davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I have a general use Credit Card with Barclaycard. I was incorrectly charged interest when my bill was paid in full, in its entirety before the due date. My current cardholder agreement states, " Paying Interest : Your due date is at least 23 days after the close of each billing cycle. ***We will not charge you interest on purchases if you pay your entire balance by the due date each month. *** We will begin charging interest on balance transfers, checks and cash advances on the transaction date. '' My due date was XXXX. I paid the bill, in full, on that date. Three days later, on XXXX, I was charged interest of {$290.00}. 

The company can't, or won't, explain why the charge is valid and are indicating that it's interest due from XXXX and XXXX of XXXX which they billed on XXXX. Obviously this doesn't make sense. 

I am seeking to have the incorrect interest charge waived in its entirety.
Consumer complaint received 2020-02-06
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: CITIBANK, N.A. (CA)

I've recently checked my credit report from XXXX   and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-06-12
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I have already complained about funds stolen from my prepaid cards XXXX and XXXX ( see case # XXXX ). 
US Bank responded on XX/XX/17 that I should sent them email with my driver 's license, copies of receipts and copies of my cards and then they would send me refund. 
I am unsuccessfully trying to get this resolved since that. I have sent them all this information several times, however no resolution was received. When I am trying to get the status of my case I am getting back emails that my case was closed. The last time I received a response that my email was received without attachment, although I have sent it with attachments several times. Moreover, they should already have a copy my driver 's license, receipts and copies of my cards because I faxed all this information to them in XX/XX/XXXX when I opened my case. It looks like they are just not interested in resolving my case.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2019-04-09
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: CITIBANK, N.A. (MI)

I wanted to purchase XXXX XXXX  from Best Buy. They displayed an offer to apply for a Best Buy CitiBank visa card and get 10 % back in rewards if I pay with the card. I applied for a card, my application was approved and I paid $ XXXX+tax= {$630.00} with the card. Later it turned out that they is lied. Instead of issuing a statement credit of 10 %, they have promised to issue certificates worth of {$55.00} ( LESS THAN 10 $!!! ) that can be used only to make purchases in Best Buy. I called the credit card company and talked to a representative and then to a supervisor. They refused to offer a satisfactory resolution. I said to them that I am not planning to shop in Best Buy any time soon. I said they must disclose in their offer that the reward points can be used only to get certificates for making purchases in Best Buy. This was not disclosed in their offer ( their offer is attached ). If I knew that I can only get certificates to use them in Best Buy, I would never apply for this credit card. I could use another card that gives better benefits. I strongly believe that what they have done is HIGHLY DISHONEST. I hope you can assist me in finding a resolution.
Consumer complaint received 2019-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (IL)

After checking my credit scores, i discovered a derogatory mark on my credit from XXXX XXXX XXXX as the original creditor. The date of the mark in question is from XX/XX/2014 ( 4 yrs, 11 mos ). The mark in question was placed for collections to CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which after digging around online, I found that this collection agency not only has some questionable history, but is also based out of Texas. According to certain laws if the debt collector does not have the proper license to collect from certain states, then it is blatant fraud. I WANT! This derogatory mark REMOVED FROM MY CREDIT HISTORY AS I NEVER SIGNED UP FOR XXXX XXXX XXXX Because at the time where i was living XXXX XXXX WAS NOT AVAILABLE IN MY AREA FOR SERVICE. I deemed this derogatory mark as fraudulent and has damaged my credit history. 

Sincerely : XXXX XXXX.
Consumer complaint received 2019-04-06
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. (OH)

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX   # XXXX**** XXXX XXXX # XXXX**** XXXX   XXXX  # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX   XXXX XXXX : XXXX v. XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXXY # XXXX**** XXXX  XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX  # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.
Consumer complaint received 2021-02-09
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. (NY)

On XX/XX/20 I have sent out letters to all three bureaus XXXX XXXX and Transunion about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.
Consumer complaint received 2020-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

I saw a NEW collection account to a company I do not owe in regards to an XXXX XXXX XXXX account I no longer own as i returned their devise. I filed a dispute with the XXXX and the company ( Sunrise Credit Services ) has continually " flagged '' my account as collections numerous times causing my score to drop by continuously drop they filed on XX/XX/2020 the next day my score decreased by 19pts they flagged it again on XX/XX/2020 and my score decreased now by 10pts. 

Right now i am in the middle of credit repair to purchase a home and the constant unnecessary reporting is retaliation for my dispute while also damaging my credit in a an attempt to prevent me from obtaining credit.
Consumer complaint received 2017-11-16
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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc. (MI)

On XXXX XXXX I called a number given to me by a XXXX store representative to talk about removing a collection from my credit report if it was paid in full. I had previously settled for less than the full balance but wanted to know if I was able to have it removed if I was able to pay the remaining balance. When I called the number on the phone a second representative and I went through a long processes of confirming my identity because the account was so old that I did n't remember any of my old security information. After I was eventually able to confirm everything I asked him if by paying the account in full the collection would be removed. He said that doing so would remove it so I paid the remaining balance over the phone then filed a dispute with each credit reporting bureau to make sure that the collection was updated and removed now that the full balance had been paid. Today I received the first results of my dispute from XXXX telling me that the collection will remain on my report until XXXXe 2019. It bothers me that I was misinformed by two separate XXXX representatives about the outcome of paying off the remaining balance and then the fact that doing so will result in no change whatsoever.
Consumer complaint received 2023-07-25
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. (FL)

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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-02-09
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: Experian Information Solutions Inc. (NC)

XXXX  report of account as derogatory is inaccurate account has been paid in full. XXXX  report of status as repossession is inaccurate. Experian last reported and last active date is inaccurate.
Consumer complaint received 2023-01-28
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. (CO)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
Product: Credit 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. (RI)

I have an Ulta rewards credit card. I have not used the card since XX/XX/. I made a purchase XX/XX/. I decided to look into my past purchases to see everything i order and the shipping status and noticed there were 5 transactions On XX/XX/XXXX  that I did not make. XXXX of these transactions were cancelled, however, someone made an actual transaction with my ulta credit card and picked up the Item in store. I looked at my credit card transactions and there was the purchase on my statement. I called the number on the back of the card 3 times, tried to get ahold of a real person to talk to but the automated robot would not transfer me. I reported the fraud to XXXX XXXX. I then called the ulta number again and decided to cancel the card and account. The robot said a new account was opened and ill receive a new card soon, but that doesnt help with the charges made from the person who stole my credit card information.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am filing a complaint against Bank of America Alaska Airline Visa. The nature of my complaint stems from a fraud report and reversal of the decision by the Visa company to hold me harmless for those charges. On XX/XX/2019, I was at a local middle school conducting a classroom observation as a part of my job. I was at the school from XXXXXXXX XXXX to XXXX XXXX working with the teacher and her students. I had put my briefcase that contained my wallet under the XXXX desk and conducted my business in the classroom. I left the school at approximately XXXX XXXX and stopped at a gas station to purchase fuel. When I opened my wallet, I found that the Alaska Airline Visa card, XXXX XXXX Visa and my XXXX card were all missing. I immediately called all 3 credit card companies to report the loss and was assured that the card was blocked. I was also told that my Alaska Visa had 2 charges on it, one for {$930.00} and one for {$760.00}. These charges were made at XXXX. I was assured that because I reported immediately, I would not be responsible for those charges. Two months later, those 2 charges were placed back on my credit card without a call nor an email. I immediately called Alaska Airlines Visa to ask what happened and they said that I " benefited from the charges '' and blithely asked if I " wanted to reopen the case. '' I was dismayed and angry and started my own investigation. XXXX was very helpful to conduct research to find that the {$760.00} charge was for XXXX XXXX made at XXXXXXXX XXXX and the {$930.00} for a handbag and XXXX shoes made at XXXX XXXX. I am an educator in the public-school system. I do not purchase bags for {$650.00}! I have never spent that kind of money on a handbag and do not even carry a handbag. You are welcome to call XXXX to inquiry about my spending history to confirm. The bigger insult is the {$760.00} for the XXXX shoes. I have severe XXXX in my feet and could not fit my feet into these shoes if I wanted to. I can get you a doctor 's note to that effect. I am livid that I am accused of benefitting. This credit card company is taking advantage of me. I made the call within one hour of the purchases to report as I was required. I have witnesses that I was at the middle school during the time of the purchases. I am deeply insulted that I would be thus accused when I was the one violated. Both XXXX and XXXXXXXX XXXX honored the fraud expenditures by holding me harmless of the charges. We have been with Bank of America for over 30 years. I would expect to be treated with more dignity and respect. Please let me know if you require confirmation and witnesses of the above report. Alaska Airline Visa needs to be exposed for taking advantage of a senior citizen.
Consumer complaint received 2019-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (VA)

I tried setting an account with credit karma, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX Consumer Law 15 U.S.C 1681-A states a consumer report does not include report containing information Solely as to transactions or experiences between the consumer & the person making report. This statement implies that late payments/ charge offs arent allowed to be reported unless access is granted by me. For This reason I request that all 4 delinquent accounts be removed from my report. Furthermore my social security number is XXXX. On my experian account it says XXXX. I demand this be fixed ASAP. Finally, the only number I want on my credit report is XXXX. Everything else is outdated. 
To clearify ; I would like my XXXX XXXX late payments/ charge offs removed from XXXX XXXX until I would like XXXX XXXX XXXXXXXX  late payments removed from XXXX XXXX until I would like my XXXX XXXX XXXX  card late payments removed from XXXX XXXX until I would like my soft inquiries removed from my credit report I would like my social security number fixed I would like XXXX to be my only number reported Sincerely XXXX XXXX XXXX
Consumer complaint received 2018-04-03
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. (FL)

I have filed a complaint with CFPB on my Equifax credit report, and my complaint # is XXXX. I have recieved an email from CFPB that Equifax has responded to my complaint and they have closed the complaint. 
The equifax says that the hard inquiry that I complained about is not reporting on my credit report. But, today, I got my Equifax report online, and the hard inquiry is still there! 
I don't know how they have made the mistake!