davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (KS)

I have repeatedly requested Discover Card quit using my e-mail address as a means of communications. I first issued a Cease & Desist request around XX/XX/XXXX to Discover Card via phone contact with a representative at their customer service number. I additionally contacted XXXX XXXX with Discover Card Executive Services at XXXX on XX/XX/XXXX and spoke with his assistant on a recorded line advising him they need to Cease & Desist using my e-mail as is my right under the Can-Spam Act. However, I continue to receive e-mails from Discover Card as of XX/XX/XXXX which is a direct violation of both federal law as well as internal Discover Card compliance procedures.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: John C. Heath, Attorney at Law, PLLC (FL)

Lexington Law firm keeps charging my account in denominations from about {$20.00} to {$140.00}, whenever my account has any money in it. I have repeatedly emailed and called them asking to remove my card from the account and cancel my account with them as they have done NOTHING to improve my credit score over the past year, plus. My credit score increased with my paying off debits, and that ALONE. I want every single payment they've taken from my account returned.
Consumer complaint received 2023-11-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I reviewed my two last statement and they have been issued with out list the list of detail purchase. they just have a general amount charge in the statements. 

I requested the credit card to send me a detail information to verified my purchases because look for me as some one made fraudulent purchases online. Also I made a police report. I continue making my normal monthly payments to the credit card however I did not understand why the balance is not showing the payment I made in the last four ( 4 ) ) months.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I have TD Convenience Banking checking account and applied for and received TD Cash credit card. The first full cycle was XX/XX/2023 for this card. 

In XXXX I set up " Auto-Pay '' to ON for minimum due on my credit card. My payments are due on first of each month. Auto pay is active since XX/XX/2023. 

On XX/XX/XXXX I noticed Auto-Pay did not go through and {$29.00} late fee was charged. When I log into the app it says Auto-pay has been active since XX/XX/2023 and there is enough balance in my checking account for this payment to have gone through. I have screen-shots from the app available if needed. 

On XX/XX/2023 around XXXX I called TD Banks customer service rep and spoke with " XXXX ''. I mentioned the issue and her answer was that due to a software patch the payments were'nt set up in their system. Yet I can see in the XXXX  app that Auto-Pay is still active and ON. 

This seemed troublesome to me as no mention of this was made by TD Bank in any form of written communication prior. 

XXXX then transferred me to her supeervisor " XXXX '' upon my request. XXXX told me the same thing that a software update effected everyone whose payment was due at month end. 

Since 100s or 1000s of consumers may have been impacted by this, I feel its necessary to report this. TD Bank should have sent a letter informing customers that Auto-Pay for minimum due would not have worked due to this software update error. 

My opinion is this is a form of late-fee harvesting and needs to be investigated. I am available to provide corresponding screen-shots and my notes from discussion with representatives of the bank. 

Thank you.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I opened a dispute with an item on my credit report through Experian. They came back stating that the report information is true. I previously paid this to a debt collector for a lesser amount than what shows on the report. The other two reporting agencies have already recognized this and have since removed from my report. Experian is the only one trying to keep this on my file. My dispute number with Experian is as follows. XXXX Experian should be able to find this informantion using that number and all the details.
Consumer complaint received 2024-03-21
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. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (GA)

IQ Data International contacted myself and my son who was on a lease of an apartment we rented together. The debt collector threatened to debit the money from my sons account without authorization and threatened to report the debt to the credit reporting agencies. When I explained the debt had been paid through XXXXXXXX XXXX XXXX that I purchased for the rental property they continued to contact me and my son to collect the debt. I called and requested they send me an email so that I can provide proof of the payment. When I spoke to the rental company I originally had the debt with they confirmed the debt was paid and was not sent to collections. The debt collector refused to provide me with a name of operator, authorization and proof they currently owned the debt. I explained the debt was paid, they were not allowed to contact me anymore yet they continue.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (VA)

I have been attempting to access my Loancare account since XX/XX/XXXX. I have not been able to login, just get a blank screen. There is no information on the website. I received no email communication. I have not been able to get responses by phone or email. The one time I got through on phone, I was told it was only a " technical issue '' and would be resolved by the next day ( XX/XX/XXXX ). That has not happened. They were not able to give me any information on late fees being incurred or late payments being reported. 

I was only able to find information about the security breech from the media. This was never communicated to me by Loancare themselves.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NJ)

I opened a card in XX/XX/2023 AFTER I was assured there was no Hard inquiry. I followed up a with a number of calls ... that HD mentioned were recorded for quality purposes to make sure there was no Hard Inquiry now after 7 months I see a Hard Inquiry on my credit score showing, and Home Depot they are saying it is correct and they can not remove it
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while bank of america did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the Bank of America acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, BANK of America MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.
Consumer complaint received 2024-03-21
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : 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 XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

XXXX, XXXX, XXXX and Lexis Nexis Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, XXXX, XXXX and Lexis Nexis Is falsely stating on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2018-09-04
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: CITIBANK, N.A. (NY)

" Cbna '' has a hard pull on my XXXX credit report. No address is listed, the date was XX/XX/XXXX. I do not recognize this hard pull at all.
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Portage Financial Services Company Inc. (OH)

The final payment was made on XXXX/XXXX/XXXX for a car that was financed thru XXXX XXXX XXXX. I received confirmation from the automated system that the XXXX payment was accepted. I received not only the confirmation from the automated system, a passtime code was also sent to the vehicle, confirming that XXXX received the final payment. I contacted the company a few days after making my payment to inquire about the release of the title. I was told by the XXXX XXXX XXXX that the she would contact me once the title was at the dealer. On XXXX, I received a call from XXXX XXXX stating that the payment was returned from my bank for nonsufficient funds. I knew this was untrue so I requested a copy of the written statement from the receiving bank detailing why the payment was returned. I have yet to receive the information. I 've been provided with information coming directly from the XXXX system showing they returned the payment but will not provide details as to why. I also know that the funds cleared the bank because the confirmation number was provided. If the payment was not successful, I need to understand why the automated payment system used by XXXX is sending false confirmations of payments to its consumers. XXXX XXXX is forcing me to repay the debt and refuses to honor the terms of the note. The vehicle was XXXX while I was at work. I was unable to travel in my property to my destinations including picking up my family from their daily routines. I would like XXXX XXXX to honor the contractual obligation and release my property or provide me the written statement from the receiving bank detailing why the payment was returned. I have yet to hear from my bank regarding any discrepancies. XXXX is rude and very disrespectful. I had to start recording the conversation with her to get her to act accordingly. I am being forced to pay another {$1000.00} to satisfy XXXX since she did n't accept the payment. XXXX XXXX is acting in dishonor and bad faith by refusing to honor the contract and release my property. This is theft ad coercion. Please help
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I filed an online dispute for two erroneous XXXX  XXXX bankruptcies listed on Equifax credit file. One being case # XXXX and the other case # XXXX. As of XX/XX/2023, I have not received any result from the investigation and the dispute still reads " Under Investigation '' on Equifax 's website. This is a clear violation of the Federal Credit Reporting Act. I demand these bankruptcies be removed immediately. I have attached a screenshot of the online dispute status, along with additional evidence that XXXX XXXX, the supplier of these erroneous bankruptcies, has removed this information from my file.
Consumer complaint received 2023-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : FRD MOTOR CR XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have sevearl problems on my credit report. Unauthorized inquiries personal name is wrong previous addresses that are not mine and employers that do not belong to me. Also several accounts that are not mine and charge off and or late paymnets that need to be updates. I have attached a letter explaining this.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

one day i open my chase app, it was suddenly unlock and I was unable to login in. I called chase and they said they will close my account for no reason, I went to branch and check what happened, they said they do know. but they will give me my remaining balance in next 10 days, but it has been three week I still have not received my check
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. For a company that mentions the term Zero Liability in reference to fraud charges more than 100 times on their website, I feel I am treated incredibly unfairly and pretty far from what I would expect from any customer service. Please help me get my money back. Im crying for help at this point.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My card information and debit card was stolen and someone spent XXXX unauthorized charges on my account. 
Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. This is clearly a mistake so I called them, and they said that the decision is final and could not be changed nor appealed. I am currently out all my money and Wells Fargo will not help me. Please help me get my money back. I'm crying for help at this point.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I called CAPIO partners bc they sent a text to begin with without my permission and I called in because I wanted to make sure it was valid. Upon calling XXXX my name and the first call was with a young lady and she gave me all my information during the verification which means that anyone can call and say their me and get my personal info that was a flag then I asked her about settling the account according to the text and if it could be deleted she adv she had to check bc she was unsure then a supervisor jumped on adv that she was listening to call but they never advised their was a second person on the line made me uncomfortable and she started asking but provided my personal information to me so I hung up a few days later I called back and got a gentleman and it was the same verification with him giving me all my information when Im the one calling in, Advised him I was aware of the debt they have in office and was wanting a willing to accept settlement agreement letter that said it would be deleted from my credit upon me paying the 50 % he advised me that CAPIO PARTNERS doesnt do that because that would be giving me a receipt for something I hadnt paid for yet and that since I work in collections then I know I can file a complaint if they lie after I pay them the 50 % sif offer and it wasnt deleted I advised him that XXXX  XXXX said same thing and I paid and it wasnt deleted and bc I didnt get it in writing I had nothing asked him again for the proof that they will delete after I pay and he said he couldnt advised him I dont want the calls or the text bc I didnt authorize a text to begin with and I would call on my own dont need them to call me until they can get their stuff together.