davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( Experian , XXXX and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from Experian, XXXX and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, Experian and XXXX ) have yet to remove this erroneous information from my account.
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

I am attempting to connect to my account through a third party app ( similar to XXXX ), but keep getting a message that XXXX is blocking me from enabling external applications. I called customer service and was told that they do not block any apps.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TN)

XX/XX/2021 capital XXXX sent inaccurate information there is proof my account was XXXX through bankruptcy and I received my title and dont owe any money they said they would delete from credit bureau I spoke with deep and another rep I cant remember his name the Transunion has been deleted they have broken the bankruptcy law by reporting this amount after being XXXX from bankruptcy and title received I will be filing an complaint also with the attorney general and I have emailed XXXX XXXX XXXX requesting this to be deleted due to reporting inaccurate information ... ... Victoria Secret has provided proof I dont have an account with them
Consumer complaint received 2024-03-22
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. (SC)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (PA)

I received a promotional offer for {$200.00} statement credit if I applied for Barclays MasterCard through Carnival cruise lines. I had trouble on website and called Barclays and Carnival on XX/XX/XXXX. They confirmed that they were having issues with connection. I completed transaction and woman told me shed Rush  card at no charge. I received card on XX/XX/XXXX and contacted Carnival to switch balance as I was instructed by Barclays representative to receive statement credit. I made purchase within 90 days as explained to receive credit. I called Barclays back on XX/XX/XXXX to advise I didnt receive credit. Spoke with supervisor XXXX operator # XXXX which I think she lied. She refused to give statement credit as promised and also refused to play tapes back of my conversation when I asked. She flat out said theyre not going to play the call back. I told her then why record conversations for quality assurance. I told her that I was told Id receive the {$200.00} statement credit as long as I made purchase within 90 days even if purchase was a dollar. I was told Id receive points on XX/XX/XXXX when my statement closes. I explained that this is not what promotion was that its supposed to be statement credit. She again said about points and I ended my call. Dont trust Barclays!!!!!
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I have not been able to get a job, i have not been able to get approved for credit. I have not even been able to get approved for a XXXX loan in these hard times during this pandemic.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX XXXX around XXXX in the morning, I went to a Capital One ATM located at XXXX XXXX XXXX XXXX in XXXX, Virginia to make a cash deposit of {$1000.00}. As usual, I inserted my bank card and deposited XXXX ( {$100.00} ) dollar bills to the machine. The machine sounded like it normally does when you deposit cash to the ATM machine. This time, however, the machine was taking much longer than usual and for about 5 minutes I continued to wait in hopes that I would be able to receive a deposit slip. After 5 minutes, the screen went black and did not receive any confirmation nor my bank card back. Immediately I was concerned and went inside to speak with someone in the bank. 
I was informed by a bank teller that they do not have a key to that ATM and was instructed to submit a claim. My claim ( # XXXX ) for my account ending in XXXX was submitted. 

Over a month later on XX/XX/XXXX, I received an email reply stating that my claims has been denied. Their reasoning is that their review of ATM systems do not show a record of a deposit into your account at the ATM terminal. 

This is completely unacceptable and I'm very concerned and upset about this matter for the following reasons : 1- My money was inserted into the machine so how could {$1000.00} dollars NOT be accounted for? 
2- Not only does the ATM stole my money, but it also stole my bank card 3- They should have camera surveillance of me inserting money into the machine 4- They are adamant about helping their customers with fraud, however, they are the ones robbing me of the {$1000.00}! 

Please, I urge you to help me in getting my {$1000.00} and bank card back. There should be no reason why they are not able to locate my money in the machine. 

Thank you so much for your help and please let me know if there is anything else that I can provide to get this matter resolved. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am currently in XXXX XXXX bankruptcy as of XX/XX/XXXX. I am filing this complaint due to inaccurate information being reported by Experian in regards to my XXXX XXXX XXXX account. I have contacted Experian several times regarding inaccurate reporting of this account. I have also contacted Conns regarding late payment XX/XX/XXXX and CO ( charge offs reporting every month after my Bankruptcy was filed ) and they have assured me that they didnt report any of this. This has significantly lowered my XXXX XXXX. Experian is showing that this account was Charged Off, this account was never Charged Off and is currently being paid through my XXXX XXXX Bankruptcy, therefore, this is inaccurate information. 
This account is also showing monthly XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and a late payment in XX/XX/XXXX, after the account was already in bankruptcy repayment as of XX/XX/XXXX.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding LLC And Resurgent Capital Services Dates of XX/XX/XXXX - XX/XX/XXXX Reports inaccurate Information regarding Debts Non Confirmed nor Verifyed. 
Also Resurgent Capital Services. Employes Deceptive Tactics towards Me Such as Harassing Calls From Restricted Phone Numbers that have no call back number. 
& Robotic unsolicited text & calls. Even if blocked. Also call 7 times in row in one day from Automated Phones.
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I received a notice of taxes not paid for 2020 ( school taxes ) I called freedom mortgage on XX/XX/XXXX to let them know they had not paid my taxes for 2020 even though they had taken it out of escrow. A week later I called them back to check on the matter and they said to call back XX/XX/XXXX. So i called back and had to talk to 8 different people until i could find someone willing to look into it. In the mean time I also called XXXX tax office and found out that freedom had sent a check in XXXX for the wrong amount so the check was sent back and they never put the money back into my escrow account and never resent the proper amount ... the original charge was XXXX cents they only sent a check for XXXX and when it was sent back never fixed the issue. They dont seem too concerned with helping me and now the tax bill is over XXXX this is so.embarassing for me. I have never been late on a bill ... also very stressful because where is my XXXX? I really need help with this matter thanks so much
Consumer complaint received 2021-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 4 months and I still haven't received a response.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.
Consumer complaint received 2021-03-04
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 (AL)

Bbva has for the second time erroneously charged my account for NSF FEES. On XXXX my account balance was XXXX I withdrew XXXX afterwards my valence then said I was overdrawn XXXX. That was the last time I used my card. When they processed all of my pending charges. They processed the XXXX first resulting in a XXXX charge for 5 transactions that were from previous days. I spoke with a customer service representative XXXX rep number was XXXX or XXXX Who said he had located the errors and who also stated I was correct.he said he would reverse two of them as a courtesy. This is not acceptable this is intention on the banks behalf to collect fees. I want all the erroneous nsf fees reversed and credited to my account
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was directed to annualcreditreport.gov which sent me to FTC consumer mationinformation wed site, free credit reports, which then directed me to thelink annualcredit-report.com, clicked on request your free credit report XXXX XXXX took me to XXXX clicked on request your free credit reports, which took me to XXXX filled in all my personal information as well as XXXX, & clickedon NEXT ; this is what I got instead of my credit report : There is no Action mapped for namespace [ XXXX ] and action name [ null ] associated with context path [ XXXX ]. 
XXXXSo now I 'm wondering if this website is a scam, and I 'm afraid someonehatched my information. Whose website is this that your agency is send-XXXX me to. Can you please explained to me what happenedhere. Many people are directed beside myself to this website! 
Thank you for your attention to this grievous situation.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX  are reporting incorrectly a current balance due of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The full balance was paid by the dealer XXXX XXXX XXXX XXXX XXXX and therefore there is no outstanding balance to report. Please see items highlighted in yellow on the pages attached clearly stating this was paid by dealer. XXXX is reporting correctly. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (SC)

Franklin Collection Services XXXX I called the company on XX/XX/2021 as I noticed the collection on my report to advise that it was not mine and I had no knowledge of account services in my name. I was advised to send an e-mail and to dispute online. I did those two things and filed a report with fcr. Account is still in dispute and investigating on all three credit bureaus.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

all credit agencies reporting fraud, under age during time account opening and outdated accounts not my mines and never done business with companies : " DISCOVER FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX '' ... .REMOVE ALL FROM FILE ASAP
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (NJ)

I would like to complain about Binance.us. My account was hacked yesterday on XX/XX/2021. Password, phone number and XXXX verification were changed. On account with Binance.us I have {$21000.00} USD. For my understanding I lost these money because Binance.us did not do anything to help me with this fraud. Multiple tickets did not helped me to retrieve my account. Nobody from Binance.us have contacted me. They don't have a phone number or chat only a ticket submission which did not help. Please investigate this issue and hopefully I will recover my money and account. 
Thank you.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AL)

I have repeatedly been contacted and verbally harassed by impact receivables in regards to an account that my husband paid off. The collection agency XXXX XXXX was paid by my husband and a new collection agency has repeatedly contacted me after I filed a dispute with XXXX XXXX and told the collection agency that this debt was paid. The representative that talked to me in a disparaging manner was named XXXX XXXX. We sent information to her place of employment National Credit Systems that XXXX XXXX was paid the debt that was owed to XXXX XXXX. I would like for Ms. XXXX to be reprimanded for her grotesque behavior when handling this case for me.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

This is a formal complaint against Experian located in XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (OK)

I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical. I never received any information about the debt.
Consumer complaint received 2021-03-04
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 (GA)

I took a trip to XXXX in XXXX. The hotel placed charges on my credit card that did not belong to me and when I contacted them about the issue, they confirmed in writing that the charges were for another couple. I disputed the charge with Capital One and provided that letter as well as the correct billing for my room and services which were paid for using another credit card, however, they claim that I did not provide them with the documentation that they requested and that they would be reapplying the charges that belong to another traveler to my credit card. This amounts to fraud on the part of the hotel and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.