davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The account was under autopay at the end of my credit payments with XXXX XXXX XXXX. I called them numerous of times and they had said many times that it is being disputed on the credit report and it has not been disputed at all. All the payments during 2 years is all current. At the end of of the last payment, the company put late payment when it is current.
Consumer complaint received 2023-03-20
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. 

XXXX XXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX  : ACCT # XXXXXXXX XXXX XXXX : ACCT # XXXX and ACCT # XXXX, XXXX XXXX  XXXX ACCT # 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 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 2022-02-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

The drama continues. I just spent at least an hour documenting in great detail the problem I am having. I lost it all. 
Basically, and in far fewer words. I made a purchase from The Childrens Place on XX/XX/2021. I used Childrens Place credit card ( XXXX Bank. ) I paid the account off with my XXXX XXXX Credit card on XX/XX/2021, well before it was due. Comenity Bank has not given me credit for the payment. XXXX ( XXXX Bank XXXX XXXX ( Comenity Bank ) and I were on a conference call where XXXX XXXX gave detailed information proving I had paid this bill with my XXXX XXXX. XXXX stated he was submitting a complaint on my behalf. I have yet to receive any response from them indicating they are researching where the {$110.00} payment was applied. I have continued to receive statements with ever increasing late fees as well as interest. Ive called twice today to Comenity. No resolve. Ive spent at least 4 hrs attempting to resolve this issue. Is Comenity scamming ppl???
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Management Services, LP (OK)

Contacted this agency to resolve a debt that i had with XXXX XXXX, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from NCB ( see attach letter. ) I never received any validation of the debt from them but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt. Even though they are showing a 0 balance they are referencing some sort of settlement which is hurting my credit score.
Consumer complaint received 2017-07-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (WI)

My XXXX lease ended in XX/XX/XXXX or XX/XX/XXXX. I turned the car in a few days before the end of lease as I was leaving on vacation and had chosen the next car to lease. I have leased many XXXX ; this may have been my fifth or seventh lease. I have never been charged for excess wear and tear. Again this XX/XX/XXXX, I was told that XXXX XXXX had looked over the car and was willing to accept it with no additional charges due to the careful way I keep " my cars. '' I had had scratches and small dents repaired twice during the time I leased it and also purchased new tires in the fall of XX/XX/XXXX before taking a trip. Returning the leased car has never been a problem ; I have simply returned it to XXXX or the predecessor owner of the XXXX, WI., XXXX dealership. I believe I was told that XXXX would ( probably? ) be purchasing the car I was turning in and they knew the condition of the car in response to my telling them I had received a letter or call stating I needed to have the car evaluated by the bank ... so I could ignore that call. <P/>But then I began receiving letters from USBank starting that I owed them {$1500.00}. This came after I had turned the car into XXXX XXXX. They listed small scratches ; it appears they expect me to turn in a car that is completely untouched after a three year lease. <P/>I have talked with the sales person and the sales manager at XXXX XXXX in XXXX, WI., and they have said XXXX would deal with it. But I have had difficulty reaching those people again/or getting them to return telephone calls. I have given them weeks in between calls to have some information to give me. I have no reason to believe they have done anything regarding this problem.
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (PA)

Confirmation # XXXX On XX/XX/XXXX I submitted a complaint/dispute with Equifax and in this Complaint/dispute I made them aware that I was a victim of identity theft, I provided an FTC report/affidavit and a copy of my drivers license and Social Security card for security/identification purposes . Equifax responded to me via mail stating that upon reinvestigation, information you disputed has been received the results are : please contact the creditor directly and follow their internal fraud procedures inquiries are a factual record of file access. That is a direct violation of my consumer rights under 15 USC 1681i ( 2 ) Prompt notice of dispute to furnisher of information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Items disputed. 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2018-11-02
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. (TN)

XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate on my credit report ), XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX  ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX  Bankruptcy XXXX
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - XXXX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

Today,XX/XX/XXXX at XXXX Utah time, I recieved a summons from Express Recovery Services of XXXX XXXX, UT. At some point unknown to me, XXXX XXXX XXXX XXXX XXXX UT, hired Express Recovery Services to collect a medical bill debt from my wife that happened on either XX/XX/XXXXor XX/XX/XXXX. The problem is that we did not know Express Recovery Services or XXXX XXXX XXXX  were trying to collect for a bill due to my wife and I never recieved any kind of notice about the bill. Also, after some research of my own, I discovered that Express Recovery Services violated the " Notifying the Debtor '' clause of the FDCPA ( Fair Debt Collection Policies Act ) by not giving us a 30-day notice that there was a debt to be paid, the amount of debt, and ways to resolve it. Express Recovery Services, is suing my wife for {$520.00} plus fees and myself for {$220.00} plus fees. I believe that they are asking for more than the original amount and why I am included is wrong because I did not receive any medical services from XXXX XXXX XXXX. My wife was fully covered by medical insurance at the time of the service and the bill was most likely paid, but XXXX XXXX XXXX  sent us to collections anyway. We believe they are wrong for taking us to court because we had no knowledge of the debt.
Consumer complaint received 2017-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX. With a balance of XXXX I also request a copy of the application to open this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute the negative items listed on my credit report. Upon reviewing my report, I have identified several inaccurate and misleading pieces of information that have contributed to my low credit score. I request that you investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report immediately. 

XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report. 

XXXX XXXX XXXXXXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ).

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : STUDENT - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so.

I expect your prompt response and investigation of these matters, in accordance with FCRA Section 611 ( a ) ( 2 ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NBT BANCORP INC. (KY)

I received a message saying my loan has been approved from XXXX XXXX and XXXX  located at XXXX XXXX XXXX in XXXX NY. When I called them I was told I had to pay {$200.00} before I could get the money.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IL)

I have a Barclays XXXX XXXX card and have three unresolved issues.

1. My purchases at XXXX should be generating 4x points for restaurants however some transactions are only generating 2x rewards for online purchases whereas some are posting 4x points correctly. Customer service claims this is a merchant problem however it does not explain how the same exact merchant and transaction type is posting two different tiers of rewards.

2. I qualify for the $ XXXX/year streaming service reward for meeting a spending threshold. This reward is not being given to me - even though I charge several streaming services to this account, none of them are being credited back and the {$50.00} credit remains unused.

3. The transaction for sling should post 2x rewards for being an online streaming service. In fact, the marketing material for this card specifically lists sling as one of the qualifying streaming services. However, customer service is incorrectly claiming that XXXX is a cable tv service and doesn't qualify for 2x rewards.
Consumer complaint received 2024-02-01
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. (NJ)

While reviewing a copy of my credit report XXXX XXXX XXXX I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I made a large purchase, which was emailed to inquiry if indeed i made the purchase and to approve it, they approve it, but then restricted the account by the fraud prevention. This fraud prevention was never requested, and its being used by citibank to harass me, limit use the card. Its not the largest charge. On XX/XX/XXXX made a charge of close to {$9000.00} paying property taxes online. This time was {$4800.00}, calls to Citi are transferred to some call center. They dont understand or speak american english, and they can not assist. The overseas call centers must end. 

A customer in good standing should be able to charge and use their credit without being harassed or shunned by citibank 's employees.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've observed that my consumer reports contain illegal unauthorized accounts. This reporting agency has integrated this erroneous data despite my repeated warnings. The FCRA 's requirements have been consistently disregarded by this agency.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OR)

Unopened an account with KeyBank online on XX/XX/2023. I was working out of town in XXXX, Oregon. On XX/XX/XXXX the owner of the company brought us our paychecks. I went to the key Bank in XXXX to cash or deposit my paycheck. They told me there was a restriction on my account which didn't make any sense because I just opened it. They asked me for verification of my address and social security number. I provided it right then and there with the XXXX  manager XXXX XXXX in XXXX, Oregon. He was on the phone. They lifted the restriction. They took my check deposited. It gave me {$300.00} of it. So they said it would take a couple days but the restriction was lifted. I called on Saturday 3 days later they told me the restrictions were still there. I am currently working in XXXX, Oregon. I'm at the key Bank branch and sublimity Oregon after sitting on hold and talking to XXXX different people over the last hour, the holds are lifted. They check was cleared and yet I'm still sitting here. They're not giving me any of my funds
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

I received a debt collection notice from : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX This notice came in late XXXX and claims I owe a company called XXXX XXXX XXXXXXXX XXXX {$62.00} I have never had any dealing with a company called XXXX XXXX XXXX XXXX and it doesn't even appear to be a real company. I've lived in a condo for over 20 years and don't have any need for Fire insurance. I think this is FRAUD. Isn't there typically a bill from said company at least 2 or 3 times before it is sent to a collection agency? Not in this case. Out of blue, a collection agency or a bill that is not mine.
Consumer complaint received 2018-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tower Loan of Mississippi, Inc. (CA)

I saw this negative account on my credit report from TOWER LOAN for {$2800.00}. I sent Tower Loan a debt validation request letter on XX/XX/18, which they received on XX/XX/18. They have chosen Not to respond & ignore the request. It has been over 30 days & still no response.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

I received a Visa gift card of {$100.00} from my supervisor as a congratulatory gift for my XXXX on XX/XX/2018. I activated the card on XX/XX/XXXX to use in the future and saw that it had a balance of {$100.00} once activated. I tried to use the card on XX/XX/XXXX at a store, but was denied because the balance was XXXX. I checked online and saw that someone used the {$100.00} at a XXXX convenience store in XXXX XXXX, CA, which I am nowhere near ( I live in XXXX  XXXX, CA ) on XX/XX/XXXX at XXXX XXXX. I have proof that I was nowhere near the store on that day and time, as I was already checked into the hospital on XX/XX/XXXX around XXXX XXXX  and gave birth on XX/XX/XXXX morning. Proof of this can be provided upon request. 

I called XXXX on XX/XX/XXXX to contest this fraud, but the Visa phone representative said that she experienced the same fraud and has not gotten her money back yet. No help given. She said I will have to submit loads of evidence and if I'm lucky, I will get it back maybe in three months.