davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
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: Bread Financial Holdings, Inc. (FL)

On the day I was flying back from XXXX, XXXX to XXXX XXXX, FL ( XX/XX/2018 ) I received a text from XXXX XXXX XXXX confirming an order to XXXX which was made by someone living in XXXX, PA. Prior to receiving this order I was not even aware that XXXX existed. Further I have never lived or visited XXXX, PA nor have I ever known anyone who lives there. I immediately sent a reply email advising that the order was fraudulent. On XX/XX/2018 I followed up the issue and spoke with a XXXX agent ( the XXXX XXXX card used for the XXXX fraudulent order ) to confirm that the order was fraudulent and was not to be fulfilled. The agent advised that the order had, in fact, been flagged as possibly fraudulent, and advised me that they had done something to cancel the order. Nevertheless, on the same day, and despite having been advised that the order was fraudulent, XXXX/XXXX   shipped the order to the criminals and sent me an email dated XX/XX/2018 confirming same at XXXX XXXX. 

It should also be noted that XXXX advised me on XX/XX/2018 that The fraudulent charges will be removed from the account. This was confirmed in an email from XXXX to me dated XX/XX/2018 at XXXX XXXX which was included in the copy of my XX/XX/2018 correspondence to XXXX which was sent to the Federal Trade Commission and is attached to this Complaint. 

It should be noted that the same criminal used my XXXX card to place an order with XXXX on the same day that the order was placed with XXXX. I took the same action with XXXX and they, in fact, cancelled the order and did not send any merchandise to the criminal. 

It is beyond me why XXXX, after being advised and acknowledging that the order was fraudulent, knowingly sent their goods to a criminal. It is also beyond me why XXXX, after advising me that the fraudulent charges would be removed from my account, failed to do so and, to add insult to injury, charged a late fee and interest to my account and has probably reported the late payment to the credit reporting companies thus damaging my credit standing. 

XXXX failure to remove the fraudulent charges from my account, and it further charging interest and a late fee, constitutes a willful violation of the Fair Credit Reporting Act, in addition to reversing all charges on the account demand is made for statutory damages in the amount of {$1000.00}. In addition it has taken over 4 hours of my time addressing this issue which means I have lost 4 hours that would otherwise have been billable. As a XXXX holding a XXXX and a XXXX of XXXX in XXXX degree my billing rate is {$200.00} per hour. Thus I have sustained further actual damages of {$800.00} is demanded.
Consumer complaint received 2023-07-15
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. (TX)

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. 

The letters are stated with items and issues. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

i never did business with this company and furnishing false reports about me and they violated my right to privacy Your company shared statements as evidence and a copy of a consumer contract as evidence of the debt, but as per judgement with Pacific Concrete F.C.U vs. Kaunanoe, a copy of the consumer contract is not sufficient evidence of the debt. I demand you have original signed documentation of the alleged contract or signed credit card statements you also need, and competent fact witness to attest to the validity of the alleged debt.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.
Consumer complaint received 2019-01-03
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: Experian Information Solutions Inc. (CA)

Experian enclosed is a legal goverment document from the furnisher XXXX  to the CFPB in response to a complaint for over a year with you please remove XXXX XXXX As per the furnisher response enclosed . if you feel you want to investigate this and not remove it at once FIVE DAYS then I feel I have a legal right against you to file a law suit you for purjury and false reporting not to say personal damages to my self and family, DR visites car wreck, personal loss, from your credit reporting I have all documents, an  these documents to use against you so PLEASE REMOVE AS PER RESPONSE .Please respond here to this case in 5 days removal or not thank you
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (IL)

This company advertises a comprehensive credit review for the loan process, including educational level attained. But what they really do is rely on the 3 main credit bureaus to generate a score. And then they make a decision based on this score of XXXX minimum. No where in the application process did I see this. If I did, I wouldn't have bothered applying. Im the victim of ID theft, so it is hard to unfreeze my scores from the 3 bureaus just to have my credit checked. And also, because of the ID theft my score isn't very high. I have to close fraud credit lines, remove them from my record. It hurts your score.
Consumer complaint received 2022-07-11
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, XXXXXXXX XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (MO)

I recently filed a report, and you said you could not process it because you do not have a relationship with the company : XXXX If I reported the company as XXXX, try XXXX XXXX XXXX. XXXX is XXXX for XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (AL)

XXXX XXXX gave XXXX XXXX XXXX a Merchant Advance in XX/XX/XXXX for XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX. The Broker who set the Advance up was fraudulent and he took money from my account twice. My Bank shut the account down, my Business also went under due to Covid-19. This was not a loan and definitely not a personal loan. My Credit Report is showing on XXXX  and XXXX  this account was opened XX/XX/XXXX and that it is a personal loan. This is a lie and inaccurate, both parties are in Violation of The Fair Credit Reporting Act and are liable for damages up to {$1000.00} each in State and Federal Court. Caine & Weiner is pretending to be a Law Firm when they are just a Collection Agency. The amount is a lie also, I received a notice from another company last year that the amount was {$6800.00} but on my Credit Report is {$7900.00}. I am in the process of contacting The Attorney General Office and The Federal Trade Commission to file complaints against both companies.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to XXXX  or automated verification. I demand swift resolution to this matter. XXXX XXXX AUTO XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX. Please delete this fraudulent account ASAP.
Consumer complaint received 2021-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN XXXX XXXX  IS BREAKING THE DODD-FRANK ACT! THEIR COLLECTION CONSORTIUM ROBO CALLED MY DAD COLLECTING A INVALID DEBT FROM XXXXREPORTING ON EXPERIAN HIDING IN INSTALLMENT LOAN SECTION. 

WE HAVE 11 ROBO CALLS ON TAPE AND NOW STARTING CLASS ACTION LITIGATION. SEE SCREEN SHOTS.
Consumer complaint received 2021-03-07
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. (VA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I live in California. On XX/XX/XXXX in California time, I submitted 2 payments selecting XX/XX/XXXX as the payment date on the Ally app. One for {$28.00} and another for {$23.00} both to the same biller : XXXX Credit Cards. 

I submitted the payment and then received an email from Ally that I submitted 2 same day payments and would be charged a {$9.00} fee for each. The issue was timezones as Ally uses Eastern time. 

I don't have issues with the timezone cutoff, but my issue is that I was not warned that a fee would be charged for those payments or else I would not have submitted 2 payments for such small amounts to the same company each triggering the {$9.00} fee! 

Prior to that email, I received no warning that I was either making a same day payment nor that I would be charged a fee. I was also unable to cancel the payments. 

I contacted Ally immediately and asked them to assist. I offered to show them exactly what occurred and they declined to walk through it with me on the phone but said I could upload proof via their secure messaging system. 

I captured a video showing the issue, as I was able to replicate it again but then when trying to upload the video their secure messaging system only accepts images. 

The issue with screenshots is that I'm trying to how proof of not being warned of the fee, which is not something a screenshot can convey, that something is missing .... 

I uploaded some screens anyway and they said they found no issue, the problem is that it's only apparent in a step by step video. 

I called them back today asking if I could send them the video via email or some other means showing everything end to end and they stated that they're unable to accept any kind of video and that their decision was final. 

In essence, they are unwilling to even review my video proof of the issue, refused to acknowledge the issue and would not refund the fees. This is appalling especially when it involves charging customers fees that they then can not escape. I think this could be a UDAAP violation. 

I have attached video showing that I was able to replicate the exact issue minutes after those payments were created. The app showed XX/XX/XXXX as PAY TODAY and that selecting XX/XX/XXXX did not trigger a same day warning or any kind of fee.
Consumer complaint received 2023-07-14
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. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Services (TX)

XXXX  XXXX XXXX NOTICE FAULT FOR INFORMATION REQUEST XXXX, XXXX your on notice also failure to comply to request for verification documents XXXX, XXXX, XXXX, The CFPB is notified for this as witness to the facts that your refusal to produce the documentation I need, I do not want copies of documentation but actual documents NO HEARSAY, Also the HIPPA VIOLATION needs to be addressed in this dispute
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 {$420.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I tried to communicate with the above company but the representative was argumentative when I tried to explain I never received any notice about this or chance to dispute this before it went on my credit report. The representative demanded rudely I must pay or else.
Consumer complaint received 2022-07-19
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (AZ)

I took out a loan had problems paying them back. XXXX XXXX has been allowing me to extend the loan and paying them back. I did a settlement plan with them for XXXX per month. In XX/XX/XXXX I asked if I could split the payment every to weeks. Which they agreed for the month of XX/XX/XXXX. 

I called today requesting if I could split once .again due to my financial circumstanes- I was denied. They have my checking account number and even offered my debit card information. I askef for a supervisor to plead my case. 
I simply asking to split XXXX every two weeks in which I get paid. I'm a XXXX with a XXXX XXXX and need medications to survive! Please help!!! 

XXXX
Consumer complaint received 2020-02-15
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: EQUIFAX, INC. (NV)

Today  Friday XX/XX/XXXX I contacted Equifax Credit Bureau to unfreeze my account. I was very distressed during this process I felt that I was harassed in the manner in which I was treated. Approximately between the hours of XXXX : XXXX  and XXXX I called Equifax Credit Bureau to unfreeze my Credit Report to make it available for a lender. The following occurred : automated ask my full social, birthday, numerical street address zip code, the automated also sent to my phone an access number in which it difficult for me to click over and do. Finally robot prompted me to an agent who continued to ask me the same things that the automated had asked my social, birthday , street address and zip code, After asking these same questions she said that she had some security questions as : Around XXXX of XXXX did I open an account with a group of companies and my reply was no. She asked who financed my car since I have owned several cars I needed her to be more specific and she said within ( 5 ) years I replied that XXXX was first and XXXX XXXX was the second also I sold the car in XXXX and paid the car loan off. She came back and asked me the same question and I told her the same things. She asked about who had my mortgage and how much I paid per month I gave her that XXXX XXXX  was first and currently XXXX XXXX XXXX. she act like she couldn't understand the two mortgages and I told her that XXXX had sold the loan. She also asked about my credit cards and I told her I had just got one today and who it was issued by and she asked me about XXXX XXXX and I told her I had a checking account and a preferred credit card she wanted to know the balances and I told her I didn't know. She asked me also did I owe any other credit cards and I told her no. The agent at this time told me that she couldn't honor my request because she couldn't authenticate me as XXXX XXXX even though I had answered all of her questions. 

This agent was acting like an attorney and in my opinion crossed the line in how she suppose to verify a person. She keep going off the phone saying she couldn't here me. It was a difficult phone call.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (AZ)

In XX/XX/2020, my account balance was {$0.00}. I responded to an ad for a balance transfer with 0 % interest and 3 % balance transfer fee. I transfered {$5000.00}. When my recent statement came ( XX/XX/20 ), I was charged a {$150.00} balance transfer fee AND {$73.00} interest ( see attached image ). I phoned the credit card company and they agreed that there was a problem. Somehow, even though I responded to a 0 % interest balance transfer fee offer and used the balance transfer mechanism on their website, I'm nonetheless being wrongfully charged interest and the balance transfer is not registered as a balance transfer on my account. 

A case was opened on XX/XX/20 and I was told it would be resolved in 1-2 business days during the regular business week. However, today it's XX/XX/20 and there is no activity ad progress on my case. Meanwhile, the account is accruing DAILY INTEREST! 

I've been on hold for more than 60 minutes with the bank and no one is coming on the line to resolve this issue. The case # is : XXXX. The representative who opeend the case was XXXX XXXX. 

I want the daily interest to be refunded IMMEDIATELY and the  proper deal applied to my account. I have a screenshot of the deal that I will send or upload on request. Thank you.
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-03-16
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Accounts, 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.

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