davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Bread Financial Holdings, Inc. (TN)

After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue. 

This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

My wife and I have two credit card accounts with Bank of America. One ending in XXXX and the other is XXXX. In XX/XX/year> we called to BofA customer service to console the accounts into. XXXX. We were assured at the time that this would occur Later in XXXX we logged into the website to payoff what we thought was the combined balance and account XXXX did not appear on the screen after logging in. Suddenly out of the blue, bofa began reporting this very delinquent balance. In addition to this not showing up on the website, we had no other communication showing there was a past due balance. This is the fault of BofA
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCI Credit Services, Inc. (MT)

I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

In a telephone call recored AGAINST MY WILL, that is, UNDER DURESS, I was forced to hear an employee of Wells Fargo Bank 's " executive officer '' tell me I am " spouting off '' in speaking about XXXX XXXX XXXX XXXX XXXX OF NEARLY ALL MY RELATIVES IN XXXX AND XXXX IN IT and matters having to do with improper and illegal fees of Wells Fargo Bank! 

" Spouting off '' is as defined by XXXX a most offensive and insulting and disrespectful expression but the employee DID NOT APOLOGIZE! 

Trying to solve the problem of these fees therefore becomes nearly impossible if not impossible given this attitude of the employee assigned to this problem! I do not " spout off '', I never have " spouted off '', and as a devoutly religious person never shall " spout off ''! 

So now, in effect, this problem of these " fees '' can not be solved given this atrociously appalling attitude of mind of this employee aforementioned!
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATLCRSYS XXXX Re : Cease and Desist Notification Dear National Credit Systems This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law.

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NATIONAL DEBT RELIEF LLC (AZ)

this complaint is based on ads by National Debt Relief ( " NDR '' ) and XXXX XXXX XXXX ( XXXX XXXX  '' ). In XXXX, XXXX, I was once again diagnosed with XXXX and got behind on my monthly bills due to prescriptions, medical bills, XXXX, etc and enrolled with NDR to pay off my creditors. I was promised they would negotiate the bills 50 % of the amount owed and that they would IMMEDIATELY contact my creditors. This was not done and most of the negotiations were 40 %. After receiving constant phone calls and mail from creditors, I CONTACTED THEM MY SELF and informed them I wanted to be honest and pay them off, but didn't have the $ $ to do so. I gave them NDR 's phone number and case number. Unfortunately, that was not enough. In XXXX, XXXX, I was served ( personally ) with an Order to Show cause by XXXX XXXX  ( XXXX XXXX. I immediately contacted NDR and was told they would immediately " get on it ''. I asked for a copy of the Response they would be filing, however, to this date, despite NUMEROUS requests, I received NOTHING. In XXXX, XXXX, I received an email congratulating me on my graduation from the program and showing a XXXX balance to all creditors. However, this was not the end, they turned the balance they claim I owe to XXXX XXXX XXXX. I had received emails from XXXX in the past, HOWEVER, I NEVER signed a contract or activated my account with them as I was waiting for a contract setting forth the balance they claim I owed, the APR, the terms of service, the monthly payments, etc. I NEVER RECEIVED SUCH so I ignored their emails to activate my account! On XX/XX/XXXX, I checked my balance at XXXX and was shocked to see XXXX debited my account for {$260.00}. I NEVER AUTHORIZED THEM TO DEBIT MY ACCOUNT FOR ANY FUNDS and, in fact, NEVER signed a contract with them. I have since stopped any further debits from NDR and XXXX and on XX/XX/XXXX, I contacted NDR and informed XXXX XXXX of such blocking. THIS IS UNETHICAL AND FRAUD ON THE PART OF REACH FINANCIAL SERVICES.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (PA)

XXXX ID is XXXX. 

I am writing to express my dissatisfaction regarding the unexpected closure of my account and the unresolved issue of my unredeemed rewards. 

On XX/XX/XXXX, I reached out via online message to inquire about why my account was closed without having received any prior notice. On the same day, I received a response stating that I needed to use my card within 30 days of the date of the letter to keep the account open. All relevant conversations regarding this matter are shown in the attached files, XXXX. 

Following that, on XX/XX/XXXX, which was within the 30-day timeframe, I called Barclays again to ask for a replacement card since my original card was damaged and also about redeeming my XXXX miles in rewards. The agent informed me that I could redeem them for cash back and that a check would be mailed to me ( see attached file XXXX ). However, despite more than two months having passed since that conversation, I have not yet received the check. 

I have reached out multiple times via online message but have not received any valid or actionable response from Barclays. I called your customer service team again tonight, but unfortunately, there was still no response or resolution to my issue. 

Note all phone have been recorded. 

I am extremely disappointed with this lack of communication and follow-through and would appreciate immediate action on this matter. Please advise on the status of my rewards redemption and provide a timeline for when I can expect to receive the promised check.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$120.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$10.00} XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$900.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX. XXXX, XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$250.00} XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$800.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$700.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$760.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$330.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-10-17
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 (FL)

On XXXX XXXX 2017 I called regarding the annual fee that I WAS NEVER R TOLD ABOUT when I called the company to get a credit card for the first time. The representative approved me over the phone but he never said anything about an annual fee ... Fie the past couple of years I have called and have explained the situation and the representative had been able to waive the annual fee Tonight XXXX XXXX employee number XXXXRefused to waive the annual fee that I was never informed I had to pay when I was offered the card over the phone.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MI)

I started to refinance my mortgage on XXXX/XXXX/XXXX and are one condition away from closing my loan. However, my bank and I are being denied a payoff from my current servicer. 

My new bank and I have been asking for the payoff for approximately over one month. The past two weeks ( XXXX to XXXX XXXX, we have been calling every other day to get the status of the payoff request and keep getting the " run-around ''. No one seems to be able to resolve the issue or provide CLEAR reasoning why I ca n't obtain a payoff. " it has something to do with my discharged chapter XXXX bankruptcy '', they keep telling me. I was discharged from ChapteXXXX XXXX BK in XXXX, XXXX and this servicer has still been unable to provide a payoff. I have made all my payments on time in the last 24 months and the payment history has been verified with a data agency. 

At one point, in XXXX, XXXX, I was told everything was fine. Later that week, I was notified the information given to me initially, was incorrect. Furthermore, my new bank has been able to update my mortgage and report the current balance on my credit report ... yet ... the servicer will not provide a payoff!?!?! 

I am extremely frustrated with this servicer and from what I have learned/researched, it is illegal to deny a customer a loan payoff. Please help!
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently checked my credit report with Transunion on the XXXX of this month. I noticed that a few inquiries were removed as well as a account for XXXX. I checked back today and I see that those same items was reinserted back on my report with them notifying me via mail within the five day according to the FCRA. The dates on all these accounts was changed to reflect current dates which is also not legal. XXXX changed there name when they was added back onto my credit file.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally request the blocking and deletion of specific accounts from my credit report in light of a recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of accounts that I believe should be blocked and deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Additionally, I request that you also investigate the following inquiries, as they may be a result of unauthorized access to my personal information : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MI)

I have an excellent credit history, I am a home builder and buy numerous homes at local auctions, fix them up and flip them. I depend on my credit for business and my credit score typically runs between XXXX-XXXX. A few days ago my credit took an incredible drop due directly to a Synchrony BP card in my name ( SYNCB Bank ) that reported inaccurate information to my credit reports. It is a card I rarely use and paid off months ago. 
After researching I found out that somehow my statements where changed from being mailed to me to online only. I NEVER have online delivery of my statements and believe this could have been inappropriately initiated by Synchrony BP Card. As a result a small balance, which I am not sure is mine of {$360.00} went 40 days late. Synchrony bank never sent me updates, reminder, statements, phoned or in anyway attempted to contact me. My credit score on XX/XX/2016 was XXXX. On XX/XX/2016 after XXXX reported I was late, my score dropped to XXXX. ( See attached documents ) I contacted SYNCB bank on XX/XX/XXXX, disputed the late charge, requested an investigation and demanded the late payment be removed from credit reports immediately until the investigation is completed and then updated accordingly. I have also filed the appropriate disputes with XXXX, XXXX, and XXXX. I do not have faith SYNCB will conduct a proper investigation and follow federal policy by removing the late payment status until the investigation is completed. Additionally, as a result my Auto insurance was just raised by {$180.00} a month die to my XXXX score
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX EXTENDED ME CREDIT FOR PURPOSE OF GETTING MERCHANDISE. I MAINTAINED GOOD PAYMENT NEVER LATE OR MISSING ANY PAYMENT XXXX CLOSED MY ACCOUNT WITHOUT ANY CONVERSATION OR LETTER INFORMING ME OF THERE INTENTIONS. I REACHED OUT TO FIND OUT WHY THIS ACCOUNT WAS CLOSED THEY INFORMED ME THAT ANOTHER CONSUMER REPORTED THAT THEY SHOULD CLOSE IT OUT. I EXPRESSED THAT CLOSINGA GOOD ACCOUNT WOULD AFFECT MY CREDIT AND SCORE. THEY SAID THEY HAVE ECERY RIGHT TO DO SO I INFORMED THEM THAT WE HAVE A ( LEAL CONTRACT WHICH WAS USED TO OPEN THIS ACCOUNT AND IF I MAINTAINED THIS IN GOOD STANDING IT WOULD BE REPORTED AS SO. IN DOING SO IT STARTED A RIPPLE EFFECT MAKING MY SCORE DECEASE AND KEEPING ME FROM GETTING OTHER OFFERS OF CREDIT. THIS IS A VIOLATION OF ARE AGREED CONTRACT IF THEY CAN WILLINGLY CANCEL MY CONTRACT THEN THIS MAKES A CONTACT VOID.AND THOSE ALL AGRREMENTS NO LOGER BINDING SO I ASKED THEM TO REMOVE THE CREDIT REPORING ACCOUNT SICE IT WAS THERE REASON TO CANCEL THE CONTRACT THEY REFUSE ( BREACH OD CON TRACT ).