davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (MA)

We petition for irrational card interest. 


The first time I received my bill by email after purchasing a product at wayfair was XX/XX/2020 ( waywaircard in comenity Bank ), but that amount was plus interest after delivery. I didn't receive any bills before XXXX.. I immediately e-mailed and called the bank to inform him of the fact, and after solving all the problems by phone, and after deducting interest, I paid the principal in a lump sum. However, they continued to add interest to interest and found that they sent a total amount of {$120.00}. So, knowing that, I called the bank to solve the problem, but they dismissed my request. When I looked at the e-mail that came to me as evidence, I was clearly able to find the exact date of the e-mail they sent me. Whether it was a mistake by the credit card company or was it deliberately sending the bill late to prevent consumers from paying on time. We sincerely hope that you will resolve any interest incurred as a result of their negligence. For reference, I am a very good credit score holder, and I am still a person who keeps the deadline. Please. I want a clean solution.
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NY)

EOS CCA just filed a new collection agency report with a false date in order to renew false charges from over a decade ago. {$66.00} in charges have always been invalid and have been disputed for over a decade. The old report expired years ago, and the new collection agency is renewing the effort using a false date so that the credit reporting bureaus would accept them. I assume this is a practice they are doing wil a lot of filings.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My neiman Marcus  account that I had applied for online. I got approved made first purchase, however never recvd Bill. This happened XX/XX/XXXX. Very tough year, working in XXXX. During the midst of all that health issues at home however Bill was never recvd until I got an alert from XXXX XXXX alerting me I have a collection for not paying bill. I had never recvd my bill called neiman Marcus they stated I had chosen online payments when I had applied. I did not I promise and I never recvd any mail or even alerts in that matter thru any emails alerting me about payment. Have been disputing because due to this my credit score has dropped extremely not allowing me to Even apply for a loan. It is very tough times I have XXXX children and one of them has health conditions that I pay high medication costs. Please I need my creditor to do a one time courtesy removal of that late payment please so my score can go up and I can get a loan. This was an honest mistake and I have always been on time with my credit you can check my credit and see. Please help me remove this late payment off my credit report.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (GA)

I took my kids checks ( earned from small XXXX  XXXX  jobs that pay per day so we had several checks per kid, and they wanted cash ) to the -issuing bank-, Wells Fargo . They asked if I had an account there to deposit them, and I said no, I just wanted them cashed. They charged me {$7.00} per check without informing me that it would be a charge. I find this a ridiculously predatory fee, and predatory in how it was carried out. It amounted to more than 10 % of the checks amounts. From the bank who issued the checks, the bank that can check its own customers accounts in real time if desired, and assumes virtually no risk in cashing the checks. Even XXXX checking services charges less. 

How can a bank charge to cash its own checks?
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

i have verified all appropriate means with my account number social and debit card number but the bank has frozen my account and states i need to go to a branch to verify my identity i am currently sheltering in place in XXXX due to conrona virus and cant visit a us branch i need access to my funds as this is my only source of money
Consumer complaint received 2021-01-16
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: HCFS Healthcare Financial Services of TeamHealth (FL)

According to XXXX XXXX XXXX there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( XXXX XXXX XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to ARS, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. ARS responded with a letter ( see attachment ) showing only a balance and service date. ARS failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditor, XXXXa XXXX released my medical records to this third-party collection agency ( ARS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.
Consumer complaint received 2021-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

Collection agency is reporting collection on my credit report for medical bill from XXXX looks like from XXXX ca. I was not living in XXXX, CA in XXXX 1st time I moved to XXXX was in XXXX, XXXX XXXX.. Prior to that I was living in Wyoming with my family. so my self or my family would not have gotten medical treatment in XXXX, CA. 
1st delinquency date is XX/XX/XXXX. i did not receive any communications from XXXX XXXX XXXX to my address in Wyoming. or after moving to California in XX/XX/XXXX.
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NJ)

We received a higher estimate for taxes than was listed on our tax bill, bringing about an increase of {$600.00} per month in our monthly payments. This was pointed out with documentation and we simply asked on XX/XX/XXXX for someone to review and confirm the correct amount. We have sent several follow up emails since, and when we call loan servicing they put you on hold for a few minutes before asking you to leave a voicemail. No one has returned our calls after at least 3 messages, and we recently got a call only following up on XXXX payment on XX/XX/XXXX ( which we ended up paying at the higher amount on XX/XX/XXXX after waiting to hear back about the tax issue ). On the call on XX/XX/XXXX we mentioned the tax issue, but were told it was still being reviewed and they would mark it as urgent, but no one got back to us still. We are beyond frustrated that it has been almost 2 months without feedback on our issue, and we can't afford the higher amount longterm.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.
Consumer complaint received 2021-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Ive tried telling them this was not mine due to identity theft, I have no knowledge of this or when so when this did appear on my credit report I asked if they can work with me or help me find the right source to remove this off my account. very rude, hung on me. forced me to try and pay a debt that was not mine.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.
Consumer complaint received 2021-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Due to the national pandemic, creditors were NOT reporting late payments to the credit beuru. Capital One Bank put me on a COVID monthly plan and were NOT suppose to report it since I was making the COVID payments we agreed. In fact they I was told that they were not reporting it if I do make payments or not while being approved for a COVID plan. I find it extremely unfair that they reported me during unprecedented times. Not one of my other credit card companies did this. I believe Capital One should be fair and remove the late payments during the beginning of the out break. Please try to see what you can do, we are all suffering enough and for them to do that, is really disheartening. 

Thank you, Stay healthy XXXX XXXX
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After experiencing financial hardship in the form of two job losses due to the pandemic, as well as extreme medical issues - XXXX, XXXX, XXXX  XXXX, and subsequent XXXX  that resulted in the XXXX XXXX of my son, who was placed in the NICU, I fell behind on my card payments. I attempted to make these payments, but was locked out of my account and required the full account number to regain access. Since my family was forced to move after two job losses, all documentation/physical bills were in moving boxes and inaccessible for a time. I contacted Bank of America on XX/XX/2020 to request help unlocking my online account and to bring my account current. I spoke with 2 customer service representatives on the XXXX, and at no point was I informed that my account had been closed as of XX/XX/2020. I discovered the account was closed while monitoring my credit report. Even now when logging in to my online account there is no indication that my account has been closed with the home page reflecting a total credit limit of {$3600.00}. Had I known on XX/XX/XXXX the account had been closed, I would have requested that day that it be reopened. I have been in regular contact with Bank of America regarding this issue, spending multiple hours on hold and finally requesting a call-back from a manager. I waited several days for this call-back, only to be told that, now that more than 60 days has gone by, the account can not be reopened. Had I been informed on XX/XX/2020 it was closed, or on XX/XX/XXXX, when I called and spoke with 2 different representatives, I would have immediately began the process of advocating for its reinstatement. My requests to open the account began within that 60 day period, only to be ignored.
Consumer complaint received 2021-01-17
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: ENCORE CAPITAL GROUP INC. (IL)

I spoke to Midland Collection several times and submitted disputes several times and I gave them a police report number because I had fraudulent activity in my name including identity theft. This company refuse to remove this fraudulent information. I gave them everything they asked including the police report number. This company is harassing me with calls and letters.
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A company by the XXXX XXXX XXXX continously contacts me and my family members. The number they left is XXXX. They contacted my cousin and they continuously contact her even though I asked that they not contact me or my family regarding a debt that doesn't exit. The last time I spoke with them, I told them the alleged debt doesn't exist and that I would be happy to go to court to prove same. As a result, I asked them to stop contacting me and my family. I also contacted the company they're alleging I owe, Capital One, and this debt does not exist. It's important to know that I have the audio file of the message they left on my cousin 's voicemail.
Consumer complaint received 2023-01-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account number 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 Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I met car sale fraud. I wired money ( XXXXUSD ) from my XXXX account to the fraud 's BOA account. The Bank of America suspect it's a fraud and doesn't apply these funds to the beneficiary. The Bank of America sent message to the XXXX XXXX  and requested XXXX XXXX  to contact me to re-verify the wire instruction. I told XXXX XXXX  that it's a fraud. Both XXXX XXXX and I have attempted to contact the Bank of America to get my money back on several occasions, but have not received a response.
Consumer complaint received 2022-09-30
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: CITIBANK, N.A. (CO)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XX/XX/XXXX, TransUnion and XX/XX/XXXXCRA. On XX/XX/2020, I mailed XX/XX/XXXX, TransUnion and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX, Experian notified me of a 25 point decrease in my score. I reviewed my report on that day but their explicitly stated that there were no changes to my record or activity when I clicked to see the changes to my report. I asked their customer service on XXXX ( because the dispute center wasn't working ) but all they did was list possibilities that did not apply to me. They suggested that maybe I increased my balances or that I had a recent inquiry. When I told them that I had neither of those things happen, they told me that they couldn't tell me what happened because they were not a credit advisor. They also suggested that maybe the reason my score dropped without any changes in my history is because their categories of change have subcategories. 

If these subcategories are not listed on their site, I can not dispute them. They changed my score and I am not allowed to make sure that they got it right. They claim that I have the right to dispute but they haven't given me anything to dispute. Score changes are not allowed to be disputed. Only changes on record are allowed to be disputed. How could anyone know that they're being honest if I can't even see the mistakes to dispute them? 

Also, by the way, they claim that utilities are factored into your score if you opt into their XXXX  system. XXXX XXXX aXXXXd XXXX XXXX apparently isn't included. I could understand that if I lived in the middle of nowhere Wyoming but this is XXXX. Ever heard of XXXX or the XXXX? 

I don't recommend signing up for experian XXXX  as it could hurt your score without you having the ability to check if there are mistakes.
Consumer complaint received 2022-07-09
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. (CA)

Please explain the following finance charges ( shown as of XXXX ) : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} I also noted that your system moved the dates of the charges around for whatever weird reason so today XXXX I looked and see this order : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} First of all, for the month of XXXX I was NOT late ( I paid on the due date which was the XXXX of XXXX ). 

I have reached out ( via secured messages/online support ) several times regarding this, including a call with a rep who admitted that this was wrong and she would issue a credit. As of today, nothing was resolved. 

I will replace recurring charges on this card, pay off whatever the remaining correct balance and won't be using your product anymore. I will be sure to write a review about this experience on XXXX, XXXX XXXX XXXX, XXXX and all relevant review sites to warn consumers about you including relevant screenshots etc. to outline how awesome the user experience is.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

TD Card Services charged my checking account for the full balance on a balance transfer of 2 months earlier via their balky and confusing digital payment website. Why would I transfer a XXXX balance XXXX a 3 % fee only to pay it off 2 months later. I made it clear when bal xfer was done I intended to pay it down at $ 100 monthly. After the XXXX XXXX worked as intended they charged the full balance in month XXXX against my checking account. I have spent many hours, incl multiple XXXX minute wait times to reach them, to explain and have this matter resolved. They agreed to reverse the full pmt, only to treat it as a new purchase rather than the transfer incurring XXXX interest thru XX/XX/2023. 
The whole experience was a nightmare of failures on their part to correct the problem. I have finally resolved to pay of the amount remaining that I borrowed less all fees and interest they have charge over the last XXXX 9 months. 
This due to the many hours of my time and aggravation getting a fair resolution of the matter, which they have refused to do. I will mail the full payoff on XX/XX/2023.