davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

Good evening, I hope you can assist me with an unfair practice by Comenity Capital Bank. 


The XXXX XXXX credit card account was opened with a promotional deal of no interest for six months in XX/XX/XXXX if paid in full. In XX/XX/XXXX, I stopped the automatic payments as I made the final payment for one other purchase made in XXXX. I received a message that my bill was due. I was surprised and reviewed my XXXX statement ; the interest of {$750.00} was added. 
How could this be? The promotional offer on the initial purchase of {$15000.00}, I called and spoke with customer service on XX/XX/XXXX. I was not pleased with the representative 's explanation. I next talked to XXXX # XXXX, who said I should have been reading page 1 of the monthly statement. I do not understand how a promotional offer would be changed. I asked if there was anything that could be done ; XXXX said it the interest could not be waived. It is unfair at the end of this period to then charge me the interest as though I haven't paid my bill. 

This evening XX/XX/XXXX -- I did call back the customer service and spoke with XXXX # XXXX to inform the bank that I will be disputing the interest charges. 

My contact information : XXXX XXXX XXXX cell phone XXXX email My wife is XXXX XXXX her cell phone number is XXXX and her email is XXXX. 

Thank you in advance for your support.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Hi, I disputed the incorrect balance amount with Experian in within XXXX minutes later, I received a response that the amount was correct when its not. How can you dispute something so quickly in XXXX minutes when the debt collector office closes at XXXX. 

I am concern with Experian dispute process because it seem like they do not call or further investigate the company and send automated updates. 


Attached is the correct amount owed which is {$920.00}, as opposed to {$1400.00}.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I reported XXXX fraudulent charges on my credit card to the card issuer on the same day the charges appeared on my account. The issuer closed my card and sent me a replacement card. However, issuer refused to remove the XXXX fraudulent charges from my account. Instead, they kept playing games with me.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?
Consumer complaint received 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-02
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. (MD)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been trying to see why I have so many late payments reporting. I have been current for as long as I can remember and after pulling my report to purchase a home they informed me I have late payments reporting with capital one. I have tried multiple times to write into the company with no response. Please help me.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Hello, I attended the XXXX XXXX XXXX XXXX XXXX After exhausting my Federal Student aid I was told my my school that I would need to take out private loans in order to finish my education. Navient was the loan provider they connected me with. On XX/XX/XXXX I received disbursement on the first loan. It was {$8500.00} with {$9600.00} of interest built into the repayment. 

On XX/XX/XXXX I received disbursement on the second load which was {$9000.00} with a total accrued interest of {$6400.00}. 

In XXXX I filed for Borrowers Defense for Repayment ( BDTR ). At that time I also became part of the XXXX XXXX XXXXXXXX XXXX  For several years I have been reaching out to Navient to either ask them to forgive my loans or to inquire about if they plan to do anything to address their predatory lending practices. The answer is always no. This debt has had significant and long lasting effects on my life and my ability to use credit and live comfortably. I had to put off paying my federal loans in order to meet Navient 's demands for repayment. Without BDTR, I would have no hope of getting out from under the ballooning interest on my student loan debt.
Consumer complaint received 2023-03-16
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-22
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. (NM)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Hello good morning, On XX/XX/XXXX I received a text from Chase bank fraud alert regarding a transaction of {$100.00}. Since I was at work I didnt see it until lunch. I checked my account and noticed 2 purchases. One for {$55.00} and the other {$52.00}. I immediately called chase bank and informed them that this was not me and I was currently at work. I submitted a claim and they informed me that they would investigate. On XX/XX/XXXX chase informed me that they would take back the temporary credit because they determined that the charges were correct. I told them how? Chase said that my physical card was used and the purchases were in my geo location. I kept fighting and telling them it wasnt me. They told me I needed to provide proof that I was at work. I submitted my paystub and the text message they sent me regarding the fraud. They denied it again stating that in my initial claim I told them I had the card in my possession which was a lie since I told them I didnt have the card and they issued me a new one. Now Im waiting for a manager review to listen to the call because I never said I had the card. I said that I didnt know I had lost it. Please if you can help me get back my money. Thank you
Consumer complaint received 2022-11-02
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. (MI)

I've been disputing a few accounts with Experian since XXXX XXXX and none of my concerns have been met. They keep verifying and updating my accounts but never sending me the documents that they have used to verify the accounts. More Importantly, the Payment history is inaccurate which is effecting my consumer report by reporting incorrect information, Payment History, and have yet to send verifying documents to me after three attempts of asking for them. I would really appreciate assistance with fixing my disputes so I can start my american dream of being a Homeowner, sooner than later.

Thanks If any more information is needed I can send you upon request. Thanks again!
Consumer complaint received 2020-08-15
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. (FL)

I have contacted Trans Union on XX/XX/XXXX about an inaccuracy on my credit report with my student loans. I told them that i am trying to get a mortgage and the i need to dispute four late payments that were deferred at the time. They told me they would dispute it and i asked if i could send the documents that i have to support my claim they told me i would have to go to the website on there page under disputes to upload my documents and put the dispute in myself. I tried to get on my account but could not i called back they told me i would have to call a different number i did that number told me to call another number i did to no avail i could not get anyone to help me. Then on XX/XX/XXXX i finally got into my account and filed a dispute and uploaded my documents. I called on XX/XX/XXXX at XXXX XXXX   and i was told they could not help me and hung up on me. Called back to speak to a supervisor the supervisor XXXX told me he would put the dispute threw for me. I asked if the dispute from the XXXX went threw and he tells me no. He tells me he put the dispute in form me.But know i can not get on my account again to check it and every time i call trans union they will not help me or answer any questions about my dispute. I need to get this correction and i can not seem to get any help with disputing this inaccuracy. I need help please
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX i sent dispute letters out, no response, then XXXX i sent out a comply and demand letter still wit no repsonse
Consumer complaint received 2024-02-11
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: Synovus Bank (OH)

XXXX FUNDING IS REPORTING ON MY CREDIT PROFILE TWICE. XXXX XXXX SOLD THIS DEBT AND BOTH ARE REPORTING NEGATIVELY ON MY CREDIT PROFILE. THIS ACCOUNT NEED TO BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2020-08-15
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. (GA)

i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted
Consumer complaint received 2022-07-22
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. (CA)

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 Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute 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 XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 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 2020-08-14
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 (IL)

In XX/XX/2020 I booked flights using My Capital One Credit Card to XXXX, XXXX in the amount of {$3700.00}. I was told by The airline XXXX XXXX that flight which was scheduled to leave XX/XX/XXXX would be cancelled as will return flight back to XXXX from XXXX in XX/XX/XXXX. The airline promised a return of the fees taken less {$150.00} processing fee. I was told by XXXX XXXX travel Agent XXXX XXXX in Illinois that I would receive confirmation of this. Unfortunately they failed to provide an lay document or email stating to the return due to their cancellation after contacting them multiple times in XXXX regarding this. 

I filed dispute with Capital One who gave back credit on XX/XX/XXXX. They subsequently removed in XXXX XXXX asking for more information. I asked what is needed besides the verification that XXXX XXXX has halted all flights from U.S. with no projected opening which is on public website. Capital asked that I write out a letter signed by me stating that I contacted Merchant and describing that the airline cancelled flights. I did so and provided screen shots from XXXX XXXX website showing closures and cancellations. 

Capital denied again stating they needed more information. After calling multiple times and being hung up on - I finally reached a supervisor. Again he asked me to write a letter. He also asked for itinerary of flight. I provided this and email from Capital One regarding billing. 

Capital One credited back funds on XX/XX/XXXX only to remove again on XX/XX/XXXX. Again stating they needed more information. 

I believe they are just trying to frustrate me and not wanting to clearly return funds back for a service that was never or can be delivered by an airline that is not flying now or in the near future from the US. So it makes no clear sense what else they need to return my funds. 

The airline is now stating they will take up to 4 months before they respond back which based on what I see as FAA guidelines in the US is not reasonable for a cancelled flight. I am entitled to full refund because airline cancelled. Capital One who is party to which I am disputing this transaction should credit back the fees.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (FL)

I spoke with a lady with corporate conns home plus. advised lady that i was being forced to move due to ex jumping restraining order and not being able to take the refrigerator to new place as apartment would not allow it. She advised me to take the refrigerator to the local conns home plus on XXXX XXXX in XXXX, FL. Once received it would be sent the the warehouse and auctioned off. I had my baby daddy with college hunks take it to the conns home plus on XX/XX/XXXX. He told me they were advised XXXX XXXX up to the bay and unload the refrigerator. Now i am getting phone calls saying that conns does not allow voluntary surrenders in the state of florida and even thought they have the refrigerator and confirmed with local store that corporate authorized return that i owe the full original amount owed! This is XXXX. I followed what i was told and now i am told i am out of a refrigerator and still owe over XXXX and Conns has been destroying my credit when they have had to refrigerator since XX/XX/XXXX.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the Transunion, XXXX and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX ( XXXX XXXXXXXX ) I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.