davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX Transunion is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX XXXX  is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX XXXX   is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX
Consumer complaint received 2019-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with XXXX XXXX XXXX.
Consumer complaint received 2019-11-16
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: DISCOVER BANK (MO)

Between XX/XX/XXXX and XX/XX/XXXX there were over {$4000.00} in fraudulent charges made on my discover Credit Card. Most of which were online through money broking companies ( XXXX, XXXX, XXXX  .... ) Other charges were made by using the card # 's to purchase State Lottery tickets  that yielded the culprit a percentage of the cost of the lottery  tickets. Which was ALL profit, due to the fraudulent use of my card. 

I have had the card for 24 years, and never a problem or late payment. Even when faced with better offers I chose to stay with Discover due to their % 100 money back guarantee concerning non approved charges, Theft, and FRAUDULENT charges.. 

They initially reversed all the charges and sent me a new card ; living up to their claim of having my back % 100. This was last Winter/Spring. They decided to retroactively reinstate ALL the disputed charges .... ( Pause ) .... THE REAL kicker is, I not only was given NO REASONING, I was not given a heads up to the charges either. This has caused so much collateral damage, I have no choice but to take legal action if this can not be settled to my satisfaction.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (FL)

This account does not belong to me, It was open due to a result of identity theft. Creditor is required under the FCRA to provide me a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Creditor has failed to present method of verification for over 60 Days! Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In the Event XXXX has falsely state the following account verified who verified these accounts? You Must provide me a copy of any original documentation ; a consumer contract with my signature on it!
Consumer complaint received 2019-08-08
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. (NY)

Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my Experian credit report is incorrect. I was told to contact Experian directly and if corrected they can revisit my application. I tried to call Experian XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My XXXX and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from Experian was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX- {$1400.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX XXXX - {$1200.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX  - {$520.00} - Date Opened - XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/2008 and paid off closed on XXXX XXXX now I debt collector XXXX XXXX XXXX XXXX, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with bank of America and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different account
Consumer complaint received 2023-10-16
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (OH)

There is incorrect information on my credit report regarding a collection account from XXXXXXXX XXXX XXXX According to the law and FRCA this information has to be reported correctly. Remove this collection from my credit report immediately. 

XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2019-11-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Spoke with the company regarding the high interest rates that are charged. The Student loan taken out in 2007 contains, what I would call usurious, variable interest rate. Monthly over payments have been made month over month but the loan balance continues to increase. communication with the servicer has yielded the following response : " we are setting the rate at the investor 's behest. It's outlined in your note. '' It's honestly ridiculous to have an interest rate on a student loan be at 8 % especially when the fed has continued to cut interest rates ...
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

1. On XX/XX/XXXX members of our non-profit organization went to Capital One ( XXXX XXXX XXXX location ), only to find a " For Sale '' sign on the building. ( We were not notified of this closure ), We were trying to add the name of our new Treasurer to the existing account. ( Since 2003 ) 2. Since this is supposed to be a National Bank,  we went to Capital One ( XXXX XXXX location ), only to get delay after delay. We had all of the necessary identification and documents to add a name to our account. 
*However, we were informed that we would have to start a new account, because they couldn't find our account,. 
*They didn't know where our account was transferred, since the XXXX Branch was closed. 
*They didn't know how to locate our existing account. They sent us to the Louisiana Secretary of State, IRS, ect. 
*They were so incompetent, with so many conflicting ideas. 
*This is totally unacceptable. 
3. As of today, we still have not been able to simply add our treasurer 's name as an authorized signature for our existing account. 
4. I dont know how the Corporate Office of Capital One operates and conducts business, but this is ridiculous.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX in reviewing our American Express Card we noticed an extremely high interest rate. I immediately called American Express to understand why and was told that we were being charged a penalty interest rate for late payment in XX/XX/XXXX because payment was made after the XXXX cut-off date of XX/XX/XXXX on the XXXX of XXXX. 

In reviewing our bank records there were two payments made in XXXX, the 1st on the XXXX of XXXX and the 2nd ( for the next billing cycle from our perspective ) at the end of the month after the bill payment date of the current month. The payment on XX/XX/XXXX was above the minimum required for the XXXX billing cycle. 

When speaking to the representative, and then the supervisor, I was told that their records could not be accessed that far back and so I could not get an explanation why the XX/XX/XXXX payment was not applied to the billing cycle due XX/XX/XXXX, but in fact applied to the XX/XX/XXXX due date, which was already paid. 

I did not look at the statement closely until this month because we had been paying many times multiple payments through the month and did not expect that we could possibly be considered late in doing so. The representative stated payments can not be applied to future cycles if the statement was not generated yet, but could not tell me when the XXXX statement was prepared, only that it was 'probably ' prepared on the XXXX or the XXXX ( the date our payment was made ). 

Furthermore, American Express did not notify us of the change in interest rate, provide an opportunity to ensure payment was applied as intended, or review the rates 6 months after. The Supervisor I spoke to said the best he could do was fix the rate going forward. 

This practice of applying payments to past bills and then charging a higher interest rate ( nearly 30 % ) is disturbing to me and we would like for it to be reviewed. For the last 12 months we have paid twice as much in interest charges as a result of this practice then we should have, despite making multiple payments each month. I believe this practice, if looked into, may result in significant number of consumers overpaying on interest even though they have been making payments in good faith.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

Actually, numerous issues, but I'll combine them into this one complaint for now. Signed up for the Citibank XXXX XXXX XXXX credit card on XX/XX/2021 after several days seeing adds for {$50.00} reward plus {$5.00} per {$100.00} spent with new card enrollment, and made a purchase that day. The {$50.00} special award disappeared, no sign of it anywhere, and whenever I was able to get a live person, I just got a confused response as if they'd never heard of this {$50.00} bonus offer. 

Have been unsuccessful on numerous occasions getting anyone by phone or any true responses via secure email. IF their site recognizes your credentials, about 50 % rate, your secure emails requesting only general information on the whether the {$5.00} reward per {$100.00} spent was legit, and how it worked are met with refusal to put anything in writing and insistence to call them, at XXXX. This puts you into an automated system that keeps going around in circles getting your account credentials and social security number in spoken or touchtone, but never passing you to a person. 

I've requested they close the account since they obviously DO NOT honor either the {$50.00} special award, or {$5.00} per {$100.00} spent. I will NOT use Citibank nor XXXX XXXX XXXX again, and think they need to be stopped! Anyone thinking of doing business with either XXXX XXXX XXXX or Citibank needs to know they are fraudsters who DO NOT HONOR REWARDS OFFERS, and don't put terms in writing.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/2019, I returned from overseas, to find my Comenity Capital Bank Mastercard was missing. I immediately checked my account online to find that charges totaling {$640.00} had been made, primarily to an XXXX online store for {$380.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. I advised Comenity that I was reporting fraud, the card was cancelled and a new one issued. My notification to them was on XX/XX/XXXX and yet my statement reflects an XXXX charge on XX/XX/XXXX. When I called Comenity on XX/XX/XXXX, I was told that I did not need to call XXXX as they would do it as part of the investigation. I received a letter from them on XX/XX/XXXX stating that my fraud claim is denied as they can find no basis to support my claim. That was the extent of their explanation, except to add that the more than {$600.00} in charges would be put back on my account. I called XXXX after receiving the letter. There were 3 credit card numbers issued to me before and after this fraud occurred. XXXX looked under all three credit card numbers, under my email address, and could find no order number, no tracking number and my email was not in their system. I had looked through all my emails-no record there. XXXX told me that the credit card company should be able to track the charges made, but I received no explanation that they had done so. I appears that there was no investigation. XXXX had no record of speaking to Comenity. Comenity never called me to follow up, other than the form letter they sent. I called the  number they gave me if I have any questions regarding the investigation, and after waiting on hold for 15 minutes, I began to discuss this with the representative that answered, and the phone connection was cut. I have laid all of this out in a letter to the company, sent to the address they directed in their letter. I also advised them that I was contacting you as this seems to me to be suspect. What kind of company sends a form letter that tells the victim of fraud no details of what they base a decision like this on. Either I was defrauded or I am committing fraud. Without anything to justify their position that I owe this money, I have appealed their decision.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (OR)

I have agreed with American express on payment plan, and we agreed that they withdraw the monies automatically from my bank account ( auto withdrawal ), I have already made 10 payments out of 12 agreed payment agreed upon ( agreed to pay all by XXXX 2019 ), then they send it to collection agency for FULL amount, the original agreements was still in-force and they should have not send it o collection agency
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (MO)

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-11-16
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: JPMORGAN CHASE & CO. (WI)

trouble with Chase Visa CC XX/XX/2019 stmt had chg I thought was not correct. I notified Chase and they took chg off my acct. A few days late I realized chg was correct I mis read XXXX  as XXXX  and I knew I had not purchased anything from XXXX  a clothing store.I notified Chase right away and they put chg back on my acct. In the meantime XXXX sent me a bill for the items I purchased from them. I called Chase and asked what should I do? They said pay XXXX  direct and pay Chase the bal due on the stmt. I wondered if Chase had paid XXXX the amount they put back on my acct. I called XXXX to find out.. they had not recd any pmt from Chase. XXXX had recd my pmt so my bal was XXXX with them Chase refuses to clear my acct of the XXXX chg I paid direct to XXXX  on the direction fo Chase!! I have called Chase several times and sent them copies of the check I paid to XXXX TWICE.Its now XXXX and the chg is dtill on my acct. Can you help????
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Setup auto pay, for the due date. Apparently if it does not process by then it will be considered late. Also was told it can take 60 days to go into effect giving me another past due fee. The website is incredibly confusing and almost purposely difficult to facilitate confusion on the customers part. Logged into site again and see that auto pay is now not even on and had another late bill. Multiple calls with little help
Consumer complaint received 2019-11-16
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.