davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

In XXXX, I signed into XXXX and submitted my payment for {$200.00}. It said the payment was being processed and I entered my email to get a receipt for the payment. I never got this email. 
On XX/XX/XXXX, I noticed that the payment never went through and called customer service to handle the issue. After doing research into Comenity, I saw many others were having issues with this company, so I wanted to close my card.

At this point, a late fee had been charged since my payment " didn't go through '' and I spoke with customer service to remove this late fee. She did, and she helped me make my final payment and close my account. I made a payment of {$200.00} on XX/XX/XXXX and closed my account. Still never received an email for the payment made, or papers in the mail for my account being closed. 
On XX/XX/XXXX, I received a bill in the mail saying I still owed {$8.00}. I called Comenity customer service, and they said that this is because of the residual interest on my account, ie. interest accrued in between the day of my statement on XX/XX/XXXX and XX/XX/XXXX that does not show up on the account balance. They charged me {$2.00} in interest on XX/XX/XXXX, added another {$3.00} interest and {$2.00} late fee on the statement on XX/XX/XXXX, for a total of {$8.00}. I called Comenity to clear this up again on XX/XX/XXXX and they refused to remove the late fees, or acknowledge their error by misleading me to believe I had paid off my account and closed the account in full on XX/XX/XXXX. They said in order to pay off my account in full, I would need to pay {$10.00} including the residual interest that had accrued since my statement billing, as well as {$9.00} fee for paying through customer service. If I pay online, I can not pay more than {$8.00} since the statement balance does not update until the next billing cycle. Out of frustration, I hung up because these fees are just ridiculous in the first place. 
I called back on XX/XX/XXXX, and was informed that now, since I am 2 days past my due date, I will be charged {$8.00} late fee and whatever additional interest accrues on my account. 
This company is a scam. I am paying these fees because I want the issue to be done with and never hear from Comenity again. Additionally, this company has caused my credit score to take a hit from these " late payments '', which is beyond frustrating.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

To Whom It May Concern, I am currently dealing with a dispute situation with a company regarding some charges that have been questioned. These charges are very similar to ones that were proven to be fraudulent by another financial institution, and I have already provided the necessary documentation to support my case. My phone was stolen during an XXXX ride, and as a result, someone gained access to all my banking information and made unauthorized transactions totaling thousands of dollars. 
I am reaching out to request your assistance in resolving this issue promptly, as it is a matter of great importance to me. I am facing the possibility of being evicted due to the substantial amount of money involved. 
Provisional credits have already been issued in one of the cases, but l urge you to consider extending these credits to cover all the disputed charges. My direct deposit is linked to this account, and significant sums of money are regularly deposited into it. I kindly ask for your urgent attention to this matter, as I was assured that provisional credits would be provided by the XXXX, only to be informed of a different decision on the XXXX. I am hesitant to make any further deposits into this account until this issue is resolved satisfactorily. 
Your prompt assistance in this matter would be greatly appreciated. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My account with CAPITAL ONE was never late! I have had exceptional payment history with CAPITAL ONE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CAPITAL ONE Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (NC)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-06-18
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: Nelnet, Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (MI)

My mortgage is serviced by Fay Servicing. I do not have an escrow account with them ( I pay property taxes and homeowners insurance on my own ). I discovered in XX/XX/year> in my online account with Fay that they were charging me for homeowners insurance. They added an " escrow advancement '' to my account. I called Fay Servicing to see what that was. They advised me that they were charging me for homeowners insurance, but said I could mail in proof of my insurance. I did what they said and mailed in my proof of insurance ( coverage is XXXX XXXX XXXX with XXXX XXXX ). On XX/XX/year> I received notification in my online Fay Servicing account that they received my proof of insurance, canceled their " escrow advancement '' and issued a full refund of the same. I was able to make my XXXX mortgage payment as usual, with no additional charges. Fast forward to XXXX, I call in to make my mortgage payment and they are telling me that I owe {$200.00} more than my normal mortgage payment. They explained that it is for the homeowners insurance through Fay Servicing. Fay Servicing will not let me make my normal mortgage payment. They want me to pay the extra money, which I believe is illegal. The customer service representatives have said that Fay Servicing is completing an escrow analysis- they have been telling me that for a week. I asked to speak to a manager or supervisor and the Fay Servicing CSR told me no one is available, and that I just have to make my payment with the illegal overcharge.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this alleged debt. Furthermore, I have serious doubts about the accuracy and validity of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Thus, I kindly request that you provide me with the required validation information and take appropriate actions to address this issue properly.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

CFSI damaged my credit by reporting a debt that should be/was taken care of by my employer insurance ... I have been with my company since XX/XX/2012currently and still working there..even if my employer changed insurance I still would be covered as we don't " lapse '' our insurance ... the bill I received from XXXX XXXX XXXX   XXXX clearly shows I owe {$0.00} ... this seems like unlawful practice on Commonwealth financial systems behalf and they should be ashamed of themselves
Consumer complaint received 2024-04-29
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. (NC)

On XX/XX/XXXX I reviewed a copy of my credit report and there are some accounts listed that are the results of fraudulent activity. XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never entered into a consumer credit transaction with any of these companies. I requested an investigation with these companies and I did not receive any evidence of any of these alleged debts. I was also told by one of the companies that they do not have a record of any accounts in my name. So I want these items removed immediately. I have included a copy of my identity theft report as well for further evidence of this fraudulent activity a long with my identification.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-18
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: AMERICAN EXPRESS COMPANY (TN)

Subject : Dispute of Unauthorized Credit Inquiry To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report from your company. The inquiry in question is as follows : Date of XXXX : XX/XX/year> I did not authorize this inquiry and believe it to be an error. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer or those permissible under federal law may be included in a credit report. As I have no record of authorizing this inquiry, I request that you provide me with documentation to verify that this inquiry was, in fact, authorized by me. 
Please provide the following information : A copy of the authorization that was given to initiate this inquiry. 
The name and contact information of the person or entity that requested the inquiry. 
The purpose of the inquiry. 
If you can not provide this documentation, I request that you promptly remove this unauthorized inquiry from my credit report. 
Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) XXXX, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Unauthorized inquiries, being non-transactional, should not appear on my credit report. 
Additionally, under the XXXX XXXX ( 15 U.S. Code 6802 ( XXXX ) ( b ) ), financial institutions must respect the privacy of consumers ' nonpublic personal information, which includes their credit report details. The inclusion of this unauthorized inquiry is a violation of my privacy rights. 
Request for Action Given the unauthorized nature of this inquiry and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Remove the unauthorized inquiry from my credit report. 
Provide written confirmation that this inquiry has been removed. 
Ensure that no unauthorized inquiries from your company appear on my credit report in the future. 
I have enclosed a copy of my credit report highlighting the unauthorized inquiry for your reference. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (MO)

On XX/XX/year>, I initiated an international money transfer to XXXX through sendwave. I had sent {$1600.00} to a XXXX XXXXXXXX XXXX  account number. The recipient was supposed to receive XXXX XXXX. My transaction was supposed to be delivered in minutes but originally said " delayed '' of which I called Sendwave to cancel the transaction since they couldn't deliver. The next day, XX/XX/year>, the status of the transaction was changed to " delivered '' but my recipient did not receive any money in XXXX  I contacted sendwave immediately and I was told a reversal has been initiated. It's been over XXXX weeks now, sendwave has not credited my recipient nor refunded my dollar amount. They're now saying that " reversing the transaction is not guaranteed ''. So, basically they're trying to SCAM me of {$1600.00}. They will not deliver XXXX  and won't refund my dollars. I also provided the recipient 's statement of account showing no money was received, which Sendwave acknowledged but will still not refund my dollars. They keep saying they're waiting to hear from their partners.
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have asked if they have recieved my XXXX XXXX XXXX XXXX XXXX ( XXXX  ) form, keeps saying they never recieved it. I have requested forms and I have given my observing physican authority to fax forms signed and dated at requested by Nelnet or XXXX-Federal student provider. I have sent my forms 3 separte occasions and they keep stating the same reason : ( I do NOT know if to either to reject my application or delay my application on purpose to state form was not dated accordingly ) that my forms were never delivered. What I have done now just to be assured and confirmed that customer loan department recieved my filled out and dated forms. Is to certify my ( XXXX  ) packet using the United States Postal Service, just to be assured that someone signs and accepts my packet. I have recipets and pictures to show I have done everything they request of me. Secondly, when I recieved my correspondence when I sent out my packet ( 2 occurence-sent out ). I recieved an orginal letter from the department that handles XXXX  discharge program for me and my observing physican to refill ( for the 3rd time ). We the form it included a statement stating that my Federal student loans were going to be suspended for 120-days. That I am not required to make payments on my loan ( s ), but I am still receiving student loan charges. I am so confused and I do not want to be placed on a delinquent status with the credit bureaus.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.