davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX XXXX card with commenity bank. I made a payment on XX/XX/2020. Both online and over the phone account says I have no amount due. However they called me 3x, my wife 5x and my in-laws 10x in one day claiming I have a {$5.00} late fee. Then the customer service rep told my wife good luck paying the late fee. This is harassment. I have never in my life been harassed by a bank for {$5.00}. They also called from a blocked number. I tried to speak to a manager but they wouldnt put one on the phone. These are harassment and predatory practices they need to be stopped!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXXXXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

I was the victim of identity theft through XXXX XXXX i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions (AZ)

On XX/XX/2021 i received notification of a change on my credit report. A debt owed of XXXX for rental recovery. I never received any notice that it was going to a debt collection agency. 
I spoke to the Regional manager of the XXXX XXXX. And she said this debt was taken care of because the damage that they claimed were from damage from water leaks. They sent me a invoice of the carpet with a 5 yr warranty. Carpet was soaked from pipe burst. 
All work orders were sent into XXXX XXXX XXXX I was living there for 2 years and they expect no damage and to move people asap. 
This company failed to send notification they were sending to any debt collection service. And never received and notices of any debt after i spoke to regional manager.
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (GA)

I am writing to formally express my concern regarding a significant error in my recent payment processing with your company. On XX/XX/24, my account was debited twice for my monthly car payment, totaling nearly {$900.00} instead of the expected {$450.00}. This discrepancy has caused me considerable financial strain and requires immediate attention. 

I attempted to schedule my regular monthly payment of {$450.00} on XX/XX/24. Although I never received an error message indicating that the transaction could not be processed, when I called customer service, they informed me that this is often the case for double debit transactions. 

This error has placed me in a difficult financial situation. As you can understand, such unexpected charges can create serious challenges for customers, especially those living paycheck to paycheck. I urge you to consider the implications of this system error with this company, as it could potentially affect many other customers who may not be as equipped to handle such unexpected expenses. 

I ask that you investigate this issue further and have the company provide a detailed explanation of how such errors can occur, along with the measures they plan to implement to prevent this from happening in the future. 

Please confirm receipt of this complaint and keep me informed of the progress regarding the investigation and resolution of my case.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently took out a loan to pay off my Bank of America credit card in full due to too many fees for a missed payment and high interest charge. I received an interest charge after paying off the full amount because this was accrued interest from a cash advance I was told. I called BA and asked them to close my account and waive this charge. In previous months I've had a number of charges because a bank debit was rejected and BA tried to charge for a second time. I called them ahead of time to tell them that the charge was going to be returned and asked for a few days grace, to try to avoid the fee. Each time I call BA, I'm told that they can not do anything because its automatic in their system. When I've pressed them on several occasions after being told there is nothing they can do, finally they will try another option. Having paid all my interest and fees and tried my best to keep good credit during a really difficult time with COVID, I've had enough of this system which is unforgiving and not trying to assist me as a customer trying to do my best.

I've now closed my credit card and want them to waive the final {$40.00} interest charge. Even though I was told this interest is valid because it applies to a cash advance, {$0.00} of this applies to interest on purchases, which is not valid.

I feel that even when I've done my best and proactively communicated with BA, have good credit, just paid several thousand dollars to close the card, and have paid lots of fees and interested, BA is harsh and not trying to work with me as a customer. Each time I contact them there is a lot of questions on the automated system and its difficult to get through. Customer service has at times told me there was nothing they could do, but when I pressed them finally it turned out they could in fact help.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (RI)

hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: North Shore Agency, LLC (CA)

I noticed a charge on my bill from XXXX XXXX. I called XXXX and my CC issuer and notified them of the error. I have just called XXXX on XX/XX/2021 they said there is no account under my name or phone number and have no reference to the acct # s listed on the debt letter. I called the debt collector, XXXX XXXX XXXX, and nobody answered as of XX/XX/2021.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX attempted to fix the issues personally many months from XX/XX/2022 til XX/XX/2022 then had a credit repair team attempt to fix it from XX/XX/2022 to XX/XX/2022 at this point the XXXX credit bureaus and defaming me and I framing that all reports not with dates that dont match and incorrect information be deleted immediately I spent over {$300.00} buy a printer, ink, stamps and envelopes and countless hours doing so. I then spent {$140.00} a month for 3 months with a credit team. Its defamation of character next step will be to sue. Also paying for XXXX and XXXX 9 months
Consumer complaint received 2022-10-19
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: CITIBANK, N.A. (CA)

In XXXX, I purchased airline tickets via XXXX. I even purchased travel insurance in case the flight had to be cancelled. I later received an email stating that XXXX cancelled my flight and that I would be reimbursed. The travel insurance I purchased through XXXX reimbursed me, but XXXX did not. I have spent countless hours on the phone with XXXX as well as Citi Card regarding this matter. I have given them all the information that shows that my flight was cancelled by XXXX, not me. I was reimbursed for the travel insurance. 
Citi Card, even after having all the information clearly showing I am not at fault, refuse to help me in the matter to get this resolved. 
These tickets were purchased to for my kids and I to see family after my husband passed away from XXXX. I had to repurchase the tickets through XXXX XXXX. Having to pay for XXXX 's error will be a severe financial burden on me.
Consumer complaint received 2021-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021, Bank of America ( BOA ) processed two {$70.00} charges on the same day from a company claiming to be XXXX XXXX. We made neither of the charges. The web address provided on our bill is fake. BOA later claimed that the company is XXXX XXXX XXXX, who has also denied charging us. BOA has denied our fraud claim twice and their Existing Claims department will not answer my call. Please help!
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Experian, You claim to need authorization to submit my dispute. I give authorization for you to process my dispute. My dispute is attached to this complaint and needs to be properly investigated. I have attached all needed information such as my I.D and Social security card to verify my identity. 

I already called to try and have this dispute entered and Experian gave me a hard time so It needs to be addressed and disputed now.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

Two accounts were opened in my name without my consent. XXXX XXXX was opened XXXX XXXX. XXXX was opened XXXX XXXX. Im concerned about this being on my credit report! These are unauthorized and I did not sign for them!
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

My complaint is with Stillman Law Firm in XXXX XXXX, Michigan. 
They are the lawfirm handling XXXX XXXX 's case against me. 
I contacted them three times in an attempt to settle/pay the debt I owe to XXXX. 
Twice via their automated online service and once via telephone. 
The only thing they have been able to do is verify the amount owed. They refuse to contact me regarding a settlement amount which was proposed and have indicated that my social security income is not exempt from any judgment and maybe garnished. 
Although I have a cease and desist letter on file, I granted them permission to contact me about a settlement and or payment instructions.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

Since XX/XX/2019 Bbva Usa has been reporting that I was 30 days late with my payment which is inaccurater and untrue. Although I have contacted BBva Usa about the issue and was reassured by the branch manager here in the local branch in XXXX XXXX that the issue would be resolved it never was. 
Each time I was referred to someone who claimed that they would resolve the issue but this issue was never resolved. I recently received correspondence by Bbva Usa that my credit card was being canceled due to my low credit scores. I find this strange due to the fact that my credit scores are higher now then they were when Bbva Usa issued the credit card to me.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (GA)

received call from XXXX XXXX ( XXXX ) XXXX, reference number XXXX. They said they would be coming to my house to serve me papers. The year of the so-called debt was when Iwas XXXX XXXX XXXX and the debt does not exist. I was supposed to be a bank debt and the bank ( Huntington Bank ) has no record of such debt. 

These people were equipped with my social security number and my current address of which I have just recently purchased this home.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I got a copy of my credit report from Transunion and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Transunion cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. This complaint has also been sent to the TransUnion Legal team. If nothing changes in 30 days, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (SC)

A third party company called Spring Oak Cap has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. 

XXXX XXXX says they are part of a collection company from XXXX XXXX XXXX XXXX XXXX XXXX for a credit card I do not own. 

XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a XXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.
Consumer complaint received 2021-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I owned a XXXX in Texas for XXXX years. I sold the business  to a person wherein according to the sales contract, he absorbed all debt and income of the business. This person proceeded to rob the corporation and sell off all assets for cash and successfully bankrupted the Corporation in 12 months. In his process he charged hundreds of thousands dollars on company credit cards, he never paid his vendors, he didn't pay any federal taxes or payroll taxes. He put hundreds of thousands of dollars in his pocket. He used a Capital One Credit Card that had my name associated with it and made a trip to XXXX XXXX, spending over {$26000.00} When he vanished and didn't pay the bill the credit card company came after me. That happened in XXXX and I have been explaining the facts to Capital One every since. Capital One refuses to correct and has ceased calling me but turned over to a collection company. I continue to get mail from them. 
Capital One reported the non payment to XXXX  XXXX XXXX and my credit score is very low. Too low to get any credit. I am XXXX  years of age. The only glimmer of hope I have is Capital will remove the complaint in XXXX, but at this time I suspect that I will not live long enough to see that happen. I was in business for XXXX years and handled XXXX  of dollars in purchases and payrolls. My credit was always excellent throughout all those years. Its certainly sad to realize that I must go to my grave with a bad credit report. I feel this is age discrimination at its worst.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX 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 XXXXXXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I filed numerous disputes with TransUnion credit to fix the reported amounts on my credit report that where hindering me from obtaining a good credit score but they continue to report incorrect amount and drop my score all together. Accounts like my car payments and a old collection which was paided in full is still reported even after showing proof of closed and paid in full. I believe that they discriminate against people of XXXX XXXX consumers in reporting credit.