davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

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 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 2020-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

I was involved in a car accident causing a total loss on XX/XX/2019. The only payment that I should be responsible for is the one for the month of XXXX and any fees I may have racked up before the date of loss. I have been getting charged and recorded on my credit report that I havent been paying them since the accident but XXXX has already taken full responsibility and sent out a payment for the vehicle plus I have GAP insurance which should cover any thing XXXX doesnt.
Consumer complaint received 2022-05-04
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. (AZ)

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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. (AZ)

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

I have asked Comenity Bank several times to stop contacting family members, but they do so constantly. My entire family is contacted frequently. My girlfriend 's family has been contacted as well. I receive more than 20 calls per day from Comenity Bank. When I answer, I am asked over and over to pay the full amount which has ballooned because of a single missed payment. It is harassment.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

XXXX  is reporting 4 Outsource receivables collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my XXXX credit file immediately.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been a Capital One card holder for over 2 years. I have 2 credit cards. I've only received low credit line increases. I've paid over {$25000.00} in payments just in the last 5 months. I feel that the different ways to request an increase are all computer generated. 


There a 3 ways to request a CLI : by phone, on the website & in-app. Each application is different from the other which makes it unclear to know what Capital One is looking for. 

I certified letters to Capital One in hopes that a human could manually review my accounts for reconsideration. Each letter stated sufficient reasons why I believe I should be a good fit & how I would use the funds to further my career expenses over the next couple months. My letters were listed as " General Prefilled Letter ''. Subsequently, a general prefilled letter was placed XXXX the " Statements & Documents '' section of my accounts
Consumer complaint received 2020-01-31
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. (TN)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-04
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: DISCOVER BANK (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I've disputed this twice and I believe that whomever is working the dispute is not paying enough attention to the dates and what I am requesting. Yes they have helped me with some and thank them very much because some information has already been fixed. From XXXX through XX/XX/XXXX it shows my loans were current and in good standing. What I don't understand is how does it go to 60 days in XX/XX/XXXX if they are current in XXXX? The same goes for XXXX and XX/XX/XXXX shows current but XX/XX/XXXX shows 60 days late then XXXX shows 120.  How is this possible if they are current one month then go 2 months late? Someone please read this accordingly and assist me?
Consumer complaint received 2018-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (NY)

Back in XX/XX/2018 my husband and I went to participate in a timeshare presentation where we believed to be signing up for an honorable service. At the conclusion of the process, in order to qualify for the program we applied for a credit card through Barclay 's to cover the initial payment. After our interactions, we found that I was approved and he was denied. After a couple weeks, we never received the credit card and the promise of a very luxurious vacation. We were given 30 days to sign up for the luxurious vacation and experienced extreme delays and contacted XXXX several times about the vacation. Once the 30 days lapsed we no longer found the firm to be reputable and felt we were victims of a deceptive act in order to get us binded into the contract which has many contradictions. We contacted Barclays and declined to make any payments as a result of the above interactions. Barclay 's  promised to do an investigation and sent various letters however never got back to us about our concerns with a resolution to cease the contract and void payments. They posted to my credit report as well as to my husband 's ( who was denied ) and as of Tuesday, XX/XX/XXXX Barclay 's posted a past due on my credit report. 

We contacted XXXX a few days ago who stated they were coming up with a " resolution '' which for us is to be removed from all communications, cancel of the contract and removal from our credit reports.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

I Received two {$50.00} gift cards XX/XX/XXXX activated-Vanillagift.com XXXX Serviced by Incomm Financial services , Inc I Tried using both on XX/XX/XXXX at local retail shops for amounts well below the {$50.00} threshold for each. Each time they were declined, Called their customer service number on the same day XX/XX/XXXX. Gave the rep the card info on one of the cards. He said " some retailers don't except visa gift cards '' and to " try other locations for purchases '' ( this alone is mis-leading advertising because their own website does not state this, quite the opposite ) Revisted issue with cards 3 days later on XX/XX/XXXX - Tried to purchase an item online - well below the {$50.00} threshold. Cards were declined, went to vanillagift.com, figured maybe I need to register cards for them to work, Balance showed XXXX XXXX  available on one, and {$50.00} on the other ( the only person beside myself that knew the card info was the customer service rep I spoke to on the phone at Vanilla ). Charges consisted of multiple {$10.00} charges to XXXX XXXX store on XX/XX/XXXX - this was not done by me. 

On the same day XX/XX/XXXX called customer service number XXXX at Vanilla - transferred to stolen card info dept, Spoke with a rep from XXXX. XXXX that asked for all of my personal info if they were to investigate issue, Info she asked for was my - DOB/Soc Sec # / Address, I declined to give info and she informed me that nothing else could be done to help me if I didn't give them that info. I asked her why the other card wouldn't work and she explained that " only '' certain places except them and to keep trying, she then ask me for the card number info, which I declined to give her. 

As of XX/XX/XXXX I have one {$50.00} gift card that was maxxed out and the other which is unusable at multiple online/ and local retail outlets.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Act XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-04-17
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. (GA)

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX  ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX We made a purchase for {$1300.00} at Lowes store number XXXX in XXXX XXXX Virginia using our Lowes Credit card. As the sale was being finalized and the Lowes credit card had been swiped the store 's computer went down which prevented the store form printing a receipt. When the system came back up there was no record of the sale in the stores computer so no receipt was able to be printed. A manager called card services and he was assured that the charge would not post and if it did it would be removed. Based on that call the store re-rang the purchase and we processed the Lowes card for the identical amount of {$1300.00}. On XX/XX/XXXX the both charges appeared on our statement despite the assurances that only one charge was going to be processed. 

We called the credit card company and disputed the charge on XX/XX/XXXX. On XX/XX/XXXX we received an automatic stating that our dispute had been resolved on XX/XX/XXXX without any detail. We opened the email on XX/XX/XXXX and immediately checked the account only to see the charge was still showing. After ~2 hours on the phone and being transferred around to multiple people how could not/ would not help I was placed in contact with XXXX XXXX She realized that the original dispute had been entered incorrectly and therefore closed incorrectly. She re-opened the case with clear notes as to the facts and assured us that no interest would accrue on the charge while it is in dispute. 

On XX/XX/XXXX, we called Synchrony Bank for a status update. After only being told that the charge is being disputed I asked to speak to a manager. the Manger said that Synchrony Bank does not credit accounts and that they have to wait for Lowe 's to process a credit. I had to push to understand if they even had reached out to Lowe 's to get this resolved. to which he said that they had reached on on XX/XX/XXXX. two weeks after I called. The bank could not say what they were actively doing to resolve this. The statements say to dispute charges we have but then they do nothing to actually get resolution. 

Simultaneous with the above efforts I have reached out to the Lowes store we made the purchase at to see if they will help. Unfortunately the Managers on duty do not call back and when we have spoken to the customer service desk they point us to the credit card company. 



Desired Resolution : the Duplicate charge removed from my account with no accrued interest owed.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2019-08-28
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. (SC)

On XX/XX/2019 I sent Experian a method of verification letter for explanation on accounts that were supposedly verified. However, they did not respond to my request.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times.XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

On XX/XX/XXXX Citi Card alerted me of illegal transitions on my credit card. I contacted them back on XX/XX/XXXX and realized that I had 4 charges from the same merchant in the amount of XXXX, XXXX, XXXX, and XXXX. The credit card was canceled and the Bestbuy Citi bank representative assured me I would not have to pay back said amount. On XX/XX/XXXX I was told that I would now be responsible for the charges. They investigated and said it was legit charges and sent me a letter stating this. I have sent in a police report and a certified letter to Bestbuy citi card disputing the fraudulent charges on my card. The letter that I got, I cant read, because the words are so small. I called bestbuy, and they cant tell me neither, because so small.On XX/XX/XXXX was told by bestbuy representative that my case is being reopened. Can you help me. Thanks