davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (NV)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-04
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One card had a conventional method where I would receive monthly statement for a 30-day billing cycle with a payment due date. Generally, I incurred interest for the portion of the statement balance I did not pay by the due date. In the statement that I received on XX/XX/XXXX ( Billing Cycle XX/XX/2023 to XX/XX/2023 ), I had a rollover balance of {$400.00} and a new transaction balance of {$4500.00}, for purchases made during the billing cycle. The statement 's due date was XX/XX/2023. I paid the balance in full by the statement due date. However, I was charged {$82.00} of interest for the XX/XX/XXXX statement. This interest is way higher than the expected interest for the rollover balance of {$400.00} based on account APR. I reached out to customer service and explained my concern to multiple representatives from management. They failed to explain the charge calculation and changed their method 2-3 times. After failing to provide a clear justification they hung up. To my surprise, CapitalOne again charged me an interest of {$80.00} despite having a {$0.00} balance in the account. I called and spoke to another supervisor who again failed to provide a comprehensible explanation for having a monthly statement with {$80.00} interest with no transaction/balance. CapitalOne has unusual interest charge practices that dont align with fair business practices and thus I decided to close my account.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (AZ)

My XXXX account is set up on ACH payment. XXXX charged my checking account {$140.00} on XX/XX/19. My regular bill is {$71.00} on the XXXX each month. I contacted XXXX on XX/XX/19 to dispute this charge, which was double my regular bill. I recently moved and transferred my service to a new address. The XXXX employee I spoke with explained that ACH doesn't carry over for a transfer and they have to reestablish the ACH from the transfer. I told him that this was not explained when I transferred my service, and that even if it had, I would not have authorized XXXX to pull my XX/XX/19 and the XX/XX/19 bill together. The XX/XX/19 bill is not due for 3 weeks. I asked that they refund this portion of the bill. The employee was non-committal and told me he could escalate to a back office support team, but indicated it would be a number of business days before I heard anything. I asked to speak to a supervisor. The supervisor was also non-committal and advised he would escalate the matter to back office support who has ultimate approval on this, that he had no authorization to put the money back in my account. He said there was no way to transfer me to speak with the back office team directly either, or anyone who had authority to resolve this matter. At best, he advised that IF the refund was authorized, it would be sent via check and take up to 5 business days for authorization. I told him that the timeline, the lack of urgency, and the non-commitment from XXXX were all not acceptable to me as this was an ACH that was not authorized. He indicated I could seek resolution via my bank as well, and I advised I would do that. I attempted to dispute the transaction with my bank ( Simple Bank ), but received a message that disputing the transaction was not possible.
Consumer complaint received 2024-07-04
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. (CA)

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. Despite my repeated efforts to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my XXXX score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I have opened a Hilton Honors credit card with AMEX in XX/XX/XXXX which was stating " Earn XXXX Hilton Honors Bonus Points after you spend {$2000.00} in eligible purchases on the Card in the first 6 months of Card Membership. '' For the 1st month I setup a bill payment from my account and AMEX charged me interest and told me they did not receive my payment. I immediately paid over the phone, but they refused to refund me the fees charged and after I called multiple times, they refunded me partially the fees. For the 2nd statement I made sure to pay on time and paid for the whole balance. I have a XXXX credit and I never missed a payment. Today when I called and asked why I did not get my bonus points after spending so much on this card, they told me I am not eligible for their offer. I tried to explain them that I was approved for this offer when I applied for the credit card and I did not get a letter or a note about being not eligible for the offer. And now after I spent so much money and they charged me even an annual membership AMEX refused to give me the points. I was extremely disappointed after doing my best to spend and pay the debt to not get the points and the worst it was that the Customer Service representative could not tell me why I was not eligible and why I did not get a notification about not being eligible. This is the first time when I get into a situation when the promised reward points are not
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-04
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. (OH)

I send my dispute letter for this incorrect/accurate account and inquires please delete it now XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
Account Number : XXXX XXXX XX/XX/XXXX {$0.00} XXXX Account Number XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX  XXXX Account XXXX XXXX XXXX {$390.00} XXXX XXXX, XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (RI)

At XXXX on XXXX I received an email from XXXX saying I had opened a new Truist Confidence Account, Truist One Savings, Debit Card and Digital Banking XXXX 

At the same time I received a second email stating the following : Hello [ similar but wrong name ], Thanks for enrolling in Truist Online Banking. You've taken the first step toward managing your finances- anywhere, anytime. 

A user ID was created and associated with your account ( s ) on : Date : XX/XX/2023 Time : XXXXXXXX XXXX ET If you or an authorized user made this change, no further action is required. 

If you don't recognize this change, please call us at XXXX. 

I called that number at XXXX. I said I dont have an account and asked if they could look up the account by email and I said no. They asked for my full social and I said no and they hung up on me. 

I received a third email Hello [ similar but wrong name ],, To start personalizing your debit card, just visit https : /XXXX  and enter the design code [ xxxxxx ] along with any other information requested.
Consumer complaint received 2024-07-04
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (WA)

XXXX XXXX I recently noticed you are attempting to collect the listed alleged debt. 
Please be advised that I hear by dispute the validity of this alleged dept listed below in its entirety. 
I further, I request verification of the alleged debt, specifically, a copy of the ORGINAL PURCHASE AGREEMENT. Said agreement must with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. 
Amount {$7700.00} I am requesting immediate deletion of all prior reporting made to any reporting agencies. 
You must Cease Collections efforts until the alleged debt is validated. You must show proof that you legally own this alleged debt and it accurate and complete. 
Sincerely,
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (CA)

On XX/XX/XXXX I had multiple charges on my account that I did not make, totaling {$820.00}. I contacted my bank on XX/XX/XXXX and filed a dispute with XXXX  XXXX XXXX, Money Network. They denied my dispute so I filed an appeal with proof that I could not have been present at the time of purchase as I was at work. They never contacted me and when I reached out they stated that the denial stands due to the purchases that were made, despite the evidence provided.
Consumer complaint received 2023-12-18
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (LA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Consumer complaint received 2023-12-21
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: ENCORE CAPITAL GROUP INC. (KS)

i have sent letters to both the debt collection company as well as the reporting agencies. neither company has responded providing information requested. cease and desist has also been ignored as the information has continued to be reported, having negative effects on my report. within my attempts at resolution, i have also challenged wether the data meets compliance standards. why is this data not being reported to all major credit reporting agencies? the information needs to be deleted and i feel that remedy from the effects of the violations is necessary from all parties invloved.
Consumer complaint received 2024-07-04
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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX  XX/XX/2024
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I have been disputing these accounts for months now and the accounts are still reporting. I have not received any information verifying the accuracy of these accounts. I also have an address that is listed on my credit report where I never lived. The credit bureau is saying the information was verified but I can't understand how this information is being verified when its not accurate.
Consumer complaint received 2023-12-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have tried to use a pre-paid Amex card tonight online. I ordered dinner. I put in all the info- the card number, the expiration date and the 4 digit code. It was declined. I tried to use this card at XXXX. Same thing. Declined. I check the amount online and it's active and there's money available. I think Amex has a scam goin where they don't make the cards usable even though they tout " cards can be used anywhere ''
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I believe the account is invalid. COMENITY BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COMENITYXXXX XXXXXXXX
Consumer complaint received 2024-07-04
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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXXXX/XX/2024
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

Realized today that my auto payments for my Jordans TD Bank credit card have not processed for XXXX and XXXX Called customer service who advised me that due to a returned payment on my account in XXXX ( totally my fault ), I no longer qualify for auto pay. 

I was in no way notified of this, my account still shows auto pay turned on, there is no notification on my statements which still indicate auto pay is active, and Ive gotten nothing in the mail. 

How am I supposed to know that I can no longer use auto pay? Now I have XXXX late payments on my account. This is incredibly bad business and is setting people up for failure. On top of that, the horrible attitude I received from both a phone agent and her supervisor was completely uncalled for. I work in customer service and would be fired for speaking to people like that.