had completed the investigation and I was not responsible, however, I continue to receive the same message. 

On XXXX XXXX, 2020, I reached out via telephone to Comenity Bank who indicated that they have to wait for authorization from David 's Bridal in order to issue the credit even though they have done their investigation and indicated that I am not responsible for the {$150.00} charge. I was told that they would clear the account of any fees and finance charges and hold the account. 

Following my XX/XX/2020 telephone conversation with Comenity Bank, I received the attached corespondence dated XX/XX/2020 indicating that they are " currently researching it '' and they are in need of additional information to complete their review. Which was a total contradiction to what I was told and the correspondence I received. 

I call David 's Bridal they tell me to call Comenity, and when I called Comenity they told it was David 's Bridal responsibility. 

At this point, I am unable to resolve this issue despite the numerous attempts I have made.
Consumer complaint received 2020-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I currently have fraud on my Saks Mastercard account and upon contacting Saks i felt as if i was a criminal on my own account, i spent over 30 minutes on a phone call to report fraud to be interrogated as if i committed the fraud myself. I am completely beyond shocked at this type of experience. Then to be asked security questions that are public record to report fraud was an even more ridiculous question i was asked. I have no idea what Capital One thinks they are doing here but they need to remove these charges off my account. Then to have the nerve to tell me it takes two cycles to issue a temporary credit for FRAUD and have to make payments towards the fraud charges until they complete the investigation are you KIDDING me???? NO, capital one needs to remove these fraud charges off my account ASAP. FRAUD IS FRAUD my credit card was stolen along with many others and i want these charges removed immediately.
Consumer complaint received 2020-09-14
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 (NJ)

Called them telling them ( XXXX XXXX ) I cant make payments ( 3 payments behind ) because of unemployment not being able to get to me back ( also filled for there 3 months forgiveness act when it came  out ), on XX/XX/XXXX i made 1/3 payments ... because Im just  starting to get unemployment this first week of XXXX ... but I just came to find out that my credit score was infected by a lot but with this pandemic and the unemployment being unexpectedly long to arrive to me its not really fair since they new in advance I wouldnt be able to pay due to unemployment being late.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (NV)

I first applied online and it said I was approved but had to come in to the store for verification documents so I go to rabbit cash number XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX on XX/XX/2020 providing them with extra documentation requested from the manager they told me she had to wait for another manager to get the approval to disperse funds where XXXX I had already came into the facility with documentation and identity verification however the man Standing to the right of me left with the loan he applied for and didnt even have an ID card. I was there for over two hours and left with no loan she was Disrespectful rude making fun of my clothes and laughing at the fact I was there for over two hours and last but not least she was XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I recently sent a dispute letter to Equifax on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Equifax was reporting an incorrect close date. Equifax reports a close date of XX/XX/XXXX. I received a new auto loan from my credit union on XX/XX/XXXX and this account showing was not closed until XX/XX/XXXX. This shows me that, although it was said that it occurred, the account has not been properly verified, and Equifax has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately.
Consumer complaint received 2020-09-14
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. (CA)

Today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. Both accounts are from XXXX  XXXX ; I have never open an account with that company and I do not have any contract with them nor am I affiliated to them in any way. I don't know who is responsible for these accounts since I did not authorize anyone to open them in my name. I did not benefit anything from these accounts such as money, services, goods or anything else nor did I ever make any payments towards these accounts. I have already filed a police report regarding these unauthorized accounts in hopes of getting this resolved.
Consumer complaint received 2020-09-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Consumer complaint received 2023-06-15
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: Convergent Resources, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Auto loan paid in full since XX/XX/XXXX XXXX.credit acceptance Corp still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I logged into the Capital One credit card website and noticed that my available credit was only {$4900.00} when it should have been {$9900.00} as I had a $ XXXX credit limit. I am enrolled in paperless billing and checked my latest account statement and it showed a $ XXXX limit with no mention of a credit limit reduction. While searching the website for a correspondence page, I logged into XXXX from Capital One and it revealed that my credit score dropped 28 points because my available credit decreased. As I am currently in the process of shopping for a new home, a drop in my credit score that significant will negatively impact my ability to finance my purchase as my pre-approval was based on my prior credit limit and credit score. I finally found correspondence dated XX/XX/XXXX that informed me why my credit limit was decreased. As I have been a Capital One customer since the year XXXX, I called to ask for the credit limit decrease to be reversed. I was told that the decision was final and could not be reversed. I asked to speak with a supervisor and was told that they would not be able to reverse the decision. The supervisor then explained why my credit limit was decreased. I explained that I understood why because the letter detailed the reasons ; what I didn't understand was how a business decision with no policy, term, conditions, or member agreement could not be reversed for a 20 year customer with excellent credit history. I also expressed that I have never felt more disrespected by a credit card company ( even though I was a customer of the predatory Associates credit card I received as a freshman in college ) and should have been notified my credit limit would decrease if my usage didn't increase. I was again told that the decision was irreversible even though my XXXXredit score was so negatively affected. I am making this complaint because I have no recourse to repair the damage to my credit score inflicted by Capital One at a critical time when I am trying to procure a new home and need excellent credit to receive funding.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

Hi ERC ; I'm on the phone with the ERC representative XXXX XXXX Desk # XXXX and she said that the account was opened in XXXX Texas for XXXX and the remainder balance of {$1200.00}. First of all, I never lived outside of Massachusetts, and the variation of my name doesn't match what they have in the system. This error entered on my credit profile is costing me {$1000.00} 's of dollars because my credit score has dropped -87 points from 800 's into back in XXXX. I need this remove and any addresses associated with this fraudulent address. Again, this account doesn't belong to me and I need this permanently deleted from my credit report.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record. Erase this on my report as it truly influences my credit standing.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc. (OR)

I have been making payments each and every month to PCS since XX/XX/2013 ( 7years ) I have not missed sending them a monthly payment, yet. 

Recently, they've decided they need to call me and email me asking where my payment is - ( it's already been sent - and the month is not over yet -but they call and email me ) I talked to them on the phone and they talk like i've not been making payments every single month for 7 long years. They act like i'm being difficult and not sending them anything, when i told her I haven't missed a month yet, why are you calling all the time now? She says i need to make a payment ( like i haven't been! ) - it's frustrating. I told the last caller to not call me anymore. So now they sent an email, which i can not reply to. I'm just annoyed. I don't need to be harassed when i'm sending you money each and every single month. I could understand if I haven't been good about making payments to them, but I have!
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TN)

Contacted ERC about questionable debt Was told it was with XXXX XXXX XXXX XXXX From over a year ago Then was told it was from a bill in XXXX Called XXXX XXXX XXXX agent went over payment history for the last year Their records showed no missed payments
Consumer complaint received 2020-08-31
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. (AL)

File dispute with Experian XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. XXXX for item was deem cash payment within 30 days
Consumer complaint received 2020-09-01
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: SYNCHRONY FINANCIAL (CA)

Around XXXX, I incurred a dental bill of {$2000.00}, and since I was unable to pay it at once, I put it on my CARE CREDIT CARD, which is SYNCHRONY BANK. The next day, I called CARE CREDIT to advise them of the charge, and informed them of the following : ( 1 ) That I wanted to pay said charge at the rate of {$200.00} a month ; ( 2 ) That I wanted the account to be set on " Automatic Payments '', so that I would never miss a payment ; ( 3 )  That I will make 2 monthly payments right now, or {$400.00}, and to put the balance of {$1600.00} on " Auto Pay ''. 
Then, on XX/XX/2020, I saw on my bank statement, that CARE CREDIT took out the ENTIRE {$2000.00} out of my account! On XXXX, I finally got a hold of someone there by the name of XXXX , and told her of their " mistake '' of taking out the entire sum of {$2000.00}, which was completely against our agreement. She apologized and assured me that I would receive a check in the mail for the balance owed to me of {$1600.00}. 
After 2 weeks passed, I still never got the check & when I called again, they said the check was sent out on XX/XX/2020, and that I was to receive it in 7-15 days. When still not receiving said check by XX/XX/2020, I called CARE CREDIT again. This time they told me that the check was not sent out until XX/XX/2020! And he informed me that it is up to 15 " business days ''. 
So, when I still had not received my refund, I again called CARE CREDIT on XX/XX/2020. They said " All we can say that the check was sent on XX/XX/2020 and you should have received it ''. When I assured her that I did not receive it, she essentially said that there was nothing she could do! 
To make matters worse, is that their records reflect that the {$1600.00} had been tendered & paid, and that I now have a {$1600.00} balance that will be paid at the monthly rate of {$200.00}!!! 
In my phone calls, I asked them to just credit back the charge to the Debit Card they were paid with. They refused to do that!

It is very clear that their actions amount to more than gross negligence, as it certainly is Fraud!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

So I was thought I was booking a home for vacation, I sent the money through XXXX with my bank app, u.s. bank. And it was a scam. After I sent the payment I got another message from another person saying it was a scam. So I went to my bank 20 minutes after the transfer to see if there was anything I can do and they claimed we couldnt. 
On XX/XX/XXXX I sent {$1100.00} through my XXXX  with my banking app Im sending over a copy of the agreements that was sent. I have signed copies on my end but theyre at home.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank lowered my credit limit without cause or justification. This happened on this account in XXXX, not again. Scrupulous business practices effecting my FICO score so I can not perform a balance transfer with another financial institution.