davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Chase closed all of my credit card accounts after reviewing my credit report. They said I have too many new accounts opened and too many recent inquiries, even though almost all of my new accounts shown are authorized user accounts on which I am not the responsible card owner. I have never defaulted or missed a payment with Chase or any other bank and I never carry a high balance on any credit card. I also have {$15000.00} in a Chase savings account and an auto loan with Chase.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (IL)

On XX/XX/2017 DCI responded to my dispute for validation. Based on the information they provided, per law this does not serve as a proper validation. A billing statement is NOT validation! Regardless to their claims to not have ever received a dispute from me is irrelevant to the fact that DCI has not provided proper validation as requested.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I asked Experian to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (PA)

I have a credit card with the same company as my boy friend at the same address. We recently closed all of his accounts with the bank and one is late a month which I was going to make up when I get paid Friday. It's not issue I just had a medical issue and we were unable to pay it last month. Now I go into my account, first the letter they sent in my online account stated information I requested. I never requested any information from them on XX/XX/XXXX which is when it was sent. 2ndly I never gave them permission to run my credit on this date so it probably affected my credit score. Secondly they state that they are decreasing my credit limit because my credit score has dropped. I find that false information as I looked at the one on XX/XX/XXXX where I did request an increase and i have the document my score was XXXX, the one the ran without my permission on XX/XX/XXXX went up 12 points to XXXX. So false reasons given they're doing retaliatory action on my account because my boy friend canceled all of his cards and one is past due. This is illegal.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I applied for an Amex Business Platinum card and received a denial. I requested that the application be reconsidered. On XX/XX/XXXX I received a letter denying my application again. The letter references an XXXX XXXX  report dated XX/XX/XXXX, over a month old. Amex Claims that the XXXX report was the most recent they have which is patently false. Not only did the Amex app itself show that they had an XXXX XXXX report dated XX/XX/XXXX, but my official credit report stated there had been a soft inquiry on my XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Amex denied having any newer report to reference. They told me to reapply for a card and it should fix the credit issue on XX/XX/XXXX ( one day after the most recent inquiry ). I did as they suggested over the phone with a representative. again my application was denied because this time because they had denied an application within the last 30 days had I not been told to reapply I would not have done so. On top of this the denial said that I had accounts not paid as agreed which is also false according not only to experian but also XXXX XXXX. XXXX states it has been 1 year and 3 months since a late payment and XXXX XXXX states it had been 1 year and 9 months on a report pulled on XX/XX/XXXX.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2018, I made a large purchase at XXXX XXXX in XXXX, Texas for over {$6000.00} with a promise of interest-free financing for 24 months. After making a down payment, I navigated to the website for my XXXX card to set up recurring payments at the calculated amount to pay off the balance before the 24 months expired. These payments were automatically withdrawn from my account on time each month for two years. At some point during this time, I was encouraged by Comenity to receive paperless statements, and no longer received them in the mail. Instead, each month I received an e-mail with the amount due and the due date. The automatic payments continued and I was excited to have reached the end of the two years of payments only to discover that I had been charged more than {$1400.00} in deferred interest because the credit card auto-payment date was 8 calendar days after the terms ended. Had I not been persuaded by Comenity at numerous occasions ( online, over the phone, and in statements ) to elect for paperless billing, I would have been informed of the pending end of my terms and adjusted my final payment. Instead, at every opportunity, Comenity urged me to stop receiving paper statements. Once I elected from electronic statements, I received an e-mail each month with the amount due and the due date for my upcoming auto payment. In none of these e-mails was there a warning of the upcoming ending to the terms of my interest period. After several calls to Customer Service, I was told that it was my responsibility to read the fine print in the statement ( which they urged me not to receive in the mailbox ). This is unethical behavior and a failure for Comenity to honor their duty of good faith in the execution of the terms of this agreement. They purposely tried to hide this date form me creating obstacles at every turn ( messages when calling their customer service, pop-ups on on their website, etc. urging me to use paperless billing ). Once enrolled in paperless billing, on several occasions I visited the Comenity website to find that the system was down, unable to display statements, and only accepting payments -- preventing me from being able to view my full statement. Comenity is engaging in unethical practices by purposely hiding this information from consumers and failing to take responsibility and blaming the customer on their oversight of the issue. Alliance Data prides itself as a loyalty company, but this is no way to build loyalty. Comenity is not a court nor the federal government, and therefore does not have a right to impose a penalty, and that is exactly what this charge of over {$1400.00} is.
Consumer complaint received 2020-02-28
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 (GA)

I received an auto loan through Capital One Auto Finance in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and Capital One Auto Finance was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check Capital One received final payment for my loan. I called Capital One Auto Finance XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Consumer complaint received 2020-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Account Control Technology, Inc. (MN)

XX/XX/2015 I got hit with a {$3800.00} in fees and costs, {$1100.00} in interest. Bringing my loan amount from {$14000.00} up to {$19000.00}. I could not make any payments because I was working for $ XXXX/ hour and commuting 2 hours a day. I barely had money for food let alone gas to get back and forth from work. Then the interest goes up on the next bill to {$1700.00}, the next one after that,  {$1900.00}. And you stupid XXXX crooks expect me or anyone to pay more then that a month? XXXX you. You garnish my wages at a low amount so you could leech off more interest and add more fees. I'm going to be getting in touch with my states attorney. You XXXX have taken way more then what was owed to begin with. I also see that you guys and the XXXX XXXX screwed over many other students by handing out loans like free candy. Oh, and above all that. You guys also crippled my credit score with your 16 different freaking loans
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/2020, I ended the day with an available balance of {$1000.00} in my checking account On XX/XX/2020, I made a payment of {$1000.00} to pay my credit card On XX/XX/2020, I was charged a Non-Sufficient Fund fee of {$38.00}. When I called in to inquire about this fee, I was told that a hold was put on my check deposit so even though the display balance was {$1000.00}, my actual balance was only {$500.00}. The agent offered to waive the fee and I accepted. I confirmed that this time my available balance was the full amount {$1000.00} On XX/XX/2020, I tried to re-make the same payment of {$1000.00} to my credit card. I double checked that both my available balance and my posted balance was {$1000.00}. After I made the payment, the balance dropped to XXXX On XX/XX/2020, I was again charged a Non-Sufficient Fund fee of {$38.00}. BBVA seems to engage in deceptive practices of charge NSF fee when not applicable, or purposely hides the true balance of an account so customer would incur NSF fee.
Consumer complaint received 2017-10-24
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)

Several times I have communicated with chase bank, XXXX and TransUnion to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, XXXX and Transunion do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
Consumer complaint received 2017-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have nonauthorized credit inquiries. I filed disputes to have them removed but nothing was done. Some inquiries are duplicates and were added the same day.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF HAWAII CORPORATION (WY)

The bank returned my mortgage payment when there was sufficient funds in the account. 
The fees for returned items ( two times this month ) leave the account without enough money to reprocess the payment, even though there was enough money in the account when the check was processed. 

See XX/XX/17 - XX/XX/17 {$11.00} balance -- - no account minimum.
Consumer complaint received 2017-10-24
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: Diversified Consultants, Inc. (NC)

In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hello, The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (VA)

I have been getting calls and mails from debt collector about a debt that i did not make in the first place. Then it was resolved by the company a long time ago. But i am still getting calls from the debt collectors and it is in my credit report also. They have charged me for a returned device that I have returned it cause they couldn't give me the internet service in my address.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX/XXXX/XXXX three direct deposits were made to my checking account. Once made my available valance was shown as {$390.00}. 

At which time I withdrew {$200.00} from my account via the bank atm. 

After the withdraw my account balance showed XXXX XXXX.Which should have been accurate. However the next day I noticed a {$35.00} charge on my account for unavailable funds. 

The banking representative said while it may have shown I had the available balance, and by the way such deposits via direct deposit have always been available immediately in the past, I was told that the bank would not return the fee since while the account showed an available balance it was n't really available and was being processed on XXXX/XXXX/XXXX.
Consumer complaint received 2020-02-28
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. (CA)

This 1099 shows XXXX XXXX XXXX cancelled the remaining debt of {$6200.00}, yet XXXX XXXX  XXXX is still reporting on my credit that I owe {$6200.00}. The account needs to be updated with a {$0.00} balance because the debt has been cancelled and written off, and can not be paid because they have already reported the amount to the IRS, so on my credit that show be reflected.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one bank is reporting late payments to all three credit bureaus XXXX, XXXX  and XXXX. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received letters, XXXX XXXX XXXX XXXX dated XXXX/XXXX/17 and XXXX XXXX dated XXXX/XXXX/17 ), from two furnishers on my consumer report stating they did not service the accounts. XXXX and XXXX deleted both, however, Equifax refuses to delete. I submitted the letters to Equifax and ask them to delete the accounts off of my consumer report and they are still refusing to do so even after I sent them copies of the letters from each furnisher. I called and spoke with an agent that stated they had completed the dispute and that they did not have anything from the two furnishers stating that they no longer had the accounts. The letters from both furnishers are attached.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX XXXX is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. XXXX XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with XXXX XXXX XXXX would be in order.
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (FL)

I have been utilizing square for my XXXX  XXXX  for customers to pay invoices for XXXX. Over the last couple days I noticed miscellaneous charges that were not explained upfront before utilizing the app. When looking at the app it shows that specific transfers cost a certain percentage fee to transfer money from Square to my bank account. But, the option that I use which is 1 to 2 business days does not state that there is a fee to utilize this transfer process. When I contacted Square customer service today to ask about the miscellaneous fees that Ive been charged over the month and a half they could not give me a response on why I was being charged these fees nor did they disclose these fees to begin with. When transfers are completed same day to your bank account there it states on the app there is a 1.5 % transfer fee. So why am I being charged a fee when I elect to do the 1 to 2 business days transfer? And the fee is more than the same-day transfer. According to the app when looking at it there is no fee for 1 to 2 business day transfers yet Square has been charging me for each transaction 2.9 %. Square has also blocked me from being able to contact their customer service for up to a week because they said that I was disgruntle. How can you fault a customer for questioning their money?