davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I paid my Comenity/Ann Taylor card in full by the due date of XX/XX/XXXX and asked them to close the account. I received a subsequent statement with a {$2.00} interest charge and asked them to credit the interest charge as a courtesy since i paid my balance in full and was no longer using the card. This request was made via email in their portal on XX/XX/XXXX. Since then, they have continued to charge me interest and late charges on the {$2.00} so that the balance now totals over {$48.00}. See the details below : XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$23.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$11.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$5.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE {$2.00} XX/XX/XXXX Interest Charge On Purchases {$2.00} XX/XX/XXXX PAYMENT - THANK YOU - {$100.00} I have asked them to credit the fees and I will pay the original interest charge but they continue to ignore me and call me XXXX  times a day to collect the balance. The fees they have charged me are excessive on a disputed {$2.00} balance
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (TN)

I was checking my credit report and noticed that the credit bureau was reporting my XXXX XXXX XXXX while I am still a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All while as I stated am still a XXXX XXXX XXXX XXXX XXXX XXXX not to mention my loans are deferred until XXXX Therefore, while interest may still be a factor by law these loans should not be on my report according to statue 15 USC Code 1681B permissible purpose of consumer report or, considered late by 15 USC code 1666B timing of payments. This has caused me a very high percentage rate on buying a vehicle just to commute to my job in the XXXX  field which is my career passion.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number :XX/XX/XXXX
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  XXXX XXXX  XXXX XXXX, XXXX CompanyXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

Citibank initiated a balance transfer and it was canceled due to Citibank having the incorrect po box . Citibank refuses to update or change the po box in the system and every representative has told me there is nothing that can be done.
Consumer complaint received 2024-04-10
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX Account number XXXX This account is not listed correctly. The account should have a XXXX balance. The account date is incorrect. The open date in XX/XX/XXXX to and close date is XX/XX/XXXX. The account is paid as agreed never late. PAANL open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
I sent to Experian on XX/XX/XXXX, asking them to reinvestigate this account I got the investigation back but noticed nothing was modified or updated. 
According to 15 USC 16811 ( 5 ) So I sent a letter on XXXX XXXX XXXX  requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ).

I did not receive description of the reinvestigation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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. XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (TX)

Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than 7 years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... 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. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-02-28
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. (WA)

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. 

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX  XXXX XXXX Equifax Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX 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 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SECURITY HOME MORTGAGE (UT)

I lost my job in XX/XX/XXXX and requested assistance from my mortgage company. They approved a forbearance for 6 months. Late in XXXX XXXX XXXX, I got a new job which pays XXXX per hour less than I had been making. I called mortgage company and let them know as soon as I had new employment but was not making as much as I had been. The person I spoke with said to just stay under the forbearance until it ends. I contacted the mortgage company several times during the forbearance period. When the forbearance period was coming to an end at the end of XX/XX/XXXX, I was advised that the missed payments could be added to my current mortgage but I needed to resume the same payment as we were making prior to forbearance. I advised that with my paycut we are no longer able to afford the current payment and requested to be reviewed for a loan modification. During this process I was continually told that I was protected from foreclosure and being reported as late to the credit bureaus. While mortgage company was evaluating us for a modification I XXXX how this would affect our credit and found that we may be reported as having settled our mortgage and be negatively affected with our credit. I then contacted the mortgage company and requested an extension on our forbearance so that I would possibly start getting bonuses at work soon and may be able to cover the original payment. The request was approved, but for the months of XXXX, XXXX and XXXX and they left out XXXX. I asked right away what about XXXX, we can not afford that full payment. They needed to reasearch and escalate to find out what to do, but in the meantime I was being evaluated for the modification. As soon as I was told that the forbearance was approved starting in XXXX, I started getting messages from my credit watching services that I had a serious report on my file that needed attention. I came to find that while I am in the midst of working on a loss mitigation plan, the mortgage company has reported our mortgage over 120 days delinquent! I called the mortgage company immediately and was told he would have to request that the file be reviewed to see if the negativity could be removed from our credit report. He told me that it would be 7-10 days before I would get an answer. In the meantime my credit score dived over XXXX XXXX  and now we have horrible credit which is not what I was led to believe would happen during loss mitigation procedures. I am requesting and immediate correction, please.. We have always had good credit, high dti, but good credit. This will affect us for the rest of our working years.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX This is was my last complaint ID Since Bank of America doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with Bank of America! 
In XXXX I opened credit card with Bank of America, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to XXXX with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with XXXX, I received a letter from XXXX that I won dispute, nothing changed on my score! 
How can I be responsible for the Bank of America unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to XXXX where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. 
Please take an action. Thank you
Consumer complaint received 2024-08-09
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. (DE)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I own a law firm in XXXX. My firm was victimized by a check fraud scheme. We notified our bank, Fifth Third, and yet the bank continued to cash clearly altered, fraudulent checks on our account. Fifth Third has refused full reimbursement. We have spent an inordinate amount of time over the past 8 months trying to resolve this problem with Fifth Third. Their bureaucracy is incredible. 

Fifth Third failed to protect and reimburse our business. Fifth Third does not have strong protections in place to prevent unauthorized account takeovers. It is my view that Fifth Third misleads and misinforms victims of fraud, and illegally denies reimbursements. 

While banks are supposed to be the safest place to keep money, Fifth Thirds negligence has allowed scammers to breach the vault. If a bank can not secure its customers accounts, it is failing in the most basic duty. 

Ohio Revised Code 1304.30 ( UCC-401 ) prohibits a bank from charging against the account of a customer an item that is not properly payable. Properly payable means that the charge was fully authorized by the person who wrote the check. Accordingly, when the bank pays on a charge against a customers account based on a fraudulently altered and/or forged check, the charge can not be properly payable. 

As stated above, the fraud was repeatedly reported to Fifth Third, and yet the bank continued to cash forged checks. As stated above, it was not difficult for Fifth Third to identify forged checks : the name of the payor was altered, and the signature was not even a close facsimile to the one on file. 

ORC 1304.30 and the UCC places a duty on the bank of the payor account to make its account holder whole in the event it pays on a charge made through a fraudulent check. The policy rationale behind placing the initial liability on the drawee bank rests on the belief that the relationship between the bank and the account holder is contractual in nature, and the banks paying a charge based on a fraudulent check violates its agreement with the account holder only to pay those properly payable charges. 
In the instant case, and pursuant to UCC Section 3-406, XXXX XXXX XXXX XXXX XXXX exercised proper and ordinary care, promptly reported the multiple incidents of fraud, and in fact relied on the assurances by Fifth Third that the issue was being corrected and the account was secure. 

We now understand that bank account fraud is an epidemic problem in the financial system. However, this is even more reason for Fifth Third to employ strategies to better protect its customers assets. Yet despite this epidemic, it is clear that Fifth Thirds procedures did not effectively respond to notices of unauthorized payment orders or defeat ongoing fraudulent activity.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (NJ)

Lvnv funding llc. Contacted XXXX XXXX to collect a debt that is not under my name they being harassing me saying that the person is me. When they have another person with my similar name.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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.