davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union (VA)

I deposited a {$2300.00} paper payroll check from my employer ( the same employer who direct deposits into my account twice a month ) using First Tech Federal Credit Union 's mobile banking app on XXXX  XX/XX/XXXX. The check was placed on a two day hold with part of the funds being released right away and {$1800.00} being placed on the hold. The funds were on hold through the following XXXX XX/XX/XXXX and a representative did confirm they would be released into my account XXXX  XX/XX/XXXX at XXXX XXXX Six hours prior to the release of the funds, four transactions came through my account for {$31.00}, {$49.00}, {$80.00}, and {$89.00}. For each transaction, I was charged a {$33.00} overdraft fee for a total of {$130.00}. This happened six hours prior to my funds being released and while the funds were on hold and visible in my account balance. The representative offered to refund one fee because " that is all he was authorized '' and " this is just how credit unions do business. '' He also proceeded to interrupt me and tell me that " XXXX  XXXX XXXX does this too. '' I am obviously upset at what appears to be a fairly typical practice in the banking and credit union industry. Over the course of XXXX ( during the hardest part of the pandemic ) and XXXX, First Tech Federal Credit Union has charged me over {$2000.00} in overdraft fees, some the same day my paycheck was deposited because of the banking industry practice of entering all debits first and then processing deposits. This is completely unfair. The banking industry, including more " customer friendly '' credit unions make their money off the backs of people who are in the most vulnerable positions. Accepted practices in this industry are appalling and unchecked because " that is how it is done. '' First Tech FCU, I have never asked for a dime back in my $ XXXX overdraft fees you collected over the past year, but today I am asking for all four of these overdraft fees that were taken while my funds were on hold and six hours from release.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have been calling torrid comenity bank for two weeks now to report a lost card and make a payment and they wont answer the phone. Their automated message hangs up and does not let you speak to anyone. They claim its system maintenance, however their online website is not working or accepting payments. The card is lost and the payment is due on XX/XX/XXXX but they will not accept online payments, will not answer the phone to make a payment and I have no way to access any of my information. I mailed a payment as there are no other means to contact them and the mail has been undeliverable. They should be forced to fix their system or at least answer the phone. I have a feeling they are going to try to nab late fees on people when it is no fault of our own they completely left us abandoned.
Consumer complaint received 2022-06-28
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. (AZ)

There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, XXXX XXXX  for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, Equifax and XXXX. XXXX immediately removed the false report, however XXXX and Equifax completed the investigation that the item was legitimate. I contacted both XXXX and XXXX XXXX and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and Equifax but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.
Consumer complaint received 2022-06-28
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. (AZ)

About 30 days ago I did Experian boost and my score went up to XXXX. One week later my bank was disconnected from boost for an unknown reason. I called Experian and they told me to reconnect my bank. When I did this my score went from XXXX to XXXX. I called 4 times and got XXXX different answers.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My mortgage payment, including escrow account, total changed from {$1900.00} to {$1900.00}. I made the payment of {$1900.00} on XXXX for my XXXX payment, which was {$5.00} short of total due. I always made my payments using Auto-pay and the total was not updated to account for the change in my escrow account contribution. I was contacted by Fifth Third bank by mail regarding the shortage and so I wrote a check for {$5.00} on XX/XX/2021. Fifth Third Bank contacted me by phone and I informed them of the check that was mailed out and they noted the payment was coming. I discussed the situation with the customer service representative. I requested the balance of {$1900.00} be refunded so I could make a new payment in full, {$1900.00}, but that was not an option. I corrected my auto payment to {$1900.00} and made a payment on XX/XX/2021 which cleared on XX/XX/2021. Check of {$5.00} was received and applied to my account on XXXX, bringing my payments to full. Fifth Third Bank reported me to credit bureau in XXXX for delinquent account total of {$350000.00}, not {$5.00}. My credit score dropped XXXX points because I payment was received but not applied to my account. 
The {$1900.00} was not applied to my mortgage account by Fifth Third Bank but was deducted from my checking. When Fifth Third Bank was questioned about why that payment was not applied they stated " they did not know what to do with the payment, and I never called to tell them what to do with it ''. 
I made all payments to Fifth Third Bank before and after the escrow total change. I have never defaulted on a mortgage payment with Fifth Third bank, nor any other mortgage company in the history of me owning my property. All communication with Fifth Third Bank was open and there was no avoidance on my part to correct the issue. The change in payment total did not impact the amount paid to my load, only to my escrow account. When I reached out to Fifth Third Bank there was no negotiation or talk of them helping me to rectify the situation. I requested to speak to complaints department and they stated a paper letter would need to be mailed into Complaints because they do not take phone calls. 
I did not request to do business with Fifth Third Bank, nor was it an option to not do business with them. The fact that I am in a contract with Fifth Third Bank without any control over the situation is absurd. I was planning to make additional mortgage payments to my account to pay down my house faster. This was an option with XXXX XXXX XXXX whom I refinanced with, but is not an option with Fifth Third Bank. I am bound to the contract of a company that does not align with my financial goals and most definitely does not have customer financial well being as a concern.
Consumer complaint received 2022-03-29
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. (GA)

XXXX XXXX is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified Experian, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting
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. (NY)

I am trying to make a payment through XXXX 's Comenity payment portal but the site has been down since XX/XX/XXXX. They have turned off the customer service phone lines and there is no way to contact a rep nor any way to make a payment. Most importantly, there is no estimate as to when systems will be back up. This is messing with peoples credit.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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 im XXXX now.with no help.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I purchased clothing XXXX XXXX and applied & received credit card. I was told I would receive statement in the mail. I called in early XXXX and was told statement would be mailed XXXX. The person I spoke to had no info for me nor were they able to give me info regarding my payment balance due. I waited an extra week assuming it would arrive. To date I have not received a statement either by email, text or USPS. I began contacting Ann Taylor XXXX XXXX Comenity Bank on XX/XX/27 & XXXX I have used their chat, emailed, text, called every number I can find, and am getting the run around. Only Comenity Bank can help me XXXX  told. Everything I try refers me back to Comenity Bank. I went to their website to set up payment & because system is down, it wont allow me to. The banks system is down and has been down for a few days apparently. All I get are recordings telling me so. No matter which number I call, I get same recording. I have called several numbers, several times. When I find a number for XXXX, and speak to someone, they can not help me and refer me to same numbers. Cant does the same. They do not accept payments in their stores. I have no statement, do not know amount due or date payment is due, who to talk to, I have no address to make payment to and as I said, no one to help me or talk to. The only daily emails I receive are for Ann Taylor discounts & sales. I am deeply concerned that the banks lack of ethics & customer care/response will affect my good standing credit. I am upset, stressed & frustrated. I regret applying for this master credit card. It is the ALL rewards Master Card.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (TN)

On XX/XX/XXXX I received a summons from the XXXX XXXX XXXX XXXX XXXX. The summons stated that I had to appear in court on XX/XX/XXXX, at XXXX XXXX. The attorney 's office XXXX XXXX XXXX was representing a company by the name of Cavalry SPV I LLC. The amount that I was being XXXX for was {$3500.00}. After receiving the summons I respond by sending three letters to address this issue. The following letters were a Cease & Desist, Debt Validation Letter, and another requesting other information to support the company 's right to collect this debt. All XXXX letters were sent on XX/XX/XXXX to Cavalry SPV I LLC and to XXXX XXXX XXXX  along with a green-certified return receipt via the US post office. On XX/XX/XXXX I received a packet from XXXX XXXX XXXX and a letter that stated an account with XXXX XXXX Shop Your Way with account # XXXX. The account was opened on XX/XX/XXXX for the amount of XXXX XXXXXXXX packet also contained a stack of billing statements from XXXX, no documents previously requested validating the right to collect the debt. One of the green-certified cards was returned on XX/XX/XXXX by Cavalry SPV I LLC. On XX/XX/XXXX I appeared in court at that time I was asked by the XXXX XXXX XXXX 's attorney to make payment arrangements. I decline to do so because under the Consumer Protection Act I was not given the information I requested and my rights are being violated. The attorney showed me a document signed by a representative from XXXX that I had not received but requested. A new court date was set for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received the 2nd packet very much like the first one however it stated that I opened the account with XXXX on XX/XX/XXXX. This is a very huge difference at less by 10 days according to 1st letter. I did not sign a contract with this company. I did not give them permission to contact any creditor or credit agencies. One hardship that I experienced was I had a store credit through XXXX for two years that was closed due to Calvary negative reporting that was in good standing. I can not apply to move to a new home because my credit is being negatively affected. I will attach my documents to support this complaint.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been trying since XX/XX/XXXX to set it up so that I could transfer funds from Truist to another bank account external to Truist. I am in an endless loop between entering the information, getting trial deposits, then completely unable to enter the amounts of the trial deposits so that I could finalize the process. I waited an hour to speak to a human on their toll-free line then that human promised to transfer me to someone who could be more helpful, and the call was cut off. The online chat function is mostly automated, but where a human is potentially available, the wait time is estimated at 30 minutes. Truist ( formerly SunTrust ) seems completely off the rails with no possibility of recourse.
Consumer complaint received 2022-10-10
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. (FL)

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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX # 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 an account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) section States : No consumer reporting agency may make 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.

14 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc. (CA)

Company Awa collections showed up in regard to alleged debt from an auto insurance policy I had closed with XXXX XXXX in XXXX. I have spoken with both XXXX  and AWA in regard to the mixup as well as misrepresented of closed account as a collection. When I spoke with a representative for AWA they informed me that they were not going to write off the account unless paid regardless of my documentation of closed account and was told they were only going to accept payment no other information would close the fraudulent collection account. When I spoke with representatives at XXXX they informed me that they do not have access only AWA did and that I would have to settle any issues with them being the account was closed with XXXX. I am getting the run around for an account I closed due to lies, deceit and a misrepresentation of the terms of the insurance account. Me, having closed this account with the organization the alleged debt originated from I see no reason there would be any collection. Clearly this was an oversight and mistake on the end of XXXX and now I am the victim in a scam and fraudulent attempt to steal and cheat the consumer
Consumer complaint received 2022-01-16
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: EQUIFAX, INC. (PA)

I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX # 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 and account without my written instructions.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX XXXX line of credit through Comenity. Their payment site has been down for some time now ( about a week ) and my payment due date is on the XXXX and I usually schedule a payment in advance and now I fear that my payment is going to be marked late with the bureaus and hit with a fee. 

Many others are having this issue as well. Phone lines are down and I am unable to get assistance anywhere.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received notice in 2021 that I was in default for a XXXX credit card, I was told it was for a card I had in XXXX. The debt was settled thru a third party several years ago. I no longer have the supporting documentation because its been more than 7 years. Now, this collection agency insists I owe this money and I do not owe it. I find it ridiculous that after all of these years they are trying to get me to pay something that I no longer owe. I want this removed from my credit report.