davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-08-29
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

After my last dispute & complaint against this collection agency, they began reporting the two alleged collections accounts incorrectly on my XXXX credit report. The two accounts were originally reported as Open under the " Collections '' section of the report. As of XXXX  2023, PRA is reporting the alleged collections accounts as Closed under the " Other Accounts '' section of the XXXX credit report. On both of my XXXX XXXX XXXX credit reports, PRA is reporting them as Open under the " Collections '' sections. This is beyond confusing and ultimately frustrating when my legitimate creditors access my credit reports. This discrepancy makes it appear as though I owe duplicate alleged debt collections to PRA when I actually do not own duplicate alleged debt collections.
Consumer complaint received 2022-08-29
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-07-23
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. (PA)

I was checking my credit score with Experian after being rejected by XXXX XXXX for a credit card. I come to find out two XXXX XXXX XXXX credit cards in my name with unpaid balances. Account numbers XXXX and XXXX. I did not open any XXXX XXXX XXXX credit cards, but I was getting phone calls that the phone caller ID shows as XXXX XXXX XXXX with people asking if it is me. I disputed the issue with Experian who indicated the company reported the information was certified to Experian that the information is accurate. I know believe XXXX XXXX XXXX used my personal information to open unauthorized accounts based on the recent case involving XXXX XXXX XXXX. Any help would be appreciated.
Consumer complaint received 2022-08-29
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anywayXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK (IL)

Starting to try to close account in which Commerce Bank will not because they say I need to use my reward statements. There is no possible way to contact any number to redeem my rewards ( i want placed toward my balance ) and all the numbers listed do not work or if someone answers they transfer to a line that does not work or have anyone to know how to handle. Days and hours have been spent trying a simple transaction and I believe it is a strategy design to not allow a consumer to close an account with them. Highly illegal and should be looked in to. I am a senior and I am being discriminated against and this bank has illegal practices.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MRS BPO, LLC (TX)

A COLLECTION ACCOUTN WAS PLACED BY COLLECTION AGENCY MRS BPO ASSOCIATES ABOUT A ACCOUNT FROM DISCOUNT POWER. I MADE A DISPUTE THROUGH XXXX AND THE ACCOUNT FELL OFF MY CREDIT REPORT, HOWEVER I ALSO MADE IT THROUGH XXXX AND THE DISPUTE WAS UNSUCCESFUL. I CALLED THE ORIGINAL ACCOUNT HOLDER DISCOUNT POWER TO FORMALLY DISPUTE AND THEY PROVIDED ME WITH THE FOLLOWING INFORAMATION THAT MY SOCIAL SECURITY IS NOT MATCHING MY FULL NAME XXXX XXXX AND ADDRESS THAT IS ON FILE IS NOT MATCHING MY CURRENT ADDRESS THAT I HAVE OBTAINED FOR 4 YEARS. THE COMPANY AGREED TO REMOVE IT AS LONG AS I HAVE A FRAUD CASE REPORT TO PROOF THIS ACTIVITY. I ALSO HAVE FROZEN MY ACCOUNT FOR FUTURE FRAUDS TO BE HAULTED FROM BEING USED. XXXX HAS ALSO AGREEDED TO THE REDISPUTE WITH THE FRAUD REPORT
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I received notice from PORTFOLIO RECOVERY ASSOCIATES. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Again on XXXX XXXX I sent PORTFOLIO RECOVERY ASSOCIATES another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY ASSOCIATES on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

XXXX. Account number - XXXX XXXX. Account number - XXXX XXXX. Account number - # XXXX XXXX. Account number - # XXXX - IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY - ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-29
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: CAVALRY INVESTMENTS, LLC (CA)

CAVALRY PORTFOLIO ASSOCIATES - This collection agency has been reporting inaccurate information on my credit file since XX/XX/XXXX, violating my credit rights. I have made an attempt to contact the collection agency and they are not responding to my dispute. I do not owe this amount that were stating for {$3900.00} and {$670.00}. More importantly the collection agency were not able to provide me a validation of the debt even though I have requested this multiple times since XX/XX/XXXX. This is a clear validation of my credit rights, a degradation of my character, and a violation of FCRA.
Consumer complaint received 2019-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I believe I got discriminated against and taken advantage of because I am XXXX. Back when I took out this home equity loan, I was not explained the terms. The loan officer lied and mislead me to think this was a regular loan. When in fact over 8 years of paying it have paid XXXX and the equity line has gone down XXXX? How is this legal. The loan officer never one explained how the interest was going to be so high and never go down. I believe because I was XXXX, young and naive, she lied and took advantage of me. I have called the bank on more than one occasion to try and resolve and they have done nothing. Please help me. Look at this statement and tell me how they can take all my money and apply it to interest. How is this legal. The loan office never told me this would happen and that I would never pay it off in my life time.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

XXXX credit card ( Comenity Bank ) merged w Bread Financial and since then have not received 3 payments of mine totally {$750.00}. 
I've called EIGHT times. 
They hang up n tell you to call back... even trying to close the card for fraud they won't allow it. 
My bank, XXXX XXXX XXXX did a search and has proof it was paid and even gv me a previous card # for them to check. 
They state they can not find 3 payments and are charging me interest. 
XX/XX/XXXX {$350.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00}
Consumer complaint received 2019-01-28
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 (NJ)

I have been disputing a charge with Capital One Credit Card since XX/XX/XXXX. I purchased multiple tickets through XXXX XXXX using my Capital One credit card. However, during the purchase transaction, Capital One initially denied the payment due to security concerns. After resolving the security concern, I was able to purchase the tickets. Unfortunately, duplicate tickets were purchased and Capital One did not stop the payment when I purchased the tickets on the phone with them. I was told to call the Airline company so it could be resolved. I immediately contacted XXXX XXXX and was told I would lose my money and not be given any credit. I received notifications of a duplicate ticket from XXXX XXXX but again was not able to obtain a refund. Capital One attempted to get me a refund but was not successful. After 6 months of disputing the transaction with Capital One, I was told by a representative that I would indeed be refunded the amount of XXXX. I called Capital One again XX/XX/XXXX to inquire about my refund and was told by a representative that I would receive the refund but would transfer me to a supervisor to have it processed. I was transferred to the supervisor who then told me that I would not be receiving any refund and that the other Capital One representatives did not explain to him that I would receive a refund. In the end, Capital One was not able to obtain any funds from XXXX XXXX and lied to me on multiple occasions about getting my money back. Capital One asked for a credit voucher from XXXX XXXX in order to refund me any money. How do you get a refund voucher from the company you are disputing the transaction with?
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORG GC GP BUYER, LLC (KY)

Gc Services garnished my whole payroll check! my first check since XXXX. I received no notice, no warning it was just taken. the account was not in status for garnish. They were only allowed to take 15 per cent from payroll stated from one of their customer service rep. also Legal aid stated that also to me. It was a paper check, no bank involved, therefore they did no bank levy. It was intercepted from IRS. I Would like my funds reimbursted. Date taken XX/XX/XXXX. Amount of check XXXX. I RECEIVED NO DOCUMENTATION FROM THEM before or after. I called GC services company and made payment arrangements, so this wont happen again. I called KY State treasurer,  IRS, Department of Education, XXXX, XXXX XXXX, GC services about this issue and no one would or could assist me.Thank you
Consumer complaint received 2022-08-29
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

HELLO WAS TO THE BRANCH OF WELLS FARGO TO ASK FOR INFORMATION ABOUT ANY QUANTITIES THAT WERE OPEN IF MY AUTHORIZATION ACCOUNTS CHECKS AND SAVINGS WITH PENDING BALANCES PLEASE ELIMINATE ANY OPEN ACCOUNT TO MY NAME HAS NEVER HAD RELATIONSHIPS WITH WELLS FARGO THANK YOU. 
CALL MY XXXX.
Consumer complaint received 2020-11-25
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: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

In XXXX and XXXX I was at XXXX XXXX XXXX trying to the knowledge I needed to be a successful XXXX XXXX and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX XXXX however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XXXX XXXX and XXXX started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to XXXX and XXXX my position was given to someone else and I lost the tools that where given to me XXXX from XXXX  tools. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for XXXX up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I leased a vehicle from PRIORITY TOYOTA in XXXX XXXX when I lived in that state in XX/XX/2015. When I originally got the vehicle they told me that my payment amount would be XXXX and some change. At that same time my ex leased a vehicle also and needed a cosigner and they had asked me to co sign on the loan for him. At that time I was only making about 28000 a year and somehow I was approved for 2 auto loans equaling out to over 50k?  With that being said I remember the dealership acting kind of off about my income and I think they falsified my information. Anyways, I was making the payments on my vehicle and I decided to move back to XXXX where I am from because things did not work out with my ex and I. within 2 months my payment raised to XXXX and I was not notified about it at all. When they did that I had not found a job yet and so I got a little behind on payments but when I did finally find a job I went back to making the standard XXXX. payment because that's what I thought it was the whole time and now almost 2 years later I have been playing catch-up with them because they raised my payment, keep charging me fees, and there's some miscellaneous fees on there totaling over 300 dollars. Also, within this time my ex decided not to make payments on his vehicle so I now have that on my credit report as a charged off because of the whole situation. I have called TOYOTA FINANCIAL several times to try and resolve this and they were just rude and blew it off. I now have a XXXX month old baby and am a single mom and my car payment and me trying to catch up is just WAYYYY to much for me. So I am hoping with filing this complaint SOMETHING can get resolved because I feel like that dealership completely took advantage of a young girl.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

On XXXX XXXX, I made a payment to clear the balance on the account. Usually, when you make a payment the balance is updated immediately and available for use. This time it wasn't. So I waited and some hours and tried to use the card and it was declined numerous times. I contacted the company for help since I had never seen this happen before and they tell me that the payment is " on hold ''. They went on to explain that this process can take up to 10 BUSINESS days. So naturally, I asked why have I had this card for over a year and this is just now happening? The representative refused to answer the question or give any further detail but repeating the 10 business day statement. I am writing this complaint now on XXXX XXXX as I still can not use the card even though the payment has now completely cleared my bank and is no longer pending. Additionally, I had to dispute XXXX charges on this card back in XXXX and the disputes are STILL pending!? When I called to ask questions about this, all that anyone could keep telling me is that the process can take up to 90 days. 90 DAYS?! So in that time I have not had access to the full balance of the card and only about half of it for the past 90 days because they have still not resolved these disputes. Lastly, I have requested a credit line increase since I have had this card about XXXX times and have been declined every time with no explanation. My credit score has actually improved within the last year and still declined. It wasn't until that I did my research on these issues and complaints with this card until I noticed that this is a common trend and they have been in hot water for worse but released issues.