davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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: Kikoff Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- KIKOFF LENDING LLC ACCOUNT # - XXXX Balance- {$16.00} Balance updatedXXXX XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone numberXXXX XXXX XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX , CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2022-08-09
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. (OH)

My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 
My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ).

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

This a depute that on Bank account # XXXX Bank Card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The claim has started by checks that were deposited in the ATM on or about XX/XX/XXXX. The check noted on attached # 1. They were stuck in the ATM and would give me a credit, so I worked with the branch and submitted a claim. We added the checks up in the wrong amount and we asked for a credit of {$26000.00} for those checks. 

On XX/XX/XXXX, I still had not received the temporary credit still had and they stated it would take 10 days. So, the Chase representative stated that I should stop payment on those checks and get replacement check and deposit them in the bank. We also cancelled the claim for {$26000.00} ( D ) on call. The next day on XX/XX/XXXX, I deposited all new checks. Those checks cleared the bank and where fully funded. 
On the XXXXXXXX XXXX XXXXXXXX the bank the processed the stop payments on the checks that where stuck in the ATM stop and debit my account for 5 checks totaling {$27000.00}. Then on XX/XX/XXXX, the bank reserved the temporary credit of {$26000.00}. Causing my account to be negative {$27000.00} ( D ). I when into the branch and discussed this with the branch manager that these transactions had occurred she filed a second claim in the amount of {$27000.00} ( B ). This that was reversed on XX/XX/XXXX ( A ). Because they said they could not find the checks that where in the ATM that they stopped payment on XX/XX/XXXX. 

I talked with 5 difference claims representative the first representative XXXX hung up on me and when I called back gave me the run around for and hour. The last representative XXXX continued to state she could see the reversal but could see the checks deposit in a very nasty and offensive manner. I would listen to the discussion and take action disciplinary action against her. 

I would like my {$27000.00} from the stop payment check returned to my account. I would also like to be compensated for the 30 hours that I have spend on this issue because of the checks being stuck in Chase ATM. My billing rate is {$250.00}. 

I am providing a summary of the transactions in the coversheet and a my checking account with the items in questions circled for easy following.
Consumer complaint received 2024-03-14
Product: Credit reporting 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 (GA)

In XXXX I was a victim of an assault inside a XXXX by a man who then was wanted in XXXX states and they charged him with XXXX counts of attempted murder I was beaten severely and suffered a fractured skull, broken eye socket and more severe injuries including blood clots still to this day. During all this I had insurance and it was billed and paid but yet I have so many collections of things out of my control I have already had deleted off my credit but they keep returning. I got divorced in XXXX and my name changed because the judge combined my married and XXXX name. This had made it difficult for me and even though I paid my credit cards on time they just closed my accounts. I have disputed and won then I see it comes back and sold again. Only thing I have is my credit and as you can see I am working hard to fix it. I am XXXX now and also have a son who is now and adult with special needs. Attached are collections and documentation of why I have tried and now are doing this to get help and them removed completely. I am a XXXX of a credit file limiting me to not be able to do anything for my family and myself not having credit. 
XXXX XXXX, Progressive, XXXX XXXX, XXXX XXXX, Kohls,, XXXX, credit XXXX and more I have attached. Also you can see that some had just been canceled for no reason and the reason is the change in my name I have sent my name and divorce details with my new ID but it still hasnt been fixed leaving multiple names on my file. I am out of energy disputing and winning then loosing because illegal sell of debt and old debt becomes new from collection companies that are dishonest and cruel. Its horrible a car insurance policy rate depends on your credit rather than driving history. I am desperate to get help and I cant afford attorneys to do what I have been working so hard to clean up. I have court papers to show the judgement are and should be removed from XXXX XXXX and more. Please see items I download documents are, court papers, Id, proof of the violent crime I was a victim of, my divorce showing my name change and more. I have sent more letters I hope this helps and also the amount of XXXX inquiries on my credit in XXXX months is over XXXX from car dealerships that continue to run it behind my back. 
I attached the collections that need to be removed so I can get my life back
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (OK)

XXXX ) A tour from XXXX in XXXX XXXX, XXXX XXXX was requested for Sunday, XX/XX/XXXX and it was cancelled on Wednesday, XX/XX/XXXX. The tour operator 's policy states that cancellations must be made at least XXXX hours in advance to get a refund. 

XXXX ) When we arrived on XXXX XXXX XXXX on Sunday, XX/XX/XXXX, we were informed that the itinerary had changed including XXXX XXXX moving from Sunday, XX/XX/XXXX to Wednesday, XX/XX/XXXX. I reached out to the local tour operator on Sunday, XX/XX/XXXX via e-mail to inquire if anyone was available on Wednesday. I did not get a response on Sunday. I did not get a response on Monday. As a follow up, I sent an e-mail Monday evening to cancel the reservation if they could not confirm XXXX hours in advance. Finally, XXXX XXXX on Tuesday, the tour operator responded and said that the change had been made. By then, we had made alternate plans. 

XXXX ) The tour operator 's policy states that " any changes made less than XXXX hours before the experience 's start time will not be accepted. '' Obviously, notification of the change was less than XXXX hours before the start time.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XX/XX/XXXX - Capital One Credit Card deceptive and predatory practice relating to repayment for a cash advance On Thursday, XX/XX/XXXX I took a cash advance of {$650.00} from my Platinum Master Card with Capital One. 

Today I called to make a payment to Capital One for the full {$650.00}. I talked to two different Customer Service Representatives. They both told me I would have to pay off the entire balance of my credit card in order to pay off the cash advance, which is a much higher interest rate ( 26.4 % ), vs. my regular purchase interest rate ( 19.4 % ). 

First call to Capital One Customer Service : XXXX, XXXX XXXX  XXXX. I talked to a female. I told her I wanted to make a {$650.00} She she repeatedly insisted that I would have to pay off my full credit card balance in order to pay off the cash advance. I told her I did not think that was correct, and asked to talk to a manager. She put me on hold for about 10 minutes, and then the call was disconnected.

Second Call to Capital One Customer Service today : XXXX XXXX  XXXX. I talked to a male. I told him what had happened during the first call. He told me the same think as the first customer service agent. He also, apologetically told me, that the only way to pay off the cash advance amount was to pay off the entire amount owed on the account. Again I repeated my request and asked in several different ways so as to ensure we were both understanding the question and the response. I told him I could not pay off the total amount owed on the account and that I did not like their lending practice that prevented me from paying off the cash advance so that I would not have to keep paying the higher interest rate for the cash advanced amount. He apologized several times, but insisted that there was no other option. 

After talking to the second customer service agent, I did some research on line and found that the XXXX Credit Card Act, requires credit card companies to apply amounts paid over and above the minimum payment in a given month, must be applied to the amount with the highest interest rate. 

Third Call to Capital One Customer Service today at XXXX XXXX, I spoke with Manager " XXXX '', ID : XXXX. I told her about the 2 previous calls and the fact that by law they must apply payment over the minimum payment, must be put toward the amount with the highest interest rate. She said that was correct. She apologized and took my full payment for the XXXX XXXX and fee. I told her I would report Capital One because if I had not called back with the correct information, they would have continued to charge me the higher interest rate on the {$650.00} XXXX XXXX
Consumer complaint received 2022-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

Around 4 years ago I received a loan from the cash store and requested a 50 % reduction in finance charges from a couple that had been sent to me via email. That coupon was never applied but the cash store has continuously attempted to collect the fees from me. Additionally, they have now reported this as of XXXX to the credit bureau. In XX/XX/XXXX I contacted the cash store and rescinded my authorization to debit my account because out of no where-the attempted to debit my account even after I was told that because of the coupon that the debt was settled- on the very day I contacted them they debited my account and acted as if they were not aware until after the debit. They also repeated contact my references even after and my references asked them to stop and let them know it was a debt by telling them that they were calling from the cash store. finally they would call me on Sunday afternoons between XXXX XXXX which I don't believe they should have been doing. I filed a complaint XXXX/XXXX and XX/XX/XXXX. Since then there have been random phone calls from the cash store, using unknown numbers to me. It is my understanding that there was a ruling against them for some of these reason and they were also supposed to remedy this for consumers affected. I was XXXX of the consumers affected and have received no remedy.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their refusal to reimburse me for unauthorized transactions on my account while I was XXXX. My name is XXXX XXXX, and my account number with Wells Fargo is XXXX. 
Despite being XXXX  during the period in question, unauthorized transactions were made on my Wells Fargo account without my knowledge or consent. 
Upon discovering these transactions, I promptly contacted Wells Fargo to report the issue and requested reimbursement for the unauthorized charges. However, Wells Fargo has repeatedly refused to reimburse me for these unauthorized transactions, citing various reasons that do not justify their failure to protect my account and address the fraudulent activity. I have provided Wells Fargo with all necessary documentation and information to support my claim, including proof of my XXXX  during the time of the transactions. 
I am deeply concerned about Wells Fargo 's handling of this matter and their apparent disregard for consumer protection laws and regulations. Their refusal to reimburse me for unauthorized transactions has caused significant financial hardship and distress. 
I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo fulfills its obligations to me as a consumer. I request that the CFPB take appropriate action to hold Wells Fargo accountable for the failure to protect my account and provide me with the reimbursement I am rightfully owed. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FirstPoint Collection Resources (NJ)

XXXX credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for XXXX yrs now. Thank you
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

A debt appears due to equipment I was not able to return until everything started to open back up due to COVI19. I do not owe XXXX  for services and the equipment has been returned to XXXX. This company keeps adding this debt to my credit bureaus and reporting new every month. I have tried to dispute it to no avail. They are not available on the phone when I've tried to call them.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, 2 wire transfers were made from my Checking Account, 1 for {$27000.00} and 1 for {$2000.00} without my authorization. I was notified my password to my account had been changed and that these transfers had occurred by email. At the same time, my cell phone stopped working ( it would not get service or make calls ). It was later believed that this may have been connected with the bank fraud in question. I was not able to change my password and log in to my bank without the use of my phone. On XX/XX/XXXX, I was able to get my phone fixed, and thus got access back to my bank. I spoke with people in their fraud departments and filed a report which is currently under investigation. I will need to go to the bank on XX/XX/XXXX ( after Monday 's holiday ) and open a new account and then hope that the investigation has a positive outcome so that my money can be returned to me.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Skrill USA, Inc. (CA)

I have a small restaurant and about two years was trying to get a new merchant company to lower my credit card fees and in the end I did not go with the company but in the process i was sing to such merchant services to do a try out of how the terminal will work with the purchases in our business. I end up going with another company, the company that I am complaining about never did any merchant services for my business and for the last two years they have been charging my business account {$48.00} without providing any services. After I talked to them I was Told that they will email me a form to fill out so they will stop the withdrawals and when I asked for refund of the monies I was told that someone will contact me regarding that issue within 48 hours, to this day none of that has happened.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

Experian is reporting that I filed chapter XXXX  bankruptcy. This is an outright lie. I have never filed chapter XXXX. The attached letter was sent to my mortgage company as proof.
Consumer complaint received 2024-03-14
Product: Credit 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. (IN)

XX/XX/XXXX account open with purchase XX/XX/XXXX Returned item XX/XX/XXXX paid balance in full {$100.00} XX/XX/XXXX received bill with negative balance. They say they issued a refund. I did not receive it XX/XX/XXXX I called about a negative balance on my account and asked for refund They opened up a case to review it. 
XX/XX/XXXX I received a letter saying after review they are issuing a refund {$100.00} I received the check, deposited it and closed the account. 
XX/XX/XXXX received a paper statement saying I owed {$100.00} the description of purchase was REFUND XX/XX/XXXX I called Comenity Bank and asked why there was a charge on my account when I havent used the card and the account was closed. They couldnt answer me and said it looked like a mistake. I asked to speak to a supervisor and was disconnected. 
XX/XX/XXXX received multiple emails saying I now owe {$130.00}. I called again and asked for a Senior account manager. She said she cant do anything about the charges because the account was closed and they issued the refund by mistake. 
XX/XX/XXXX. A dispute for the amount {$100.00} was initiated I called to ask for my account number and they could not provide it. I asked if the late fees could be removed and they could not because the account was closed. They said the late fees would continue to be charged but would be dropped when the dispute is completed. 
Im worried about my XXXX XXXX being affected by this mishandling of my account. 
Thank you for your help with this matter.
Consumer complaint received 2022-01-16
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: Experian Information Solutions Inc. (PA)

Experion credit report currently shows only 2 active accounts, credit available $ 15K XXXX and XXXX both show about 12 active accounts, credit limit approx $ 400K In other words, Experion 's report is truncated ( a programming problem ). 
I've been trying to get this resolved for more than an year. 
I finally was able to speak to a live person a couple weeks ago, but to no avail. 

I was recently turned down for an auto loan, based on Experion 's report. 
( Went to my bank and they granted a personal loan, no collateral, without delay )