davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MN)

Prior to filing bankruptcy, I closed by XXXX account and paid off the balance. However, Comenity Bank has reported to the credit bureaus that the account was part of the bankruptcy. It was not.
Consumer complaint received 2019-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.
Consumer complaint received 2019-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I am concerned that I have XXXX-XXXX debt on my credit which is really hurting my score significantly. I once had a contract back in XXXX. I lived in XXXX Michigan in a group home called XXXX XXXX. I was sent to a new placement and lost phone privileges and that cause me to break my contract with XXXX-XXXX. It has been 12 years now since then and the dept keeps getting added to my credit as if it happened XXXX of XXXX. I was a young adolescent at the time and now i am almost XXXX and its still hurting my credit. I was informed that this dept will be off my credit after 7 years. And here i am today having a reaccuring negative remark on my credit as many dept collection agencies keep buying out my dept and refreshing when the dept was sent to collections. I would like to do anything in my control to dispute this dept as i am disagreeing with the date and amount the dept collection agency is stating it accured.
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (NC)

Complaint to : Citi Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/year> I sent in an online payment of {$1500.00} to a old credit card account number ( Same bank/credit card ) The payment was drafted out of my account. but was never applied to the new account number. Consequently the new account was still showing as unpaid. 

I put in a dispute request with the bank and they credited back the funds and opened a dispute case. ( Case number : XXXX ) The bank sent me a letter asking for proof that the payment was taken from my account, I was to send in this proof by XX/XX/year>, I did send in the proof on XX/XX/year> I then get a letter from the bank stating that they have closed the case and reversed the charge back to me on the basis that did not provide the statement. I have called teh back again to try and get this corrected but they say they're looking into it but will have to charge the funds back to while investigating.
Consumer complaint received 2021-01-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion will not allow me to dispute a collection account that isn't mine, and for which the " aging date '' has changed multiple times ( in approximately 4+ years ). 

My credit score has been incorrectly, negatively, impacted.
Consumer complaint received 2019-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a complaint against my credit card issuing bank, Bank Of America, for their failure of providing fair and due diligence in investigation of a fraudulent credit card charge, for which I had opened a dispute with the bank. 
I was inI XXXX XXXXrestaurant for lunch on XX/XX/XXXX after paying for the meal with my Bank Of America Visa Card I left the restaurant without noticing I did not get the card back. Later at evening, my wife noticed a couple of suspicious charges on the account, as she raised question about why I went to eat at the XXXX right after lunch at I XXXX XXXX, I became aware that I did not have my card with me. 
We immediately reported this incident ant the fraudulent charges to BOA credit card department and open a case of dispute with the bank. 
Response came a few days later from BOA by mail, telling us that we would be responsible for the charge because their system showed the card was presented at time of charge, which in their mind would constitute an authorized charge. 
The letter, however, made claims that directly negated my phone testimonial when I opened the dispute, but without mentioning what was found and how it was found, or any circumstantial discoveries that could support such claim. Questions remained unanswered which should not have been, in option, if a serious investigation had been genuinely carried out. 
These questions should include but not limited to whose signature were left on the charge receipt, if there were any camera images that shows the person who was rendering the charge. If someone had my authorization to use the lost/stolen card, who was that person and what was the testimonial. 
BOA also stated a PIN was entered at time of charge, but I never had a PIN for this card, nor do I believe a PIN is ever required to use a credit card, provided the said card does not bear debit card feature, at least to the knowledge that was afforded to me. 
All indication implied, at least in this case, that BOA had lacked good faith in promoting and maintaining fair credit practice, which is mandated by federal regulations. I call upon our regulators to step in to correct such irresponsible, possibly illegal behaviors that are undermining the consumer rights and potentially other applicable laws and regulations.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

In XX/XX/2019 I began receiving calls from Midland on Sundays after hours regarding a debt. I asked them to only contact me via mail. In XX/XX/2019, I received a bill from them offering a settlement for a debt to which I followed up with a dispute and validation request only to then receive a new bill with Midland acting " confused '' as if they were unaware of what I am disputing and also refusing to investigate until I provide documentation demonstrating errors. While speaking to a representative over them phone about information on their website, the representative became aggressive and demanding that I make a payment before hanging up. The representative informed me that if I did not make a payment with him, he would not be able to help me and that I could not call back in and get a new deal because he would not be there. I informed him that I would not make a payment until I received proper validation that this was in fact my account. In XX/XX/2019, I received another bill with false statements alleging that I agreed to a payment agreement. I followed up with a letter to the company stating that I in fact did not make any agreement with them neither did I make any claims to the account and requested to have this allegation removed and once again requested proper validation of the account and not another bill printout as the FTC states that itemized bills are not a valid form of validation. 

After several request for validation and investigation methods to both the credit bureaus and Midland, I have yet to receive proper validation. Instead I continue to receive bills and aggressive sales representatives pressuring me to pay a debt that they refuse to properly validate. I have disputed the accuracy and validity of this debt. Section 623 ( b ) ( 1 ) ( A ) of the FCRA makes it unlawful for creditors not to conduct a reasonable investigation of disputed information upon receiving notice of my dispute.
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (HI)

Sending message to Chase Bank through this. 

This is a complaint against Chase Bank. I had the Chase Sapphire Preferred Credit Card and used it as my primary credit card. I was planning to use it as my primary credit card for the next 30+ years. One day, I had to do a charge back for {$170.00} against a terrible company called XXXX XXXX ( XXXX ) ( XXXX ). They never gave me the course report that I paid for. Chase repeatedly denied my claim and never sided with me. I am correct because I never received the course report. Chase 's customer service was very poor. Most didn't talk professionally to me or provided no information to me. When my annual fee came, I decided to cancel the credit card and end my relationship with them because they wouldn't side with me on my first charge back, poor customer service, and wouldn't give me a credit for the {$95.00} annual fee. Congratulations Chase for losing a valuable customer. I was going to upgrade my Chase credit card, get another Chase credit card, and refer you to two other people. In your mind, {$170.00} was greater value than keep me with these benefits. You lost Chase and I will support your competitor now.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OR)

I called on the XXXX of XXXX to report my card missing. I paid for the 2 day shipping and didn't get the card until the XXXX. I was charged {$13.00}. I requested a refund as the card took as long as it would have taken to mail it. I have called 3 times with no resolution, in fact the last rep, I dealt with told me I needed to call fed ex, ( It was sent XXXX ), to see what happened. I explained that I was not the customer, having no input as to what company they used to send the card, and that although I was a Direct Express customer, Direct Express was the customer of XXXX, making that Direct Expresses responsibility. Since my two day service took 5 days I feel that they need to refund my {$13.00}.
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

Hi my name is XXXX XXXX with phone number XXXX XXXX XXXX..i was custumer of tcf bank illinois i wasn't happy about their services and illegal fees..so i decided to close my account but they charged me amount of aver 200 $ just illegal over draft fees..i refused to pay it..but they reported me and put me in checklist so i can't open checking account with any bank..it 's has been around 4 years ago ... i try to solve problem but with no results..few months ago i received check of refund from federal trade commission because they catch my tcf bank charging me illegal fees.from my checking account so federal found me paying other illegal fees between XX/XX/XXXX and XX/XX/XXXX..shame on them..now i need my right to let tcf bank to remove. Me from checklists so i can be free to open checking account with another banks ..also i need to be reimbursed me XXXX $ for this problem and the big issues they make it for me for years so i still as American citizen can open any bank account because of illegal overdraft fees i have been charged ..i need your and i believe in American justice i believe in your guts i believe on land of uncle sam thanks
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

would have been a first time home buyer this year, I was advised by the title company which whom I met with that I was pre-qualified for up to {$450000.00} to buy a home. This broker who had provided me with a pre-qualification letter advised me that he had forwarded my information to someone else who would be working on my paperwork. I have never done any of this and though ok well he is sending me with his partner. After we began looking for a home and found the one we though that we would want for our family the initial broker we met with advised us that he forwarded my contact info to a partner of his who would be working with us, whom was the best in his field. 
Again I have never done any of this so I went ahead and spoke to this man. Every time I spoke to this man, he advised that I was only a few more points away from obtaining my future home, that I just needed to send him money via XXXX to him and he would make things happen. I paid him via XXXX approximately {$1700.00} in approximately 45 days and ended up losing the home that we were told would be ours and that we were pre-approved for. On day 45 from the date we signed the contract we were told that there was never an application actually done with the mortgage company, everything was a scam. When I advised about reporting this company and what they had done they advised that I was never a client and that he was just a friend helping a friend. Because to add insult to injury my credit has been negatively affected by all the inquiries that he made and I even had one of my credit cards closed due to this. When I told him about this his response was " who cares about a XXXX credit card ''.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (IL)

I had a credit card with XXXX and they never sent me a card, I received a statement in the mail yesterday and somebody had used the card fruadulently at a store in indiana and they made fraudulent transactions, my security was compromised and the card was mxed out in one day on XX/XX/2019. I had never received the card in my lifetime and somebosdy used it in another state. I called the company yesterdaty adn they were goign to file a report. today XX/XX/2019 i found that it was showing on my credit report negatively. I would like a fraud investigation completed
Consumer complaint received 2019-09-01
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: SYNCHRONY FINANCIAL (TX)

There is a hard inquiry on my XXXX report from Syncb, says its for a national credit card/Airline. I do not recognize this inquiry, and XXXX XXXX doesnt have a dispute option to remove it.
Consumer complaint received 2019-09-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX  and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX   and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly. 

Accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-21
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: Sequium Asset Solutions, LLC (GA)

An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of 2019. I would not need to get cable plus I live at XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, sequium assesses solutions and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Letter sent to Bank of America, credit card company who chose to " ignore '' my desire to dispute the double charge from XXXX - without my consent Regarding case numbers : XXXX XXXX XXXX XXXX Dear Bank of America, Please see attached the documentation of the double charge on my credit card from XXXX regarding my ticket, my mothers and my sisters to XX/XX/XXXX at the end of the year 2019. 

You will notice that XXXX provided me with a letter of credit, acknowledging their systemic defect in charging me twice. When I booked the first ticket their site was hanging ( not responsive ) and I never received confirmation of the booking. I went on to make an additional booking, which I got confirmation for 20 minutes later - the disputed charges are 20 mins in difference. 

Days later I realized I had been double charged for tickets back and forth from XX/XX/XXXX to XX/XX/XXXX for 3 persons making it a total of 6 flights extra on my credit card for a total of ~ {$2000.00}. 

I contacted XXXX immediately then and they informed me that because the airlines were different in the 2 different purchases ( 6 tickets each ) they could not void the additional ticket since it was considered a different purchase - please note same people, same To and From, same day but slightly different times and airlines, as they were different connecting flights. 

There was plenty of time for them to void the flights back when I first complained and sell them to someone else since it was end of the year ( busy period for travel and flights were booked solid ) but instead they decided to make it difficult for me and now continue to avoid addressing their mistake. 

I insisted it was their fault over several long calls ( more than 20 hours were spent on this ) and they agreed to give me credit, minus {$200.00}, for the processing fee, which would amount to {$1800.00}. Since I did not want credit but my FULL refund I brought up the issue with you, my bank to dispute the transaction. To me this is a fraudulent charge that I did NOT authorize or got confirmation on. 

I was disappointed the way you handled this complaint. As a platinum member I wish to see more action and less words about how much you appreciate my business. I hope you do the right thing. Ive been with your bank for a long time but I will not let this one go it is {$20000.00} and it is also a matter of principle. 

We the people should have a voice and big companies can not get together to determine what is right and you only do what is right for you and not for the people. 

XXXX can not do whatever they want and the letter of credit they agreed to extend to me is proof of recognition of wrong doing. See all the documents attached ( 26 pages ) If you have any further questions, feel free to reach out to me. You should have all my information. Cell phone is faster. 

Thanks, XXXX XXXX
Consumer complaint received 2020-09-21
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. (MS)

ON XX/XX/2020, I SENT A LETTER TO XXXX AND TRANSUNION DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.