davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (MD)

Returned merchandise at the store level On XX/XX/XXXX invoice return credit did not post Paid monthly bill at store level via check Check was not processed on my bank statement On XX/XX/XXXX balance showed {$180.00} did not reflect check payment On XX/XX/XXXX still showing $ XXXXbalance Late fee added to the XX/XX/XXXX statement still no credit adjustments shown Frustrated paid the {$230.00} which included the lates fee and requested XXXX to close my account On XX/XX/XXXX Received another bill for a balance of {$44.00}. That was paid even though no further purchases. Through this ordeal I have paid for merchandise I returned along with 2 late payments totaling {$88.00}. 

All balances along with two late payments were paid, closed the account, frustrated and only open this account credit card because the store representative encouraged me to receive the 30 % off sales. 

I called Comenity Capital Bank several times of which was transferred to several departments. I recently spoke to a XXXX representative at XXXX XXXX XXXX and she said that she would sent my concerns to the finance dept. 

I am in the process of buying my third home and was informed that I have a blemish on my credit report from XXXX / Comenity Capital Bank. 

You can clearly see by reviewing my credit history and banking w/ XXXX  XXXX XXXX that I am a responsible consumer- I still buy my clothes from XXXX but use my MasterCard from XXXX XXXX  and ALWAYS pay the balance in full each month. 
I charge approximately XXXX per year with this card and NEVER missed a payment in full. 

I am asking that the companies involve to reconsider removing this blemish from my credit history. 

See XXXX XXXX and Comenity Bank records. 

Thank you
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Concord Servicing Corporation (PA)

This company took over the servicing and collection for the loan on our furnace. The company refuses to provide written monthly statements despite our request. Their web site is horrific to navigate to figure out how to log in. We are getting dinged for late charges due to the fact that we do not receive monthly statements on this account. This account was always current and actually paid ahead until this company took over. I have never dealt with a creditor that just outright refuses to send monthly statements on an account.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (KY)

Ive disputed a bankruptcy multiple times with Experian and they continue to say that XXXX XXXX  reports the information as accurate, however Ive contacted XXXX myself and experian never contacted them. XXXX and XXXX investigations lead to the bankruptcy reporting being deleted from my credit report, but experian refuses to delete the information from my report.
Consumer complaint received 2023-05-26
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)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

This bank purposely arrange what they pay first, Bank fees are extremely excessive.They charge you a fee if you transfer money from your savings to your checking account. I refuse to clear up both of my checking account that will close soon because of excessive bank fees. In my business checking I have {$37.00} fee per day and they havent paid not one of my charges. I spoke with the XXXX XXXX ( XXXX XXXX, GA location ) and was informed that this bank paid the transactions thats why I had the overdraft fee which wasnt true. This has happened twice so you end up paying both the company that you wrote the check to and all of the excessive bank fees
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (FL)

In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with XXXX XXXX credit card, and they are unreasonable, aggressive, and unrespectful. 
I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. 
I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. 
Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.
Consumer complaint received 2023-02-09
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: 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 or items which do not belong to me. 

Please Remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MN)

I had called the company in regards to high interest rate and they told me that is the way it goes and hung up on me ... I called again and asked if it could be lower and told them in state of Minnesota they could not charge that amount and they told me they could charge whatever they wanted, as they are covered by XXXX XXXX XXXX. But after talking with the states Attorney General they are not licensed to operate in Minnesota or to be federally regulated. So I called them again cause at this point I could no longer access my account online to check out my history. But they refused to tell me why my account was not active, they told me it was my website but it wasn't as it told me their was a payment coming and you don't have access at this time. So they lied to me ... Second I have made XXXX payments with approximately XXXX made to this account and I'm getting past due notices saying I owe more than I borrowed ... I borrowed XXXX on XX/XX/XXXX. They have applied no payments to my account.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I wrote transunion a dispute letter back in XX/XX/XXXX. They received the information XX/XX/XXXX. I enclosed my updated ID and social security card only to get a credit report XX/XX/XXXX stating the wrong information still. I have disputed everything on my credit report and nothing is being correct, I have sent in the proper documentation to have my credit report updated. I have even called this company to inform them that none of my information as been updated are corrected. The bankruptcy court does not send out people public information to make it a public record. its student loans on my credit that are not reporting if it is not reporting remove them. I have paid things off and my credit score has not be updates are has the items been taken off my credit. This is hurting my credit and keeping me from getting a home loan, bank account etc. so i need them to get my information together and get it correct.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

I am a victim of debit card fraud. 1 suspect has been arrested. They stole {$6000.00} from me. The suspects were caught on video at every location using my card. Way 2 Go card company issued by Georgia Department of labor will not refund my money. The Police Department has arrested one suspect. The Police Department wanted the card company to contact them, but they won't. They have stopped answering my calls. How do I get my money back? Please help!!
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (GA)

COMPANY CONTINUE TO HARRASMENT DISABLE VETERAN FOR ID FRAUD ACCOUNT NOT MINES AND NEVER HAD ANY " SEARS '' MASTERCARD ACCOUNT, POLICE REPORT FILE, FRAUD AFFIDAVIT FILED VIA MY ATTORNEY WITH " XXXX  AND FTC '', COMPANY REFUSE TO REPLY BACK TO " XXXX  '' ON ABOUT XX/XX/2020, DISPUTE VALIDATION OF DEBT AND NEVER SIGNED ANY APPLICATION FOR CREDIT CARD ... ..NOTE : VETERAN IS XXXX  XXXX  XXXX  AND XXXX  XXXX ... .VETERANS ON SOCIAL SECUIRTY/ VA PENSION ARE EXEMPT FROM JUDGEMENT OF PENSION XXXX  INCOME GARNISHMENT
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Well this all started in XXXX when I recieved a wire from XXXX XXXX which I've done in the past too. This time it was flagged and they froze my account and said I'll have to wait. Then I waited until XX/XX/XXXX when they said they decided to close the account. Cool no problem. So the closing date was set for XX/XX/XXXX, called in they said we are still verifying. Then closing date of XX/XX/XXXX and I'm sure it'll continue being delayed. I have bills, a mortgage, a car loan from this bank too. So I just need my funds to be mailed to me that's all. I can't keep getting the run around with no foreseeable date. The checking account amount is {$110000.00} and the savings is {$21000.00}. The bank is bank of America of course. I just need them to close my account mail me then check so I can find another bank and continue living like a normal free citizen in the democracy of the United States of america. Thank you.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (RI)

XX/XX/XXXX : I discovered a dip in my XXXX score, proceeded to pull my credit reports and found a fraudulent claim/identity theft. I filed an identity theft-related request online with XXXX XXXX XXXX 
XX/XX/XXXX : Results received from XXXX : declines identity block. 
XX/XX/XXXX : I received a statement via XXXX from XXXX. XXXX XXXX XXXX XXXX claiming that I owed a debt to XXXX Apartments in CA for the amount of {$5000.00}. 
XX/XX/XXXX : I sent a XXXX XXXX return receipt letter to XXXX. Data to dispute their fraudulent claim and attached the XXXX XXXX, RI Police Incident Report that I filed on XX/XX/XXXX. 
XX/XX/XXXX : I received correspondence from XXXX. Data requesting notarized paperwork to confirm my identity and proof of residence in RI. 
XX/XX/XXXX : I sent via XXXX certified return receipt mail with the requested documentation. 
XX/XX/XXXX : I receive a statement from XXXX. Data claiming that I continue to owe their client, XXXX Apartments in CA, in the amount of {$5600.00}. 
XX/XX/XXXX : I resent all the previously requested information via XXXX certified mail with return receipt.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I purchased a check ( drawn on 5/3rd ) from my neighbors girlfriend who XXXX XXXX for a living. She is aXX/XX/XXXX XXXX  to the United States and regularly uses a check cashing service. However, her I.D . is expired and she did not want to go to the DMV during COVID-19 so I purchased her paycheck ( written on a personal check w/XXXX  pay in the memo line ) from her. However, when I presented it to 5/3rd on two separate occasions it was met with wrongful dishonor. Dishonor was wrongful because they refused to even check whether the drawer had sufficient funds or had entered a stop payment order. Accordingly, 5/3rd committed a tort against its client/the drawer of the check. Furthermore, they gave me bad legal advice that the person I bought the check from was liable but the indorser of an instrument is only secondarily liable so any action against the indorser for primary liability would be dismissed in court and cost me further money. This standard practice of 5/3rd is in direct conflict with well settled principles of law, causes financial detriment to persons such as myself, and poses a great danger to those in our society who are the least well situated to shoulder that burden. If I can not present an instrument for payment to the drawee bank, then where would I present it?
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The XXXX tradeline contains patently inaccurate information. The tradeline is inaccurate because the CURRENT PAY STATUS shows the debt is a CHARGE OFF. This debt has been paid so the current pay status should indicate that the account has been paid. The tradeline is also inaccurate because I did not open this account and I did not authorize the account to be opened. This account was opened without my knowledge and authorization and should not be on my report because it is not my account. I immediately paid the account when I learned about it because it was destroying my credit, and I was told it would be removed if I paid it. When I disputed the account as being fraudulent, I was told that I would have to prosecute the person who opened the account my wife so I did not purse that.
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc. (NE)

We leased a XXXX XXXXXX/XX/XXXX from XXXX XXXX XXXX in XXXX Nebraska, it was a 3 year lease. The vehicle was financed through GM Financial account number XXXX under XXXX XXXX. In XX/XX/XXXX we decided to purchase the vehicle and went through our bank, XXXX XXXX XXXX XXXX XXXX for the financing. This was completed on XX/XX/XXXX. Our GM Financial account shows it's paid in full however we have tried to get plates on the vehicle and the Nebraska DMV shows their is a lien on the account. We have contacted GM Financial several times and was told there was not a lien and they would send us a letter stating this. We received a letter ( attached ) but it only states AmeriCredit was acquired by General Motors Company. We need GM Financial to get this corrected so we are able to register this vehicle.
Consumer complaint received 2021-01-08
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-03-11
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 (CA)

Capital One has committed Fraud on my Credit Card # XXXX. On XX/XX/XXXX Dr. XXXX charged my card {$140.00} for products I ordered. Then Capital One entered another charge of {$140.00} on XX/XX/XXXX. That same day they removed that charge. I notified Cap One that this product never was received and was not in my possession. On XX/XX/XXXX Capital One notified me that they were putting {$140.00} back on my card since the merchant provided a tracking number. I sent Capital One ( Transaction Support Center ) a two-page letter disputing this amount. No products were received. My dispute letter on XX/XX/XXXX to their Transaction Support Center remains unanswered. My XX/XX/XXXX dispute letter to XXXX XXXX, Chairman & CEO remains unanswered. My XX/XX/XXXX letter to Mr. XXXX also remains unanswered. On XX/XX/XXXX I s/w XXXX # XXXX without any success in getting the {$140.00} removed. On XX/XX/XXXX I s/w XXXX # XXXX still without any success. XX/XX/XXXX @ XXXX XXXX I s/w Val # XXXX & he would not provide me with his supervisors name. So, I requested to be transferred to his Supervisor. At XXXX XXXX XXXXXXXX # XXXX also refused to provide me with her supervisors name. She said it was Cap One Policy. She told me the {$140.00} was still on my card. I asked her to have her Manager call me and she refused. She said it was Cap One policy. I asked to be transferred to the technical department and she refused as well.
Consumer complaint received 2023-03-02
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion, XX/XX/XXXXandXX/XX/XXXXhave not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!