davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/XXXX I was on the XXXX XXXX web page and I was looking for a credit card that would not charge a fee to do a balance transfer. I put on the application that I would want {$8000.00} but I did not complete the application when I read the terms of agreement and saw that they charged a 5 % fee on balance transfers. I simply closed the web page not authorizing or requesting or agree to an account with XXXX XXXX. Barclays took it upon themselves to send XXXX XXXX XXXX {$8000.00}. I did not identify that I wanted the money to go to XXXX. XXXX acceptable the money from Barclays even though my XXXX account was balance-free and closed. XXXX then took XXXX of the XXXX and sent me a check for the balance. I never received the check. Barclays begins to email me and telephone stating I owe XXXX to them for the unapproved balance transfer. When I first spoke to a Barclays representative I asked, do I need to get the money from XXXX? I was told no, that this would be seen or processed as a fraudulent claim and therefore I was in no way responsible. I then received a letter from Barclays stating that I was in fact responsible and that I had gotten deep enough into the application whereby I was procuring their services and so I did request the money. I never received a credit card from XXXX XXXX, I never activated a credit card and I do not know this account 's number. Next I spoke to several representatives on Friday, XX/XX/XXXX where time and again they would say to me, we aren't going to go round and round with you, you have the money, pay it back. Not once did anyone listen to me that I didn't have the money, that perhaps they should be contacting XXXX to see if they had the money and that I simply could not understand how I was responsible for this faulty and misleading transaction. I was treated like a liar and a criminal when in fact I believe that it was Barclays who was subjecting me to unfair business practices and dishonest and unreasonable expectations. The matter was resolved on the phone when XXXX, a Barclays rep and XXXX, a XXXX XXXX XXXX agreed on a 3-way call that XXXX would send Barclays a check in the amount of XXXX and stop payment on the check that was sent to me by XXXX for XXXX minus the XXXX fee that they kept. All of this simply did not need to occur if the first representative I spoke with at XXXX XXXX had listened to me when I stated that I had not completed the application and my husband and I had gone to our credit union, secured a personal loan that included paying off the XXXX XXXX balance and subsequently closing that account so that I didn't feel I have any responsibility for retrieving their misplaced balance transfer. None of this was pleasant and it took up countless hours on the phone and online trying to get them to listen to me.
Consumer complaint received 2023-04-06
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. (IN)

I spoke with and applied for a forbearance with XXXX XXXX  on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana XXXX and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana XXXX.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

When I make an online payment it tells me that my balance is one price ; however, it is higher than the balance that they project online. For example, my online payment was a minimum of {$35.00}, I paid the minimum but I am getting outrageous phone calls from comenity saying that my account is past due. In actually, that isn't true because I paid what they had online. When I call them and see why my account is delinquent, it's because my payment was higher than what was shown online. It was {$50.00}, not {$35.00}. So now I owe, $ 50+ {$39.00} late fee= 79. I explained to them that isn't fair because I did my part. I have pictures to send.
Consumer complaint received 2019-05-03
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2022-03-30
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. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

IacceptedapromotionalofferonmyChaseSapphirecreditcard.Theofferwasfor15%creditbackifIusedmySapphirecreditcardonXXXXbyXX/XX/19.IbookedmyreservationonmySapphirecardandthetransactionfor{$840.00}postedonXX/XX/19.Icalledtofindoutwhenthecreditwouldpostandwastolditwouldtakeseveralbusinessdaysforthecredittopost.Icalledbackagainandadifferentrepresentativetoldmeitwouldtakeupto14businessdaystopost.Icalledafterthe14businessdayandtherepresentativeconfirmedImetthecriteriafortheofferandopenedanescalationticket.SheadvisedIcallbackin2-3businessdaystogetthefinalresolution.Icalledbackwithinthattimeframeandwastoldescalationtakeupto7businessdays.IcalledbackattheendoftheXX/XX/XXXXbusinessday(XX/XX/0219)andwastoldbytherepresentativetheescalationcouldtakeupto4weeks.Irequestedtospeakwithasupervisor.Thesupervisorstatedtheescalationshouldhavebeencompletedwithin7businessdays.Hecouldnotprovidemewitharesolutionand/ortimeframeforresolution.HecouldnottransfermetotheExecutiveofficeforfurtherreview.IcalledonXX/XX/19tospeakwiththeExecutiveOfficebutwastransferredmultipletimesandwasunsuccessfulinreachingtheExecutiveOffice.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (LA)

In XX/XX/2017, Chase Auto ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just took a look at credit report XX/XX/year>, and found a charge off from sprint who is suppose to be orignal creditor. 

1. account. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Date opened on the 2 accounts do not match/ this is a charge off allegedly. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


15 USC 1681 s-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 calls to believe that the information is inaccurate. 


THIS IS A VIOLATION OF MY CONSUMER RIGHTS.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To XXXX, XXXX, Transunion, XXXX, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to XXXX to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, Transunion, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hughes Acceptance Corporation (KY)

I had a auto loan {$13000.00} for a XXXX XXXX financed for 60 months through Hughes Acceptance Corp. in XXXX, KY. beginning XX/XX/2014. This has been paid off but the company has not reported any of the payments or that was paid off to the credit bureau.My credit report still showing I owe the {$13000.00}. I have contacted Hughes Acceptance several times to update my credit report but they have failed to do so. This has caused me not to be able to get another car loan in the past couple of years.
Consumer complaint received 2019-04-02
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: Navient Solutions, LLC. (AZ)

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Consumer complaint received 2019-05-04
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: EQUIFAX, INC. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-05-04
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: National Credit Systems,Inc. (TX)

Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with National Credit System , Inc. regarding a debt I do not owe to XXXX XXXXXXXX XXXXXXXX in the amount of {$74.00}. 

I have repeatedly asked XXXX XXXX XXXX and National Credit System , Inc to provide me with proof of my signature that I have legally binding contractual obligations to pay National Credit Systems , Inc {$74.00}. 

XXXX  received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX for investigation. It obvious XXXX   have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
Consumer complaint received 2022-03-31
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 to the fair credit act XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A : I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : A consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2019-05-04
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: EQUIFAX, INC. (CA)

many XXXX student loan accounts are reporting under my name, these are not mine, these were opened with out my knowledge and reporting under equifax only, they are not helpful even thought i have provided them my police report which shos that i had been a victim of ID theft, but still no answer they are not disputing properly and they are saying it was verified in two days, how is this possible., please i need you help as a consumer to have these inaccuracies removed from the equifax credit reporting agency . 
thank you
Consumer complaint received 2023-04-06
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. (NY)

On XX/XX/2023 I sent out a letter to TransUnion challenging the inaccuracies on my report. TransUnion sent me a letter stating that I was not the one submitting the disputes which I felt like a tactic to prolong this issue. I read that they have 30 days to reply to my dispute. This is bad business for their company and I am now frustrated. TransUnion is in violation of reporting one account with multiple unverifiable information. I have the proof attached. You will see that all three bureaus have the same account but all reporting different information. This is wrong and I know they are not supposed to do this. All information should be the same. There are multiple accounts that need to be reinvestigated immediately and I look forward to the cfpb helping me resolve this issue with this creditor. And if indeed these accounts are verified, I need the verifiable proof. Thank you for your time in this matter.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

XX/XX/XXXX I put a check into the the citi bank located at XXXX XXXX XXXX XXXX, NY XXXX. At the time I deposited the check I was told that if I leave the funds in the account for 90 days I will receive {$1000.00}. After this promotion was verified by the supervisor, I accepted the terms. 90 days has past and I called to see how do I retrieve my {$1000.00}. I was told that I need to have a promotion code in order to get my money. I was not told that i needed a code in order to take part in the promotion or to recieve my money at the end of the promotion. I have tried to get in contact with the branch supervisor and manager and have not recieved and response from them. 
Citi saving XXXX
Consumer complaint received 2022-03-31
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. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.