davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

Back in XX/XX/2017 I placed an order at XXXX XXXX online for my daughters clothes. I never received the package and XXXX XXXX was supposed to credit my account ; since I never received or signed for the items I had to repurchase them. 

I have never been credited and they are expecting me to pay for items that I NEVER received. 
They call my phone at least 10 times a day from restricted numbers threatening me that they are taking further action and now they are calling my parents and my aunts and uncles home phones.

This is HARRASSMENT and I want it to stop!!!!!!!!!!!!!
Consumer complaint received 2021-11-05
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. (GA)

I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) Incorrect Address : XXXXXXXX XXXX XXXX and XXXX XXXX ( Equifax ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX XXXX. XXXX Loans - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX XXXX XXXX - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX  - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX  XXXX ( XXXX And XXXX ) - Bal : {$1600.00}
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC. (OK)

I have a collection on my report that is a duplicate and the company has not removed one of the collections. They have not sent me what the collection is for and there is no detail on the my report where they came from either. I've tried to dispute with the bureaus but haven't gotten a response from them either. Please help me to get this removed as it is not owed.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

I successfully disputed an item from XXXX XXXX on my XXXX report. I sent the 609 letter to Equifax on XX/XX/2020, The item was removed from my XXXX report. I was upset to see the item from XXXX XXXX back on my XXXX my Equifax report.
Consumer complaint received 2022-04-01
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Consumer complaint received 2021-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, my CD matured, and because of the low interest rate it was suggested that I deposit the monies in my money market savings account which I did. On that date I was informed the interest rate was XXXX XXXX, that it could change any day. On XX/XX/XXXX, I had another CD mature. In visiting the bank, I learned the money market account new rate was XXXX XXXX and that the rate had changed on XX/XX/XXXX, the day before I was quoted the higher rate. XXXX XXXX, the branch XXXX, was present at the XXXX conversation and was unable to explain why their screen showed an incorrect rate. She agreed to submit an inquiry to the Corporate office. On XX/XX/XXXX, XXXX XXXX called and stated she was told that the money market rate of XXXX XXXX  was correct, nothing can be done and I would be receiving a phone call by XX/XX/XXXX from the Corporate office. On XX/XX/XXXX at XXXX, I received a phone call from XXXX XXXX of the executive office. I asked XXXX XXXX if he had spoken with the branch XXXX. He said no. I asked if the system at the branch was on real time. I needed to ask this question several different ways to finally get an answer of yes. Then if so, how could two people at the branch see a different rate than what was actually in effect? I was not pleased with my conversation in that XXXX XXXX did not seem to understand my complaint and all he wanted to do was confirm that the money market rate was the correct rate being offered by Santander Bank. The entire transaction lacked transparency and credibility.
Consumer complaint received 2018-02-23
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: EQUIFAX, INC. (CT)

I disputed a collections account from XXXX XXXX with XXXX on XX/XX/ 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Consumer complaint received 2021-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I subscribe to XXXX XXXX XXXX XXXX provided by capital one as I am one of their customers. I noticed a new account was opened by capital one/ XXXX in my name in XX/XX/2020 and it was fraudulent as I never applied for this particular credit. I called capital one to notify the problem and they said they were able to close the account before any fraudulent charges were made. They said they would notify the credit bureaus and handle the issue. I saw on each credit report in XXXX that the original inquiry was still showing for this fraudulent account and lowered my credit score. I called capital one and was told I needed to dispute the inquiry with each bureau. I thought this was ridiculous since capital one allowed the fraudulent account to be opened in my name in the first place. Regardless I disputed the inquiries and XXXX removed itXXXX XXXX claims it was validated by capital one and remains, and XXXX XXXX has yet to get back to me. I called capital one to complain as I felt they should correct this on their own as it was their negligence that lead to the fraudulent account being opened in the first place. They then tell me I need to send a letter including my social security number, dob and all credit report inaccuracies to a P.O. Box to get this resolved. Who in their right mind would mail all their private information via us mail ( which has had major issues of late ) and risk that letter being lost or stolen and fall into another persons hands to possible steal my identity again? This is the policy for capital one? It is ridiculous and I should not have to risk further exposure in the process of fixing their original mistake and lack of internal controls. 

XXXX  had no issues with removing the inquiry yet XXXX has given me every problem in the world even filing the dispute and then coming back with a completely inaccurate validation of this fraudulent inquiry. 

Capital one has a responsibility to fix this problem as it originated from their operation, not from me. 

Please advise as I am fed up dealing with these companies.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (GA)

I was determined to be XXXX by the Social Security Administration. Although I received financial benefits I was not eligible for regular XXXX. I applied to the XXXX XXXX XXXX XXXX ( XXXX ). I was determined eligible at 100 %. 

My doctor decided it was time for me to have XXXX. After the XXXX I inquired to XXXX regarding unpaid bills. The XXXX billing office ( which I visited in person no less than twice ), referred me to XXXX XXXX 'for help applying XXXX ' to the unpaid bills. Instead of 'applying XXXX XXXX to bills ', XXXX XXXX said they were sending me a " XXXX application '' in the mail to sign. The documents I received were little more than a debt collection attempt. Documents authorized full access to my social security XXXX file appointing XXXX my authorized representative -and- granted XXXX XXXX access to all my financial records. I told them I would apply for XXXX on my own and would not make them my authorized representative. 

XXXX XXXX then marked my file " Non-Compliant '' which revoked all access to XXXX XXXX XXXX  XXXX a.k.a. XXXX XXXX '. I appealed the denial/revocation of XXXX XXXX. 

At that point XXXX XXXX XXXX ( speaking as XXXX XXXX with access to all communications with XXXX  and XXXX  ) wrote many emails to the effect that I was in fact " non-compliant with XXXX XXXX ''. When I presented documents and telephone transcripts to the effect - I did apply for XXXX, was approved for a XXXX Spend Down, and the only objection I held was releasing my entire life to XXXX my appeal was said to be won and I was again eligible for XXXX XXXX ( XXXX. ) -- at least I was on paper. However XXXX XXXX XXXX then reported to XXXX CEO that I was " non-compliant '' with XXXX  XXXX. CEO XXXX XXXX wrote me to get in compliance and only AFTER XXXX paid all the portion not relating to my spend down XXXX XXXX would cover the balance. 

XXXX/XXXX had/has no record of my non-compliance. When questioned in person, there were no documents to sign, etc. XXXX/XXXX simply told me to submit the bills for payment -- nothing more. Bills went into collections. The final statement I received from XXXX showed a balance of {$3000.00} - a balance that would coincide with my spend down portion. However the balance in collections is {$6600.00} - more than double the amount of my most recent XXXX statement. I have had no new XXXX appointments, proceedures, etc. 

I believe XXXX/XXXX used retaliation tactics to not only deny me access to healthcare ( at a vulnerable time immediately after my XXXX ), but also created medical debt that should not exist. I believe XXXX/XXXX has not only broken public law, but also behaved in a manner lacking every possible code of ethics.
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (TX)

Lender Fees are Usury and its lending practices are predatory. Texas law allows only a 10 % annual interest rate on a secured loan I borrowed XXXX dollars against the Title of my XXXX XXXX XXXX. I was told it a was only a 30 day loan. I was told the interest would only cost me XXXX. dollars if paid within 30 days. 
.The contact terms the company set was a six month payment term with interest fees that the total would be. {$8600.00} for a 30 day loan of XXXX I bring home XXXX a month before expenses. I was not told I could have opted out of the contract in three days.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I paid this vehicle off and 6 months early at that!! There is something wrong here!! They sent in a report that said we were late on vehicle payment. This is not true!!! I made an extra {$4200.00} payment alone in XXXX and then paid it off in XXXX. I've never ever missed a payment on anything and I've been making extra payments. I just got the title yesterday. Never got anything saying I was late on anything. How dare you!! Please look this over again and take this off my credit report and my husbands!! Someone made a mistake and I will got to an attorney if this isn't fixed because it is an error.
Consumer complaint received 2024-01-31
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. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$800.00}
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. (WI)

The following companies did a hard inquiry on my report fradulent without my authorization and has failed to provide proof of me applying for the account 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 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 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

BACK IN 2019 THERE WAS AN ACCOUNT OPENED IN MY NAME WITH NAVY FEDERAL CREDIT UNION. THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION. SINCE IVE NOTICED THE ACCOUNT OPENED IVE WRITTEN LETTERS TO EACH CREDIT BUREAU, IVE CALLED THE CREDIT BUREAUS, IVE WRITTEN LETTERS TO NAVY FEDERAL AND CALLED THE BANK AS WELL. THE ACCOUNT HAS A {$11000.00} BALANCE. THIS IS CREATING SUCH A HARD SHIP ON MY LIFE I DID NOT OPEN THIS ACCOUNT. PLEASE HELP ME
Consumer complaint received 2021-02-28
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. (MO)

XXXX XXXX XXXX XXXX reporting to Equifax credit card account not belongs to me, this same account i was disputed and removed in 2020 and now XXXX reporting again the same.
Consumer complaint received 2023-02-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (AR)

I requested early withdrawal of XXXX from Axos Bank that bought out XXXX in XXXX in amount of {$45000.00}. I still have not received my money. The account balance shows XXXX. I requested the funds be deposited into my local checking account and was twice sent the wrong form for a wire transfer. In XXXX, 2022 I finally requested a cashiers check. I was told it was mailed to my XXXX XXXX address on XXXX XXXX. I have not received it. Today is XXXX XXXX and all the person on the phone would do was give me a case number and wouldn't transfer me to anyone else to discuss. I have seen numerous complaints online some the exact as mine. I am XXXX XXXX XXXX and never had these problems with managing my CD. Your assistance would be greatly appreciated. I feel like these are stall tactics and I want my money.
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (CA)

Hello, I asked for a investigation not a digital update Ive attached proof.. FOR JUST ONE, of the the few creditors stating they had no contact with you. Ive been investigating your what you said is correct disputing inaccurate information that was digitally sent to you and you didnt investigate. 
I have proof of from a few creditors that you did not investigate.. if you cant prove the investigation please change the information also can you please unlock my online profile
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-04-21
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit Systems repeatedly keeps adding and removing false debt from my personal credit. I have stated in numerous disputes and complaints that this debt doesn't belong to me and that they need to remove it. Instead they keep adding and removing the debt from my credit and not removing it permanently. They continue to violate the FCRA by not providing substantial evidence, like the original contract to support their claim. Please have this company to remove the inaccurate information from my credit report.
Consumer complaint received 2022-09-11
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. (NV)

Equifax and XXXX are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request XXXX and Equifax to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my report.
Consumer complaint received 2020-09-12
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. (FL)

i have sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing