davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Consumer complaint received 2018-02-16
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: SYNCHRONY FINANCIAL (VA)

THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
JC Penney card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are multiple inquires listed on my credit report that I have no knowledge of and did not authorize. 
1. XXXX XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX I disputed these inquires and was told they are a matter of fact, how can that be if I have no knowledge or did not authorize them.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NY)

Good morning, yesterday, XX/XX/XXXX, I received a new credit card statement from Wells Fargo regarding my XXXX XXXX XXXX  card.Upon looking at it, I was charged {$830.00} in interest. The problem with that was that I was receiving emails from Wells Fargo stating that I had until XX/XX/XXXX to pay off my remaining balance in full before I would start getting charged interest. The first email came on XX/XX/XXXX, at XXXX XXXX ; and I received a second onXX/XX/XXXX at XXXX XXXX, which was hours before Wells Fargo sent me that statement with the interest charge. I have attached both emails as .txt documents below.

I then questioned Wells Fargo via message center on their website and I received a response from someone named XXXX and part of her response was : " You have two promotion on this account with no interest if paid if full that ends on separate dates. The first purchase made on XX/XX/XXXX expired on XX/XX/XXXX and the second purchase made on XX/XX/XXXX expires on XX/XX/XXXX. '' I was never informed of a promotion that ends on XX/XX/XXXX, since I have set up my Wells Fargo account to automatically send payments on certain dates to avoid late fees. Those two initial reminders form Wells Fargo about interest fees certainly did n't mention anything about XX/XX/XXXX. I again contacted XXXX via the message center and asked why I was being charged something I was never informed about when they did n't hesitate to remind me twice about interest before, and I was willing to pay off the remainder of my balance minus the interest fee, which was {$300.00} right then and there if the fee was waived. She replied there was nothing she could do and I then sent a response saying to cancel my card, I would like to speak to a manager, and that this practice is deceptive because it charges on a fee that was never mentioned before. I never received a reply after that, so I am assuming that they have closed the complaint. I have also attached those conversations below.

The real problem about this is that I was systematically trying to pay off my debts to raise my credit score because I am trying to buy a home. My balance for this Wells Fargo card before the interest fee was {$300.00}, which I was planning to pay off on a weekly basis until XX/XX/XXXX, which is what I was told by Wells Fargo was the deadline to pay in full without interest fees. In fact, I had a payment scheduled on XX/XX/XXXX that cleared for {$100.00} to get the balance down to {$200.00} and I would pay off the rest the next two weeks. It is unfair to be charged {$830.00} in interest unknowingly for a {$300.00} balance all because the credit card company was informing me of a date later down the line. Having a balance of {$1100.00} is a big difference than having no balance at all when it comes to paying off bills, and that charge is really going to set me back.
Consumer complaint received 2018-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland has not removed this debt collection of my credit report even though the collection was paid .Disputed the information through XXXX and the information was updated as if I still owe I would like this account to be removed off my credit report immediately.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (AL)

Problem with Citi Price Rewind program redemption. Bought a TV at XXXX ( {$240.00} ) and found that the price had dropped {$100.00} the next day and local stores quickly sold out. Citi 's " price rewind '' program supposedly offers to reimburse the difference in price when a price drop occurs. I submitted the required materials for the claim, including my purchase receipt and a screenshot of the lower advertised price with the TV in-stock at another store. Citi rep says claim was denied because they could not verify the advertised price over the phone with an store associate. The did not even get a name of the person from the store. 

The submitted screenshot of the lower advertised price was valid and the XXXX associate most likely did not know and/or gave bad info. There is no mention in the T & C 's of this program that a valid advertisement for a lower price needed to be confirmed by a ( nameless ) hourly store associate. 

I have read similar complaints for this card benefit offered though Citibank and wanted to add my story to warn others.
Consumer complaint received 2018-04-02
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 (NJ)

XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

In XX/XX/2018, my mortgage loan was transferred from XXXX XXXX XXXX c/o XXXX XXXX to XXXX XXXX XXXX c/o Specialized Loan Servicing LLC. 

I sent my XX/XX/XXXX payment ( amount XXXX ) to the new address ( XXXX XXXX XXXX, XXXX GA, XXXX ) with the old loan account number on the check. The check was cashed on XX/XX/2018 by Specialized Loan Servicing electronically and not credited to my account. 

I contacted SLS on XX/XX/XXXX explaining the mistake. A ticket was open to research it.

Resolution date from SLS is given as XX/XX/2018. That is after the RESPA protection window, so I may be subject to fees, penalties for this misdirected payment. 

This is not a timely resolution for a simple misdirected payment, in my opinion. And that my check was cashed and held by the servicer means that I would have to make double payments to bring my loan current.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee. 

After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino. 

I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''. 

I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX   had fees before XX/XX/XXXX. 
-Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees. 
-These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties. 
-A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary. 
-On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.
Consumer complaint received 2018-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, we paid ourXX/XX/XXXX mortgage payment of {$1200.00} by USPS certified mail. Chase misapplied our mortgage payment as a principal reduction payment onXX/XX/XXXX. Chase reversed the misapplication on XX/XX/XXXX after numerous secure messages and a certified letter. Chase refused to send our XX/XX/XXXX mortgage statement from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, Chase uploaded our XX/XX/XXXXmortgage statement to the Chase Mortgage Online site. The actual XX/XX/XXXX mortgage statement was backdated to XX/XX/XXXX. I received the XX/XX/XXXXmortgage statement by USPS on XX/XX/XXXX. Chase is backdating customer financial records.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elite Financial Services, Inc. (MO)

This letter is a formal complaint against Elite Fin, a collection agency located in XXXX, Mo. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I ca n't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

this information was disputed back in XXXX XXXX XXXX XXXX this was disputed and cleared from all three credit bureaus, and recently but back on my credit report, this was theft and people got credit in my name without my permission, remove permantely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX, EXPERIAN AND XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and hard inquiries , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should XXXXedact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

On XXXX XXXX,2017 @ XXXX I checked in the XXXX XXXX XXXX for two nights. My XXXX card was charged {$230.00}. Hotel also requested {$100.00} for incidentals which I placed on a bank master card ending in XXXX.

XXXX last 5 on the card XXXX.

The morning of XXXX I went to the front desk and requested a check out after one night, because a snow storm was approaching New York. I did not want to stranded there.

Hotel clerk ok 'd the departure. Included his name on the invoice and wrote for one night, which I did request. I have had problems with XXXX before Charges were processed as stated on invoice total for the one night {$110.00} {$230.00} less {$110.00} is {$110.00} which should have been returned to my card within 5-10 days. As I begin to call about the return of my money to the card things became complicated. One supervisor said " it would take 45 days '', I kept calling, then I was given a phony number to fax any documentation I had as proof, the number was for the gift card department and not a fax machine. After two more wrong numbers I was given the right number for a fax machine. I paid {$14.00} and faxed the documents same Documents I 'm sending here. I called that same day to tell my story to the first responders who answer the phone and requested they give me a supervisor. this time it was XXXX. I explained to him what I had done ; he placed me on hold to check, he returned 5 min. later and said " they did not have them and he wanted me to resend them. I asked him if he really want me to go spend another {$14.00} totaling {$28.00} and send these papers. He said he would refund the money I spent faxing the docs. I strongly believe it not too be true of refunding {$14.00}, because of the anguish I have experienced just trying to recover the money they owe me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-04-02
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. (OH)

I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CA)

I had {$170.00} dollars charged to me after cancelling my XXXX XXXX XXXX trial month. This has been an ongoing battle against XXXX XXXX, BMO, and me. Approximately XXXX months ago, I signed up for a one-month trial of XXXX XXXX XXXX XXXX for my work. I cancelled my " subscription '' a week before the one-month period. I am demanding my money be refunded back to me. Before Bank of the West turned to BMO, this would have been investigated and I would have been justified in my favor. However, since BMO merged with Bank of the West, BMO cares only about the merchant than his or her own customers.
Consumer complaint received 2023-12-30
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. (GA)

In accordance with the Fair Credit Reporting Act, These creditors have violated my rights under 15 U.S. code1681 section 2. I have the right to privacy.

Also 15 U.S. code1681 section 604a a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 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, 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.
Consumer complaint received 2023-12-30
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX / XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

15 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.