davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I had two deferred interest promotional balances expiring on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX. 
The first promotional balance was in the amount of {$190.00}. 
The second promotional balance was in the amount of {$57.00}. 
To cover this {$250.00} XXXX XXXX {$320.00} on XX/XX/XXXX. 
The payment was accepted. 

On XX/XX/XXXX, having now paid these promotional balances off, I began working on paying off additional promotional balances that expire on XX/XX/XXXX. To do this, I changed the payment allocation to the balances that had later expiration dates. 

On XXXX XXXX I checked my statement and saw that I was hit with a {$140.00} deferred interest fee for not paying off the two promotional balances that expired on XX/XX/XXXX. 

I called the Home Depot Credit Services and they said it was my fault for assuming that the balance was paid with the {$320.00}. They said I should have known that by changing the payment allocation 5 days after paying off my promotional balance, that any payments would be automatically redirected, and that the fee should remain. They said there was absolutely nothing they could do, but they could work out a deal if I paid off the whole balance that day over the phone. This struck me as an additional illegal practice.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

My Victorias Secret credit account # XXXX XXXX XXXX XXXX with Comenity Bank was charged a minimum interest charge in late XXXX ( I believe the charge was billed on XX/XX/XXXX ) for which I was unaware. I was not expecting a charge because I had paid off the balance in full earlier in the month on XX/XX/XXXX and had not used the card at all since. After I made the payment I checked to make sure it had posted the next day and it had and the balance reflected {$0.00}. However this charge was apparently for the previous month and was billed after the fact. I was advised it was charged anytime a balance carries over. But most people do not check a credit account when theyve already paid the balance in full. 

Also, considering the fact that the credit card company makes money only when someone carries a balance and interest accrues, to charge a fee for the credit card company to essentially make more money off of you when they are already making money by the sheer fact that you carried a balance and are paying them interest, it just feels extremely predatory to me - like they are finding a legal way to increase interest without actually increasing interest. Which prohibiting the unlawful increase of interest is the whole intent behind usury laws. Because I was not aware of this fee ( it wasnt a practice at the time that I opened the line ), I was advised it was something they implemented later, it continued to carry over and I only discovered it when my credit reporting agency notified me that my score had dropped 150 points because one of my credit lines showed past due. 

I called the credit company directly to say I wasnt aware of any fee, that Id already paid the balance in full and I asked them to please remove the late from my credit reporting - that I had brought the account current and wasnt aware of this practice. I was advised that the fee practice is legal, they can do it, that I missed it, and that they werent going to remove the late payment from my credit for the fee that they charged me for them making money off of me by charging me interest, even after Id paid the balance in full. 

This fee has caused the exact same issue to several other card holders as it has to me. This is a predatory practice, its not a clearly identified or anticipated fee ( like a late fee would be ), and I feel like this practice shouldnt be permitted, this is an overly complicated practice for the consumer, and one only designed for the intent of further making money off of increasing interest payment - without actually having to unlawfully increase the interest rate, thus bypassing usury laws. A lot of consumers feel that this type of fee should be considered a prohibited practice under usury laws.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/XXXX Had my Bank Regions Bank wire XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX Had purchase contract. Shipment bill. Stated would recv truck in 3 days. After no response by Wednesday called Branch to get advise and made an appointment XX/XX/XXXX and filed fraud complaint and stop to get my money back. Rep from Bank was XXXX XXXX and he told someone will contact me in 48 hrs. No call back and call back and XXXX gives me a wire # to call and they tell me I have to have a pin # call back and speaks to manager XXXX XXXX who tells me no updated info and if they got my money back it would be in my account and he said you requested the wire. I told him abt the pin and he said he used his pin and see No updates. So by this time I am so upset with this Regions Bank. Early that week I report to all Federal reserve file a police report and with the FBI.. This is a lot of money to me. Call the bank and no would talk to me leaving messages. So finally Saturday morning on the XXXX of XXXX XXXX XXXX I finally get him and prior to this call I have been trying to call the bank that recvd the wire and I asked XXXX XXXX do you freeze the account and did you notify the other bank and he told me you are suppose to do that. I said I have but I dont use this bank and you also have to have a pin. So I am furious at this point why this bank has not taken proper procedure and top priority on a fraud complaint. I continue to call the other bank that recvd the wire and it was XXXX XXXX XXXX and they finally let me talk to someone in there fraud dept which was very nice. She explained to me that my bank contacts them to advise them there was a fraud wire and and freeze the account which they still can see were money goes.. This is Still the XXXX XX/XX/XXXX now we are 2 weeks in and decided to call another branch to see if I could get some more information on my wire or anything.. So I call XXXX XXXX finally speaks to Manager her name was XXXX and I explain my situation on fraud wire and she says you need to call the branch that did the branch that did the wire. I stated I cant get them to return my calls and I dont thing they know what their doing. I said if your not going to help me then I need the person to speak higher higher up. This is XXXX this is a lot off money to me. She finally said let me call to the wire dept and see what I can find out.. XXXX comes back to me and says they have never received anything and I said no I came into the branch on XX/XX/XXXX and filed my fraud claim to stop wire it was fraud scam and she said again it wasnt stopped! But I will send XXXX XXXX XXXX an email and give instructions what he needs to done and said 2 weeks have passed.. OMG. I did file a complaint to the bank and yet to receive knowledge that even happened..
Consumer complaint received 2021-06-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/2021 around XXXX o'clock in morning my vehicle was repossessed by XXXX XXXX XXXX. Credit acceptance violated my consumer rights as federal protected consumer I never discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under. They never given consumer the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I never gave explanation of how the consumer can exercise that nondisclosure they did not follow the law. Pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I fear for my life disclosing my personal information to nonaffiliated third party
Consumer complaint received 2021-07-03
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. (OH)

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-08
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. (NC)

Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I closed my account with Bank of America back in XX/XX/XXXX. I had a refund for {$420.00} sent to this closed account from XXXX in XXXX of XXXX. Bank of America will not give me my refund or return any of my calls. I have filed a complaint with the XXXX  which they still never fixed the issue. They said they called or mailed me a letter, neither of which are true. They say money can not be sent to a closed account but XXXX was successfully able to send it to them and even provided me with the money tracking number from their bank to the receiving bank. They refuse to cooperate. I know that they received the money and are just refusing to give me what is MY money. I will happily provide more information for this when contacted.
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-05-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (CA)

Volvo Financial Services had sent an End of Lease invoice to me. I received this invoice but was very limited in methods of payment. I logged on to my Volvo online account and the account had been removed from my profile because the lease had ended. Their automated system allowed a look up by social security number. When I entered my social security number, once again nothing was found. This was due to the account being closed due to end of lease? How can an institution invoice you a final bill for wear and tear, yet remove all online forms of payment available to you? Due to XXXX and my own XXXX, I couldn't go to the post office. Additionally, I don't have checks for my account as they cost too much. Its 2021 and super frustrating that Volvo charged this account off. Mind you, I also called and every time I tried to pay the invoice over the phone during Covid there was over a 2 hour wait on the phone. In fact, when I got notice of the charge off I ended up paying right away over the phone. It took me 90 minutes of hold time. I missed to mandatory meetings at work and had to be XXXX for it. This is not something that should result in a charge off. Volvo should take responsibility for removing my ability to pay my invoice online.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (WA)

This company, Receivable Performance Management, keeps calling our company phone about a debt collection. They have no point of contact and keep asking for the owner of our company.

This company, Receivable Performance Management, will not provide any information about the debt or details from where there information came from. We have told them many times that we will not release any information from our company and this appears to be a fraudulent call. We have also informed them that the phone number they are calling is on the Federal Do Not Call list.

The person who made the most recent call was XXXX XXXX. We would request that someone follows up with Receivable Performance Management to stop harassing our firm.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

First, I'm not sure of the routing number or the address as to where our accounts went. As you must be aware, US Bank has taken over all accounts from XXXX XXXX XXXX. My wife and I have several XXXX XXXX XXXX IRA 's. In the transfer US Bank states it will honor the interest rate until maturity but states that after next year they will impose a " maintenance fee '' for having the accounts. When we signed up with XXXX XXXX XXXX  it was because of the interest rate and the fact they had no fees. We believe the introduction of fees is against what we signed up for. We do not see how they can do this. In my phone conversation with a " regulator '' he stated I needed to wait until US Bank had officially taken over, which I believe was XX/XX/XXXX. 

On XX/XX/20 at XXXX with XXXX ( who hung up on me ) then XXXX who transferred me to XXXX.
Consumer complaint received 2020-10-15
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. (MS)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : 06 XXXX  XXXX   XXXX XXXX ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}
Consumer complaint received 2020-10-15
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. (MS)

XXXX  Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX   XXXX COMPANY ) {$980.00} 4. XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

There was fraud on my checking account on XX/XX/2022. This is my second complaint because I still havent received the funds. 
The original complaint number is XXXX The bank manager called me and I was told weeks ago that I would be receiving the funds promptly.
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.