davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (UT)

* I opened an account with FOREVER 21 clothing store thru Comenity * I made the first payment at the store because I could not set up an account online * In the process of trying to get the payment made, it then became late * At this point I called in and made the payment with a live person so that I could confirm that the balance was XXXX after I made the payment, that the late payment WAS paid with that payment I just made, and I so I could receive a confirmation #. This payment was made on XX/XX/year> ( a full 15 days before the due of XX/XX/year> ) * I received a bill stating that I owed {$3.00} ( this bill has a due date of XX/XX/year> ). I called today, XX/XX/XXXX, for customer service at XXXX to find out how I owed {$3.00} with no balance showing. 
* The automated system for FOREVER 21 confirmed the payment amount and date received, then said my current balance owed was now {$6.00}. The first customer service rep I was talking too confirmed it was for INTEREST ; then " disconnected '' me while he was checking on why it was charged ; although the line was still open, there was no one there. I called back, got to another XXXX rep, she then told me that I owed {$9.00} and that it, again, was for INTEREST. She was not in XXXX so I asked for someone higher up. 
* I was transferred to an American based center, and that rep confirmed again that the balance owing was for INTEREST, went over again my options to make the payment, ( because at this point I just wanted to get the balance PAID OFF and close the account ), but now the balance was {$12.00}!!!!!!!!!!!!!!!!!! Forget that it's extortion, because it was charged for INTEREST, as confirmed by every representative, they have violated their contracted amount for interest charges, and how often interest is charged.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

In XXXX of this year, I contacted Bread Financial, formerly Comenity Bank, regarding some accounts that I previously had with them. The accounts were not in collections, but they were showing as delinquent. I asked if the accounts were eligible for settlements, and I was told that they were. 

I made payments on all five of my accounts ( XXXX XXXX, XXXX Victoria 's Secret Pink, XXXX XXXX XXXX and XXXX XXXX ), in order to settle the accounts. Per the documentation that Bread Financial/Comenity Bank gave me, they did not update my reports according to their agreement. My credit score has plummeted because they have been reporting the accounts as delinquent.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

We had a joint checking and savings account that were closed by Citibank.. 
We received ae email notification ( XX/XX/2024 ) that the accounts were going to be closed in two months after the notification and effectively they were closed. Following that, we received a check for the balance of the checking account on ( XX/XX/2024 ). However, the check for the balance of the savings account ( {$31000.00} ) was not sent. We called the bank several times but were only told that the account was being investigated and that no further information can be given to us, no time frame or contact person. It's been a month an a have since the account was closed.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I open the account with {$1500.00} cash they close the account the following day I requested to get my money from the bank the same day they closed it. They refused to let me get my cash out the bank. They stated that they were going to send a check I asked for a confirmation That the check was going to be sent. They was unable to provide that. 14 business days later no checked has been received. And now I have I have to do a declaration of loss.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My XXXX XXXX  was the name on the property insurance policy for the home that I am living in and pay the mortgage and escrow for. This past May USAA allowed my XXXX XXXX to cancel that policy, backdate the cancellation of that policy to XXXX of 2023, and issued him a refund of {$1500.00}. I had to secure a new home insurance policy and it put my escrow account into a deficit. USAA has now taken the amount that they refunded to my ex husband from my checking account. I had already spoken to USAA about the insurance policy cancellation and I got different answers. The last phone call I had made to them, one of their service representative was confused as to why they backdated the policy and stated they dont do that. They refunded the money to my ex husbands bank account when they did this which is completely separate from me. They told me that everything was settled and the balance was not actually due for the new insurance policy that I had gotten in an emergency to avoid a lapse in home insurance coverage and I canceled that policy when I bought a different policy from a different provider the week after this happened. I never authorized this payment and I was never informed of this debt.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XXXX XXXX  2024, I set a travel alert on my account as I would be traveling in XXXX until XXXX XXXX 2024. I attempted to use the only card Ive ever been sent and the card was declined. I called Citi to understand what the problem was as I had set the notification of travel. I was told that I was using an old card and that Citi must have sent me a new card via mail at some point. I checked my emails and was never send info on a new card nor did I request one. I was told another card would be sent. I then went into the app and was able to load my new card onto my XXXX XXXX. I then attempted to use the card via XXXX XXXX and was declined again. I called the fraud call center and was verified and was able to make a purchase for XXXX euros. I then attempted to use the card via XXXX XXXX for XXXX euros and was declined. Called the fraud center again, this time was told I needed to be at work for me to be verified, I have no idea what this means nor is it appropriate to ask someone to do personal business at work. Regardless, I work XXXX and this would not be an option. I hung up and called back hoping to have someone with more experience, Im then told that the only option is to have a letter sent to my home because they can not verify me. Mind you, I have given my social, secret password, Im calling from the number on the account and was able to verify the previous two times I called with my external checking account number. Which again, this is all unnecessary because I set a travel alert from the beginning. 

Lastly, for the record, this is now the second complaint I file with this company about this credit card account for the same reason.
Consumer complaint received 2024-09-09
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. (NY)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$25000.00}
Consumer complaint received 2024-04-26
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)

I HAVE AN XXXX XXXX XXXX  AND HER NAME ( XXXX XXXX ) ALONG WITH HER ACCOUNTS ARE REPORTING XXXX AND EXPERIAN CREDIT BUREAUS. 

THE ACCOUNTS ARE LISTED AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN CONTACTING XXXX TO CORRECT MY NAME AND SENT THEM PROPER DOCUMENTATION VALIDATING MY IDENIFICATION AND THE ISSUE HAS NOT BEEN RESOLVED.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Acct # XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXX XXXX Acct # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX. XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit 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: GOLDMAN SACHS BANK USA (NJ)

I have been trying to resolve a dispute ( XXXX ) with a merchant through Goldman Sachs since XXXX of XXXX. This is the second dispute that I have done with them in which there are clear reasons to win my dispute. The most important - non receipt of the merchandise or a return of the merchandise. I've sent in the same paperwork - including the receipt of return over and over again. 

The first dispute I gave up on due to frustration and an increase in my XXXX XXXX. That was for {$100.00} and I never received my delivery. I sent proof from my postmaster general that this was not delivered to me. I was told that I lost this dispute. 

The next dispute and the topic of this inquiry is for {$600.00} and I will not let it go. I purchased a purse that was not only misrepresented in terms of authenticity, it was a different color. I submitted evidence of both. The seller threatened that I was attempting to steal her bag and that she would hire a lawyer if I did not return. This correspondence came through my dispute process. I returned the item. Presented return receipts. The seller has had the item since XXXX of XXXX  but Goldman Sachs is still unable to 'win ' this dispute. 

My reasoning for contacting you is 1. I have asked to speak with managers/ supervisors at Goldman Sachs to no avail. They won't call. They send me on a loop with account representatives that state they can't do anything more than submit the same dispute. I am intentionally being blocked from a higher level of support 2. I do not have this item and need help resolving this so that I can cancel my Apple Card ( managed by Goldman Sachs. ) I am terrified to use my card, so I don't. I am sure that I have a billing dispute they will never win it 3. I was told by a representative that this is a standard practice for this card and she has seen disputes go on for years. I do not want to be in this for years nor do I want to pay for something that I don't have - yet again- with this bank. 

Should you not be able to assist me I plan to take legal action against Goldman Sachs/ Apple Card XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had XXXX cards compromised as they were stolen and used by someone other than myself. I filed a complaint XX/XX/year> with both card issuers, XXXX being XXXX and the other being my USAA debit card. The person/people who took my card basically went on a shopping spree on my dime to XXXX XXXX for {$300.00}, XXXX XXXX for {$170.00} and several other stores. I was unaware until I went to use my card for my son, as the weekend it happened was his birthday weekend. I live nowhere near the facilities that were used and do not frequent any of the places these individuals used my card at. I was given a " provisional '' credit while USAA investigated it. Just XXXX weeks ago, XX/XX/XXXX, they came back stating that the charges were not fraudulent " based off the information that they had at the time of review '' and were being re-debited from my account again. I didn't even realize this had happened, as all contact has been digital, and nothing came in the mail. I didn't even get a phone call. These charges were NOT done by me and I am quite shocked that USAA would do this. I have been with them for almost 20 years and am REALLY rethinking this decision and will definitely be contemplating switching banks. Mind you, there was {$600.00} that was fraudulently utilized off my XXXX XXXX card by these same individuals which was credited back and never had to hear about it again. USAA has caused nothing but a headache and stress to this retired, XXXX vet.
Consumer complaint received 2024-09-11
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : Convergent Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rickart Collection Systems, Inc. (MD)

According to XXXX XXXX XXXX 's assertion I am allegedly obligated to pay a purported debt with them. the problem is I don't ever recall entering into any contractual agreement with this company or having a debt associated with this company The inaccurate reporting of this alleged debt is causing harm to my creditworthiness.
Consumer complaint received 2024-08-28
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-28
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.