davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

Upon discovery I noticed that Jefferson Capital Systems LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department XXXX XXXX to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that Jefferson Capital Systems LLC along with other company collecting on there behalf such as XXXX XXXX collecting without an active debt collector license required by the NC Department XXXX XXXX to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (IL)

I have been using apple products since 2006 I purchased the very first XXXX and I am a loyal apple customer For the past 18 years I have consistently been denied any credit whatsoever and every time I apply to XXXX less than XXXX dollars I am denied Apple claims that I have delinquency but I have no debt nor do I have any credit in my accumulated credit in my report my current available credit is XXXX because I have no credit whatsoever How can I build credit if I am constantly denied the opportunity to even initiate credit
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (OH)

I have a XXXX, XXXX XXXX and XXXX XXXX card offered through Comenity and over the course of the last few months Comenity has decreased the limit on all of these cards. Theyve explained this is due to negative credit scores and/or the total balances that I have compared to my limits on my credit report. I believe this is an unfair and abusive practice practice that causes me harm because reducing my limit without giving me a chance to reduce my balance, negatively impacts my credit score due to my total limits decreasing ; which increases my card usage percentage. I also believe this is unfair because it uses my credit score without reasonable cause to make new credit decisions even though my credit activity with the company is strong ( I.e on time payments, higher than minimum payments, etc ) Comenity should understand that while making this decision may seem like they are managing to credit risk but they are actually taking away their customers ownership of their credit score. I chose to apply for this card and also choose when I use it and how much I pay back in order to maintain a good rating. Comenity should also give me a choice in this situation BEFORE deceasing limits ; either by allowing me to pay down my balance or even close the account. I disagree that they should be permitted to use my external Credit score for new credit decisions after I have been approved but they could at least send a letter to the customer before they decrease and not after the fact because that is the fair and right thing to do. In addition, Comenity may even advise in their agreement that these activities may occur however these are internal processes that the customer can not reasonably determine when or if they will occur.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TN)

I have made a plethora of inquiries to Conn 's regarding a ln account that has been satisfied since XX/XX/2024. I have a clearance letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX! I can attach the letter I received form them! I am in The process of purchasing a home and in my last step this is still rendering me from moving forward! AS a result of this not being taken care of on Conn 's Appliance end I have been forced to sign an extra 4 month lease! I really need help with this matter!
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (TX)

The BridgecrestXXXX website lacks transparency. There is no way for a customer to view their historical loan balances nor the amount of interest paid. There is no monthly statement provided either. To my knowledge, I never received an annual disclosure or any kind of regular statement in the mail about my loan. All I was looking for was the ending loan balance at XX/XX/2023 and the interest paid for the year XXXX and that information was not available on their website.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (PA)

, I am writing to express my concern regarding the unauthorized reporting of my personal information on my consumer report. As a consumer, I am protected under 15 USC 1681a ( 4 ), which grants me the right to privacy. This implies that my non-public information should remain confidential per 15 USC 1681 ( b ). The unauthorized reporting of my information has violated my rights. In accordance with 15 USC 6801, the Privacy Obligation Policy, Congress has mandated that every financial institution has a continuous duty to respect its customers ' privacy and safeguard the security and confidentiality of their non-public personal information. It is my understanding that AFFRIM INC has not upheld this obligation, thereby infringing upon my right to privacy. The Financial Institutions Safeguards, as outlined in section 6801 ( a ), require each agency to establish appropriate standards for financial institutions under their jurisdiction. These standards pertain to administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records and information, protect against anticipated threats or hazards to the security or integrity of such records, and guard against unauthorized access or use of such records or information. I am deeply concerned that my non-public personal information has been reported to consumer reporting agencies, especially given the numerous data breaches these agencies have experienced. This is not only an inconvenience but also a violation of 15 USC 6801 ( b ) ( 3 ). 15 USC 6802 outlines the disclosures financial institutions should provide consumers before reporting any information to which I sent out a opt out letter certified mail on XXXX  ( aprox 20 days after this account was open ) formally requesting all my personal non public information not be shared as per 15 USC 6802 of the Gramm-Leach-Bliley Act to which went disregarded And it was place on my consumer report anyway to which is a Direct violation FCRA.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX I have recently checked my credit report and noticed some inaccurate accounts reported.
Consumer complaint received 2023-06-15
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: Southwest Recovery Services, Inc. (FL)

I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

Filed a dispute against 3 fradulant charges with Cash App on XX/XX/XXXX. I still have not received a provisional credit and when I ask about the status of my dispute the only answer I receive back is a statement saying there is a team working on my case.
Consumer complaint received 2024-02-12
Product: Credit reporting 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)

I am writing to dispute unauthorized and inaccurate inquiries on my credit report. I will appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 in accurate.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

" Please investigate and remove the fraudulent hard inquiries listed on my XXXX and XXXX credit reports, as they are not authorized and XXXX be affecting my XXXX XXXX. I have not applied for any credit or loans in the recent past, and I suspect identity theft or error has occurred. Please take immediate action to correct this issue and ensure the accuracy of my credit reports. ''
Consumer complaint received 2024-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX, I was scammed out of {$2000.00} through XXXX and XXXX by ( XXXX XXXXXXXX ) / XXXXXXXX XXXX XXXX ). On XX/XX/XXXX and XXXX, I contacted my bank, USAA, about the whole situation and they never told me the proper steps to take to get my money back. They just told me if the fraudulent check bounces then my account could go into the negative. My mom had to tell me to fill out a police report, disputes through my bank, and more. On XX/XX/XXXX, I did the disputes with USAA for the XXXX and XXXX ; the XXXX dispute was resolved but the XXXX charges they keep closing out. Literally, I contacted USAA 3 times in one day about why they kept responding with " there was no error '' with those fraudulent charges. USAA said they were waiting on XXXX to send a response which XXXX said they have my money on hold and waiting for USAA to send over a response. Then, USAA said it could've been miscommunication between them and XXXX or XXXX took too long to get back to them so they just closed out the XXXX disputes. USAA removed the credit they gave me while they investigated my disputes and sent my account into the negative as they were so quick to close my disputes. So I owed them money since they happily and hastily sent me into the negative and my mom had to give me money to get out of it. They never actively investigated or worked to get my money back from the XXXX charges and never treated me as a victim of scam. On XX/XX/XXXX, I reported them to XXXX XXXX XXXX and they took on my case and contacted USAA to get their response. USAA did not respond when they first reached out to them so XXXX  had to contact them again. Finally, they sent over a response that said " there was no error " and I clearly reported that I was scammed and they were fraudulent charges. On XX/XX/XXXX, I rejected their response and I am waiting to hear back from them! On XX/XX/XXXX, wrote to XXXX XXXX XXXX XXXX about this situation with USAA and I am waiting to hear back from them as i need someone to help me.
Consumer complaint received 2023-11-16
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)

These items have been hurting my score significantly and I need them removed asap. These negatives items are stopping me from getting a house for my family. It's been far too long and nobody has helped me yet. Please get all of these items removed.
Consumer complaint received 2023-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed a charge with XXXX for which the merchant rebutted which was accepted by Capital One and they recharged my account for {$110.00}. XXXX said I had not cancelled a subscription. This would not have been possible since I had never applied for a subscription and knew nothing about it until I saw the charges on my credit card bill. Capital One argues that they can not approve my dispute without evidence that I canceled the subscription. This is an absurdity. XXXX submitted a list that apparently Capital One accepts as evidence that I had received additional car washes. I was at XXXX only once! I issued a complaint with the FTC about XXXX, but this complaint is against Capital One for a making a faulty investigation.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Global Lending Services LLC (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TX)

Affirm is reporting three accounts late/charged off on my XXXX credit report. These accounts were paid in full and were not charged off. These three accounts need to be removed off of my XXXX report immediately. This company has failed to show proof that these accounts were late despite numerous disputes.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ID)

Back in 2022 I got behind on my bill for commenity Bank for Victoria secret card. I call to make payment arrangements and tried to use my payment protection insurance I paid for. I was told by the gentleman on the phone I could not make XXXX dollar payments and they would not let me use my insurance to pay the account. They closed my card and sent me to collection for almost twice the amount and I could not pay payments at all even by calling. And before I got behind I was paying payment on the on the victoria secret app but they block access to your account if you are a day late and make you call and pay a fee to make a payment every time. I was sent to multiple collections agencies with out notice of bill transfer and the given a garnishment package without a court date to defend myself.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I had a promotional balance on on Overstock credit card that was due on XX/XX/XXXX. On XX/XX/XXXX I called into make my payment and choose the option to pay my balance in full. I did this and was provided a confirmation number # XXXX that my balance of {$610.00} was paid in full. I have now been issued a late fee of {$37.00}. I have called 3 times to ask for this to be removed and they say they can't do this as the account is closed. I spoke to Bread Financial, the parent company and they also refused to help. I am asking for a refund of the late fees and for my account to be looked at, as they didn't provide options for auto pay and made it difficult for me to make payments, so I also had other fees due to this. Thank you for your help.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank offering {$900.00} combined bonus for opening both checking and savings account. Followed all steps, using their links which say coupon applied, then met all requirements. Inquired why bonus had not been paid out on Checking and was told the promo code was never applied, and they cant retroactively apply it after 21 days. They are still offering the same bonus, but say they cant do anything. we went into branch for help as well, they filed a complaint but said they cant override it. They did it to my husband as well, who signed up and opened his own accounts. 

Please help, they owe us {$900.00} in advertised bonus and now wont pay it,
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (TX)

Cash App has opened multiple fraudulent cards in my name. They have closed the first account that was fraudulently opened, however they continue to open new fraudulent cards in my name. In my previous communications I have indicated I am not interested nor do I want to do business with them ever.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (WI)

Last night someone applied for credit under my name it was FRAUD -- the company Net Credit never took the time to send a text time or have measure to prevent this i called they told me to file a Police report -- -they should take better preventive security measures for this never to happen again -- -- -to anyone call the customer or send a text to see if it's them -- --- i will call on Attorney to find a reason for this never to happened again
Consumer complaint received 2023-11-14
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX