davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

On the top of our XX/XX/XXXX statement it showed this : New balance : {$2800.00} Minimum payment due : {$30.00} Save on Interest Payment : {$1900.00} Payment due date : XX/XX/XXXX On XX/XX/XXXX we paid {$1900.00}. 

On the XX/XX/XXXX statement, we had {$34.00} interest charged. We called Comenity and they said we should have paid {$1900.00} + {$30.00} to avoid interest charges. They gave us a {$10.00} finance charge reversal ( credit ) but could not reverse the interest charges. I escalated to see if a manager could reverse the full {$34.00}, and she could not. 

I then asked if this would result in future fees, and if we would have interest charges on our XXXX statement. She told me directly, " no, not if you pay your next bill in full. '' She also said everything was " clearly spelled out in the small print below the itemized purchases, on page 2, '' but I was never able to find anything indicating how the " Save on Interest Payment '' was supposed to work. She also could not find it when pressed, or any other consumer-facing documentation that I could see for myself. She agreed the documentation " needed work '' but dismissed our case as an avoidable mistake on our part. 

Moving forward, the XX/XX/XXXX statement showed our Balance as {$3100.00} due on XX/XX/XXXX. So on XX/XX/XXXX we paid {$3200.00}. 

The XX/XX/XXXX statement included interest charges of {$90.00}. I called Comenity and ( after being on hold for over an hour ) they explained that it takes 2 consecutive months of paying in full to avoid further interest charges. I asked to see this in writing, and AGAIN they could not find it anywhere. The customer service rep had to make an internal call ( on hold again ) to make sure that was true because she could not find it written anywhere, either. 

I asked for the call to be escalated, and after being on hold for several minutes, they hung up on me ( whether intentionally or unintentionally, I do not know ). 

So, we have had to pay two interest charges -- both occurring for reasons that are not documented where Comenity customer service can point to, and certainly not in the billing statement where they ought to be. I call that deception, or at least negligence ; but if negligence, I would argue they should have been willing to reverse our charges and fix the issues rather than anger a customer who will move on as soon as possible. 

We've never had any problems like this with any other credit card services, and our credit scores are both very high. We have the funds to handle the full balance every month, so that was not the problem. We only got this card for the rewards and gas discounts at a regional store. 

The unclear concept of the " save on interest payment '' feature appears to be a honeypot for Comenity to make at least 2 months ' worth of interest from good customers who just want to pay their monthly bill. Do they really think they're the only credit card service in town?
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Motolease, LLC (GA)

I used loan products from the company Motolease LLC, I discovered fraud in the contract and tried to rescind the contract. I have proof of sending the letter to invalidate the debt via certified receipt of mailing to Motolease LLC at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I also included a Cease and Desist letter asking not to be contacted by phone and Motolease employees called me 3 time using international numbers in which I recorded the Motolease employees harassing me. Motolease intentionally violated 15 USC 1635 ( H ) and 15 USC 1692 ( J )
Consumer complaint received 2022-08-19
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. (CA)

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX XXXX Account no. XXXX, XXXX XXXX  Account no. XXXX, XXXX XXXX  XXXX card Account no. XXXX, XXXX Account XXXX. XXXX, XXXX XXXX Account No. XXXX, XXXX XXXX  XXXX Account XXXX. XXXX, XXXX XXXX account no. XXXX. 
XXXX.S.C 1681 section 602A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CA)

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

Security Credit Services aka XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Consumer complaint received 2023-08-15
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. (OH)

I went on XXXX XXXX to check my credit score on Tuesday, XX/XX/2023, because I have to keep an eye on it and see how it's doing every couple months. I have no loans, credit cards or any kind of obligations other than utilities or doctors visits and I will not take anything on credit ever again if I can help it. I just completed a XXXX  XXXX in XX/XX/2023. That being said, I have been receiving an astronomical amount of mail with offers from car dealerships, credit card companies and loan officers with their hopes of my acceptance. I just throw them in the trash. 

On XXXX XXXX today I noticed there was XXXX hard inquiry where there were none before, mind you I have applied for nothing in almost 2 years or more. The site has changed some and I couldn't click directly on it so I tried another way and it looked like it was XXXX  XXXX, which is XXXX of the biggest harassers I have. So, this begs the question, did XXXX XXXX do an inquiry without my consent? or Did someone else dig XXXX of they're mailings addressed to me out of the trash and apply in my name? 

Fraud? vs Scam? I would sure appreciate someone looking into this for me. I just cleaned everything up on my credit report and want to keep it that way. I would like that inquiry mark removed because it wasn't me. 

Thank you
Consumer complaint received 2022-08-19
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. (NV)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (SC)

My bank account has been frozen. There are people placing unauthorized checks in my account without my knowledge. I am trying to close this account through TD bank ( Account XXXX XXXX ). I closed the one attached to this one. Someone is using a company printing out fraudulent checks to run through my account. Someone of interest is XXXX XXXX, of XXXX, XXXX XXXX, SC XXXX. He has hired people to making checks in vain for them to go through my name in a checking account at TD Bank, XXXX XXXX, SC, or TD Bank in XXXX XXXX, XXXX. ( Near the convention center is the one in XXXX XXXX, SC XXXX ) with the account number above. Checking account. It was frozen a year ago. And I closed my main account. I want nothing to do with this bank but to corporate. And close all connections to it. I want my name nowhere near these fake checks, and an account that isn't mine. I am aware there has been blood shed for several check in my name, and account number above. PLEASE stop this. This is extremely unholy to me. I thank you. I can't get contacted due to them inferring to dispatch services. Out fire rescue line in XXXX XXXX, SC XXXX is connected to California. And Maryland has a lot of crime started here. I have proof. Thank you for hearing me out. I XXXX  for help.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 



1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client that authorizes you to collection this alleged debt.

3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I was shopping around for a refi and was going to use Amerisave. They quoted me a rate I agreed and paid them a XXXX dollar application fee. They closed and denied the application a few weeks later because I hadn't turned in any paperwork. They did nothing besides quote me a rate and take a application fee before closing the file because I was to slow for them. No appraisal was given or scheduled. They collected no documents and I feel like they took my XXXX dollars and ran. I am not sure if I can make a complaint or not but I thought it would be worth a try since they wont answer my calls or emails.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX XXXX ) has violated my rights. 


15 U.S.C. 1601 section 604 A section 2 ; it also states B consumer agency can't furnish a 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-19
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed 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 2022-09-13
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: Experian Information Solutions Inc. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 
This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (FL)

I made 4 purchases with my debit card from Bank of texas, on XXXX. 
The merchant never sent the items to my address and never provided any tracking number or more information about the delivery. 
So I opened a charge back request with my bank on XX/XX/XXXX under the claim number, XXXX. I was reqeusted to send the order receipt showing that the goods must be sent by XXXX, and also a letter explaining the situation. 
After a couple of days later I got a letter saying that they cant proceed with the charge back request because was a face to face transaction, but that doesnt matter for chargeback requests. 
I called again to open the chargeback and they denied for second time, even they didnt reach XXXX for the case.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the inaccurate information appearing on my credit report, specifically regarding a closed account with an inaccurately reported balance. According to 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am entitled to have accurate information reflected on my credit report. Please consider this letter a formal dispute of this inaccurate information. The account in question is listed as XXXX XXXX XXXX. This account was closed ( XX/XX/year> ), and the balance should have been updated to reflect XXXX at that time. However, my credit report reflects an incorrect outstanding balance, which is adversely affecting my credit score and overall credit standing. It also includes misleading and inaccurate information reported between the XXXX credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation to ensure the accuracy of reported information. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate data to the credit bureaus and must correct any inaccuracies once they are notified of an error. I am requesting the following : A prompt investigation of this closed account to confirm the accurate balance of {$0.00}. Removal or correction of any inaccurate information regarding the balance on this account. Written confirmation that these changes have been made, or a statement explaining why the reported balance was not updated following the account closure. Please update my credit report to reflect accurate information, and ensure that all credit reporting agencies receive the corrected data. Thank you for your attention to this matter. Please notify me promptly once this dispute has been resolved. I may be reached at ( XXXX ) for any additional information. 
Sincerely, XXXX XXXX
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-19
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX ( XX/XX/XXXX ), I called Bank of America/Visa to inquire about BALANCE TRANSFER PROMOTIONS. I spoke with an agent who offered " {$9000.00} with 0 % for 18-month promotional period. '' I proceeded to give my information and was approved. 

I wrote in my XXXX sheet where I track all payments to accounts including credit cards : " BOA VISA *new* XXXX XXXX % Interest 18month ( opened XX/XX/XXXX ) XXXX '' In XXXX of this year, I discovered that they had begun charging interest and that there were late fees. The monthly due date was the 4th of every month. I felt upset because I had requested previously to change the monthly due date to the 12th. So I called Customer Service and after a XXXX hour phone call I was told : XXXX that the monthly due date was changed until the 12th XXXX. My account would be credited for the late fees and the interest charge XXXX. My case was being escalated regarding the 18-month 0 % interest promotional period. And that I would receive a response. 

Well, I never got a response. 
The monthly due date was never changed And they continued charging interest in XXXX I have a very busy schedule and travel a lot and was not able to check this in XXXX, So now I find out that nothing has been done and that I have been charged nearly {$1000.00} in late fees and interest. 

I have been a Bank of America client for about 20 years with multiple accounts. I feel lied to and that there is no resolution other than pay it all or fight. 

I am ready to clear this balance immediately but do not agree with these late feeds and nearly 23 % interest charges. 

Please advise. 
Thank you, XXXX XXXX