davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

Commenity Bank Zales Credit card .I had an 18 month promotional interest set to expire on XX/XX/XXXX. I started making payments to satisfy that promotion which I was told I had to call each month to allocate payments. since XX/XX/XXXX I began to make weekly payments and calling end of month to allocate them end of the month each time I called I was given a difference amount to pay. When I paid my final payment on XX/XX/XXXX I was there told the balance was different because they decided to allocate the payment to a 6 month promotion plan. I advised them I did not ask or authorize to allocate the payment to the 6 month promotion they have calls monthly where I am allocating the payments and I want it applied to the 18 months. They said to resolve this you owe an additional {$410.00} I asked it set to expire today and was told they give a 3 day grace period I had til XX/XX/XXXX to avoid the interest. On XX/XX/XXXX I make my payment and again allocate it to now be told the same there was payment for {$310.00} that was applied to another promotion for 6 months, I escalated to a supervisor XXXX ext XXXX who finally told me they were able to get everything straightened out and allocate all accordingly to my 18 months promotion. Today XX/XX/XXXX I look at my account balance to satisfy the balance within this month I come to see from {$570.00} went up to {$1900.00} I again called this bank to advise of again the error spoke with Supervisor XXXX who stated will pull call to get this resolved gave number XXXX ext XXXX to wait until Wednesday XX/XX/XXXX to get a follow up and resolve. Since this bank has had several discrepancies from amounts given differently to representatives not allocating properly to supervisor promising to resolve I am forced XXXX submit this formal complaint to have weight in them doing what is correct finally on my account
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (NJ)

I was charged interest on my credit card account when the account was entirely paid off. The account had a balance of {$440.00}. On XX/XX/24 I paid {$100.00}. On XX/XX/24 I paid XXXX. The entire remaining balance. XX/XX/24 is my payment due date. On XX/XX/24 I was charged {$7.00} in interest, yet there was no balance owed on the account. I contacted them and was ignored and told to pay the money. Then contacted again to get another agent and was told it was interest. When I explained you cant charge interest on {$0.00}, they told me I was charged interest on my balance. I asked for a supervisor and was denied. So I hung up and called again, again asking for a supervisor. After sitting on hold I was told someone would contact me in 24 hours or less. A week later I get an email from someone claiming to be a supervisor, they list the payments and amount owed and then tell me it was interest. They completely contradicted themselves by saying the dates that it was paid off. So there was no balance on the card to charge interest on. They told me this would be resolved right away yet now they reported late payment to my credit hurting my credit badly. I paid the interest ( which they now doubled with late fees! ) of {$16.00}. Which was fraudulently charged. I want my money back and this company should be fined for its illegal charging of clients.
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I am writing to file a complaint against XXXX XXXX XXXX XXXXXXXX credit card services. Last year, I applied for their credit card and subsequently made a purchase on XXXX XXXX XXXX XXXXs website totaling {$3000.00}. The promotional offer at the time promised 12 months of no interest. 

I set up automatic payments, assuming everything was in order. However, the company did not notify me about the high late fees that were being accrued. Furthermore, their website was frequently inaccessible, which hindered my ability to monitor my account. As a result, I did not regularly check my statements. 

Yesterday, believing that my balance was nearly paid off, I checked my statement and was shocked to discover a new balance of {$3000.00}. Upon contacting customer service, I was informed that they could not refund the interest charges. I have calculated that I now owe an additional {$1400.00} in interest. 

I feel this situation is highly unfair and misleading, given the initial promise of 12 months with no interest and the lack of proper communication from the company. I respectfully request that the credit card company refund the interest and late fees that have been charged to my account. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Collection Services, Inc. (OH)

Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

XXXX called from Wakefield & Associates and immediately 3rd party disclosed that it was regarding a debt without proper verification. I have not received any written notification to validate the debt, no chance to dispute. XXXX refused to identify with first and last name as required by FDCPA. This is not the first call I have received, I had received a previous call where an agent verbally abused me and hung up on me. I do not know what kind of debt this pertains to as I have not received any type of written debt validation Notice.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MI)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I cant do anything without calling a XXXX numbers to get an authorization code, which they wont give me. Its going on XXXX weeks now if this happening to me. I cant login to my mobile banking, cant use my debit card. Cant do anything without being forced to call and try to get an authorization code. Which the XXXX number refused to give me. I cant buy my medication, groceries or anything. Without going into a branch and pulling cash out using my drivers license.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (PA)

I reached out to Citi bank when the balance transfer of XXXX was to be processed on XXXX and it didnt take place. I also reached out to synchrony bank and both banks said itll take a week to process. In XXXX I filed a dispute because it still didnt process. Then in XXXX I had Citi bank send me proof of payment and I sent it to XXXX but it wasnt sufficient enough for them. So I did a XXXX way call with both banks on XX/XX/year> and the rep. from Citi bank told the rep. from XXXX without me listening, what exact account the balance transfer went into. It wasnt my account. The rep from XXXX XXXX XXXX, found where the money went to and said the customer was requesting a refund. She told the rep from Citi to send proof of payment. So we sent it again but it wasnt sufficient enough for XXXX XXXX So on XX/XX/XXXX, Citi bank sent proof of payment again to XXXX but theyre not accepting the proof again. XXXXXXXX XXXX  wants Citi bank to send them a complete bank statement of the copy of the processed check, front and back within 15 days of today.
Consumer complaint received 2024-07-25
Product: Credit 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: FinCo Services Inc DBA Current (OR)

So on XX/XX/year> my account was charged {$200.00} for a transaction that I had nothing to do with or purchase from it. It happened in the morning while I was sleeping and I was going to use my credit card to buy something, but when I open my bank app I was in overdraft and got charged {$200.00} for a purchase that I did not have anything to do with. I filed a dispute with them and they said that it was gon na take at least XXXX days for the merchant to respond back and I was mad about it because they charged my credit card and left my account in the negatives. Today I had an update about the dispute and I lost it.
Consumer complaint received 2024-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife and I were both scammed by this company by the name of XXXX XXXX XXXX ( XXXX XXXX XXXX ) where we were promised various accomplishments if we would join their team. After couple months in we noticed things weren't how they said they would go and so we reached out to their " customer service '' representative after explaining our concerns they ended up saying the services were rendered which they weren't. We started looking a bit further and reached out to other members that joined the same time we did, and they also started making complaints to the company. Months passed and the company came up on the news stating that they were making fraud by promising to their customers an easy way of making money by joining their team of investing in properties. They are currently being investigated and the FTC is also being involved in this case which the FTC advised the affected customers to reach out to the bank institution and try to get a refund of our money. We then reached out to my bank institution which is Bank of America we explained the whole situation and a claim was opened. We received feedback on the case and unfortunately, we were not lucky enough to get out money back one because of how long it took to open a claim, and second because there wasn't sufficient information to prove there was an error in the transaction. We called and explained FTC advised us to open a claim, but they still did not solve anything for us. A lot of members that joined the same time we did were lucky enough and got their money back unfortunately we haven't seen any update on our case. We have receipts of everything including email conversations, total amount that we need refund on, letter of case denied by our bank institution, Whatever proof we can provide for someone to help us on this please we beg for help since it is a lot of money we worked hard for and only wanted a better life for our kid.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (TX)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I have no binding agreement with your company. No consent is Identity theft. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the following accounts. Furthermore, you failed to validate this debt. The original creditor stated that they have no record of this information. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Enclosed with this complaint is the true bill documenting the violation of the following accounts. Remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : This is my second attempt which you have ignored my first request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
- **Account Name : [ CAPITAL ONE AUTO ] ** - **Account Number : [ XXXX ] ** The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : XXXX. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PR)

I purchased the XXXX XXXX XXXX  XXXX prior to XXXX of XXXX. In which I receive a statement after XX/XX/XXXX. Since then, I have not received any information whatsoever, nor can I access it on the oriental bank application or website. After finding this statement which I totally forgot about I attempted to access the information on the website to no avail. Additionally, I tried contacting the oriental bank customer service to get information on the account. After long waits, they were unable to find any information on the account and suggested I go to the local branch where I purchased the XXXX. On XX/XX/XXXX, after spending numerous hours waiting and being attended by XXXX of the specialists, please stand over XXXX XXXX hours trying to find information on the account in which they were literally unable to access. However, they contacted the financial service and was promised I was going to receive a letter requesting access to my account. This letter was supposedly going to arrive we've been a week, which I never received. A week and a half later I went to the bank to speak with the XXXX which no longer working that branch, and of which I can not get any further information. I again waited for long periods of time and the XXXX advised me they were going to contacting me the following day. And it's it seems familiar I'm still waiting for the call. I was finally able to contact a representative on XX/XX/XXXX, from the XXXX XXXX XXXX and talked with XXXX XXXX ( XXXX ) who send me a e-mail so I could sign and return it for access. I will receive an e-mail with the access information to my account. On XX/XX/XXXX up to now receiving any other contact I contacted the customer service number ( XXXX ) XXXX, to advise them that I have yet received any contact information to access my account. At which time I talked to XXXX XXXX and emphasize me that a representative from that division would contact me. I have yet been able to receive any more information since that period of time and I send the formal letter XXXX this XXXX advising them that if I do you know the business day, I do not receive any further information I will be submitting a claim to the XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (SC)

Relay bank has frozen my account after receiving wire transfers from a company I do business with, and is demanding copies of my contract with this business before they will release my funds. This is a massive overreach and outside of their scope. I provided other requested documentation, such as my identification and XXXX XXXX, as well as my most recent XXXX  payout statement, which was already pushing the line. They have been slow to respond and will not give me a timeline as to when I can access the funds in order to leave their bank for another.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WI)

I was in a forbearance from XX/XX/XXXX thru XX/XX/XXXX due to XXXX and a XXXX  XXXX I have which prevented me from working in my XXXX job. 

I filed a loss mitigation packet late XX/XX/XXXX and received a response dated XX/XX/XXXX that there were no options available for repayment of the past 12 months payments other than a deed in lieu of foreclosure. 

I refiled a loss mitigation packet on XX/XX/XXXX. Today, I received a certified mail " Demand Letter '' stating I could reinstate the loan with a FULL payment of {$13000.00} due by XX/XX/XXXX. No partial payments will be accepted so at this point I can't even make a XXXX or XXXX monthly payment! 

This Co is clearly " FORECLOSURE HAPPY '' and offers no options for repayment now that I am in the process of returning to my XXXX job after being away for a full year! 

Less than 2 months out of forbearance, no options available and we're potentially already heading to a possible foreclosure???? 

SHAME ON THIS CO!