davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase of {$88.00} on XX/XX/XXXX. Typically autopay is enabled, but this did not go through. I did not receive email or mail notices that there was a delinquent payment for the next 2 months. I was then charged the following without notice : XX/XX/XXXX - {$30.00} late fee XX/XX/XXXX - {$2.00} interest XX/XX/XXXX - {$41.00} late fee XX/XX/XXXX - {$3.00} I did not receive any notices of these late fees, no indication that autopay was not processing, or any notices that I was delinquent. 

On XX/XX/XXXX I received a notice from XXXX that my credit rating had changed from XXXX to XXXX and discovered it was because of this issue. 

Today, XX/XX/XXXX, I called Synchrony to complain. They removed the {$41.00} late fee but say there is nothing they can do about the credit reporting. 

My complaint is : Synchrony does not properly notify customers of account problems ( autopay, late fees, late payments ) Synchrony charged late fees that are dramatically disproportionate to the actual charges Synchrony does not provide tools to properly manage the account ( no option to setup autopay or change notifications )
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IL)

I think this bill was caused because of my stitches I received at the hospital over a year ago. I paid multiple bills on this, including XXXX XXXX XXXX  XXXX XXXX. This is the same company for this scam bill as well. I tried to call but I kept going to voicemail immediately. I believe this a scam because I paid this bill almost a year ago, and I got a collection notice out of no where. I have not been getting contacted by anyone regarding this despite saying so in the bill. 

I'm concerned I was scammed the first time because I thought it was real deal. I think they're trying to scam me twice now. 

The date on the 'scam ' bill is XXXX XXXX, XXXX Two accounts : {$250.00} and {$37.00} Total : {$290.00}
Consumer complaint received 2024-04-13
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-04-13
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. (SC)

XXXX XXXX and XXXX XXXX XXXX XXXX are reporting my transaction & experience with them. Reporting my transaction & experiences is in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-02-15
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NV)

I am writing in regard to a recent purchase experience that occurred on XX/XX/2023 : I went to the XXXX XXXX and purchased a pet with a salesperson named XXXX for {$4500.00} at the time of purchase I was advised that I would have 48 hours to make a return no questions asked and at no charge to me if it didnt work out due to my schedule as I was hesitant to make the purchase with my long work hours. I came back to the store less then 48 hours on XX/XX/XXXX and reluctantly returned the pet to the store and at that time I was given a release letter and in this letter it stated that the return amount was {$330000.00} as a store credit I wont be using the store credit. 

I called the XXXX  comenity bank and I explained them the situation the store charged me {$4500.00} and the store credit is {$33000.00} which is a discrepancy of {$1100.00} according to comenity bank, they want me to make payments for something that was returned to the store I believe comenity bank needs to dispute directly with XXXX  store not with me, because I have proof that the dog was return to the store. 

I feel very disappointed that they are not working with me I called several times and nothing has been done I dont want to be reported it to the credit company for not making payments. 

I would like to dispute this charge and hopefully the situation can be resolve
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MO)

On multiple occasions, I have been blocked from using my own card. The bank has stated that the card was suspended due to fraudulent transactions, despite these being my own transactions. Today, XX/XX/XXXX, my card was suspended without my knowledge. The bank is closed and I can not make any purchases or payments to my loans, rent, or other expenses. The dates these incidents have occurred are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has caused me lots of stress and anxiety and also affected my credit score because of late payments due to the bank being closed throughout the weekend and preventing me from making payments.
Consumer complaint received 2024-02-15
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: Bread Financial Holdings, Inc. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of Last Payment differently : XXXX says XX/XX/2019, XXXX XX/XX/2019 and this is not reported on XXXX. The Date of the Last Activity shows differently : XXXX XX/XX/2019, XXXX XX/XX/2019, and XXXX is not reporting this account. The date last reported on a credit report is inaccurate or outdated ( XX/XX/2019 ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-04-13
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (GA)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN FIRST FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN FIRST FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/year>, I unfortunately faced financial difficulties due to the XXXX pandemic. In order to manage my finances responsibly and meet my financial obligations in the best possible way, I contacted XXXX XXXX to request a deferral of my credit card minimum payment for those two months. The phone conversation I had with one of their customer service representatives assured me that my request would be processed without any issues and that no late payments would be posted to my account as a result of this deferral. Take the representative 's word for it and follow the instructions provided. 

My lease is about to end here at my lease home for me and my kids and I am looking to buy a house. 

I ask you to be so kind and help me change these late payments from late to on-time. 
Help our family get approved for a new home. If we can't change this, there's a big chance we could become homeless and you're my last hope, I hope you can help me. 

Listed below are late payments that are NOT accurate and those dates should be changed to PAID. 

As agreed Account Name : XXXX Account Number : XXXX Report dates not specified : XX/XX/year> and XX/XX/year>.
Consumer complaint received 2024-02-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (CA)

While using Comdata Corporation Credit Card Processing Services, On XX/XX/XXXX, two transactions were made, one for Balance Inquiry and a transaction of {$200.00} from a XXXX ATM machine. After discovering the transaction, I immediately called the company but I had to wait until the transaction settled. Once it settled, I did the dispute, I was initially told to wait Ten Business days. However, it extended to 21 Business days, when the 21 business days were over I was told to wait another 7 days, which I waited more than 7 days. I did a complaint on XXXX  review site. The company contacted me and they informed me that it will take until XX/XX/XXXX to resolve. On XX/XX/XXXX I received a denial letter from the company, the reasoning was due to my history having a consistency with the XXXX atm, the only time i used the ATM at XXXX was in XXXX, it shows on the statement and it was for {$300.00} and that same XXXX i puchased something along witha {$40.00} cashback. I only had one ATM withdraw from XXXX, the very last ATM withdraw was from XXXX that's less than 5 minutes from my house in XXXX XXXX. This transactions was taken out of my bank at a ATM machine at a XXXX in XXXX XXXX without a card. If my account summary could be uploaded I will show how they made their determination. They could even go back to their recording on XX/XX/XXXX
Consumer complaint received 2024-01-02
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. (PA)

Back on XXXX XXXX I file a complaint with the CFPBIn response to my complaint, on XX/XX/XXXX, in response to the complaint I received the following response ( XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Company Name XXXX XXXX CO THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ) CFPB Complaint is ( Attached ). 
Please delete credit XXXX account as this account has been report inaccuracies XXXX lates after CLOSED account/COLLECTION status for 2 yrs. starting XX/XX/XXXX, additional, this car loan was a 48-month contract term that expired XX/XX/XXXX ( copy of contract attached ) after which is reporting active XXXX lates even after the term of the contract ( from XX/XX/XXXX to XX/XX/XXXX ). 
On ( XX/XX/XXXX ), CFPB ordered resolution for the account was deletion from my credit file which has yet to happen ( SEE ATTACHMENT )
Consumer complaint received 2024-04-13
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. (MI)

I have repeatedly over the course of many months requested a copy of the Purchase Agreement showing that XXXX XXXX purchased the alleged debt from XXXX XXXX XXXX. Acct # XXXX ; Amt off : {$860.00} XXXX and XXXX repeatedly misrepresent " verification '' in their unlawful responses ( including those to the CFPB ) by simply sending laser printed copies of statements without signatures allegedly from the account. This is not what I have requested. This is also not legal " verification '' of the debt. What I have requested ( and what I am entitled to ) is the legal Purchase Agreement to prove to me they have the right to enforce and collect this alleged debt. I wish to see proof they own the account, and review the terms of that Purchase Agreement, to ensure they are using accurate information in their currently unlawful practices. I RENEW MY DEMAND FOR A COPY OF THE PURCHASE AGREEMENT. They understand exactly what I am asking for. Yet the falsely pretend to be responsive to the CFPB by claiming they previously sent " verification '' to me. They have not sent any proof they own this account and have any legal standing to collect upon it. PLEASE DO NOT LET THIS COMPANY CLOSE THIS CASE AGAIN WITHOUT PROVIDING THE ACTUAL PURCHASE AGREEMENT REFERENCED ABOVE. I predict they will again mislead the CFPB unlawfully by claiming they have already " verified '' the debt with simple copies of statements, etc. This does not meet the legal standard to prove they own the debt. They continue to MISLEAD THE CFPB, and many consumers like me with falsified replies that fail to address the VERY SIMPLE REQUEST FOR THEIR PURCHASE AGREEMENT. Their ongoing fraud is a direct violation of the FCRA and FDCPA. I will continue to complain about this company until such time as they send me a copy of their legal Purchase Agreement. Until they prove their ownership of the debt, their negative credit reporting remains illegal and their illegal practices should be investigated. They knowingly engage in this type of fraud routinely as the victimize many consumers. I grant them permission to contact me if they wish for the limited purpose of assisting me in obtaining their Purchase Agreement and deleting their wrongful reporting from my credit reports.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

This is XXXX XXXX XXXX. I have a Wells Fargo account with a debit card. My card was stolen by XXXX XXXX XXXX. This is the second time he was stolen my debit card and I have had to cancel it, but I wanted to file a formal complaint that can be dealt with legally. I one hundred percent want to take legal action this time.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (TX)

The debt was paid, I requested that the account be closed to avoid making extra fees. The customer service agent refused to close the account. The balance is incorrect. The creditor has not returned {$100.00} that was that were payments made from my available balance for monthly payments taken for late fees prior to requesting the account closed. The two late payments charged on my account were incorrect, I made payments prior to the due date. I should not have been charged a late fee after closing the account.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-13
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. (NJ)

I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Silverman Theologou, LLP (CA)

I received a letter from Silverman Theologou LLP- the week ending XX/XX/XXXX  attempting to collect on an alleged debt on behalf of XXXX XXXX XXXX XXXX. 

I am demanding Silverman Theologou LLP provide the following : 1. ) Provide a certified copy of the original contract, signed by both me and an authorized XXXX XXXX XXXX XXXX employee. An affidavit of loss will not suffice. If they do not have the original contract in their possession, send me information on where the original contract is and when it can be viewed in person. 

2. ) XXXX XXXX XXXX XXXX is required by law to get my permission prior to releasing my personal and account information to a third-party. This was done without my consent, which voids the alleged contract. Silverman Theologou has no authority in this transaction and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

3. ) I want Silverman Theologou to produce the general account ledger statements showing the full accounting of the alleged debt. I am requesting, a signed affidavit by the person responsible for maintaining these records with first-hand knowledge as to the accuracy and authenticity of the general account ledger. 

4. ) Deliver proof their law firm is a party to the transaction. They seem to think they have a right to collect when their organization has never signed a contract with me and has never loaned me any money or credit. According to American Jurisprudence 2d 73 ; a third-party collector has no rights if they were not mentioned on the original contract or were any part of the contract; including loans transferred, assigned, sold, or changed hands in one manner or another.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ZIONS BANCORPORATION (AZ)

I have been trying to apply for a home equity loan or a personal loan to take care of some home improvements and credit card debt, and I found out that I have been denied because the institution has been lying about my credit report and credit score. When I check my own credit score and report, it does not match the information that the bank has.