davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

I have an XXXX XXXX credit card, administered by Barclay Bank. On this card, from XXXX - XXXX, 8 charges to XXXX were made, totaling {$1600.00}. I immediately called Barclays fraud number listed on their website, where the person told me to destroy my card and she would report it. She didnt. 3 weeks later, I called again, and had the same experience. 3 weeks later, I called again, and this time the lady actually reported it to the fraud Dept., but apparently only the last charge of {$13.00}. The fraud Dept., based upon all the other XXXX charges, denied there was any fraud. 2 weeks ago, I sent them a registered letter to the address provided on their denial, and included all of my XXXX charges, the list and details on all the charges, and pointed out again, Although I purchase a lot from XXXX, I have a dedicated XXXX XXXX card that is used for all of my purchases. 
I have bought nothing from XXXX on the Barclays card for at least the last three years. 
I have heard nothing back, except now I am getting dunning calls every day.
Consumer complaint received 2021-09-12
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: EQUIFAX, INC. (LA)

I have submitted an FTC report indicating they have been fraud on my account, I did not consent to the following inquiry. 

Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX
Consumer complaint received 2022-06-07
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 XXXX  Account # XXXX 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 2019-04-20
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.
Consumer complaint received 2022-06-07
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. (NC)

Unauthorized inquiries on my report from identity theft 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 2022-09-21
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. (TX)

On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, XXXX and TransUnion ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, {$270.00}, XXXX XXXX  XXXX XXXX  Representative stated to me that they will remove this fraudulent account because of false information.I have no Knowledge of this fraudulent account.
Consumer complaint received 2022-06-07
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. (AZ)

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 an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Good Afternoon, The first notice that I had been a subject of fraud was when I received a bank statement from Bank of America. Once I opened the statement address to me I called and reported the to BOA that the account was opened without my permission. While processing that information they found another account that had been opened in my name as well. They said that they would be conducting research to verify that the accounts wee open in error and without my consent.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to Transunion, XXXX and XXXX via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for XXXX XXXX XXXX and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, XXXX XXXX XXXX continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from XXXX XXXX XXXX without any documents proving the validity of the account. I have sent XXXX letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and XXXX XXXX XXXX has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF EDXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX ha violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account : EXPERIAN 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 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NV)

Barclays bank had a computer issue that did not process scheduled " repeat payments '' and then charged the consumer a late fee and interest charges. This was not completed without talking to the company to correct the issue. I was on a repeat schedule on the XXXX of every month of {$100.00}, they failed to process it ( on XX/XX/21 ) and was charged fees {$29.00} & {$1.00} on the XXXX. During my phone call with Barclays I authorized the payment for the normal amount of {$100.00}. They fraudulently charged a second payment of {$100.00} on XX/XX/21 and are not willing to send refund to me at this point. I am being told this could take up to two ( 2 ) months to receive the payment back to m. his could cause secondary issues with paying my other bills causing late payments or " refused/denied '' payments from my bank for other bills such at housing and transportation. Barclays continued to disagree with my statements that their charge of the second {$100.00} on XX/XX/21 was unauthorized and therefore fraudulent. They refused to help and continued to state that their protocol was to take this " normal '' amount to time to resolve the issue, which I completely disagreed with and again requested my reimbursement to be received no later than Tues XX/XX/21.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (FL)

Submitting Personal Statement is notoriously difficult by design.

Deliberate and systemic system to keep credit scores low for the benefit of banks and lending partners. 
Malicious compliance.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (SC)

I had a vehicle that ended up being repossessed however XXXX XXXX XXXX has failed to provide the requested validation of the alleged balance owed. I am not debating whether or not the car was repossessed but based on the repossession laws of my state, I should've been sent a Notice of my right to redeem the car as well as a Notice of what the lender intends to do with car and whether or not the car will be sold at a public sale. I did not receive either of those notices nor was the balance owed adjusted if the car was sold. 

The inaccurate reporting of this account is severely damaging my credit and I would like to have it remedied as soon as possible.
Consumer complaint received 2022-06-07
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)

This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my Experian Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA (CA)

In the payout of my car, previously leased, the sales taxes were included. I went to the DMV, immediately after receiving the title in the mail on XX/XX/2022. At the DMV office, I was informed by the clerical officer that I have to pay the sales taxes as the XXXX DMV received no payment from Kia Finance XXXX. 

I asked the clerical to research again because the taxes were paid to, and collected by Kia Finance XXXX  and included in the final paid out. 

After research, The DMV told me there is no evidence of the payment.

At the DMV, I had to pay the sales taxes again to get my title, and my registration card because Kia finance failed to forward the tax payment collected from me to the California DMV.

I contacted Kia finance immediately, same-day on XX/XX/2022, and the customer service create a case with the reference number XXXX, They asked me to wait for 5 days to receive an answer, I called again on XX/XX/2022, and the customer service provide no answers. 
On XX/XX/2022, I contacted Kia XXXX and received case number XXXX. 
On XX/XX/2022, I received an email from Kia XXXX to let me know that I have to contact Kia Finance to resolve this issue. 
Kia Finance is not giving me any answers.

Kia Finance has to reimburse me the tax sales fees that they collected from me and didn't pay to the DMV of the state of California.
Consumer complaint received 2022-06-07
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)

My Experian credit report is showing a late payment in XXXXXXXX XXXX. My Bankruptcy was filed in XXXXXXXX XXXX and this account was never late up to the date of the XXXX filing. 

There are three XXXX account numbers incorrectly reporting a late payment in XXXX XXXX. 
Those account numbers are : XXXX XXXX XXXX
Consumer complaint received 2021-09-11
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: ALLY FINANCIAL INC. (NV)

XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed Ally Auto to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.
Consumer complaint received 2022-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests. 

This company bought my medical information with out my consent which is against HIPPA Law. My Consumer Rights has been violated!
Consumer complaint received 2022-06-29
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)

These unknow inquires listed below do not belong to me and they have been reported onto my credit report. These are fraud/unauthorized inquires and should be removed : 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 2022-11-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEM INC is a company I have no idea about. I do not owe debt to this company. TRANSWORLD SYSTEM INC constantly calls me starting from XXXX and before XXXX at night pretty much everyday, since the month of XX/XX/2022, ( over 15 times ) with voicemail stop statimg their company 's names or what is the matter for. This is a violation if this collections co. Also, I found out this can is legal but not accredited by XXXX. I never tried to fox this problem because I was not aware of this company, meaning, calling constantly with voicemails only stating that this is a matter, please contact them at ( XXXX ) XXXX Who's is reply to harrassment with no information?
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

Submitting Personal Statement is notoriously difficult by design.

Deliberate and systemic system to keep credit scores low for the benefit of banks and lending partners. 
Malicious compliance.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-08-03
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. (TX)

I am a XXXX XXXX. I have changed my name with all of my creditors and with every single government agency. I have petitioned every Credit reporting agency to change my name. Credit reporting agencies are still reporting under my old name, or have split my account information between two different names, but with the same social security number. This is unacceptable to me. It is hurting my ability to get credit.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXXm really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I confirm with XXXX XXXX  that my account is paid in Full and closed back on XX/XX/2022. It is showing closed on XXXX on my new credit report... .but it showing " Open '' in Equifax XXXX 

I need Equifax to show this account is already paid and closed. 

I spoke to XXXX XXXX  and they said, it is a problem with the credit reporting agency. 
I need to file a dispute to get my credit report corrected. As far as they know... they sent out to all 3 agencies that my account was paid in full and closed and a refund for overpayment.
Consumer complaint received 2021-06-26
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: SYNCHRONY FINANCIAL (MI)

This dispute has been going on for 6 months. I have filed four disputes on this issues. I order nano hearing aid. They were not what they were described. They are not hearing aids. I called the company that I received them from within 1.5 hours of receiving them and told the company I want to return them. i was giving a return authorization number and returned in the same box the same way they came to me the very next day I returned the so called hearing aid with the company provided a prepaid shipping label. Now have been refused my refund of {$470.00}. This is from XXXXXXXX XXXX XXXX  XXXX issued by Synchrony Bank. I would have expected more from XXXXXXXX XXXX XXXXXXXX with their name on it.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2022-04-24
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. (FL)

In accordance with the fair credit reporting act, XXXX XXXX Account # 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 that also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

the user name for my account is XXXX. Pay pal despite me showing reasonble proof has 100 % of the time sided with dioutes and unathorized charges by default with th merchat with an inivestigation. It is by dfault and the assumption is somehow I made it up. Meanwhile They are ignoring ID theft law and not refunding my money imediatly.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (PA)

Hello I didnt authorize a credit card to be open my Navy Federal . I had a checking account and savings open only. My house was broken into in my information and belongs was stolen. Charges where made and a credit card was open in my name that I didnt authorize In Navy Federal . I called them and let them know also sent a police report starting the same thing and they havent fix it. Now my credit has a XXXX and its affecting my credit score. I tried filing a dispute still nothing.Im not sure when it was open but it was in 2020 around XXXX in the amount of XXXX