davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

After nearly 2 years of paying off my Capital One bill on time and in full, in XX/XX/XXXX/XX/XX/2019 they changed my due date from the XXXX every month to the XXXX. Despite the change, I made my next payment, as schedule on time and in full on XX/XX/XXXX. 

A couple weeks later, while reviewing my statement I noticed a {$25.00} late fee because they didn't post my payment until XX/XX/XXXX. I called customer service and they agreed it was their fault and removed the {$25.00} late fee. However, since then I've noticed interest charges of {$67.00} and {$21.00} dollars, despite continuing to pay on time and in full. When I called customer service to dispute the interest, I was told that the " late '' payment was my fault and I would owe the nearly {$90.00} and that I should just pay them through their mobile app to avoid future charges. So basically, Capital One is charging me {$90.00} in erroneous interest because of their mistake.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

I have contacted the mortgage company to inform them of inaccurate reporting of payments and loan balance. I have made several attempts to get the mortgage company to make the correction from XX/XX/XXXX to XX/XX/2019. The mortgage company did confirm payment was paid on time and the correct loan balance, however they will not make the correction with the Credit Reporting Agencies. I disputed the items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 with credit reporting agencies. The Credit reporting agencies stated that information was verified is accurate will not update the credit report with most accurate information. No supporting evidence of the balance and payment history was provided to support the decision.
Consumer complaint received 2022-04-27
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 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 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NH)

On XX/XX/2019, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. 

On XX/XX/2019, I called and left a message - the message stated my call would be followed up within one business day. It was not. 

On XX/XX/2019, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. 

On XX/XX/2019, There appeared to be an online portal, which allows you to request to freeze your reports. ( which was not there previously, or if it existed, was well hidden ) I did this, and wrote another letter, which was faxed. 

I have provided copies of the Fax Sent receipts, along with a copy of the USPS Certified Mailing, showing the items were delivered. 

As of XX/XX/2019, no reports or required PIN has been provided to me.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

I am XXXX years old and had wonderful credit until JC Penney mixed up my account. I had a Penneys card since XXXX and had never missed a payment. They have ruined my credit ; I cant even get XXXX card. Here is the scenario ( backed up with the attached receipts ). 
I had XXXX balance in XX/XX/XXXX. I made a purchase in XX/XX/XXXX which I paid off at the end of the month. This is what I have done for 38 years. Unfortunately, either my husband or JC Penneys made the error of adding an extra number ( the number 1 at the end ) to my account. The result is that we paid on time ( you can see our bank withdrawal ) and I have NO IDEA WHERE THE MONEY WENT. 
Please help me. Penneys wont talk to me at all. Synchrony bank will not listen about what happened. They want me to pay them over {$400.00} and you will see that JC PENNEYS OWES ME MONEY ; I DO NOT OWE THEM MONEY. I paid the balance but since the money went to the wrong account at Penneys, they say we did not pay. You will see from our bank statements that we did pay the full amount. They continued to add charges as if I had an unpaid balance for many months. 
Please, Please help me. You are my last hope. My son, my husband and myself have all called them and they kept telling us they would correct it but they did not. Now they have turned it over to a collection agency and JC Penneys will not take any of my calls. Please, Please help!!
Consumer complaint received 2022-06-23
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 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 an account without my written instructions.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (CA)

Multiple times i have tried to dispute a collections mark on my credit. First of all experian used to display that the collections mark would be off in XXXX or XXXX. Now it doesnt say that any more and the mark is still there. But i have given many reasons in my disputes including this as well as errors in the dates of the collection report and the collections agencies failure to locate the case with my social security number which they ask for on the phone. Experian has only given me vague dispute conclusions that say the collector is valid ; but thats it. No details perraining to my dispute. Im not even sure they looked into it. And to top it off experian went ahead and updated the collection report to todays date as opposed to 2019 which it had. So i can thank them for the extra two years of delinquency on the report. Not.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I attempted to make a payment on my Barclaycard Aviator AAdvantage Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the Barclaycard website, I accidentally chose an old XXXX XXXX XXXX Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with XXXX   XXXX XXXX causing an overdraft of my account by {$770.00}. XXXX XXXX XXXX then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 Barclaycard charged me a {$28.00} return payment fee. Barclaycard then attempted to run the payment again resulting in another overdraft with XXXX XXXX XXXX and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

XXXX XXXX XXXX did send an alert that I later found in my email, but Barclaycard sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from XXXX XXXX XXXX. 

I have called both XXXX XXXX XXXX and Barclaycard to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

The below info relates to CITI Bank ; Date : XX/XX/2019 * Issue : Credit Card Payment Allocation Methodology. 

- The bank is allocating the payment funds to the lowest APR segment instead of the highest APR segment so that they can maximize their profits. Further, the bank is not giving the option to the customer to decide where to allocate the payment funds ( which should go to the highest APR segment by default ) so that the customer is able to first liquidate the segment with the highest APR rate, and thus, save money on interest fees.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OR)

This company purchased my loan from the last company who had my loan. I did not know this and continued to make my payments to the old company. The old company returned two payments ( made completely and on time ) to  me. By the time I realized there was an issue I was 30 days late with the new company. As soon as I realized the issue I called the new company, paid in full, and enrolled in their automatic payments program. Because I can prove that I did believe I was making my payments on time and in full I have asked that they take the 30 day late payment off of my credit. They refuse. 

I did not ask for my loan to be sold. I made my payments on time to where I believed they should go. No one ever called me ( from either Fay Servicing nor XXXX XXXX XXXX ) and left me a message asking for a return phone call or sent me an email. Though they both had this contact information for me. 

I do not believe I should be penalized for this issue due to my loan being purchased and I am requesting that the 30 day late payment be removed from my credit report
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I attempted to make a payment on my XXXX XXXX XXXX Mastercard on XX/XX/19 for {$860.00}. When arranging the payment from the XXXX website, I accidentally chose an old Bank of America Checking account that I rarely use. My intent was to pay from another account from another bank. 

On XX/XX/19 the first attempt to process occurred with Bank of America causing an overdraft of my account by {$770.00}. Bank of America then charged a fee for {$35.00} for insufficient funds. 

On XX/XX/19 XXXX charged me a {$28.00} return payment fee. XXXX then attempted to run the payment again resulting in another overdraft with Bank of America and an additional {$35.00} fee for insufficient funds on XX/XX/19. 

Bank of America did send an alert that I later found in my email, but XXXX sent me no notice whatsoever that they had attempted to charge the account and received a nonsufficient funds notice from Bank of America. 

I have called both Bank of America and XXXX to ask that these fees be reversed because the total value so far is {$98.00} for an honest mistake. This seems like an unfair and deceptive practice focused more running up fees than serving a customer.
Consumer complaint received 2019-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAD DISPUTED A COLLECTION ACCOUNT XXXX IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX COMPANY ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY XXXX   AND TRANSUNION REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH XXXX AND TRANSUNION, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY  BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE DELETED IMMEDIATELY!
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

As a Macy 's consumer I decided to use the card to purchase a gift, however since I seldom purchase at the store, I usually pay with the Macy 's card for costumer points and pay off the card at the store at the same time since Macy 's allows that option to customers. I provided the lady with my Macy 's CC and also my Debit card to pay the charge on the Macy 's card. The lady said the transaction was complete on both cards  and the receipts were in the bag. ( This transaction was during the holidays and the lady seemed to be overwhelmed with customers and only charged the transaction in the Macy 's card but it did not pay the Macy 's card right away with my debit card, she also did not put the receipts in the bag as said ). During that time I was also in process of moving and contacted Macy 's with my new address location, however the bill was sent to the old address and never received any statements. Usually I like to check my barely used credit cards every couple of months. When I called and saw there was a charge in my account. I explained the situation and paid the bill right away. I explained that I never received any monthly statement when I requested an address change and also explained what happened at the store. If I noticed she didn't charge my card I would have called and paid the card that same day. I honestly thought since I have always been a loyal customer and always paid my bills on time and explaining this was none of my error as I did have the money to pay the insignificant charge amount, that the late charge would be removed from the credit bureau. Since they did not remove the late payment from my credit report, I found it ridiculous and closed the account due to the lack of negligence for not updating my address and throwing the fault at me on the day of the transaction. I have always been a loyal customer and have never paid late.
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-12-14
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. (TX)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Alert Details Alert Date XX/XX/2019 Source Experian Date Submitted XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX This acct shows closed paid past due charge off and still is a factor on my credit ratio. I have disputed it 7 times plus. Every time they just change words but never fix it. 
This acct is with a collection agency that calls me twice a week. I do owe this and for my reasons Im not paying them for what they pulled to get this acct were its at. I was never over my limit. Return check and they tacked it onto my credit card. Has nothing to do with my credit card. So with that said for two years its been play the credit reports game on not correctly reporting it.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

I have a loan with COMENITYBANK/VICTORI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and COMENITYBANK/VICTORI with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking 2.5hrs of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take XXXX days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.