davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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. (PA)

EXPERIAN Charged off : XXXX XXXX  XXXX Balance : {$30000.00} -Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$30000.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

Collection : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} -I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately XXXX Charged off : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} -These particular accounts are undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$30.00}, XXXX and {$10000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file
Consumer complaint received 2022-06-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Credit Corporation (GA)

When I got the car it was through a buy here pay here. NO CREDIT REPORTING. The car was totaled and the company was supposed to have their own insurance on the car as well as mine. They did not put insurance on it and so I checked my credit report and noticed the company US Auto Credit was on my report. I got my car from US Auto Sales in XXXX, Ga. Which is a buy here pay here. I tried reaching out because it said that {$7000.00} was written off, yet the amount I supposedly owe is over {$13000.00}. It is being reported as on time with payments through XXXX but thats impossible as I havent made any payments due to their issues and I never took out a loan that reports to my credit with this company. Because they put this on my report and I wasnt notified of ANYTHING! You can just report something just because you want to. So being that they are illegally reporting payments being made, it has made the year of dropping off my report to XX/XX/XXXX, when from what they report it should be XX/XX/XXXX. I want this off my credit as I do not owe them anything as I never went through US auto credit. I havent received any paperwork, phone calls or anything validating this debt. Yet they have updated they couldnt find me. Another lie! This is hurting my financially and I am already going through hard times. Please delete this asap!
Consumer complaint received 2022-03-01
Product: Credit card or prepaid 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 (IL)

I was charged for a purchased of over {$500.00} by XXXX XXXX on XXXX and didn't receive anything from the company, I've tried contacting them and they won't respond to my request for a refund. I now believe this company XXXX is a scam company and I contacted my credit card company today ( XXXX ) and they will not help me either with the dispute. I think my credit card company barclays is involved with helping them steal from me. Barclays refuse do dispute this matter I've contacted them to resolve. I believe you should also investigate barclays, as they always help the merchants steal from the customers, this is not my first theft that barclays did to me. There should be strict laws against helping merchants steal from consumers and these companies license should be revoked for fraud.
Consumer complaint received 2022-03-01
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. (GA)

Transunion CLEARLY did not perform a proper investigation of the account XXXX XXXX XXXX ( account # XXXX ) and sent me a copy of my credit report claiming the account was verified as accurate and updated. 

The account balance on Transunion reads {$3400.00}, XXXX reports the balance as {$3400.00}, and XXXX reports the balance as {$3100.00}. 

All of these amounts can not be correct. According to Metro 2 standards all reporting must be 100 % accurate. 

Your company clearly did not do a thorough investigation to make sure the information you were reporting is correct. 

This is my final attempt to rectify this situation. Failure to comply will lead to your willful non-compliance violation of my consumer rights.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

Website has been down and my card is being declined ( my credit score is XXXX ) no one knows nothing, erroneous info provided, no end in site, is this a breach?? Started XXXX that i know of. Calls to customer care no loner answered. Am furious... thus is A BANK!!!
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NE)

The XXXX XXXX, my property management company, sent my account to collections for a previous unit i lived in and I pretty much lost access to even see the adjustments after an XX/XX/XXXX move in on XX/XX/XXXX. In XXXX my property manager told me she'd get it to me the next day. Unfortunately I didn't receive anymore correspondance until I received a collections notice on XX/XX/2021, but didn't even get a ledger until XX/XX/XXXX. My fiancee received a collections notice XX/XX/XXXX.
Consumer complaint received 2022-03-01
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: AmeriHome Mortgage Company, LLC (FL)

On XX/XX/2021, the servicing of my mortgage was transferred from XXXX XXXX XXXX  ( XXXX XXXX  XXXX ), which was sub serviced by XXXX XXXXe XXXX to Amerihome Mortgage Company LLC. On XX/XX/2021, the XX/XX/2021 payment was made to XXXX through a bank draft. The XX/XX/2021 installment was not processed and I went online and made a payment to XXXX, accidentally, on XX/XX/2021. I also made the XX/XX/2021 payment to XXXX on XX/XX/2021. On XX/XX/2021, both payments were returned to me and upon research, I found the mistake as well as why the payments were returned and called XXXX mortgage to make the XXXX and XX/XX/2021 payments on XX/XX/2021. In speaking with the representative, I was assured that the XX/XX/2021 due date would be covered under RESPA. Per RESPA, I have 60 days from the date of servicing that the payments made to the prior servicer will not be considered late. XX/XX/2021, is the XXXX-day post servicing transfer. The XX/XX/2021 payment should not be reported late by the new servicer. XXXX XXXX is reporting the XX/XX/2021 installment in XX/XX/2021 as 30 days past the due date. This is incorrect and needs to be changed. I have made multiple calls to fix the error, I disputed with the CRAs, and I have faxed a letter with my explanation to XXXX with no investigation that fixes the issue. I was told by more than one agent on the phone with XXXX that they have a servicing date of XX/XX/2021, in their system and I suspect this is the reason the credit reporting has not been fixed. Per their " Welcome Letter '' the servicing date began XX/XX/2021, and they must abide by their official correspondence with me. I have missed my opportunity to refinance my mortgage for a better rate now that rates have been going up again. I could have saved thousands, but the error in the reporting has prevented me from going forward with the refi. I have attached the welcome letter and my bank statement proving payments to XXXX, payments returned from XXXX, and then payment to XXXX.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

This involves Comenity bank & their Sony XXXX XXXX XXXX XXXX I have a payment due & they have stated they are undergoing planned system maintenance & it's taking longer than expected. I went to pay my bill on Friday XX/XX/22, it wasn't up. Then on Saturday XX/XX/22, Monday XX/XX/22 & now today XX/XX/22. I am unable to even make a XXXX time payment either on the web or even by phone. You can't reach anyone in customer service via phone or email. They also didn't even let consumers know they were doing a system update. Please review their XXXXXXXX XXXX XXXX XXXX & you can see they keep saying the same message without giving anyone actual information. 

Issues : XXXX ) not communicating PROACTIVELY about a system update XXXX ) not allowing anyone to make a payment of any kind, either XXXX time or via phone XXXX ) finally stating TODAY ( XX/XX/22 ) there won't be late fees, but not disclosing about reporting late payments to credit bureaus. 
XXXX ) even though XXXX message said no late fees, there are varying messages saying the " grace period '' - XXXX said until next statement date, but a newer message stated XX/XX/XXXX, which is FRIDAY! System has already been down for XXXX full days. 

This is perceived as a money-making scheme at the consumer 's expense, by trying to get late fees AND being able to increase interest rates on late payment customer 's accounts. No direct communication & until something is in writing, many consumers are resting uneasy.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (MI)

Signed up for Kabbage checking account offering a { {$300.00} } cash bonus if terms are met. Earn a {$300.00} cash deposit into your Kabbage Checking account after you complete a total of 5 debit card purchases within 60 days of account opening. ( You must apply and be approved by XX/XX/2021. Terms apply. ) Opened Account on XX/XX/2021. Met the terms of the promotion on XX/XX/2021. Terms state bonus will be deposited 8-12 weeks after account opening and after meeting terms. XX/XX/XXXX bonus should've been deposited per the terms. Called in XXXX and said it would be deposited in 2 weeks. Called in XXXX, said it would be deposited soon. Called XXXX and said it would be deposited end of XXXX. Called today XX/XX/XXXX and still not sure when. Have to confirm with business team. False advertisement and not following terms of the promotion. I just want the bonus I qualified for per the terms.
Consumer complaint received 2022-03-01
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. (VA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2022-06-28
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 (FL)

On or about XXXX, XXXX I went on line to pay Capital One payment due for XX/XX/XXXX. The web site repeatedly displayed " HIT A SNAG ''. This happened the month before as well so, as i did before, i had to mail a payment. Today, XX/XX/XXXX i called and learned the payment mailed around XX/XX/XXXX was still not received so i paid another payment -this time by phone. The people i spoke to ( " XXXX '', a man, and XXXX  ( XXXX? ) a woman ) both would not remove the {$25.00} charge for a late payment even though they admitted the site often says " HIT A SNAG ''. I don't believe i should be charged extra because their system is often not operating. My Capital one account ends in XXXX if this helps identify it. 

My account with them is always a small balance with a lot of credit available so it is not a financial hardship i am having. Not at all. It is their poorly functioning on line payment system causing late fees to be charged.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (SC)

I believe the practices of XXXX AMEX are unfair and unbalanced ( race plays a role in offering and credit limit practices ). I have been a member and have never had a late payment. In fact, I pay my credit card bill headed of time. My credit score is above 770 and I continue to have problems when asking for a credit increase. I recently asked for a credit increase from {$5000.00} to {$8.00}. They use an excuse of credit score and past due items. There are two practices being untaken by those who are reviewing the information 1. They're using old data and the information is not current and/or 2. they are Discriminating based on age, sex, and race. In-fact I believe the race factor plays a role I have a friend who has the same credit card with a credit score of " XXXX '' and he has a credit limit of {$10000.00} dollars. He is also a white male. He is the same friend who referred me to get the XXXX AMEX XXXX card. Moreover, I have less debt or zero debt on my credit report and he has used about 30 % of his lines of credit with his credit card providers. The only answer I receive when applying for a credit line is either the data their referring to is old or there is a practice of Racial  Profiling when increasing credit limits.. This NEEDS TO BE FULLY INVESTIGATED including the interest rates that are given to members based on their " score '', business type, " race  '' and business location. All or any of these ACTs are a direct violation of the Federal Code.
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (CA)

I made a timely dispute of a vendor transaction for XXXX amex didnt submit it timely. 
then we submitted it a second time with a promise that if the vendor didnt respond, they would refund me. 
The fraudulent vendor of course didnt respond, but amex refuses to refund me.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One changed terms regarding interest charged on account. Prior terms explained no interested charged on account when balance paid in full prior to statement date. New terms state " How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the transaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. '' I contacted Capital One XX/XX/2021 XXXX demanded for interest charges to be removed from account after submitting full balance payment on XX/XX/2021 and balance due date of XX/XX/2021. First representative was unable to assist and requested supervisor. Supervisor stated above statement. I demanded for interest charges to be removed three times from account and she stated she would look into " opportunities to waive the interest and at this time there are no opportunities. '' I inquired when the terms changed as I have paid balance prior and was not charged interest. Supervisor stated in the past that was the case and did not provide a date for when terms changed. All credit revolving accounts have the terms of " no interest is charged if account paid in full by statement date. '' Capital One by unwilling to remove interest and having a balance on the account is affecting my ability to obtain new credit and affecting my credit score to receive the best rates.

Capital One by changing its terms is using predatory lending tactics that guarantees Capital One interest on all accounts by consumers. Capital One unethical business practices and predatory lending terms are further placing consumers in debt during a National Crisis of the Covid 19 Pandemic. Capital One is violating the laws on predatory lending during a declared National Crisis.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.