davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied and received a line of credit with Citizens bank. The closing took place on-line. I did not receive a copy of the contract at that time. The agreed interest rate was 4.25 %. The rate increased monthly to 7.5 % in less than four months. This clause was not explained to me. and still hasn't. The clause is very hard to understand without some sort of explanation.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (NY)

I was approved for a GAP credit card on XXXX, XXXX, 2022. It was approved by BarclaysBank. I was able to make a purchase two days after being approved for the credit card with no issues. Tried to make another purchase and was denied. I called customer service of the Gap. It was said that I had to contact the Barclays Security Dept in which I did. Was told that there was a freeze on my account due to them needing more personal information. I sent them the additional information that was requested. Which is the same information I submitted to them when I applied for the card. I received my first bill and wanted to make payment but was unable to because of the security block they put on my account. The system didnt recognize my info that was given in order to make payment. By this time another month accumulate with late fees and reporting to credit bureau. Which dropped my scores down to XXXX points!!! Which I hard knock!!! I called on XXXX XXXX, 2022 at XXXX to see why this was happening. I spoke with a customer service ( representative to see why this has happened. She replied, Oh they never took the block offf your account!!! So within two seconds removed the block off my account. She also stated whether or not the block is taken off the late fees still applies.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (NY)

ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

XXXX, equifax and XXXX are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to XXXX, equifax and XXXX and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, equifax and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX XXXX and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. 

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that XXXX, equifax and XXXX are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for XXXX XXXX XXXX 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act XXXX  U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX XXXX Account XXXX XXXX And Account # XXXX And Account # 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.
Consumer complaint received 2023-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (MO)

I went to XXXX for car repairs and couldn't afford it, so I was told it would be {$600.00} to pay off and that XXXX  ( the lender ) would take out {$50.00} every other week when I get paid. This started back in XXXX of XXXX. I was never told about the outrageous interest rate that is XXXX XXXX which goes far above the max of XXXX XXXX interest rate in XXXX I've been paying for almost 7 months now and they're showing I still owe around {$500.00}. When I did the math of what I've already paid, it's {$750.00}. This is unacceptable and predatory.
Consumer complaint received 2024-03-26
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (CA)

They keep reporting my account as a charge off for a lower amount. Then it shows the account is open and a payment hasn't been made since XXXX. Yet, they've withdrawn money from my bank account as recent as XXXX. Because I dint have access to an XXXX I can't login to my account and when contacting them I'm being told they can't verify my identity.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MT)

In accordance with the Fair Credit Reporting Act XXXX  # XXXX with Action collections services and # XXXX with XXXX of XXXX XXXX both have 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 a account without my written instructions.
Consumer complaint received 2023-10-12
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (IL)

Target has tried to deny this dispute despite the fact that on the recorded calls -- I was informed that a check would be mailed to the address on file once the payments have cleared. For this reason I disposed of the prepaid cards which DO NOT accept refunds. In other words, Target went out of their way to send money back to prepaid cards that can not accept credit after the initial load.

The issuing bank can not help as this is not their problem, but rather the issue that Target caused. I was misinformed and misled on several occasions and checked the mail daily for a check. I was told months later that the funds were returned to prepaid debit cards. 

If Target does not send a check for the balance of {$22000.00} to the address on file, I will have no choice but to move forward with litigation.

In early 2022, I opened a Target Redcard Credit Card. I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. I made a payment in-store via prepaid debit cards that do not allow credits after activation. My last payment was made in XXXX of XXXX  totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process XXXX individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This account was charged off XX/XX/2020. Then the report was repeatedly updated every month as charged off for 22 consecutive months in a row. A charged off account should NOT include an active payment history after the date it was charged off. This information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

This is about a foreclosure on a house and land for a finance loan through Nationstar for windows installed on the house. My mom paid this loan for over XXXX years not knowing they had her in a balloon payment where shed never pay it off. This property is XXXX XXXX XXXX, XXXX, XXXX XXXX. The company sold this loan to another company and the same thing. A few years ago they foreclosed on her home that she had built in 1969. We tried to find out who we needed to talk to to get the issue resolved and no one from either company came for court. We could never get in touch with anyone. The court just followed the paperwork not knowing who was actually behind. So, she lost her home and now still havent recovered from this. How can us small town folks get justice? I hope you can help her to get her home back.
Consumer complaint received 2023-10-12
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: Affirm Holdings, Inc (NY)

I made a purchase using my Affirm credit card on XXXX. The purchase I made is from XXXX XXXX. My purchase was lost during shipment and I was promise a store credit from XXXX XXXX, however I never received the store credit so I initiated a dispute with Affirm that failed to resolved my issue stating XXXX XXXX follow policy in which the company didn't due to Risk of lost on XXXX website. I haven't received a store credit or refund and Affirm is charging me for a purchase I never received.
Consumer complaint received 2024-03-26
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)

Your response has greatly angered me! How can you dismiss my request for help with my credit report as if it's unimportant? Your explanations are illogical, and it seems like you're completely ignoring my concerns. I am not playing games I genuinely believe I am a victim of identity theft. I have provided you with all the evidence like my FTC report and you are suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. Other credit bureaus like XXXX and XXXX have already removed the accounts from their records due to the inaccuracy of the accounts, and Im wondering why youre still reporting these accounts? Kindly remove the accounts from your records. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, 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 be investigated and DELETED for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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. (MS)

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 Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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 inaccurate.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I received an email invoice informing me from PayPal that I had an invoice requiring payment of {$540.00}. It also said if I suspected fraud the I should call XXXX. I did and they attempted to refund my money by me loging onto my laptop and on to my bank ( XXXX XXXX XXXX XXXX. They told me I filled out the form wrong and they transferred {$2500.00} instead of {$540.00}. I thought I did the form right, but they said I didn't. Now they wanted to get the remaining amount back by asking me to go to XXXX to get gift cards to total the extra amount that they sent and blamed me for not filling out the form correctly. (XX/XX/XXXXme ) XXXX was told to leave my computer on and to to XXXX. I went to my bank instead. They informed me it was a scam. The bank received a debit of {$440.00} from them. They are phishing. Pay pal had a small paragraph about not responding to this email.. but I didn't see it. XXXX XXXX was the name of the lady I originally talked to at this fraud connection with an account of XXXX XXXX. The funds taken out of my bank checking account was from XXXX XXXX ( XXXX ). from XXXX, which I never use. Bank Alert ID XXXX, referenced XXXX XXXX. I have a member ID also. I have closed my account and opened another. My computer was left on as they requested and they had access to my files, of which I am changing all passwords on accounts.
Consumer complaint received 2023-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (GA)

I owed XXXX XXXX XXXX and XXXX on the debt. In 2022 I paid off the sold debt to XXXX XXXX XXXX.. I received a hit against my credit from a new company for the same debt this morning from Radius Global Solutions. I did not receive any correspondence from Radius Global Solutions to discuss or review this information.
Consumer complaint received 2023-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have XXXX customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXX/Affirm/XXXX they just bounce me around and provide no help, just want me to pay for a product that was never delivered