davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

This is in regards to existing complaint case no. XXXX, which was filed on XXXX. The companys response was unsatisfactory and incomplete yet I today ( XXXX XXXX ) received notification that my account is now delinquent, despite my repeated attempts to contact Comenity Bank and receive any means of logging in to my account. I have relocated abroad and have made every attempt to contact Comenity via email, social media, and complains to no avail. And now my superb credit score has been impacted significantly by their inaction and failure to communicate. This is unacceptable and jeopardizes my ability to continue my student loans abroad.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Pursuant to the Fair Debt Collection Pr actices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent Transunion a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, Transunion, XXXX must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. 

I sent a copy of all three credit reports to XXXX, Transunion, XXXX showing and where each agency is reporting different information, which makes the information inaccurate. 

Please see attachments for accounts in questions and for details. 
After Transunion received my valid proof of information. I received a letter showing deletion of all the accounts, but XXXX XXXX XXXX and this account is still reporting inaccurate information between bureaus. 

Please note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The two accounts below are paid off. 

XXXX XXXX Last reported XX/XX/2019 {$2400.00} XXXX XXXX Last reported XX/XX/2019 {$890.00}
Consumer complaint received 2019-02-14
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)

In XXXX, XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XXXX, XXXX so I asked my sister to add me to her XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit. 

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

The Complainant was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited the Complainant to invest substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All such transfers were made through the Complainants wallet hosted by Coinbase. 
The Complainant considers the beneficiary wallets being an integral part of the fraudulent scheme behind XXXX XXXX XXXX. The Complainant also know that under the so called travel rule, XXXX XXXX XXXX XXXX ( XXXX ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including which is the hosting exchange ) and/or if the beneficiary wallet is unhosted. Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet-holders, the Complainant addressed a relevant request for provision of information. Such letter was solely based upon the assumption that : ( a ) Coinbase should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX compliant as it declares and advertises ) ; ( b ) neither part of the requested information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) the complainant has justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto-exchanges that possibly hosted wallets, to which the complainant made transactions. Unfortunately, Coinbase has not provided any response to the complainant 's justified request. By ignoring the request, Coinbase failed to provide the required information about the XXXXs hosting the beneficiary wallets, where the complainant has made series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information. On its own, this hinders the consumer to make feasible use of its protected legal rights.
Consumer complaint received 2022-12-25
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-25
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. (PA)

I called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect information.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a Capital One Customer for over 16 years. Over 16 years, I have never made a late payment and have been a loyal customer. I have requested several credit line increase requests. However, Capital One has purposefully used 60 to 90 day old credit bureau information to deny my requests ( see the attached screen shots ). I have called Capital One and was told they don't care and can't do anything about it. I made requests on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ( see attached screen shots ). Each time, Capital One used credit bureau information from XX/XX/XXXX ( 60-90 day old info ). My credit score was 100+ points higher on the dates of the credit line increase requests. However, Capital One purposefully used old information to deny my requests. 

I made another Credit line increase request on XX/XX/XXXX. Capital One declined my request this time and claimed a " payment was recently returned ''. I have been a loyal customer for 16 years. Furthermore, Capital One claims the payment I made was returned because the payment was made using a checking account with an incorrect account number. I have made 50 or more payments to Capital One in the past 12 months and have never had a payment returned. 

Capital One is discriminating against me for some reason and purposefully using old credit bureau information to deny requests and trumped up reasons of a " payment returned ''. Capital One is a horrible company for treating a 16+ years customer this way. Horrible, Horrible company!
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

I have banked with wells fargo off and on for over 20 years. Anytime our account overdraws they switch around transactions so a more expensive transaction goes through first then add overdraft fees to more transactions because the smaller transactions aren't able to be covered. My app indicates the correct order as I process transactions but changes once they move things around. 

They claim that they post to the account in the order received from the vendor.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

During the past years with PayPal Credit and Amazon before Synchrony Bank combine the payment process, I always paid my account out to a XXXX balance each month by the XXXX. However, now Synchrony Bank has employees to take both payment simultaneously with the same representative and payments are " lost '' or misappropriated to the wrong accounts. Now between XXXX to XXXX, 2021, {$220.00} worth of payments are lost. 
My money has been transferred from one account to another. I have requested almost 10 times on a recorded line that the calls be pulled between XXXX through XXXX, 2021 to see exactly what I stated and how my payments were processed. I have spend over a hundred hours out of my recent days attempting to address this. I am an honest person and good customer. My account has never gone into collections. However, I do not have {$220.00} to give away.
Consumer complaint received 2020-03-04
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. (CA)

Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXX, Perhaps I am too wordy when i write and that is what takes you off point so let me be direct. 

On the three XXXX cards. 1 out of the three is 23 years old and you have been trying to collect on this. It is a 23 year year old identity theft credit card and you are still trying to collect on this up until last XXXX Why?? The other two XXXX are almost as old and you were trying to collect on them up until XX/XX/XXXX. Back in XXXX XXXX XXXX and I spoke and she was sent a letter sent to her, the FTC Affidavit and the XXXXPD report. So you knew that this was identity theft .Yet you continued to report me like I was some deadbeat. You knew I owed no money on these cards yet you continued to try and collect on them until XXXX of XXXX. Your company has never reported anything correctly keeping the damages rolling forward and growing larger. You have caused cumulative damages by the way you have reported me and yes there were double reporting on the same card in the same year. 


How are you going to fix this?? 


Next is LVNV XXXX XXXX. 

Please tell me how you are collecting on a credit card that is not mine? You are collecting on a credit card ending in XXXX. My credit card arrived and was activated in XXXX. By XXXX my card was cancelled you can see this on the statements I have sent. So again my question is how can you collect on a card XXXX and then switch to XXXX? And no matter how XXXX tries to explain it, it makes no sense. I am not the owner of XXXX. any charges related to XXXX are the person who owns this card go find them its not mine. My card XXXX arrives and is activated in XXXX. New cards come with a XXXX  balance last I checked. Mine arrives and the balance from XXXX and all the late charges and fees are dumped onto my card. SO my XXXX never has a XXXX  balance ; it arrives with charges. I don't use it and never charged a XXXX to this card so it should have remained a XXXX  balance. And the card is shut down in less than 4 weeks. XXXX says but the company made these adjustments '' yes but that never got my card that I owned for a month down to a XXXX balance and the company continued to smash our cards together so it's a mess I agree with you there but look at the statements and it becomes very clear that a mistake was made and I owe nothing. But once again you report me as a deadbeat you call harass, phone the neighbors are very difficult to deal with. I don't know if you just don't want to be wrong? I am not sure what LVNV Resurgents issues are but me being in this mess is not a place I care to be
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (RI)

I am a victim of identity theft and in 2019 I requested that Equifax block certain information on my credit report in accordance with the FCRA - they complied. However, Now I have a code on my credit file status " Fraud Victim ( associated with trade ) ''. This is not an initial fraud or extended fraud alert. It is something else and I will attach my report to show you. 
This Credit File Status makes it impossible for me to even get a a bank account. My report does not list any normal fraud alerts just this odd status.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NC)

Source Receivables Management continues to update a previous debt that was already paid to the original debtor which was XXXX. I have not conducted any business with Source Receivables Management nor do I owe or have ever owed them any money. Source Receivables Management has the debt status " closed '' and it should not be on my credit report at all. Last update was on XX/XX/2020 this needs to be deleted.
Consumer complaint received 2022-01-28
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: AMERICAN EXPRESS COMPANY (WI)

My wife XXXX XXXX opened up a new American Express XXXX airline credit card. She received an offer to make a referral and get XXXX points. It said if your friend is approved they will receive XXXX XXXX XXXX and you will receive XXXX XXXX sky miles. My wife sent me a referral and I applied for the card as well. We plan to get back into traveling and wanted to have an airline card in addition to our XXXX American Express card. I was approved in XX/XX/2021. My wife also received the referral bonus miles in XXXX. I adhered to the required spend to get the XXXX miles but I have not received the miles. We have contacted American Express and they said I was not approved for the offer. I never received any correspondence indicating I would not receive the welcome offer bonus of XXXX miles or I would not have went forward with opening up the credit card. I have the email indicating I was approved and there was no communication regarding not being eligible for the welcome offer nor was there any further correspondence regarding this either. I have contacted American Express they opened up a case and indicated that has been escalated to management ( reference XXXX XXXX XXXXXXXX ) but it may take 30 days or more to resolve. I shouldve received these miles months ago and we were planning some upcoming travel and were hoping to use the miles. We are very loyal American Express customers with outstanding credit scores. this has been a very disappointing experience.
Consumer complaint received 2021-07-28
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: Strategic Alliances, Inc. (NJ)

In XXXX I sent First Financial Asset Management, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my XXXX credit report. They are violating many of my rights as a consumer.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (HI)

I paid off my Auto Loan ( including overage ) with Gateway One Lending on XX/XX/2020. Gateway One indicated they would have the over-pay amount ( approximately {$1300.00} ) returned to me in 30 business days or less. Gateway One was purchased by Santader Bank in the interim and as of today XX/XX/2020 I still have not been refunded my over-pay amount for the vehicle. Due to the company take-over Gateway One customer service is no longer available for contact and all calls are forwarded directly to Santander Bank. I have spoken to representatives at Santander Bank 3 times with ZERO indication of when or even if my over-pay balance will be returned to me.