davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting Act First Premier Account ending XXXX and XXXX XXXX XXXX account ending 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I opened a Best Buy Citi Visa card when I purchased a laptop to facilitate my daughter 's distance learning school curriculum in XX/XX/XXXX, in order to get 18 months ' same-as-cash financing. We planned to pay off the purchase ahead of schedule, so my husband and I began paying {$100.00} toward the balance of the card at the start of each month. The original balance on the card from the laptop purchase was {$1000.00}. Each payment was made well ahead of the billing due date on the XXXX of the month. 
The trouble started in XX/XX/XXXX, when our payment was counted as a second payment for XXXX, instead of as a payment for XXXX. Since their system did not recognize any payment having been made for XXXX, I was assessed a late fee of {$29.00}. Assuming it was an error, I called the company to complain ; they waived the late fee. Still not understanding that paying too early in the month was causing payments to be counted towards the previous month, I was assessed another {$29.00} late fee in XX/XX/XXXX because my XXXX payment was recognized as a second XXXX payment. Now recognizing the problem, I paid a second time in XXXX to make sure a payment was received late enough in that month to not be counted as a XXXX payment. This time, however, the company did not waive the late fee. 
Because of the late fee, when I paid off the exact amount of the purchase in XX/XX/XXXX, a {$29.00} balance remained on the account. Calls to the company requesting to waive the late fee were fruitless. I was kept on hold for unreasonable amounts of time, and no one ever explained to me why I should owe a late fee for payments made ahead of the due date each month. Citi steadfastly refused to waive the disputed balance. Meanwhile, I was being assessed additional late fees and interest on the disputed balance on my card. My credit score was damaged. Collectors began to harass me by mail and telephone. Finally, in XX/XX/XXXX, a representative from Citi explained to me that their terms and conditions held that payments made too early would not count toward that month, and, as such, would result in a late fee. I have been unable, as of yet, to find such language in the terms and conditions.
Consumer complaint received 2021-09-29
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: CarMax, Inc. (CT)

Carmax provided an online preapproval tool and continuously ran hard inquiries across multiple lenders over several weeks as I was searching for a vehicle. The claimed it would be one hard inquiry for the entire time but that is false as I now see many inquiries. Many of the inquiries are form the same lender multiple times and is impacting my credit score and my ability to qualify based on credit worthiness.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CO)

This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.
Consumer complaint received 2019-12-03
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: Experian Information Solutions Inc. (DE)

i have called the companies THAT LIST PHONE NUMBER ON EXPERIAN SITE several times and they put me on hold, and do not come back and refuse to delete the unauthorized inquiries and Experian wont allowed any disputes of inquiries online. 

These listed companies have obtained my report from Experian without my authorization. 

XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX by XXXX XXXX
Consumer complaint received 2021-09-29
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: Self Financial Inc. (OH)

In the month of XXXX, I paid my monthly dues for my credit card with Self. They took out additional three Payments of {$36.00} dollars. I asked for it to be refunded or be accredited to my account. They refused to do so. They also took my credit score down 14 points actually my score should be XXXX by now I have paid on time. I sent proof from my bank statement the still refused to correct their mistake.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made an online purchase of {$1300.00} on XXXX XXXX website on XXXX XXXX. I was charged the XXXX  transaction fee despite the amount charged in US dollars. Bank of America customer service refused to register a complaint and wanted me to talk to merchant about merchant transaction code about the fee. I would like to get clear information from the bank when I would be charged foreign transaction fees even the purchase amount is in dollars. I would also like to get the fee refunded for the US dollar transaction.
Consumer complaint received 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

On XX/XX/XXXX I called FedLoan servicing and requested a copy of the XXXX  repayment plan letter detailing my monthly payment amount ; the letter was originally sent to me on XX/XX/XXXX. I was told by agent # XXXX that I would receive the copy by 3 business days or by XX/XX/XXXX. On XX/XX/XXXX I did not receive a copy so I called again. This time agent XXXX who did not identify herself with a number told me it takes 5 business days and I would receive it by XX/XX/XXXX. On XX/XX/XXXX I did not receive my copy, so I called again and spoke to agent XXXX who NOW told me the request takes 7-10 business days. I have received different information every time I call. I want a copy of the XXXX  approval letter sent on XX/XX/XXXX sent to me immediately.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXCompany Sold Account Type Debt Buyer Date Opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 

Status Updated Balance Balance Updated Original Balance Paid Off XX/XX/XXXX {$880.00} XX/XX/XXXX $ XXXX  Monthly Payment 0 % Past Due Amount {$880.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Last reported XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX balance XXXX  Originalcreditor XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Opened Account status Open Type Responsibility Individual Accountinformationdisputed byconsumer, meets FCRA O Today Credit Cards Loans Money
Consumer complaint received 2021-09-29
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: ENCORE CAPITAL GROUP INC. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-29
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: Klarna AB (VA)

Reference : # XXXX Hi XXXX, Thank you for reaching out to us in regards to the XXXX order you placed using Klarna. We are sorry to hear that you have an issue with receiving your items from XXXX. After reviewing your order in our system XXXX issued a refund totaling {$100.00} on XX/XX/2021 which we in return issued to your card on XX/XX/2021. If this is the cost of the goods you were missing and you do not see the refund on your bank statement please give us a call at your earliest convenience so we can help further. If this is not equal to items you are missing please give us a call to start the dispute process so we can assist you further. Klarna customer service can be reached at ( XXXX ) XXXX. We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ( XXXX ) XXXX from XXXX XXXX, Monday - Friday, or via 24/7 chat at www.klarna.com/us. 


Re : [ # XXXX ] Supervisor Follow-up From : Klarna ( XXXX ) To : XXXX Date : Thursday, XX/XX/2021, XXXX XXXX EDT XXXX XXXX, I understand that you have contacted them to provide more information for your dispute and I am able to confirm that our Disputes team has reached out to the merchant for further resolution. I hope this helps! 

For any other questions or concerns, please don't hesitate to reach out to our Customer Service representatives by chatting with us at www.klarna.com. Our representatives are available to help, 24/7. 



Have a great day! 

I have not received any response on this exhuasting issue of items I clearly returned and I want to get my credit Please.
Consumer complaint received 2021-09-29
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: National Credit Adjusters, LLC (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
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. (NV)

An account was fraudulently opened through XXXX for a credit card in my name. This was on XX/XX/2021. XXXX XXXX, who runs the XXXX credit card was immediately contacted and notified of the error and the account was closed immediately. Both creditors transunion, and XXXX were contacted, and XXXX removed the inquiry and the account from my report immediately. Transunions hard inquiry remained on my report and after contacting them several days later I was told only the bank could file the report for removal. I called the bank again the next day who said they already put in a request. Called transunion again the next day and they said no request was received, so I called XXXX  again who said they would submit a second request. I waited a month and the inquiry had not been removed, and transunion told me again they had received nothing, contacted XXXX and they told me they had already submitted two reports and that they could do nothing further. Its now about a year later and the inquiry remains with no correspondence from transunion or XXXX. The account does not appear on transunion, just the hard inquiry.
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I disputed a debt from a collection agency called XXXX  XXXX XXXX. The collection was investigated as a result of investigation the collection was deleted. I have the proof of deletion, however couple months later I received a letter from another collection agency called Credence ( excellence beyond Belief ). Stating that I must notify there office within 30days that this debt was disputed. I called to let them know this debt has been investigated and deleted off my credit report. Today XX/XX/19 I received an alert from fico. This collection has reported this debt has mines on XXXX. Bringing my score down 44 points. This is illegal. I do not own no portion of this debt, has been investigated already and disputed and deleted. I have proof on my files. I reported this company for fraud. I would like this fraudulent account deleted from my report.
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (WI)

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

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 2022-09-15
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. (CA)

This is my fourth 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. 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. 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 XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2021-09-29
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: OPORTUN FINANCIAL CORPORATION (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bank of Baroda - New York Branch ()

I HAD A BANK OF BARODA CREDIT CARD. I APPLIED TO CLOSE THE CREDIT CARD IN XX/XX/XXXX AS THEY WERE CHARGING ANNUAL MEMBERSHIP FEES OF XXXX WHICH THEY DID NOT MENTION WHILE ISSUING ME THE CARD. I PAID THE MEMBERSHIP FEES IN XX/XX/XXXX AND APPLIED FOR THE CLOSURE OF THE CARD. 

I RECEIVED AN EMAIL MENTIONING THAT THE CLOSURE OF MY CARD HAS BEEN APPROVED. 

SUDDENLY IN XX/XX/XXXX THEY AGAIN SENT ME A STATEMENT CLAIMING FOR THE MEMBERSHIP FEES. WHEN I PRODUCED THEM ALL THEY DOCUMENTS, THEY ARE CLAIMING THAT I HAVE TO PAY THE MEMBERSHIP FEES AND THEN ONLY MY CARD WILL BE CLOSED. 

THESE GUYS ARE COMPLETE FRAUD. THEY ARE DIRECTLY THREATENING ME. I WANT STRICT ACTIONS AGAINST THEM AND ALSO COMPENSATION FROM BANK OF BARODA FOR CONTINUOSLY THREATENING ME.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I opened an account with coinbase inc online at coinbase.com since XX/XX/2021 I have no more access to my funds. No matter how much correspondence I send to Coinbase to allow me access. No matter how many times i send them picture of my id and picture of me holding my id. Coinbase rejects my id verificatuon everytime, day after day since XX/XX/XXXX and on. 
I can not retreive my miney nor talk to anyone at coinbase. Its robbery with a digital excuse. 
Coinbase doesnt take phone calls or publish a customer service phone number, every communication to be done by email with a week for an answer. It continue on n on without resolution. 
TOTALLY DISLOCATED SUSYEM, ABUSIVE and SWALLOWS PEOPLES HARD EARNED MOMEY.