davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched statements XX/XX/XXXX & XX/XX/XXXX. USAA SAME DAY FRAUD INVESTIGATIONS END COMPLETE THE SAME DAY THE INVESTIGATION IS BEGUN. .Investigations can NOT be Accurate or are Not done at all. ALL TEMPORARY CREDITS to begin an investigation BECOME NEW CHARGES the SAME DAY BEGUN. Many are paid by merchants BEFORE TEMP INVESTIGATION CREDIT.This temp credit Not made permanet IS NOW A NEW CHARGE. XXXX Beginning Fraud Same Day Credits XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} TOTAL CREDITS for this period {$450.00} are from merchants and my payment NONE ARE USAA CREDITS?? Of the SAME DAY FRAUD INVESTIGATION TEMP CREDITS PAID BY MERCHANTS are XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} NO USAA CREDIT IS NEEDED or provided. MERCHANTS COVERED FRAUD but XXXX XXXX XXXX XXXX XXXX XXXX ARE NOW NEW PURCHASES I DID NOT PURCHASE A SECOND TIME.??? XX/XX/XXXX SAME DAY TEMPORARY FRAUD CREDITS to begin INVESTIGATIONS are XXXX XXXX are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAID BY MERCHANTS {$280.00} NOW A NEW CHARGE XXXX XXXX XXXX XXXX XXXX ALL PAID BY MERCHANTS DURING THAT PERIOD AND NOW ARE NEW CHARGES same day AFTER MERCHANTS PAID TO COVER FRAUD???. TOTAL CREDITS for this period are {$910.00} ALL ARE FROM MERCHANTS NO USAA PERMANET CREDITS TO REVERSE.??? USAA COMPLETES FRAUD INVESTIGATIONS THE SAME DAY THEY BEGIN.??? NO Accurate INVESTIGATIONS ARE DONE BY USAA. NO USAA PERMANET CREDITS ONLY MERCHANTS CREDITS???
Consumer complaint received 2020-03-01
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. (FL)

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX  XXXX XXXX  XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed a 90 day late payment being reported on my XXXX  XXXX account # XXXX for XX/XX/XXXX with XXXX, Trans Union, and XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

1 ) On XX/XX/20 I received an email from 53 saying " my online account was locked. '' This was due to nothing I did. 53 wants a {$500.00}. Balance in this account. I called 5 times and held 30 minutes each call-in answer. I think it's illegal to not let clients see activity on their account opening it up to FRAUD activity. This is criminal and corrupt and a bank should not be allowed to do this. I made no attempt to access-This was Not caused by me. A bank should be charged a daily fine for not allowing money holder to see it. Especially when a balance is required. I EMAILED MERCY, BANKER ABOUT NOT HAVING ACCESS BUT CALLING 53 AND 2 ) NO ONE WAS ANSWERING PHONES. N53 BANKER DID NOT RESPOND EITHER. THIS IS SERIOUS INFRACTION AND 53 SHOULD NOT BE ALLOWED TO BLOCK ACCOUNTS. TODAY IS SUNDAY XX/XX/2020 AND 53 CUSTOMER SERVICE IS CLOSED. I CALLED ALL DAY XX/XX/2020 BUT COULD NOT GET THROUGH CUSTOMER SERVICE-THIS IS INTENTIONAL BY 53 OR THEY SHOULD BE REQUIRED TO HAVE STAFF PRESENT ANSWERING PHONES.
Consumer complaint received 2022-09-29
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX  XX/XX/2022
Consumer complaint received 2019-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

I have an account with XXXX  ( grocery store ) through Comenity Bank. I have fallen on hard times and have tried to contact them several times in regards to my payments and what I can do during this time. No one has resolved this issue for me. Instead, they have changed the contact numbers on my profile without my permission. They have listed my husband 's telephone number and my sister in law 's telephone number. I have never given them this information. They contact my husband several times a day and leave messages with my information regarding my account. I have sent them a letter as of the XXXX of XXXX to stop contacting all telephone numbers and to only send paper mail from now on. I am not sure where they got these telephone numbers from as I only had my telephone number listed when I started the account. They call from Restricted or Unknown numbers and they weren't leaving messages so that I knew who was calling. Now they call from these numbers and leave messages with my information. They do not call my main telephone number anymore as they have changed the number on my profile without my permission.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

My XXXX year old daughter 's account was hacked. She called the bank ( NFCU ) and was given a new account. This happened the 1st week of XX/XX/2020. Now they've applied the fraud to her account and here it is almost XXXX and she still hasnt recieved her money. She had nothing to do with this and I dont know why they are holding her money. I have been given 3 different dates and have been treated very poorly as a customer.
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Hi I had make a complaint in XX/XX/2018, i apply for a private loan forgiviness from Navient company, for reason that this school had closed, and I would not be able to finish LVN program, i had to paid a loan for XXXX dollars and I need my money back, i do not get response last time that I make complaint.Thank you
Consumer complaint received 2023-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (RI)

Dear CFPB ; XXXX ; MIDLAND CREDIT XXXX ; I'm a little concerned that no one is trying to resolve this even after I've filed a police report. As I mentioned a XXXX of times to everyone, i have never opened any contractual obligations with either XXXX XXXX or Midland Credit Management group. Plus, why is my information being sold without my consent to different companies.- Isn't that breach of my consumer privacy? I've never signed any paperwork or acquired any services with either of those parties involved. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-12-06
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: DISCOVER BANK (NY)

I had a credit card with Discover. I had a credit limit of {$1900.00}. On XXXX my credit was decreased to {$500.00}. I had made a payment of XXXX to bring my account current. I missed a payment in XXXX due to a very personal issue but set up payment plans with Discover to bring my card current. I was able to make a large payment and no sooner than I had done that my credit limit was reduced to {$500.00}.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One is putting fake information on their website. They have 0 % APR for 15months on purchases and balance transfers. I applied and went I received my card all the information given on website was fraud. My APR said it was 26 % with no and never said anything about the offer they offering which was the 0 % APR for 15months. I called Capital One customer service to see what was going on. Thinking they maybe had done a mistake. To start off they had me on hold for 10mins trying to figure out what happen. Person I was talking to said I apologize and didn't know what else to say. I asked to talk to the manager which she kindly transfer me to their account manager. And again same thing he said was Im sorry, but we have on file is that theres no 0 % APR for 15months. He said it all depends on your credit score, but lies the website says ( if your approved the APR will depend on your credit score never says depending on credit score you'll be eligible for 0 % APR for 15 months. I had to canceled that credit card and take the fact that my credit score will be affected. Who knows what else they are lying about I didn't want to took the risk and canceled.
Consumer complaint received 2020-03-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: American Collections Enterprise, Inc. (VA)

On XX/XX/2018 my XXXX year old saw a doctor. She has VA XXXX at the time. After MULTIPLE harassing phone calls to not only my phone, but the mother of my daughter, she called and for the 3rd time gave them my daughters insurance information. Which they continued to bill me instead of the insurance. I verified that the insurance was active at that time.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

According to the XXXX XXXXn upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

XX/XX/2020 toXX/XX/2020. I received an American Express Cash Magnet card from Amex. I originally entered all my personal info to get the card and then again to confirm it. I can not log-in or use my card. I called Amex and got XXXX where an operator said she could not assist me because the account did not exist. I asked to speak to a supervisor or someone in security and she hung up. I tried several more times to log in using the card # they sent me and the online site said it did not exist. I can not even cancel the card because XXXX told me they have a record of me but not my car, click.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (VA)

I lodge this compliant as a follow up to my call with the Consumer Finance Protection Bureau on XX/XX/XXXX. Call Reference Number is XXXX. 
As elaborated on the call, on XX/XX/XXXX, my fiance ( now my wife ) and I walked into the XXXX XXXX  store in XXXX XXXX   to purchase her engagement ring and our wedding bands. 

After picking our rings, we were ready to pay for them when the sales associate offered a promotional plan where we make a down payment and then the balance made over 18-monthly payments at 0 % interest. 

We accepted and the sales associate went ahead to calculate the down payment amount of {$1400.00} for which we paid for, leaving a balance of {$5300.00} to be made in 18 monthly installments. She then went ahead to let us know that we should keep an eye out in e-mail/mail for the credit card which supports the financing as well as the first billing statement. 

The first bill statement was sent in XX/XX/XXXX and stated a due date of XX/XX/XXXX. We made the first installment payment of {$300.00} on the basis of a 0 % interest and 18 monthly installments as was explained to us at time of sale. ( That is {$300.00} x 18 ). 
Following that, we set a direct debit standing order to consistently settle monthly payments of {$300.00} on time with no defaults, and made the final payment of {$260.00} on XXXX XXXX to close out the card. 

We were thus utterly shocked when on XX/XX/XXXX, I got an e-mail from Comenity Bank that payment was due for {$1200.00}. I first engaged Comenity via e-mail on XXXX XXXX to flag and dispute this amount as an error and they explained that final payment was due by XX/XX/XXXX for the promotional period and because we were 5 days shy of that date, we are being charged with all interest accrued over the period. 

Several messages and calls have been made to Comenity since then to explain that what we were sold at XXXX was exactly what we abided by, but they fail to understand. 

Even worse, while we are still having discussions with Comenity to resolve this issue, we discovered a delinquent report sent to XXXX  and an adverse hit of 102 points to my credit score.  This directly goes against their terms as noted behind bill which states that while a mistake on a statement has been notified, Comenity will not collect the sums due in question nor report any delinquency to credit reporting agencies.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion : XXXX XXXX XXXX missed payments. I was never late. 
-XXXX not my credit card -XXXX XXXX  not my loan -XXXX  XXXX XXXX XXXX not my loan -Collection : XXXX XXXX XXXX XX/XX/22. {$170.00} not my account XXXX XXXX opened XX/XX/22. XXXX : not my card
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-12
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (OH)

BULLCITY FINANCIAL SOLUTIONS ACCOUNT XXXX BALANCE : XXXX THIS COMPANY IS IN DIRECT VIOLATION OF 15 U.S. Code 1692e AND MANY MORE. Bull city financial has failed to complete my request and afterwards is giving me false information in connection with a debt that is not owed because debt was cancelled through irs form 1099c and written off and is taxable income so how can a debt be income? This is proof of false and misleading. Also my debt validation request still has not Ben completed due to the fact of the response I received in correspondence to my validation request and it lacked all relevant information for validity of such alleged debt, such as a copy of the original contract with my signature for the debt, a full payment history from the original creditor, the name and address of original creditor and the proof that they own or have Ben assigned the debt to collect. I AM NOT REQUESTING A REINVESTIGATION! I AM DEMANDING REMOVAL OF ITEMS DAMAGING MY CONSUMER REPORT AND BEING FALSELY REPORTED INACCURATELY WHICH IS ALSO A VIOLATION.