davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-26
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: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX via my XXXX card I purchased an external hard drive for {$76.00}. I was supposed to receive the item on XX/XX/XXXX. I did not receive the item. I called XXXX customer service and XXXX XXXX via email. They both told me to wait till XX/XX/XXXX for a response and they never responded. I requested a refund for the item- and have not been refunded.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, Equifax started reporting inquiries that I hadn't authorized from multiple entities. I reached out to equifax multiple times via phone to remove these inquiries and got no help. I, also, furnished them the information that was asked of me to get these inquiries removed. Upon calling them after this, I was told they would not be able to help. I recently sent a certified mail to Equifax regarding these inquiries and stated the US Code that mandates that all unauthorized inquiries be removed, to include the inquiries at hand. The certified mail receipt shows that the mail arrived at XXXX  XXXX  in XXXX GA XXXX XXXX XXXX.
Consumer complaint received 2021-04-05
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. (TX)

Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

Experian XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} XXXX XXXX XX/XX/XXXX {$440.00}
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I have asked this company to verify the debt with a dispute letter sent on XX/XX/2018 and they have not responded. I would like to have this deleted from my XXXX  and XXXX credit reports for lack of validity.
Consumer complaint received 2018-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX  late payment : XXXXXXXX XXXX XXXX XXXXXXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Purchased item online car cover wrong cover sent merchant had advised 100 % guaranteed tried a dozen times to exchange. After a week called credit card company to dispute charge finally got hold of someone by phone at XXXX XXXX XXXX after an argument she said good luck on getting refund and hung up on me. Contacted credit card company to let them know what was going on. Two months later got return Receipt from company and dropped off at XXXX store. Chase sent me a check for XXXX dollars now the bank has rebuild me and they in favor of the merchant because item was returned to late? I am out XXXX dollars and no car cover because Chase Bank is incompetent plus a thousand hours on phone trying to resolve this I refuse to pay.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

I made a purchase on XX/XX/2021 order XXXX on the XXXX XXXX  app. I purchased 3 items totaling approximately {$500.00} and applied a 10 % off coupon. Coupon code XXXX. The app showed the discount applied for approximately $ XXXX {$48.00}. I then entered in a XXXX XXXX gift card number for {$100.00}. It then showed the remaining balance of approximately {$350.00} which I entered in my Home Depot credit card number that is financed through Citi Bank. When my credit card was charged they charged me approximately {$400.00}. Multiple calls on XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX and Citi. Citi is now saying that because I used my XXXX XXXX  gift card the discount was no longer applicable. However no where in the terms of this offer does it say you can not use a gift card. it does say the purchase must be placed on your Home Depot credit card but it does not state the ENTIRE purchase must be placed on your Home Depot credit card. It also states that this offer can not be combined with any other discounts or deferred financing plans, however My XXXX XXXX gift card is not considered a discount. The app also did not show the discount no longer applied after I entered in the gift card number. What it did show was a remaining balance of {$350.00} that would be charged to my credit card.How can a customer know all the exclusions if Citi does not provide the information upfront? This is very deceiving and misleading to consumers because had I been provided the full terms I would have been able to make an informed decision and used my gift card for something else.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AP)

I closed my account with Barclays due to the annual fee and it was credited back to me on XXXX XXXX XXXX  ( same day it was charged ). Flash forward to XXXX XXXX XXXX I was charged for the {$99.00} fee in the auto payment, I called wanting my money back as the balance was already {$0.00} and was told I had to wait 5 business days to request my money is returned, plus at that point I'll only get a physical check for the funds..

in the below email text, it clearly states " If your Automatic payment is greater than the current statement balance, we will reduce the payment for that billing cycle to the statement balance amount. '' This did not happen. I was still charged for the {$99.00} fee even though it was already reversed. 

I should not have to be waiting for weeks to get my money back for their banking error. 

Your card : XXXX XXXX XXXX XXXX XXXX Payment amount : {$99.00} Scheduled for : XX/XX/year> Bank account name : View my account Important things to note about AutoPay : If your Automatic payment is greater than the current statement balance, we will reduce the payment for that billing cycle to the statement balance amount. 

If your Automatic payment amount is lower than the minimum payment due, your payment will be increased to the minimum amount due for that statement balance amount. This is to avoid your account going past due and ensures your account remains in good standing. 

If you do not want an Automatic payment to be increased, we recommend you cancel it. Please remember, if you cancel your payment or pay any amount less than the minimum amount due by the payment due date, you may be charged a late fee.

You can cancel your Automatic payment any time before XXXX XXXX  ET up to the date the payment is scheduled to be made. 
You can make a one-time payment in any amount up until XXXX XXXX ET on the payment due date using the make a payment option. 
A newly scheduled Automatic payment, scheduled after XXXX XXXX ET on that same day, can be changed any time before XXXXXXXX XXXX ET.
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (GA)

ORDERED AN ITEM WITH XXXX. THEY FAILED TO SHIP PRODUCT BUT KLARNA CHARGED ME ANYWAY. I TRIED TO INFORM THEM THAT XXXX  NEVER SHIPPED THE ITEM. XXXX  CREATED A SHIPPING LABEL BUT NEVER SHIPPED THE MERCHANDISE. IT IS IMPOSSIBLE TO GET RESOLUTION FROM XXXX CUSTOMER SERVICE CHAT. THERE IS NO WAY TO DEAL WITH ANYONE IN THE UNITED STATES. XXXX  WERE NOT SUPPOSED TO BILL KLARNA CREDIT WITHOUT SHIPPING. XXXX HAS CONFIRMED IN WRITING XXXX  NEVER GAVE THEM THE MERCHANDISE FOR SHIPPING. XXXX JUST CREATES LABELS AND CHARGES PEOPLE THEN IT IS IMPOSSIBLE TO GET CREDIT FOR ITEMS NOT SHIPPED. 
THE ITEM WAS SUPPOSED TO ARRIVE XX/XX/XXXX ( LATE AFTER FAILING TO MEET THE EXPRESS FEE TIMELINE ) BUT UPS CONFIRMS AS OF TODAY XX/XX/22 ITEM HAS STILL NOT BEEN MADE AVAILABLE TO THEM
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX, I bought a XXXX laptop online for {$2100.00}. Unfortunately, the product did not perform well to my expectations, but I had to keep the product because I can not return after 30 days plus they would also charge for restocking fees and shipping. I am also dissatisfied with the purchase because XXXX XXXX promotional offer was misleading me to buy the product, thinking I would make full payment same as cash by 18 months and pay evenly for every month. On XX/XX/XXXX, I called and filed a dispute, a rep told me that I will not have to pay for interest while in the process of investigation. But when I received the statement, it was frustrating to see that interest is continuing to accrue. No one called me right away to notify me by phone or at least by EMAIL that my dispute has been cancelled, but just send a letter that I received more than 1 week later. 

XXXX XXXX XXXX is no longer contracted with XXXX. I have sent in a request to have the right not to pay the remaining balance if I am not happy with my purchase as instructed on the statement on XX/XX/XXXX, but I did not received a respond until today. 

I have also contacted a lawyer, but I can not pay the fees. It is distressing to go through this process as I can not pay the fees, unhappy with my purchase, the company is ignoring my hardship. Furthermore, it is an unfair business practice to mislead ads and not have a AUTOMATIC PAYMENT WITHDRAWAL option, the customer would have to remember to make payments every month. They need to change this as it can be frustrating for customers. My interest in now {$780.00} when I missed making a full payment in XXXX.
Consumer complaint received 2021-04-05
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. (LA)

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. XXXX and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (AL)

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  {$560.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX   XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX   XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted all the proper paperwork to TransUnion they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.
Consumer complaint received 2023-04-07
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. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable ; 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. I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Patriot Finance, LLC (GA)

My credit report hasnt been updated since XXXX. I tried to open my account online and the website has been taken down. It looks like their doors were shut and items auctioned off. I cant find who owns the loan now, have no idea what my account balance is. But my monthly bank drafts are coming out - dont know where they go though. I will be stopping the draft until I can locate the creditor and get an account update
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Consumer complaint received 2018-06-20
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. (PA)

I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, XXXX, Equifax, and XXXX. I have sent multiple requests to XXXX, XXXX, and Equipfax to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX, charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to Equifax and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and Equifax of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by Equifax and XXXX. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and Equifax states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies Equifax and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.