davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

On XXXX XXXX I paid my full balance off on my AAA Comenity Bank XXXX XXXX $ XXXXmy next statement showed an interest charge of XXXX .I called Comenity and they advised that the interest was charged on XXXX have the name and time and date they told me this.I told them my statement shows full payment received by them on XXXX asked them to investigate and adjust the interest to XXXX XXXXThey advised if I did not pay the interest I would be charged a late fee for each month that passed while they were investigating .I also contacted AAA since I have been a 50 year member and the agreed to contact Comenity on my behalf.As of today XXXX they are also being put off by Comenity saying they are investigating.The payment due date for the interest in question is XXXX after which Comenity advises i will be charged late fees
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (VA)

An unauthorized vehicle loan that has been taken out in my name. I have recently discovered that a used vehicle loan was obtained without my knowledge or consent. This appears on my credit report as WESTLAKE FINANCIAL SVCS. This was opened XX/XX/year> for {$19000.00}. The balance is now {$17000.00}. I have no knowledge of this account.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC (NJ)

FIT Mastercard has yet to update my account details & balance reflecting my minimum monthly payment due of {$55.00} and XXXX XXXX interest rate. I've contacted FIT Mastercard customer service department numerous times and have spoken with multiple representatives about this matter since XX/XX/2024. 
Every month when I go to make my monthly payment, my account balance as well as the minimum payment due amount is incorrect. As of today, XX/XX/2024 about XXXX, I spoke with a representative by the name of XXXX who stated that I am still being charged an interest rate of XXXX XXXX and late fees! 
XXXX stated that he does see I was enrolled and have been on a special payment program since XX/XX/2024. But he does not know why my minimum payment due & account balance has not been updated.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I had a dispute with a vendor on my Wells Fargo credit card. The item was in dispute and I informed Wells Fargo that I filed a court case against the vendor. Wells Fargo took the vendor side but I the judge told the vendor they needed to settle. Vendor credited the account in excess of outstanding balance. ( I won ). Wells Fargo sent me the overage and closed the account and then dinged my credit for late payments when the item was in dispute and the vendor had to credit the account. I should not have had late payments reported to the credit agencies by Wells Fargo for an item that was in dispute and that the vendor was forced to remove.
Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Duvera Billing Services, LLC (NJ)

To Whom It May Concern, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account XXXX Re : CFPB Complaint ID : XXXX On XX/XX/XXXX, I sent you a formal dispute letter regarding the reporting of the charge-off account associated with XXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account.

2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance.

I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of compliance constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15
U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) .

The electronic application bearing a computer generated signature does not suffice as adequate proof and legitimacy. It was also stated in the response letter from your company that this debt was SOLD to a collection agency, however you are continuing to report this account as still having a balance of {$1200.00} which is a clear violation of my consumer rights. The amount of careless negligence with handling this matter seems to be intentional at this point. 

Furthermore, in XXXXXX/XX/XXXXXXXX XXXX ( XXXX XXXX. XXXX ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 

In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law.

Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 

This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-10
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: Paypal Holdings, Inc (CA)

I purchased an XXXX  from XXXX on XX/XX/year>. I waited two weeks and haven't heard anything, then saw seller left a XXXX tracking number XXXX, that said it delivered on XX/XX/year>. That's clearly not my house. And when I called XXXX to correct the mistake, but there was no mistake, it was delivered to a XXXX XXXX., someone I don't know. And the house address wasn't mine either. 

I told the seller about this, they said they were going to send out another package, but never did. And they've been giving me the runaround. Then I see customer complaints about this same seller, that they've been sending out fake XXXX numbers to cheat the XXXX and Paypal systems. 

I've asked XXXX to step in, but they haven't stepped in. And when I asked Paypal, they've sided with the merchant, twice, because of the tracking number. Not once considering the photos showing that the tracking number picture and my house front porch don't match.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

I recently discovered that Chase Bank charged me over {$700.00} in interest on my unlimited credit card between XX/XX/XXXX and XX/XX/XXXX. I contacted Chase 's credit card customer service at XXXX XXXX  on XX/XX/XXXX to inquire about these charges. The representative informed me that the interest was accrued because I had only been making minimum autopayments, instead of full statement autopayments. They also mentioned that there were no interest fees in XXXX as part of a first-year promotion. However, I never received any notification or email from Chase informing me that I would be charged interest starting in XX/XX/XXXX. 

I noticed the interest charges in XX/XX/XXXX, each with different amounts, and I called customer service to ask for details about how the interest was calculated. I also inquired if they could waive part of the interest, considering this is my first Chase credit card, and I had not received any prior notification from them about these charges. Unfortunately, the customer service representative was dismissive, refused to explain how the interest was calculated, and rejected my request for more information on XX/XX/XXXX. 

I kindly request the CFPB to assist in this matter by contacting Chase Bank to discuss whether they can waive part of the interest.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Its in regard to my PayPal checking account. I deposited XXXX on XXXX XXXX. I reached out to customer service and partially got the worst customer service. Also, I reported unauthorized by one merchant their XXXX and PayPal showed me they didnt even bother to make a thorough investigation. I live in XXXX Tx I hired a private investigator I was giving an ip address thats located in XXXX, Tx and it states someone named XXXX. I cant believe they gave the favor to the company if I have concrete evidence this was unauthorized transaction.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (NJ)

I received a notification from my bank advising there was a debt collection due. I contacted XXXX XXXX as they were addressed on the notice. I spoke with XXXX XXXX XXXX from XXXX  True Accord who advised this was a collection from XXXX Texas and is indeed a case of identity theft as I have been residing in any other state during the time of this case XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

It shows there was an overdue charge from XXXX XXXXXXXX XXXX for an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx for the amount of {$490.00}. 

At this time I have filed a police report with my township and am pending a copy of the report. I am also in the process of contacting the 3 credit bureaus to file a freeze on my account.
Consumer complaint received 2023-03-26
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. (NY)

XXXX XXXX XXXX received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and XXXX XXXX XXXX, XXXX,, Pennsylvania, XXXX. I sent the same Billing Error Dispute notice to XXXX XXXX XXXX XXXX authorized signatory, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX XXXX. 

Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 

My recent Equifax, XXXX, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 

Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 

However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. Equifax, XXXX, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount may have change since the date of the dispute notice. Im disputing the most recent amounts reported and furnished.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NH)

On XX/XX/year> I checked my credit card statement to see when my next payment would be due. I noticed that my interest charge went up from last month even though I paid more than the minimum due and hadnt used the card in months. When I called the company why, if interest rates went down, was charged more. She had to ask her supervisor. When she got back on the phone she said the supervisor told her they randomly pick an amount on my account and charge me interest at a higher rate on that item.i proceeded to ask her how they could do that and she said they just do it. This is unacceptable! Maybe they think they are the government and can do whatever they want to people and they have to take it, well theyre not!
Consumer complaint received 2024-10-17
Product: Credit reporting 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 (FL)

XX/XX/year> I went to XXXX XXXX XXXX XXXX to purchase a vehicle and submitted an application for an auto loan with XXXX XXXX  XXXX. On XX/XX/XXXX I went back to XXXX XXXX XXXX XXXX and traded my vehicle and resubmitted a new application to XXXX XXXX  XXXX. On both days over 10 inquires reflect on my credit report which were not authorized by me. Only loan application I approved for submission was for XXXX XXXX  XXXX. 

Attached you will find contract off second purchase showing XXXX XXXX  XXXX was lender in 1st purchase and 2nd purchase
Consumer complaint received 2024-10-10
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: DISCOVER BANK (CA)

Discover Financial Services credit card used for hotel booking. Hotel didn't have hot water upon check-in, agreed to a 30 % discount in writing. Since hotel, XXXX XXXX in XXXX, XXXX  did not have staff able to refund directly to the Discover card, I initiated a dispute. Provided agreement from XXXX XXXX, in the form of an email, to Discover card. Discover did not resolve the dispute, responding with the vague wording of : " We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. ''
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

In XXXX, I mailed applications for consolidation of parent plus loans with XXXX different servicers to qualify for the double loop. I sent half of the loans to Nelnet and half to Great Lakes. I heard back from Nelnet via email that they consolidated the loans that I asked them to. I never heard back from Great Lakes. A month later I got a letter from Nelnet that they consolidated all the loans. I had no idea that they acquired Great Lakes. No where on the internet does it say that they acquired Great Lakes. I called Nelnet and asked them to unwind my consolidation loans because I want to pay some of them off, and then consolidate with XXXX different loan servicers. They told me that I waited too long and they denied my request to unconsolidate. I explained that in the beginning of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was unable to do much of anything. By the time I re-looked back into the loan process it was a few days into XXXX. Is there anything you can do for me? I've worked in public service for XXXX  years. My hope is that they will accept XXXX of public service so far dating back to Covid, and i can then work another XXXX  years before retirement. I'm XXXX XXXX XXXX.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, XX/XX/XXXX, I tried to login to my Trans Union credit account, only to find that I was locked out. A customer service phone number was provided and I called and spoke with a representative who reset my password. Upon trying to login again, with the temporary password that was sent, I got the same message telling me that my account was locked. I was then informed by the Trans Union customer service agent that I needed to be transferred to a support manager for further investigation. I was transferred over to XXXX ( Reference # XXXX ). XXXX informed me that my account was permanently locked due to suspicious activity with my account. XXXX informed me that I was only allowed access to my credit report by calling in and requesting it. I asked XXXX about what steps I needed to do, to regain access and XXXX told me that my account is locked for life. 

So, my understanding from Trans Union customer support agent is that because someone hacked, violated, trespass, manipulated my account, I am no longer able to have access to my Trans Union account. That doesn't seem fair, honest, or even legal. And how do I know the validity of my account being fraudulently hacked/accessed? What substantiates that claim!? And why was I not made aware of " suspicious activity '' on my account? 

Under SB-1121 of the California Consumer Privacy Act of 2018, I am allowed access to my credit report ; however, Trans Union is denying me access to that via the web site ; like 99.9 % of all US consumers XXXX
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NJ)

I applied for an apartment back on XX/XX/year> the company is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Paid {$100.00} ( credit card ) There was an offer that the application fee of {$100.00} was refundable, I applied they disqualified me because I didnt meet the income guidelines. 

I requested the {$100.00} refundable application fee. I was given a run around, since I was uncomfortable with their responses I called the credit card company and explained these people weren't trustworthy that I couldnt get an straight answer so I disputed the charges, then credit card did a charge back. After I had taken this action I tried to call again. 

On XX/XX/XXXX the credit card did a reversal of {$100.00}, I call the company again but no response. 

I received a paper check via 1st class mail, then when it cleared I contacted my credit card and asked them to return the {$100.00} to XXXX XXXX XXXX XXXX On XX/XX/XXXX the XXXX XXXX Dispute charge for {$100.00} was reversed and sent back to them. 

On XX/XX/XXXX the XXXX XXXX XXXX XXXX hired a collection company National Credit Systems , in XXXX that entered a judgement to collect the {$100.00} ( the money refunded to me ) plus {$30.00} for the collection agency fee. A derogatory report to damage me for something I am not responsible! 

This is mail fraud companies can't enter judgement against someone that doesnt owe them anything, this hurt / damage my credit which of course this is " FRAUD UNETHICAL Practices, I want this remove and the have to clean PERMANENTLY remove " CLEAN '' this up it false charges ( judgement against me it constitutes " Mail Fraud '' I sent complaints to XXXX XXXXXXXX XXXX Florida XXXX Attorney General the FBI file a fraud victim report. 
Now Im considering filing a small claims for Damages!
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (GA)

I have opened an account with www.xe.com to transfer money from my checking account in USA to my savings account in XXXX. Both accounts are solely owned by me. They allowed to complete my 1st transfer, after that they have restricted my account. When I reached out to them, they closed my account without giving any reason. 

I feel very insulted on how they treated me. As a law abiding individual, I never violated anything. I feel very humiliated on how they treat me. Without asking for any verification, restricting or closing accounts is very unfair. 

I request them to accept their mistake and reinstate my account.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (GA)

This was not sent in error, not a material misrepresentation, and if you feel I obtained goods or services please have a senior executive from your company certify under penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required by the law in the FCRA.15 U.S CODE 1681c-2-. Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 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.