davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I had a Victoria Secret charge card through Comenity Bank and have had a few issues with said bank. Which ended with Comenity closing my account XX/XX/20 for reason that did not seem valid or clear. I then made a complaint here through the CFPB requesting my account be reopened and the rewards and the anniversary discount of 20 % for earning XXXX  XXXX status be extended so that I could use them as I earned then through the rewards program. The company responded XX/XX/20 stating they refused to reopen my account due to " credit changes and lack of use '' which neither claim was true. I was unable to make purchases from XXXX - XXXX due to a mistake made to my account and in XXXX the company addressed the mistake and fix my account, but I did make multiple payments in XXXX so there was no lag in activity and their statement of " credit changes '' is also false or i can only assume so since on XX/XX/20 ( 5 days before the refusal response ) I was pre-approved for another Victoria Secret card through Comenity Bank which I accept just to see and was fully approved for XXXX credit which is {$50.00} more than the account that was just closed. I notified Comenity of this and also asked for my account status to be changed to XXXX XXXX like I had earned in my previous account and my rewards to be renewed and was told my questions were sent to the right department and to give it 30 days for a response and after the 30 days I was told I'd have to try and call to speak with the right person. I'm not sure why this company is targeting me but I definitely feel like I am being retaliated against because they attempted to change my minimum payment illegally and I made a complaint
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

I had 3 loan accounts with discover bank student loan, all of the accounts were paid in full with a settlement and closed in XXXX. But Discover Student Loan Crop still state that my accounts are still opened and still delinquent because in XXXX, those accounts were delinquent. 
HOEVER, Delinquent accounts are those have not made at least a minimum payment for 30 days or more. 
BUT, my accounts were paid and closed after XXXX, in year of XXXX. 
I called Discovery Student Loan, their answer was very confused. they said doesn't matter these accounts were paid in full and closed after XXXX, they are still dispute the amount in XXXX. 
I felt confused because when I paid them in full in XXXX, these 3 accounts were not delinquent anymore, the company should not file delinquent collection for the delinquent amount in XXXX. I am also afraid that they will ask me to pay them any amount that I own them in any year before XXXX when the accounts were paid in full and closed. 
The delinquent they put on my 3 accounts are WRONG!
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (NY)

I have been receiving repeated calls from Aldous and Associates. They keep calling me with the same message of " This is XXXX XXXX calling from Aldous and Associates - either reach out to him or XXXX XXXX. '' I looked up Aldous and discovered it relates to a health club debt. 

I have NO record of health club debt. I do not know why they regularly call me. They have provided ZERO proof of debt owed. I am practicing XXXX- please show me where the proof is of debt owed and cease calling me once and for all. I already canceled my membership with XXXX many months ago and paid off my outstanding debt to the company.
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 (VA)

Dear Capital One, As a seasoned professional XXXX, my XXXX XXXX XXXX XXXX and staff have been devastated in 2020 by the surging COVID 19 pandemic in the State  of Virginia. During the initial COVID 19 shutdown, I sought out and transacted with a professional business transformational curriculum service to manage my staff 's mental XXXX and hardship through the XXXX XXXX. 
The XXXX XXXX is found on the internet at XXXX. Upon charging my card {$150.00} month in XXXX, 2020 for their services, I have found myself in the very distressing situation of unsuccessfully gaining access to any XXXX program paid for and then compounded with no subsequent communication in cancelling our participation for their published services. 
My request of Capital One is to reimburse my credit card for the two monthly {$150.00} charges from ( XXXX and XXXX ) 2020 for a course I could not access. XXXX failed to provide a successful link to take coursework after multiple attempts via email ( which was rejected ) and employing their online chatroom ( which did not respond ). 
My follow up cellphone calls made to the XXXX website posted customer service line of XXXX resulted with a taped recording stating, This number is not accepting phone calls at this time, and the recording is on 24/7 and has been for months. I have tried every time of night and day, and every day of the week, to no avail. 
Capital One received an initial complaint from me about XXXX 's failure lack of communication and not refunding their inaccessible coursework.. This week, I was disheartened and disappointed with the following response from my credit card company. 

Your account ending in XXXX Case Number : XXXX On XX/XX/2020, you disputed a charge with XXXX XXXX., and since then, we placed a temporary credit on your account. Based on the information we have from you and the merchant, the original charge is still considered valid. 
Because of this We consider your case closed. 
Were reapplying the disputed charge of {$150.00}, and it will appear on your account as a Rebill in the next one to two billing statements.

Youll receive a confirmation letter in the next two weeks. 
However, we encourage you to keep working with the merchant to resolve this issue. You can visit the Disputes Support Center for tips on how to do this. 
Thank you for being a Capital One customer. 
Sadly, I suspect Capital One is challenged in reaching the XXXX XXXX, and unfortunately they closed the case and shut down my refund request. This is a huge disappointment as I spent close to an hour on hold today to reopen the cases. 

My Capital One MC number ends in XXXX Assigned Capital One Case numbers : XXXX : XXXX XXXX : XXXX Please review these wrongful charges from XXXX and reconsider the appropriate and justified credit request of {$150.00} x 2 as soon as possible. 
Thank you for you time and consideration.
Consumer complaint received 2019-11-13
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)

XXXX, XXXX  AND EXPERIAN HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 

NAMES : XXXX XXXX XXXX PLEASE DELETE. 
XXXX XXXX XXXX PLEASE DELETE.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, I received a XXXX delivery of 2 home security cameras from XXXX XXXX. The shipping label contained my home phone #. I did not place this order. I called the customer service # on the packing slip. They wanted to know my email address and said that it did not match the email address that they had for the order. All other info matched : name, address, home phone. They instructed me to call TD Bank Retail Card Services as  they have a financing partnership with them. I called and was prompted for last 4 digits of my SSN. The system stated balance due of {$130.00} ( the cost of the cameras ) with remaining credit of {$4000.00}. I requested a service rep and waited on hold for 6 hours with no answer. My husband sent assistance request message on XXXX XXXX. No response. I called again on XX/XX/XXXX and on XX/XX/XXXX was placed on hold for several hours on both days. I called TD Bank retail branch on XX/XX/XXXX and again on XX/XX/XXXX and was advised that TD Retail Card Services was a separate entity and branch has no access to this info. They told me to keep trying the customer service # for TD Retail Card Services. I checked my Experian credit report which shows a hard inquiry on XXXX for TD Retail Card Services. My credit reports from XXXX and XXXX do not show the same inquiry. The package was shipped on XX/XX/XXXX. I filed a police report with my local Police department on XX/XX/XXXX. Identity Theft Report ( #  XXXX ) was also filed with FTC on XX/XX/XXXX.
Consumer complaint received 2020-08-14
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
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 — Personal information incorrect
Company: Advanced Resolution Services Inc. (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2020-08-14
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)

When i was XXXX i got a credit card from XXXX XXXX im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with XXXX XXXX. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down 6 proposals over this because i cant make my party happen. Help
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

During the approximate 3 year life of the mortgage loan, we have been making extra payments for purposes of paying off the mortgage loan. The lender with no communication arbitrarily assigned some portion of these extra payments to future payments, ( in essence collecting interest months in advance ) and some of the amount toward principle. Once I realized that my payments were not due till XXXX next year, I contacted them to instruct them to historically apply all of the excess amount to the principle only. To date they have acknowledged my request but has not indicated that they will comply.
Consumer complaint received 2020-08-14
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: CBC Companies, Inc. (SC)

To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXXI did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( 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 2020-08-14
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2022-07-22
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was doing transaction via XXXX XXXX and the buyer send me email which looked like email from Zelle that transfer {$450.00} from buyer cant be processed because of the limit in my Zelle profile. I am not familiar with Zelle transactions. Email said the buyer has to send another {$450.00} which needs to be refunded by me right away to clear the transfer. Soon after I received another email from apparent Zelle about another payment {$450.00} which needs to be refunded right away to clear full transfer of {$900.00}. Person on XXXX provided me with her Zelle account for refund transfer. I did refund transfer of {$450.00} and received another email from fake Zelle that I have to do another refund to receive my money. Thats when I realized I was scammed and called my bank XXXX where I have checking account hooked with Zelle. Customer Service told me nothing they can do because Zelle doing payments to authorized and familiar individuals. Zelle customer service is not answering. Please be aware and vigilant
Consumer complaint received 2020-08-14
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: WELLS FARGO & COMPANY (NV)

When i was XXXX i got a credit card from wells fargo im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with wells fargo. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down XXXX proposals over this because i cant make my party happen. Help
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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (VA)

Hi, Sir/Madam : I have a TD band Visa credit card numbered XXXX XXXX XXXX XXXX, and I found the below three transactions are not recognized : XX/XX/2020 XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX # XXXX XXXX NM XXXX NM XX/XX/2020 XXXX XXXX XXXX VA {$50.00} So I called TD bank for above fraud charges, because I never went to New Mexico to buy anything with this card since the COVID -19 travel restriction and TD bank closed this account immediately on XXXX, and I got the new card on XXXX. 
I called TD bank to on XXXX to learn whether I have the temporary credit for above three transactions, but TD bank employee, XXXX works at the Dispute Department, told me that it is not guaranteed d to have the temporary credit. 
I replied that when your company closed my credit card and informed me that I will have the temporary credit since I paid above charges. And per government regulation : For your credit card, it can take longer, but you dont have to pay the charge while its under investigation. 
But she told me that she can only memo our conversation but she cant issue the temporary credit into my account. That is not right because bank should issue the temporary credit during the investigation, if bank provided those charges with my signature, they can charge it back into my account. 

But they are unwilling to do so. 

Thus, I have to submit my complaint online to get your help and your understanding and efforts will be highly appreciated! 

VR XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : XXXX
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (AZ)

I have reached out to Discover more than 10 times, both by phone with representatives and in writing to request an adjustment to a recorded late payment in XX/XX/2021. Clearly I do understand they can not, by the Fair Credit Reporting Act, remove this one and only delinquency, but they are not obligated by law to report it. Im not asking it be removed from their records, only that it be adjusted with the credit bureaus, as this late is the only late and occurred while I was with XXXX and seriously XXXX. As a result of this reporting, Im unable to qualify for homeownership and as it affects my credit so steeply it prevents me from even attaining adequate XXXX In this economic climate I do not feel it is a totally unreasonable to request and a certain level of compassion to be considered as most large companies have made strides to have some empathy for their clients.