davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I have been with America First Credit Union for several years. I have always paid my balances on time. On XX/XX/XXXX I used their app to pay off my credit card balance. However, their limit was {$2500.00}. My balance was {$4900.00} so I made the {$2500.00} payment and called the very next day and spoke with XXXX. I told her there was a limit and I wanted to pay off my credit card balance but the app wouldnt allow it. She said she would take the remaining balance payment over the phone and waive the fee. Everything was great until I looked at my XXXX statement and I saw she did NOT take the authorized amount of {$2400.00}. Instead she processed XXXX. I did not authorize this nor was this the correct balance. I immediately called and spoke with XXXX. She corrected the situation by providing a XXXX credit to my checking. When asked about the interest fees she stated on a recorded line that because payment want in full I was assessed interest. I explained to her what had happened and asked for them to waive it because of THEIR limits. She could not. She transferred me to XXXX who wasnt able to help either. Finally I get another supervisor who said shed try to make an exception and would call me back. She called me back shortly after we hung up and said they couldnt waive the fees but recommended I pay earlier than my due date. This is unacceptable and honestly quite scandalous. I paid my balance on XX/XX/XXXX and XX/XX/XXXX. I shouldnt be charged frivolous interest on XXXX for a zero balance. I request the interest be removed and my account balance brought to zero as intended by my on time payments. Thank you in advance for your help with this matter.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AES/PHEAA (TX)

I have been disputing the late payments showing on my account for Fed Loan Servicing which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

EXPERIAN ONCE AGAIN IS ALLOWING A TRADELINE REMAIN AFTER XXXX  XXXX RECEIVED DEED AND ALL XXXX TRADELINES ARE GONE. 

DELETE THIS AT ONCE OR BE SUED. SEE ATTACHED
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nationwide Credit Corporation (MD)

On XX/XX/2018 I received a notification through a 3rd party consumer reporting monitoring service a collection account in the amount of {$190.00} was opened on XX/XX/2018 by and through XXXX XXXX without any notification of this said date prior to damaging my credit file. My credit score was decreased 89 points  by this unknown creditor back dating an alleged debt 9 months
Consumer complaint received 2018-09-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NY)

Chase credit card. When we are late paying which a lot but we always pay, they call the house phone and my cell phone. They are relentless. We always pay. I know if we paid on time we would not have this problem but given that we always pay. It's outright harassment.
Consumer complaint received 2018-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I recently tried to purchase concert tickets using the XXXX service. The service is backed by all of the major financial institutions making it seem more legitimate and trust worthy than other payment services like XXXX and XXXX. However, this service seems to worse and less secure than those. The person sent a request for me to transfer the money and I did so. It took multiple days to process the transaction and there was no clear way for me to monitor it and cancel it if need be. Two weeks have gone by and the person I was trying to purchase tickets from still hasn't given them to me. I tried calling Wells Fargo to see if they can reverse the transaction. The first person I spoke to said they could do a " money move '' and get me the money back. After that, I got transferred multiple times before someone put me on hold for about 20 minutes just to tell me that there's nothing they can do. They are aware of the transaction and even know that the money was deposited in an account with XXXXXXXX XXXX. However, they refuse to even contact XXXX about it. I called XXXX myself to see if there was something they could do, but they claimed that they couldn't do anything even though I knew the email associated with the account. They recommended that I speak to Wells Fargo. Wells Fargo basically told me that I have to get the money back on my own.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NV)

I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (FL)

On late XX/XX/2018, I received a letter, dated XX/XX/2018, from XXXX XXXX XXXX XXXX trying to collect for XXXX XXXX  XXXX. It gave me 30 days to dispute this. I called them and obtained their fax number. I issued a response on XX/XX/2018 which was faxed to them on the same day with fax confirmation. In my written response, I dispute their charges and asked that they stop calling, and they should respond in writing. Collection company frequently taped the phone conversation, but do not release the tape to the customer. As a rule, I requested all phone call be stopped, and all communication be in writing. Since my fax, this collection agency continues to call, the last call being today, XX/XX/2018 about XXXX. They also reported this disputed debt to Credit Bureau, both of which, I understand is not permitted by laws.
Consumer complaint received 2018-08-31
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: HYUNDAI CAPITAL AMERICA (FL)

This complaint is in reference to account # XXXX. XXXX XXXX placed a late payment on my credit report around XX/XX/2018 and my account was taken off auto pay. I have never been late in my life and contacted the company and informed them I was on auto pay and it was taken off early. This was not my mistake and it causing me severe financial harm. I was on auto pay and paying as agreed and their company somehow discontinued the auto pay when it should not have! I have sent them copies of emails from their company with this information. I am even in a new XXXX and signed a new lease and was told by the salesman everything was fine. Please remove this late payment asap, thank you.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OR)

My XXXX XXXX card was charged {$8000.00} for ( 16 ) {$500.00} gift cards. 
Original purchase was for {$23.00} on a fake web site. 
The individual took my card info a purchased these cards fraudulently. 
XXXXXXXX XXXX has determined I'm at fault for interaction between the individual and myself. 
He pretended to be afraid officer for XXXX and claimed he was reversing the charges, when he was actually purchasing more.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

Please see the attached complaint I sent to the CEO of Suntrust Bank ( now Truist ). I have received no response from Truist. I believe sufficient time has passed for a response, consequently I am contacting the CFPB.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (DC)

I purchased from XXXX XXXX credit card and purchase was shipped to the an address I have not been in for over 10 years I attempted to reach out and work with every one XXXX called to say XXXX policy was they offer gift cards instead of refunds we are going into end of XXXX I have no gift card and the only resolution I wanted was a refund back to my credit card and late fees refunded. 

I know all other credit cards refund in this instance this is unethical business practices when the consumer doesnt want a gift card but forces it on them I want full refund nothing else will do I have taken that extra step to talk to people and work with people on this matter I want what is rightfully mine to have
Consumer complaint received 2018-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I sent a letter off to XXXX XXXX XXXX asking them to VALIDATE a debt and they sent me back a bill that not VALIDATION. I would like for this account to be removed from my credit file. This account is stopping me from getting a house and I would like for it to be removed.Account number XXXX.
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and XXXX
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

My mortgage was sold by XXXX to Loancare LLC on XXXX XXXX, 2015. My mortgage payment was due on XXXX XXXX. I submitted a payment to XXXX electronically on the XXXX, not understanding that it would n't go through, and in fact I was given a confirmation number as receipt of payment. A week later I checked my bank account and no funds had been taken out of my account. XXXX 's website now said that my loan had been sold and gave me an incorrect customer service number for Loancare XXXX. After finding the correct number ( and calling XXXX to let them know the number on both their website and customer service line was incorrect, ) I spoke with Loancare who informed me that my payment had not been processed and was now late. I was informed by Customer Service that there were no late fees associated with it - in fact that no late fees could be associated with my account for 60 days after the sale - however, there is a one time payment fee on a sliding scale depending on how late your payment is. For payments 1-4 days after the due date there is no fee, 5-9 days is a {$5.00} fee and 10 days or more is a {$10.00} fee. They say this is a one-time draft fee and not a late fee, although I 'm at a loss to understand how this is n't a late fee in disquise. I made the payment to Loancare electronically - including the additional {$5.00} fee - because I wanted to make sure my account is up to date and I feared racking up any additional " fees. '' Their Customer Service Department said that they can not waive that fee and I should look to XXXX for reimbursement ( which does n't make a lot of sense. ) I believe that the " processing fee '' for late payments is in fact a " late fee '' illegally charged to customers during a confusing and poorly managed loan sale.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX  charged my card twice without my authorization, first charge XXXX and XXXX..i have disputed this with capital one and they credit my credit card and then 90 days they re billed me for the same charges, i told them over and over that i did not authorize this charge and they refuse to credit my credit ... .this is unethical ... .i did not authorize the charge, and i did not receive any merchandise as well ... i want those charges refunded back to my credit card ... they sent me a bill from XXXX and the bill did not have my name on it and did not have my address on that bill, so i do not know why they refused to adjust my account correctly
Consumer complaint received 2023-05-06
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF
Consumer complaint received 2023-05-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit reporting agencies are allowing a listed loan with XXXX at XXXX percent interest, well above the usury limits in Florida to deter identified predator practices against XXXX veterans. The credit reporting agencies should identify this as correct, and that they are allowing what was listed as predatorial practice percentages identified in the state of Florida to damage credit. The credit reporting agencies, also aid in the damage to my personal credit to be allowed as a tax write off in the percentage of XXXX percent, which I believe to be a fraudulent number when placed next to the state ursury law in place to prevent it. With that said, I wish the credit reporting agency to admit they are allowing these percentages to ruin credit for years, as well as companies writing off an larger than allowed percentage in tax advantages.
Consumer complaint received 2023-05-06
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. (FL)

All three bureaus are reporting late payments on these accounts. XXXX, Equifax and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, Equifax and XXXX are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (OH)

I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.
Consumer complaint received 2023-05-06
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. (KS)

I disputed an " inquiry '' with Transunion and they still have it showing on my credit report. I've tried calling them but can't get through to someone who can resolve this issue. Also, their automated system doesn't allow an " inquiry '' to be removed even if it is incorrect. 

TU show the " inquiry '' has been " verified '' as correct after I disputed it. 

Also, this company XXXX had put this on my credit report after they told me that it wasn't me who applied for their credit card. XXXX refused to remove the inquiry when I talked to them. Why would they " hit '' my credit with a " hard '' inquiry and then say my " identify '' couldn't be verified... double talk and doesn't make sense. I had " identity theft '' on another " bank '' right after they XXXX hit my credit... so this is very suspicious. XXXX XXXX XXXX XXXX is in XXXX where the " identity theft '' happened according to XXXX XXXX XXXXXXXX when I had to deal with someone opening an account in my name w/XXXX This is somehow related but I don't know how... just very suspicious. 

XX/XX/2XXXX XXXX XXXX dual card ( inquiry date )
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.