davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I went back over my statements for XXXX  and realized that I was being charged a late fee EVERY month. I WAS late a few months ( the first couple of months of the year were rough ) but since XXXX of XXXX, I've paid every month. The issue is, I was paying in the beginning of the month, since that is when I receive my SSI, and I just wanted to pay all my bills and forget about it. So I would pay on the XXXX or the XXXX of each month. My bill is due on the XXXX of the month. They were attributing the early payments to previous months. So therefore I was being charged a late fee EVERY month. This isn't right, especially because some months I paid twice ( XX/XX/2022 I paid {$100.00} on XX/XX/XXXX AND {$100.00} on XX/XX/XXXX. Because that was close to the date it was due, I did not receive a late fee that month. ) After XXXX, because there was no late fee that month, I should have been caught up, and any payment in the month of XXXX should count for XXXX, right? Well, apparently not. I paid {$100.00} on XX/XX/XXXX ( keep in mind, that amount is always over my minimum required payment ) and I received a late fee on XX/XX/XXXX. Paid {$100.00} XX/XX/XXXX, paid {$50.00} XX/XX/XXXX, received late fee on XX/XX/XXXX. Etc. I spoke with the company and they were only willing to refund ONE late fee, the one for the recent past month. I feel like I've been a good customer for a year now, no missed payments, in fact, many months I paid twice. But I've been getting charged {$40.00} nearly every month. For making EARLY PAYMENTS. That does not make any sense. I closed the account and I am perfectly ok with paying whatever balance I owe but I want them to refund the late fees in the months that I paid early. Thank you.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (IN)

BACKGROUND FACTS : Six months ago, [ XXXX XXXX  ] I responded to an AARP Barclays Bank MasterCard promotion. I applied and was granted the Barclays Mastercard credit card. 

Then, to my surprise, I learned that somehow Barclays Bank, went into my XXXX XXXX  XXXX account, and took out a {$200.00} transfer transaction, completely without my authorization. Barclays also charged the {$10.00} transfer fee. 

Note : I have a degree in Finance, with a year of XXXX XXXX, so with Barclays ' APR at 28 % there is no way XXXX XXXX XXXX XXXX I would proceed with a bank transfer at 28 %. 

Facts Continued : When I discovered this theft & fraud, I immediately closed the account, and called the Barclay 's Fraud department. At first, I talked to a very rude agent named XXXX who refused to help, giving excuse, after excuse and then refusing to transfer me to the fraud department, I eventually XXXX the information. 

Now, as of today, the {$210.00} has increased to {$400.00}, reported to the payments, while Barclays say they investigated and they saw nothing wrong. And I have no due process appeal rights. 

I will not be making any payments to the closed account. And I am filling a formal complaint with the Delaware AG 's office. 

VERY unhappy past Barclays customer. 

XXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TX)

The debt that is being reported by Trident Asset Management XXXX XXXX XXXX XXXX is not a valid debt. 

A woman was going door to door selling electrical service for XXXX XXXX. The woman quoted me a rate that was substantially lower than my current electricity provider, so I agreed to switch providers. I received the contract from XXXX XXXX and it was substantially higher than I was quoted. I immediately called XXXX XXXX and cancelled the new contract and rescinded my authorization to switch providers because the rates I was quoted were not honored. My electric service was never switched. 

I then received a bill from XXXX XXXX for {$79.00}. I called XXXX XXXX and explained that I would not pay this bill, I was given false information in an effort to get me to transfer my service, and I immediately cancelled before any changes were made. 

I was then notified by Trident Asset Management that a collection account in the amount of {$270.00} was opened with their office XX/XX/2022 for XXXX XXXX. I explained to Trident Asset Management what happened and informed them that this was not a valid debt. Trident Asset Management reported this collection account to the credit bureaus which has caused me substantial harm. I have called XXXX XXXX, Trident Asset Management, and have filed multiple disputes with the credit bureaus, but the debt is simply reported as meeting FCRA requirements. 

XXXX XXXX representative made false claims to convince me to switch my electric service. As soon as I discovered this misrepresentation I acted. No service was ever changed, this is not a valid debt.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I wanted to use my cell damage protection thing that was included if I paid my phone bill with this credit card. And they couldnt help me and only redirected me to the website claims website. And then their website declined/discriminated me.WHICH. IS. ILLEGAL!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau
Consumer complaint received 2023-04-23
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. (IL)

XXXX XXXX XXXX  : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NV)

I am submitting this CFPB Complaint to file a complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. The following items should have been removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (MO)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/2023, I spoke to Capital One representative about my credit card account. 

I explain to Capital One representative, that due to financial hardship I need help reducing interest added to my Capital one account. 

Capital One representative offered me a program for three months that will be interest free as long as I pay the minimum balance of {$52.00} on or before due date. 

My XXXX statement show Capital One added interest ( {$37.00} ) to my credit card balance, despite forbearance program I accepted in XX/XX/2023. 

I shouldn't have received interest added to my credit card balance due to forbearance program I accepted, when talking to Capital One representative on XX/XX/2023. 

If Capital One claim all calls are monitored, it shouldn't be a problem finding the conversation I had with their representative in XX/XX/2023. 

I have pay on time and have giving more than the minimum balance of {$52.00}. 

In addition. Capital One has not been good giving actual report of my credit card balance to The Three Credit Bureaus. It's Unfair. Not right.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was a victim of the security data breach for XXXX and XXXX and I checked my credit report and saw credit card accounts and loans in my name starting in XXXX of XXXX that have become delinquent but I never opened these accounts on my own which let me know that Ive become a victim of identity theft.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The following closed accounts have been reporting false & inaccurate information on my report for months this is a violation of my rights & has been affecting my credit worthiness. 

Accounts : XXXX XXXX
Consumer complaint received 2023-03-14
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 AXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

I always pay my balance in full. I had scheduled a payment for XX/XX/year> in the same way that I always do on my Wells Fargo XXXX. I had more than enough money to pay my bill in full in my checking account. On XX/XX/XXXX, Wells Fargo contacted me saying that my payment failed. I called immediately and re-initiated the payment in full, which had gone through the second time. However, between XXXX and XXXX, my account accumulated {$260.00} in interest. Wells Fargo could not explain why my payment did not go through, nor were they willing to waive the interest ( they offered a max reduction of {$50.00} ).
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX