davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (VA)

I bought diamond earings from XXXX XXXX. They refered me to a third party bank for a credit card. The bank is Comenity Capital Bank. I was told by the bank that my credit card was mailed as well as statements. I have recieved none via mail. I want to pay the balance but the bank will not give me my Credit Card Account number. so I can register to pay online. I have not receieved any statements. The bank is saying to give them my bank account checking route number to pay the balance. I have no way of protecting myself of fraud if I send them the money. Can you help me. All I want to do is pay the balance and close this account. This bank is a fraud. I read many complaints on XXXX regarding the same issue.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On Tuesday I contacted Capital One because I need to reset my pin number because I have a got it they was on able to do so so the agent sent me out a new pin number in the mail and she told me that I can go outside of any bank and do the cash advance so I asked her if I do that when I received a fee for that she said no and I said OK fine well today I notice I received a {$10.00} fee so I contacted Capital One and asked him about it and I asked XXXX wants not twice but three times for them to play for me on hold and to have their car retrieval because the agent told me I was not going to receive that fee every time up contact Capital One Im being told different information and is kind of frustrated as a customer so I think at this point that fee needs to be taken out as my inconvenience
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (KY)

Ive called the bank multiple times due to fraud on my account was hacked information was stolen also {$250.00} child tax credit was deposited into the account that it was closed or blocked and they assured me the day before they were that that check could not go into the account which it did and then they charge me {$130.00} of overdraft fees when the night previous to the deposit there was no charges on the account. I have contacted 100 times Ive recorded the phone calls as well they will not transfer me to the correct department or etc. Citibank has stolen and held in withheld my funds.
Consumer complaint received 2022-07-16
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. (PA)

This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-06
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. (CA)

I have 3 account with XXXX XXXX XXXX that is not being reported to my XXXX  or XXXX date They also show as closed but it was paid in full on the transunion account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.
Consumer complaint received 2021-07-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motor Finance claim I still owe {$680.00} when the car was totaled and my Gap Insurance covers the entire balance but theyre still reporting a balance when it supposed to be deleted off my credit report on XXXX XXXX and XXXX. I have recorded conversations and documents stating that this account was going to be deleted off my credit report once Gap covers the balance which they did. Now I will be filing a lawsuit in small claims court because my life has been messed up for 6 years from Kia Motor Finance for their injury to my credit report.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 2021-03-05
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: JPMORGAN CHASE & CO. (NY)

On my reports there is a closed account with huge amount of missed payments. JPMCB CARD SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-17
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 (NC)

On XX/XX/2022 I purchased hockey tickets online thru XXXX for the XXXX XXXX. I used a card on file. I immediately received an email from Capital One that the transaction was declined because I was using a cancelled card. I went back to the site where i got the tickets and purchased a new set of tickets. I sldo emailed the merchant to inquire about the transaction that was declined and they ssid that both transactions went thru. When i looked in my credit card app both items were on it. I immediately called Capital One and disputed the transaction that Capital One said was declined. We went to the game on XX/XX/XXXX and only used the second set of tickets. I received a message from Capital One requesting more information. I sent it in. I received another message saying i didnt send what they asked for so they are denying my credit for it. I wouldnt have bought a new set of tickets if it wasnt for Capital One saying the card was declined and then they let that same transaction go thru.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Activehours (MN)

Today, XX/XX/2021, I used the app called Earnin to make a cash out of {$100.00}. I clicked cashout and like the app promises, it's not obligatory to pay any fees. Instead, the app didn't even have an option to accept or decline any charges, it just automatically charged a pre-set tip amount that the app forcibly charged ( by fraud ) without my consent and without any approval. Instead of clicking ok or anything, I closed the app. I didn't even authorize it. I contacted the company via email and got an autoreply saying they don't monitor or reply to contacts. 

I asked Earnin to refund this illegally charged fee and remove the transaction. They refused to do so. I told them this is fraud and that I was also contacting the XXXX XXXX store because charging unauthorized fees like this is fraud and violates the app store terms of use. 

The person representing EarnIn continued being rude and refused to give me back the money they stole.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX  XXXX XXXX XXXX XXXX  TX,XXXX  XXXX XXXX  XXXX XXXXTX , XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

I came down with Covid back In middle of XXXX and had to be out of work for 2 months due to the complications I was experiencing after the sickness. The doctor I was seeing finally released me to return to and on XX/XX/2022 my job terminated my employment while I was on leave which I didnt understand. Im currently unemployed and searching for a job so far havent received any calls yet.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$3100.00XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$13000.00XXXX XXXX XXXXXXXX Balance : {$630.00}
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. 

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a online dispute with Equifax on XXXX on their web site and got response in less than 10 hr the they verified info from the credit vendor a call credit card XXXX XXXX they status that getting a result from them in the short of time its impossible also for filing that dispute my credit score drown XXXX points a called Equifax to try to correect this issue or for them tto put my credit file back to the way it was before score drop.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2023-03-29
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. (NV)

I received a copy of my credit report and seen a lot of inaccuracies. I filed identity theft with the XXXX XXXX police after realizing i was a victim of the crime. I 1st tried to settle the problem with the credit bureaus directly. I sent the all the documentation stating the situation and nothing has been done. I have not received anything of it being settled or deleted. I have provided information that my information has been in multiple data leaks. Enclosed are all the documentation as well as tracking receipts.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX # 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 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I hired Lexington Law to correct my Mortgage company reporting lates under Cares act. They told me the lates were removed and when going for a loan they said they were not removed. I hired them for a year to work on removing this and paid them XXXX a month for 12 months two account My wife and I had the same reporting issue. We paid them over XXXX dollars and was told it was removed and lied.
Consumer complaint received 2023-03-29
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. (CT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Consumer complaint received 2021-07-17
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: CURO Intermediate Holdings (MO)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-12-23
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. (CO)

In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I have a Citibank account. I paid my Best Buy Account of {$58.00}. Today, Best Buy, which is part of Citibank, went into my account and took {$250.00} without my authorization. I have been making regular payments on this account, and today they decide to take an additional {$250.00}. Citibank said there is nothing they can do and Best Buy is saying the same. What rights do we have when it comes to our bank accounts? How can I get my money back?