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

We made a purchase at XXXX XXXX which actually consisted of two separate transactions on XX/XX/XXXX in the amounts of {$22000.00} and {$32000.00}. Both these transactions were 96 MONTHS WAIVED INTEREST EQUAL PAY under a promotional plan with XXXX XXXX. We have NEVER used the card for any other purchases!! 

We have made a payment of {$570.00} ( {$22000.00} + {$32000.00} = $ XXXX = {$570.00} ) each and every month without fail as it is an automatic payment set up with our bank XXXX  XXXX XXXX XXXX For nearly 4 1/2 years everything was fine. XXXX of XXXX something changed on Comenity Capital Banks end which has caused the minimum amount to change to {$570.00} without notice or explanation and various amounts after this point because they are charging us fees on top of the minimum amount due. We have never got a clear understanding as we have a 0 % or waived interest promotional plan. I think it has to do with the termination of the XXXX XXXX Credit Card program. See attached notice. This change was not to effect our original terms of purchase. 

We have continued making the {$570.00} payments and have made extra payments of {$170.00} and {$30.00} for a total of {$200.00}. We want this refunded or we will deduct this amount from our final payment ( Payment 96 ). Unfortunately we have exhausted all efforts on our end and they do not have competent workers in customer care to rectify the situation. Please also find Comenity Capital Banks final response to our concern. We have have additional correspondence if needed. They say the change is a result in a change of the APR. They also said they can not make changes to a closed account, but we have brought these errors up before they closed the account. The way I see it 0 % is 0 %. And an Equal payment plan doesn't change amounts every month. Why this would change after 4 1/2 years is beyond my comprehension. 

We will continue to make the {$570.00} payments and we need help in resolving the issue and we want to make sure that our credit history is not being effected from their incompetence. Fee free to give me a call at XXXX to discuss. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

CREDIT CARD COMPANY REFUSED TO WORK WITH ME TO COME UP WITH AFFORDABLE PLAN INSTEAD THEY HARRASSED ME ABOUT A PAYMENT PLAN AFTER THEY CLOSED MY ACCOUNT. I STILL HAD AVAILABLE CREDIT ON XXXX CARD
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I received my monthly statement and noticed interest fees when Ive made my payment in full. I called in and looked back at prior statement to see that Id also been charged interest on previous months I paid my balance in full. When I spoke to the representative about this, I was told that Capital One reserves the right to charge interest based off previous monthly balances regardless of the status of payment. This didnt make sense to me so I asked them to clarify as from my understanding, if payment is made for the full balance interest should not be charged. The representative reiterated that they base interest on the average balance of previous month statements. I asked if I paid my balance in full and made no charges, would I still be charged interest regardless of no purchases being made. I reiterated again that it does not make sense that Capital One has the ability to charge interest of charges already paid. The representative reiterated that the interest is not charged on the actual charges themselves but prior average statement balances regardless of the payments that are made. They implied that Capital Ones policy is to look back over a two month period and charge interest based on the average of those statement balances regardless of any prior payments that are made.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi mi name is XXXX XXXX I have a trouble with my credit score SSN at Risk Social Security Number ( SSN ) XXXX Location Where Unauthorized Access to Confidential Information Occurred XXXX Date Found on the Dark Web XX/XX/year> Additional information found with this unauthorized access to confidential information. 
Identity Information First Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-07-18
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: TrueAccord Corp. (GA)

This is an ongoing dispute with XXXX, True Accord, and XXXX XXXXXXXX XXXX account number XXXX. I've asked that this account be deleted from my XXXX, XXXX and XXXX reports because payments were made through True Accord This dispute is not about me owning any money, it's about me providing proof this account has been paid in full. XXXX is not the original creditor, so they are trying to collect money on a paid account, and an account that's too old to be collected on. I have the letter from True accord. my payment history, and the settlement offer from True accord made on XX/XX/XXXX. My first payment started on XX/XX/XXXX, and I also requested this information from XXXX XXXX XXXX, along with my payment history from True accord, but has yet to receive it, which is a violation of my rights as a consumer. I have a letter that I wrote XXXX on XX/XX/XXXX, XXXX stating that I had settled this account in full from a settlement offer with true accord and nothing was done. It's now XXXX, and still nothing done. Again, I requested this same information from XXXX since they acquired my account from true accord. Where is that information, which by law, is supposed to be given to consumers, when asked? I also have other documentation contacting XXXX about this same account on XX/XX/XXXX and nothing was done. This account was not opened on XX/XX/XXXX, which was the date XXXX acquired this account from true accord. Secondly, how was it opened XXXX on XX/XX/XXXX and the XXXX delinquency was XX/XX/XXXX? You sound ridiculous and it needs to be removed. I've received nothing from XXXX  validating this debt. XXXX, your collection practices are fraudulently and your corporate office will receive a copy of this letter, and the attorney General. 
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more than XXXX years old. Incorrect, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. I am requesting validation from XXXX XXXX bank, the date this account was opened initially, ,and not when it was sold.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Halsted Financial Services, LLC. (CA)

I recently started getting texts from text short code XXXX. The first text says its halsted financial, a debt collector regarding XXXX XXXX XXXX XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX ) account. It provides a link in the text that LOOKS like it goes to XXXX. a number prrovided is XXXX, and california license number is XXXX. 

First, I do not have, nor have I ever had a mastercard of any type. Second, the only credit cards I have had have been through XXXX. Third I keep my cards up to date. Fourth, I have never been contacted via mail or email. Fifth my credit report which I check monthly shows no late payments much less CC collections. Sixth I have never received a phone call from them.Seventh a fourth company XXXX XXXX XXXX XXXX XXXX is mentioned- and I have never heard of any of the four mentioned companies. 

This is clearly a fraudulent attempt to collect a debt that I do not have, and indeed does not exist. I have lived at my address for nearly 10 years, and the basic XXXX checks required to run a credit card business would have caught this. 

I believe they are violating the FDCPA implying they will sue me, and implying they can report it to credit reporting agencies if I do not cooperate. I would note the companies mentioned are not consistent across texts ( All four are not mentioned every single time, another huge red flag ).

I want to make a direct complaint against the mentioned California License Number mentioned XXXX. I consider the messages unfair, abusive, and overtly harassing, spam, false, fraudulent, and deceptive. I believe this indicates they are committing a crime knowingly in the hopes that I ( and I am sure many others ) will just pay something to get them to go away. 

There is no world where I will pay even a single XXXX of a debt that does not exist, has never existed, does not show, has never shown, especially to a group of companies that I have never heard of with legal action ( which if ignored can always lead to things like jail time ), my credit, and frankly my peace of mind at stake. 

I would like to move forward on this, and cooperate with the authorities to prove this is fraud, and have the people responsible held accountable, financially and legally. I am happy to come to a local office and contact them on a line recorded by CFPB/state attorney general/FTC. I would note this company by my research crosses state lines, so this may well have federal as well as state implications. I go to great lengths to keep myself in good standing and above reproach, and I refuse to be intimidated, especially illegally and fraudulently.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> my son and I called Transunion to attempt to place a fraud alert and credit freeze on my son 's credit file due to a recent security breach. Transunion online services would not permit my son to complete these requests due to his lack of credit history. Therefore, the website informed him to call in. We called XXXX and were connected to a Transunion representative named XXXX who insisted we email her his social security card and driver 's license insecurely. XXXX defended general email is a secure platform. I asked if we could send the information via XXXX certified, and asked for an address. XXXX did not provide one. I asked to speak to a supervisor regarding this phone call, and XXXX informed me to call customer service at XXXX. XXXX needs to find a new job making widgets, as she was impolite, unkind, unprofessional, and definitely not helpful. I will be calling Transunion customer service to express my disdain for XXXX and her poor attitude and lack of customer service.
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC (VA)

I purchase a vehicle online from CARVANA on Sunday XXXX. They sucked the money out of my account today ( XXXX ). I was supposed to pick it up on the XXXX. I was going to upload insurance information but when I got on the app to upload insurance, any record of the sale is gone! The contract I signed, everything vanished including {$190.00} and {$41000.00} from my bank account. I texted with someone who said the sale was cancelled system error, sorry, he wrote he put in a refund request ticket for me. XXXX banking said the ACH is pending and can not be stopped. What kind of business practice is this? Who knows when or if Ill get the money back.
Consumer complaint received 2023-03-13
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. (MI)

I HAVE LETTERS FROM TRANSUNION ON XX/XX/23 AND XXXX XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( TRANSUNION & XXXX ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
XXXX : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO XXXX THAT THE INFORMATION IS ACCURATE. 
TRANSUNION : VERIFIED AS ACCURATE
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NC)

I arrived at the PNC XXXX XXXX at XXXX XXXX XXXX XXXX at about XXXX on XX/XX/XXXX to withdraw {$700.00} out of my checking account. The balance was just over {$910.00}. I was then told my the branch that this branch did not personally dispense cash, and that the only cash withdrawal possible was through the XXXX I then attempted to use the XXXX seeing as my XXXX limit was set at {$1000.00}. The transaction was processing, and as the machine made an odd noise, the money failed to dispense and said that the transaction was canceled. I checked my account to confirm that the transaction was cancelled and to my surprise, the transaction had posted leaving me with just over {$210.00}. I then approached another bank employee and asked to speak with the branch XXXX. The branch XXXX, XXXX, spoke to the employee and said to process a dispute. The employee, XXXX XXXX, tried processing the dispute which didnt go through. At this point it is XXXX and nearing this branchs closing hours and my money has still not been made available to me. I am obviously frustrated at the fact that I trust this institution with my money but they can not provide me with money out of my account because of a hardware issue and on top of that, wasted nearly an hour and a half of my time visibly stalling and claiming they can not print out the transaction details. Towards the end of the day, XXXX, when I asked what was being done to fix this issue and express my concern with the situation, XXXX XXXX XXXX to raise his voice with me and then stomped out of his office. The branch XXXX then brought me in her office and did everything she could do to help. Unfortunately, they had to overdraft my account for another {$700.00} and give me a cashiers check for the amount that I was attempting to get in cash in the first place. My only concern with the situation as I left was the fact that my money has still not been posted and that my account is now overdrawn, even though I now only have a cashiers check for the amount instead of cash, which if I had gotten cash in the first place I wouldnt have been overdrawn.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Two of my Huntington checking accounts were used in XXXX Ohio for transactions I did not approve on XX/XX/XXXX. I went through procedure with phone representatives and were told Id receive a provisional credit within one day for the totaling amount. I even added a police report number and the information for the department I filed it with and I havent received anything as far as provisional credit though I explained time after time on the phone to representatives my rent was due on the XXXX of this month
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX, XXXX ACCT # XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX of this year, I filed a complaint against you regarding the LVNV account ( XXXX ), which is a supposed collection account. I have requested validation on several occasions ; however, I did not receive satisfactory responses that would demonstrate I am the legitimate owner of this debt. According to my credit report, this account is only reported by XXXX and XXXX, while XXXX does not recognize the account. The other two bureaus vary their reports, presenting it with name variations, which is a violation. According to my research, the FTC states that credit reports between the bureaus must match completely and not partially. This situation leads me to believe that the account does not contain accurate information. Therefore, I requested its removal from both the bureaus reporting it and the collection agency registered in my report. During my previous complaint, the company responded with a compilation of information that supposedly validates the account ; however, they can not legitimately prove with certifications that such notices were delivered to menotifications I did not receive. In any case, the mere fact that the information in the credit bureaus ' reports is inconsistent is more than enough reason to remove this supposed collection.