davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (OH)

On XX/XX/22, I visited the XXXX XXXX furniture store on XXXX XXXX. in XXXX, OH. Upon entering the store, I was told that they had two financing options were available, a three month zero interest financing plan available to everyone and a 12 month zero interest option available to well qualified customers. After filling out the financing application in the store, I was told by the store representative that I qualified for a {$2000.00} credit line at the well qualified buyer rate of 12 month zero interest financing though Fortiva Retail Credit. At the point, I decided to purchase a living room furniture set costing {$1300.00} using the offered 12 month zero interest credit line. On XX/XX/22, after making a number of on-time monthly payments, I looked at my credit statement for Fortiva, and was surprised at how much was still left to pay off. After further investigation, I discovered that I was being charged 29.99 % interest from the time of purchase! I immediately called the Fortiva Customer Service line and was told that no type of promotion was found in my file. I was then directed to call the store, XXXX XXXX, to have them apply the financing promotion, and that I would be credited back the unfairly applied interest once this was done. On the morning XX/XX/22, I called XXXX XXXX. After going through the issue with the store manager, I was told that the promotion is something Fortiva handles and the store has no involvement. After making several more back and forth phone calls, I was ultimately told by the XXXX XXXX corporate office that they were aware of this misleading promotion, but there was ultimately nothing they could do. I feel completely taken advantage of by both XXXX XXXX and Fortiva Credit! I made this purchase under complete false pretenses, and had I known that I would be charged 29.99 % interest immediately, I would have either paid for everything upfront or sought other financing options at another store. I paid off the full balance today to prevent incurring further interest, however I absolutely feel that I should be refunded the two months of unfair interest that I unknowingly incurred as well as the {$79.00} application fee! This is an absolute scam and I want to ensure that other customers are not egregiously taken advantage of in the same manner I was!
Consumer complaint received 2023-02-22
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. (NC)

Submitted an Equifax investigation into error on credit report for a closed loan in XXXX. They continue to report an error in XXXX although the loan details clearly state loan was paid off in XXXX. 
They investigated and updated details stating as much, but continued to report a status code in XXXX while showing it was paid and closed in XXXX. Incompetent at best, negligent and fraudulent at worst. 

The company has told me to dispute it with Equifax and it has not resolved anything.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to  another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at Experian about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that Experian advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both Experian and XXXX  that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (NV)

I, a XXXX XXXX moved about {$26000.00} into bread savings on XX/XX/2022 in order to take advantage of the high yield savings. After waiting my XXXX hold for funds to be cleared, I decided to move {$1000.00} back into my funding account in order to pay some bills. I was then restricted when attempting to move the funds. I called customer service, and they told me that my account was opened recently and that I needed to wait the 9 days, yet it had been over 14 days. They then told me there was a security concern with my account and that was why they had a restriction on it. I then received instruction on how to life the restriction by sending in SSN card, government ID, and proof of ownership of the funding account. After doing so the account restriction still remained. After several attempts to contact the account restriction team, and ask what more needed to be done to lift the restriction and I was met with no solution. Instead I was told that the account was being closed per the account agreement. I attempted to ask why they were doing that, and they said that the information could not be given to me. I thought that it was my right to know of suspicious activity with my account, considering there was sensitive information shared on the encrypted chat ( ie SSN, drivers license. ) They then told me the money in my account would be transferred back to my funding account in 3-5 business days. This began around the end of XXXX. I can not get the exact date because my account keeps getting locked. I then called to get an update on the transfer after 5 business days and they told me it would appear in my funding account the following Monday. It is now the following Monday, and I sent a message to get another update because I need this money to live. I them received this message, " My apology for the delay. I do not see the transfer of your funds processing and the account is still rest [ r ] icted. '' The fact that this long promised transfer has not even been started and I have been heavily misled by many employees about the status of my savings and security of my funds. I have had no choice but to alert the CFPB, which brings me to here, XX/XX/2022. Over a month after my money was originally moved to the savings account.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Today, XX/XX/2022, I received an email ( attached ) from Capital One stating they are closing my accounts, both checking and savings. I logged into my accounts online and each has a banner stating '' Funds not available for withdrawal '' ( screenshot attached ) and I was unable to make any transfers or do anything in the account. There are NO branches near me, not within this state or the next one, so I have no options to physically visit a branch. They did not give me any reason. They provided an open-end date for when they will return the money in my checking and savings accounts. Total amount is {$1900.00} ( checking plus savings ). I need that money for my rent which, like most American 's is due by the first of the month. I had been on hold for more than XXXX minutes and spoken to the customer protection XXXX at Capital One ( " XXXX '' ) and asked for a supervisor, which she was not willing to connect me with, even though I was calm and clearly asking for a specific date that my money would be make available, she said " I'm just trying to understand your frustrations '' like anything about my situation is unclear. I was passed on to " XXXX '' and he said the outstanding balance is greater than the funds available. None of this makes sense to me! Capital One is an FDIC insured bank and it is illegal for them to hold my money and make it unavailable to me. I have banked with Capital One for over XXXX years, so this is very frustrating and shocking.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Transunion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX, XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This XXXX XXXX credit card account has been reported to Equifax because it has been reporting inaccuracies for years and the issue was never taken care of. This account is reporting a positive and current payment history, but it states the date of last activity and last payment was made in XX/XX/XXXX. It is also reporting as a collection/charge off, but has been reporting a positive payment history until XX/XX/XXXX. It is also reporting a high balance, but does not have a credit limit which can not be possible. How can this continue when it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation?
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believed that it was mistake by Paypal, My transaction in my Paypal account XXXX last XX/XX/2022 was held by Paypal. After 6 months or 180 days more Paypal was taken my money in my Paypal account. It is unfair for my side. Paypal, please return it to me. I need that amount for my emergency purposes.
Consumer complaint received 2023-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

There is a debt/charge-off still reporting on my consumer report where XXXX XXXX, XXXX XXXX had agreed to dismiss debt in the court as of XX/XX/2022. This debt/charge-off should not be on my consumer report.
Consumer complaint received 2022-08-15
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-19
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. (TX)

Equifax is illegally reporting an account on my credit report. I have disputed this account numerous of times and they are stil reporting it. Equifax will not verify this account. I do not recall this account as I have stated previously and they still will not remove it. They are the only credit bureau reporting this alleged account
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

On XX/XX/XXXX I received a collection letter from Collection Services of Athens stating that I owed a past-due bill of {$360.00} from Athens XXXX XXXX for XXXX rendered on XX/XX/XXXX ( XXXX  Account Number XXXX ). Upon calling Collection Services of Athens on XX/XX/XXXX to inquire about the nature of the bill, I was informed that I owed an additional {$780.00} for services rendered on XX/XX/XXXX to XXXX XXXX XXXX Athens ( XXXX  Account Number XXXX ). I had not received any prior communication from any of these XXXX entities prior to this and it seems to me this is grossly unfair being as I'm on a fixed income. When I asked why nobody had contacted me prior to XX/XX/XXXX, they responded by saying letters were returned, phone calls not answered and they weren't in the habit of leaving voicemails. Although I did move from XXXX GA to XXXX GA in XXXX, I did put in an official change of address with XXXX. As far as the XXXX bill goes, I was at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA until XX/XX/XXXX. So there's no excuse other than their incompetence for me not receiving XXXX # XXXX. Insofar as bill XXXX goes no bill was sent to XXXX XXXX XXXX XXXX, GA. My phone number has been the same since XXXX, yet I have received no phone call from either of the XXXX entities. I'm not even sure what services I received or where the services were provided nor what medical insurance I was using in XXXX. In XXXX I was using a prior XXXXXXXX XXXX provider ( XXXX ) and I'm sure any right to appeal any lack of coverage has long since lapsed. Non-payment of these charges is not my fault!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a XXXX XXXX XXXX for almost 5 years, I HAVE ALWAYS PAID ON TIME EVEN THOUGH I FELL ON SOME HARD TIMES I ASKED THEM TO FORGIVE THE LATE PAYMENTS AS A COURTESY BUT THEY CLAIMED THAT THE LATE PAYMENTS ARE ACCURATE BUT THEY ARE NOT THEY NEVER PROVIDED ANY VERIFICATION OF LATE PAYMENTS NUMBER ONE NUMBER TWO I EXPLAINED MY SITUATION OF BEING WRONGFULLY TERMINATED, EVICTED FROM MY HOME, LOSING MY CAR, LACK OF UNEMPLOYMENT BENEFITS, MY FAMILY DISOWNING ME DUE TO MY LIFESTYLE OF BEING XXXX AND BEING USED BY SO CALLED FRIENDS!!! THEY LACKED A LOT OF EMPATHY AND EMPLOY XXXX XXXX XXXX ALONG XXXX XXXX! THIS SITUATION HAS BEEN DAMAGING TO MY XXXX  HEALTH CAUSING ME TO XXXX  AND XXXX XXXX ALONG NO JOB OR HOUSING DUE THEM NOT REMOVING THE LATE PAYMENTS LIKE I ASKED, HOUSING FOR PUBLIC IS FULL AND MY SITUATION DOES NOT QUALIFY FOR A LOT OF ASSISTANCE PROGRAMS ARE LOW COST DUE TO THE SENSITIVE NATURE OF MY SITUATION!!!! THEY SEEM NOT XXXX XXXX XXXX XXXX XXXX XXXX AND THEY NEED TO REMOVE THE XXXX LATE PAYMENTS AND PAY {$160000.00} IN LOST WAGES!!!
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (RI)

In or about XXXX my wife and I sustained a credit breach from a Credit Bureau. Consistent with procedure we initiated a credit freeze with Agencies including Experian. Experian issued us passwords to access and turn off and on said freeze. Recently I had need to grant access to our Experian files. None of the passwords worked. Calls and letters to Experian went unanswered or met with non-responsive or inappropriate responses. On XX/XX/XXXX I sent Experian a Certified Letter. This also met with an inappropriate response which indicated that my letter was not even read. 
Experian is allowed to operate to provide a regulated public service, but fails to provide said service in an acceptable manner. As a result, I have been unable to conduct essential business and I have suffered losses. 
All of the above is documented in the Exhibits in ATTACHMENT 1.