davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

On  XXXX  of  XXXX , when I visited   XXXX   XXXX   in  XXXX , GA, I agreed to receive their services and to finance the amount of {$2300.00} at a 0 % interest rate. In  XXXX  of  XXXX , I was charged {$680.00} of accrued interest. That is a substantial amount. At no point during the consultation with  XXXX   XXXX , the  Manager at that Ideal  Image location, was I told that there would be an expiration date for the 0 % interest rate or that it was even a promotional offer. I have reviewed the entire contract and nowhere on it does it state the offer or expiration date.   I have always tried to make more than the minimum amount due each month but honestly, knowing that I was not accruing interest gave me the peace of mind to make higher bill payments elsewhere. I believe it is improper for them to tell me I am being financed a product at 0 % and not tell me it is for a period of time only. If that would have been the case, I would have paid off the credit line by that date or not taken the credit line at all. I have reached out to Comenity Capital Bank and wrote a letter to dispute the accrued interest charges and also attached copies of the contract I signed which support my position. They have not been very helpful during this process.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohls refuses to apply a credit receipt to my account in the amount of {$70.00}. See attached credit receipt and the current account history. I've tried three times to have an agent assist me, to no avail. The third time, I requested a supervisor and was abruptly disconnected.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent a request to Experian for verification on information reported in my consumer credit report pursuant to the Fair Credit Reporting Act ( " FCRA '' ) by providing me with a copy of the original agreement with my signature for both ( 1 ) XXXX XXXX XXXX with a balance of {$780.00} and, ( 2 ) XXXX XXXX collection accounts. However, it has been more than thirty ( 30 ) days since my request and I have not received the results,  requested documents, an updated credit report, or a confirmation that the request was received. I called Experian today and, per my phone call they have yet to verify XXXX XXXX and allegedly sent the results for the investigation on XX/XX/2020 but, I have not received any correspondence from Experian whatsoever.
Consumer complaint received 2022-12-06
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-11-24
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: EQUIFAX, INC. (FL)

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 XXXXXXXX, ( XXXX XXXX XXXX : XXXX, XXXX, XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-11-30
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: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXXXX/XX/XXXX. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research itemsI found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NV)

In  XXXX    XXXX   we contacted  XXXX   XXXX  to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager  of the local office,  XXXX   XXXX  got involved he personally had technicians come out and get our services up and running. This took a total  of 7-8 wee ks of frustration and consistent calling on our behalf to get it done.      XXXX  gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all.     They are attempting to collect the " outstanding balance '' and uses  XXXX  to come after us for it. After we detailed the trouble we had the first two months with  XXXX  they refused to continue collection efforts.  XXXX  now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

This letter of complaint is regarding the issues I am currently experiencing with Truist bank. These matters have grossly affected the funds of both my XXXX XXXX, and the clients my agency serves for fiduciary and guardianship purposes. My statements below are a brief synopsis of my reasons for submitting this complaint against Truist bank. I am in high hopes that by filing an official complaint with your corporation that the following issues will be effectively resolved in a timely manner, as Truist has refused to do so despite being aware of the situation. 

On XX/XX/2023, I was informed by several of my clients with closed Truist bank accounts that they had received checks from Truist to be cashed. I immediately advised them that the checks were not to be cashed as I had their accounts closed several months prior. Following the advisement to my clients, I contacted Truist via email and phone calls to local locations, the customer support center and fraud department for several weeks requesting this error be corrected as soon as possible. The only response I received with every contact made was that the issue would be looked into. In XXXX the same error was made in which clients received Truist checks from closed accounts. During this time Truist also drafted my agencys business account to issue checks on closed accounts. I again, reached out to them several times seeking rectification and was told I would have to recoup the unauthorized funds from my clients. During the month of XXXX, the same issue occurred again. Clients received checks from closed accounts and my business account was drafted for these funds which left the account over drafted, compounded with fees and in the negative. 

To date, Truist has not resolved the issue that is causing checks to still be distributed from closed accounts to my clients, and my business account being drafted for these unauthorized funds. I hope that your corporation will be able to assist me with a timely resolution so that I can continue to operate my organization without the distress of unwarranted transactions taking place from both closed client accounts and my business account.
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (LA)

I 've contacted  XXXX  and Equifax on multiple occasions and they insist on giving me a hard time. I 've had absolutely no problem with  XXXX  disputing and deleting credit inquiries that were fraudulent and unauthorized. I dont understand why its so hard for these other  XXXX  credit bureaus to address and correct the concerns of the consumers. I know they are in the business of making money while our credit is destroyed but its just not right. I did exactly what I was told to do. I contacted each creditor where these inquiries came from and they told me that I have to contact the credit bureaus. I thought it was the credit bureaus job to dispute and investigate any errors that are on my credit report. If im telling you I was a victim of fraud why would n't they look into it more than they do? If   XXXX    can do it, im sure  XXXX  and Equifax can do it also they are just refusing to be accomadating. Ive called many times because I had names and addresses on my credit report that werent mine. I had  XXXX  different social security numbers on my   XXXX   report and they updated my info and removed the inquiries with no problem. Someone need to investigate the unethical practices going on with   XXXX   and Equifax.   The FRAUDULENT inquiries are as follows ;  Equifax  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
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  XXXX, XXXX IS A DEBT COLLECTOR, WHO IS ATTEMPING TO COLLECT ON A DEBT THAT MY INSURANCE XXXX  AND XXXX SHOULD HAVE HANDLED. THEY ARE CLAIMING I OWE THEM XXXX, OF WHICH I AM NOT RESPONSIBLE FOR. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM THES SCAMMERS. I WANT THIS TO REFLECT THAT I AM DISPUTING THIS ACCOUNT. I WISH FOR THIS COMPANT TO STOP TRYING TO CONTACT ME FUTHER.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TN)

I have an account with Affirm that was paid off on XX/XX/2023. I have the proof. I called the company. They did not remove it yet they were reporting every 30 days before I paid it off. I disputed the account with XXXX twice and even gave them the proof and they came back with the creditor has verified that the account is accurate. Which proved that XXXX paid no attention to what was sent to them. I then called Affirm again and they still refuse to remove it. SOmething about 60 days. It is now XX/XX/XXXX and it's still not removed. The payment is affecting my dti and the information on my credit report is not accurate. XXXX did not do its job and neither is Affirm.
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (GA)

I have a private loan with sallie mae. I fell behind because I lost my temp contract job. When I initially called to explore options, they wanted me to pay {$50.00} for forbearance application. I explained that I did n't have {$50.00}. They told me to borrow the money or they ca n't help.     Since then I paid {$600.00} and then called again to explain that my temp job ended ahead of time. They keep harrassing the cosigner despite being told that the cosigner is  XXXX  and had no source of income.     In an effort to get them to stop the harrassing, I asked them to call me rather than the cosigner. When they refused, I told them not to add my number to the system. They refused and now they 're also harrassing me.     I ca n't make payment without a source of income. I also have loans with other companies who have been more understanding than this greedy company without any compassion whatsoever.     I gladly pay my monthly bill when I was working . 2 yrs wi th no problems. They 're welcome to keep harrassing me but the fact is they wo n't be getting payment until I have a steady job. Threatening to ruin my credit history was also a nice touch.     I just want them to stop calling my mother all the   XXXX   time.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my Consumer Report and under 15 USC 1681 a3. You guys assumed this role without permission, not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-11-30
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. (MI)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI 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 {$10000.00} XXXX XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Chapter XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 {$25000.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

It's been since last year XXXX and this year XXXX that I have been speaking with the representatives at Equifax about correcting my last name, taking off addresses that I have never lived at and as well as correcting my Divorced last name to my Re-married last name. 
every time I call they tell me I have to wait to keep checking back, why do they work for Equifax if they can see in their system if customers information is being updated or in the process of being updated. this is very frustrating, I give my Social and they still say they cant find me in the system when they had me in the system before. The sad thing about it is after I called back a XXXX time there was a lady who was looking at what i was looking at online in my account and was very helpful and explained that they have no access to change my information & that I would have to send in my driver License, social Security Card, and a letter stating that I have no score and that i need my information updated and to gain access to my Equifax and to unfreeze my account for the XXXXXXXX XXXX  so I can make payments. but unfortunately they been having my information going on XXXX  months now. I was told to mail my information and the letter to this address Equifax Dispute Dept XXXX XXXX XXXX XXXX, XXXX XXXX In need of answers and for my Equifax to be updated
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

I received 10 calls in one day with a total of 12 calls. Two were XX/XX/XXXX and 10 on XX/XX/2023. I called the representative back at one main asking for a corporate number to discuss. She informed me that the system was on auto dial and shows she only called once on her end at XXXXXXXX XXXX. I informed her of my concerns and they need to have this checked since the auto dial called multiple times and I let her know I would be submitting a complaint. At this time, I would like all correspondents going forward to be by mail only. I am no longer to be contacted by phone as this is intrusive and during my work hours.