davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX. 

On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX. 

I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX 

I told the bank the XXXX does not end until midnight. 

They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off. 

I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX. 

Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere. 

To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated. 

We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TX)

Hello. 

I am writing to inform the CFPB about a potential violation and deceptive business practices at TD Bank who is the servicing institution for XXXX XXXX. 

Scope of the complaint : I have held an account with TD BankXXXX XXXX for over 5 years. On XX/XX/XXXX, I made a payment in the amount of {$1000.00} from my Checking account. TD Bank received the payment and posted it on the account on XX/XX/XXXX ( see attachment 1 ). In a phone conversation with TD Bank/XXXX  XXXX on XX/XX/XXXX, I was advised by customer service of the following ; 1. TD Bank/XXXX XXXX received the payment in the amount of {$1000.00} on XX/XX/XXXX 2. Subsequently, TD BankXXXX XXXX XXXX XXXX hold on the funds and categorized it as a ( Pending : Memo Post Debit {$1000.00} ) for a period of 15 business days. I was further advised on 2 separate phone calls, as to the payment posting dates of XX/XX/XXXX & XX/XX/XXXX. 
3. I was advised by TD BankXXXX XXXX customer service representative XXXX that though the payment was indeed received and applied to the account, however, it is the policy of TD Bank/XXXX  XXXX and is listed in their Terms & Conditions as listed on Online Banking, any payments over {$500.00} is subject to a hold, and it is a blanket policy not based on any risk based segmentation. In review of the Terms & Condition ( Please see 2nd attachment ). Nowhere in the terms & conditions, does TD BankXXXX XXXX disclose this hold policy. The terms & conditions as displayed on the Online Banking portal, states the policy was last updated in XXXX. 
4. This is potential of UDAAP Violation and deceptive business practices. In my case, the outstanding balance was on a promotional offer, hence no interest is charged. 
5. In the event a customer does not have a deferred payment option, and maintains a high balance. Any payment greater than {$500.00} will not be given credit, and TB BankXXXX XXXX continues to charge interest on a per diem basis, resulting in an unjust enrichment for TD Bank/XXXX  XXXX and collecting additional inter
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Summary : Toyota Financial Services has despite my repeated communications failed to close my XXXX lease agreement and is requiring additional lease payments despite a dealer 's early lease buyout of my XXXX leased vehicle as a trade-in for a new XXXX vehicle. 

XX/XX/XXXX : Vehicle purchase by XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX FL ) of XXXX XXXX XXXX, with trade-in of XXXX XXXX XXXX ( including trade-in allowance of {$35000.00} covering lease balance/dealer net of $ XXXX XX/XX/XXXX confirmation by XXXX XXXX XXXX ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with Toyota Financial Services of dealer net amount XXXX XXXX XXXX contract, XXXX purchase agreement and title transfer documents attached ). 

XX/XX/XXXX Communication with Toyota Financial Services ( TFS ) Customer Support Center : requesting confirmation of no lease payment due, and providing TFS with documents-including purchase agreement and title transfer-to document XXXX XXXX XXXX dealer buyout of XXXX leased vehicle ) ( copies of Support Center messages attached ). 

XX/XX/XXXX Emails from XXXX XXXX XXXX to XXXX XXXX ( Business Manager, XXXX ) and XXXX XXXX ( Sales and Leasing, XXXX ; XXXX ) : indicating that Toyota Financial Services does not show dealer lease buyout and requesting dealer assistance ( see attached : Fwd : Your Recent Purchase Experience ) XX/XX/XXXX Communication with Toyota Financial Services Customer Support Center : indicating that XXXX XXXX XXXX has still not paid off XXXX vehicle lease, and requesting refund for customers overpayment ( copies of Support Center messages attached ). 

XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX The payoff check was mailed to Toyota Financial Services on XX/XX/XXXX. The check # is XXXX let me know once the payoff has posted. XXXX XXXX Business Manager XXXX XXXX XXXX ( XXXX ) XXXX ( copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) : Thank you XXXX XXXX XXXX copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX You are very welcome! Please feel free to reach out to me if there is anything I can do! ( copy of text message attached ) XX/XX/XXXX ( XXXX ) Text Message from XXXX XXXX XXXX to XXXX XXXX XXXX Business Manager, XXXX XXXX XXXX XXXX ( XXXX ) : Hello XXXX XXXX XXXX I checked today with Toyota Financial Services and they still show no payoff and now have me responsible for an additional XXXX lease payment. I am now even more concerned that something has gone wrong and that I will be held responsible to TFS for my trade in vehicle. Can anyone at XXXX contact TFS directly to straighten things out? TFS is not taking my word that XXXX purchased my trade in and paid off the lease. Thank you. ( copy of text message attached )
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

Back in 2019, XXXX allowed someone to establish an account for their services using my SS # despite the fact that my credit was locked with all three credit bureaus. I received a notice from a debt collector and after many frustrating months of poor communication and service from XXXX, we believed we had the issue resolved. Now, today I received a notice from a new debt collector about this exact same situation. XXXX, so far, has been completely unresponsive. I am beyond frustrated. Ironically, I have an account with them and have for the past XXXX years. They are totally incompetent.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (SC)

During our flight on Frontier Airlines in XX/XX/2022 from XXXX XXXXXXXX XXXX to and from XXXX, XXXX ( XX/XX/XXXX going and returning XX/XX/XXXX ) the airline stewardess talked up Frontier 's Mastercard stating that it had great perks ( including a {$100.00} flight credit for your next flight ) and points to use for flights. She also stated how Frontier has great flight options. 

We were sold, and as soon as we returned home in XXXX XXXX, we applied for Frontier 's Mastercard. After paying a {$89.00} fee for the card and using the card for XXXX XXXX, we were eligible for all the perks the stewardess had talked about. 

So, we used the {$100.00} flight credit to book a flight in late XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX 

A few weeks later, Frontier cancelled most of their XX/XX/2022 flights including ours, and all their flights from XXXX XXXX that were scheduled for XXXX! Nearly 2 months of flights cancelled at once! They also don't fly from XXXX XXXX during the winter months. 

If we knew that they were going to cancel 2 months of flights this fall from XXXX XXXX where we live, we would not have applied for their card. 

I've called Frontier and also Mastercard and asked for a refund of the {$89.00} annual fee since in my opinion the card was presented under false pretenses that the perks of the card could help me with Frontier flights out of our home airport in XXXX XXXX. 

Frontier Airlines and Mastercard both told me that they would not refund the {$89.00}. ( Frontier airlines said to call Mastercard and Mastercard said no but that they would look into it but never contacted me back as promised ) Would appreciate a refund of the {$89.00} Thanks XXXX
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I opened an XXXX credit card with First National Bank of Omaha with the promotional offer including 2 % back on every purchase, {$200.00} cash bonus when you spend {$1000.00} within the first XXXX billing cycles, no rewards expiration, 0 % APR first 12 months, etc ... all conditions were met except the {$200.00} cash bonus despite my meeting the terms of spending {$1000.00} within the first XXXX billing cycles. Calls to the bank first told me it wasn't part of my application but later, after connecting with a XXXX, informed me the promotion began in XXXX of XXXX - I opened the account in XXXX of XXXX - and that I was entitled to the {$200.00} cash back and it would be applied within XXXX days of the call ( XX/XX/XXXX ) or at the latest on my next billing statement ( XX/XX/XXXX ). It was not applied either in XXXX days of the call or on the next statement. I called them after the XXXX statement and was told they would look into it and call me back. When they followed-up they reverted to their initial claim that the application I submitted did not include the {$200.00} cash back offer and could provide no further explanation. 

There is no opt-in option for the reward on the application. There are not multiple applications. For unknown reasons this reward was not included in my account despite being an offer for all new XXXX cards and thus I am submitting this complaint on false advertising and misleading information both on the initial application and due to misleading information provided by a supervisor confirming the {$200.00} would be applied. 

The picture attached is the exact promotional terms I anticipated and were offered to all new XXXX card applicants beginning XX/XX/XXXX.
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC (MD)

Flagship financial has been harassing me. They call literally everyday XXXX times a day telling me I owe money on a car that I traded in. When I traded my car in at XXXX XXXX XXXX XXXX XXXX I was told it would be paid off. I haven't been in possession of the car since. I've talked to XXXX different people and explained this to them all. I've communicated this through email as well. I am tired of being harrased. They are calling me and my wife who has nothing to do with the car or the loan. I was under the assumption that only I ( the borrower ) could be contacted about a debt owed. Through XXXX XXXX XXXX yall already have possession of the car.
Consumer complaint received 2022-08-06
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. (NC)

I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights Regarding alleged account # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 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 15 U.S.C. 1681cXXXX : A Block and remove in 4 days
Consumer complaint received 2022-08-06
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. (NC)

I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 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 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days
Consumer complaint received 2022-08-09
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. (PA)

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the student loan account with XXXX XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, Experian, and XXXX. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have recently reviewed my credit report and score which have been affected by your company 's inaccurate reporting and scoring. 

I noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. 

You guys did not respect my right to privacy which is under 15 USC 1681 a number 4.

You did not exercise your grave responsibility, you were unfair, and you were partial. I have already taken the liberty and filed an attorney general 's complaint. 

You never had a permissible purpose Under 1681 b number 2. 

I never instructed you guys to furnish this report and I never consented to this report in the first place. 

What I am demanding right now is that you guys delete all these inquiries off my report right now Inquires to be deleted are just below this sentence. 

XX/XX/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 XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-09
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. (LA)

Ive been disputing accounts, incorrect personal information, and inquiries for over XXXX years with Experian. Experian has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Experian has " VERIFIED '' that the said debt is mine. 

Experian has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EXPERIAN HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this XXXX XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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.

This company 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 1002 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.
Consumer complaint received 2022-08-06
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. (PA)

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. 
Regarding alleged account # XXXX, XXXX and XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 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. 
XXXX5 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX Bank of America arbitrarily started charging monthly account maintenance fee from XX/XX/2021. There was no balance changes between XX/XX/2021 and XX/XX/2021. Statement copies attached XXXX XXXX Bank of America claims I never had a debit card. Debit card picture attached
Consumer complaint received 2022-08-06
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. (PA)

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. 
Regarding alleged account # XXXX, XXXX and XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 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. 
15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.