davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Waiver of Late Fee and Correction of Credit Report Due to Repeated Account Number Changes Dear Comenity Capital Bank and Consumer Financial Protection Bureau : I am writing to bring to your attention a recurring issue with my account that has not only caused undue financial stress but also negatively impacted my credit score. On XX/XX/XXXX, I was charged a Late Fee of {$40.00}. This charge was unwarranted as I have been facing continuous challenges with my account, primarily due to repeated changes in my account number by Comenity Capital Bank. These changes have made it exceedingly difficult for me to register for and access my account online, consequently hindering my ability to make timely payments. 

Despite these obstacles, I was finally able to register and access my account on XX/XX/XXXX, the very day I made a payment. However, to my dismay, I was still charged a Late Fee. It is imperative to highlight that this issue is a direct result of the bank 's actionschanging my account numbers and affecting my access to online banking. 

Enclosed with this letter, you will find a copy of a previous letter dated XX/XX/XXXX, detailing similar issues, alongside screenshots from XX/XX/XXXX, evidencing my successful registration and payment on that day. Although Comenity has refunded a previous late fee of {$29.00}, they have refused to remove the negative mark from my credit report. 

Given these circumstances, I am requesting the following actions be taken : The immediate waiver of the {$40.00} Late Fee charged on XX/XX/XXXX. 

An update to my credit report, ensuring it reflects that my account is not late and is in good standing. 

An investigation by the Consumer Financial Protection Bureau into Comenity Capital Bank 's practices of changing account numbers, which appears to be a tactic to lock customers out of their accounts, thereby leading to unwarranted late fees and negative credit reporting. 

I fear that without intervention, Comenity Capital Bank may continue this practice, further affecting my and potentially other consumers ' financial well-being and creditworthiness. I believe this matter requires urgent attention to prevent further injustices. 

Thank you for your prompt attention to these matters. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX Enclosures : Letter from XX/XX/XXXX Screenshots from XX/XX/XXXX Additional documentation as referenced
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge 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. (NY)

I ordered a package from XXXX XXXX XXXX in XX/XX/year> for the amount of {$120.00}. After contacting customer service they give me the same answer saying that the package was delivered by " lasership '' ( a company notorious for having shipments missing ). I never received any package nor had my video doorbell rung whatsoever. After multiple attempts for having the items replaced or refunded, it did not help. The following month I made the attempt of filing a dispute with their credit card company. I keep on getting the same answer " To please contact the merchant directly ''. I keep on calling them and writing and no one is willing to help with this matter. Last letter I recieved from them was on XX/XX/year> and still no help. XXXX XXXX XXXX  is irresponsible and of bad reputation as well as the commenity bank card. They rather keep my money for no products received which is stealing in other words. I keep on contacting the XXXX XXXX XXXX through their website and they never respond despite even getting automated e-mails.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I sold my house in XXXX XXXX GA on XX/XX/XXXX and I had two separate wires done. One to my closing attorney in XXXX, Fl and the other to my checking account at Ally Bank. On the XXXX, I had to pay off my debt with XXXX and pay for a good use car, as well as other minor expenses. However when I met the movers at my condo in XXXX the next day. I couldnt use my debit card to pay, when I called Ally they said since it was a new account I only could have a {$500.00} spending limit for 90 days?! And they suggested to me that I could send the money by XXXX, when I tried to send the funds to my mother who had an account at XXXX. They locked my account and when I called they told me that I couldnt send funds to another bank. They were the ones that suggested it in the first place. They have restricted my access and are supposedly investigating it. I am locked out of my account for almost a week and every time I tried to call for an update they give me a different time on when I should know something and Im fed up with this. This is my money and I havent done anything wrong. If I dont pay my movers soon Im going to loose everything including priceless heirloom pieces. I dont know who to turn to for help. I need access to my funds so I can live my life and take my funds away from Ally Bank. Please help me resolve this! I havent done anything wrong. It would of been a week since XX/XX/XXXX since this has happened and banks are not supposed to hold money hostage for this long. Please help me!
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BOK FINANCIAL CORP (TX)

I was trying to use my card one day, but it wouldnt go through anywhere. Nobody called me for a heads up or anything. I started calling the bank, and they would run me around, saying they cant tell me ; I need to call this number, and the number was for the fraud department. I asked, " Why was my account blocked? '' They gave me a dumb answer that didnt make sense. They were aware of the deposit happening & the amount because I spoke with them several times that month and the month before. There should be notes. They were the ones that advised me to get a check from my other account, then deposit it. Ironically by the time the transfer was able to be sent, the interest rate for the CD account I wanted to use the money to open dropped. So someone called me to open the CD account, and I was hesitant because of the rate, ask them if they can honor the rate myself and another staff had initially gone over, they said no and I told them I would let them know. They emailed me documents which Ive never signed. I check my account, and my money that I transferred is not there until today. Mind you the frauded the account and removed my money all at once. Ive called several times for them to make the money available in my account, and they said only the person who opened it can do so, and theyll have him call me, but hes never called me. I have the document in my email still unsigned. Ive told him last we spoke I am not opening it to hold off. So they blocked my account and accused it of fraud and took my money. It seems Bank of Texas is the fraud here. I want a suit.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I had account with XXXX XXXX which there where two account XXXX. Which I have already paid in full 2years ago XXXX XXXX also gave me a payment history. Which shows a XXXX balance on both accounts. Now I a letter from a collection agent Sequim Asset Solutions stating that I own XXXX XXXX which I already given them proof of everything.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX XXXX XXXX XXXX I was Born on XX/XX/2000, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. 

Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act Equifax has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

15 U.S. Code 1681 ( e ) - Accuracy of report 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.
Consumer complaint received 2024-03-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (FL)

XXXX XXXX filled XXXX  XXXX in XXXX of which no notification via email or regular mail was received by me. I have a Retail Installment Contract with XXXX XXXX XXXX XXXX the Creditor. They use a 3rd party payment processor ( Healthcare Finance Direct, LLC ) which it specifically states in the agreement that they are not a lender. Simply a payment processor. I found out that XXXX XXXX ceased all Operations and is now defunct. I contacted HFD because I saw that they continued to debit my account and I called to question on why and asked them to cease and desist in doing so since the Creditor ( XXXX XXXX ) has not only closed their doors, but also is in Breach of the Medial Service Agreement in the promised services they would provide and at this point will no longer honor. I have also filed a complaint with the XXXX  and sent emails to HFD asking them to cease and desist their attempt to debit my account. I have since gone into the HFD portal and removed my primary billing information. It would not allow me to remove the " back-up '' account and I am concerned they will continue to debit through that account. Again, I am asking for your help in asking this 3rd Party Service provider ( HFD ) who is NOT THE CREDITOR, to cease and desist from making any further debits and threats to send the account to Collections if I don't continue to pay them as they their Representative stated to me when I called to ask them to stop.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

They have not provided proper verification. You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately in a timely matter. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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. Account name : XXXX XXXX, has violated my rights. 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 2024-04-14
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. (CA)

I filed a complaint disputing several inaccuracies and after the complaint was filed, other inaccuracies were added. Which included improper use of my credit, while violating the privacy act.
Consumer complaint received 2023-08-24
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. (MD)

There are unauthorized inquiries on my credit reports also incorrect information as far as my address .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  All these inquiries was not authorize by me!
Consumer complaint received 2024-01-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

The product is a virtual AMEX eGift card that was given to me by a business for completing some tests. It has a {$200.00} balance. 

XX/XX/XXXX - Tried to use the card to refill my XXXX gift card balance on the XXXX site ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card to purchase a gift card at XXXX XXXX ( failed )- {$200.00} XX/XX/XXXX - Tried to use the card at XXXX to purchase a physical XXXX gift card ( failed after initially being accepted )- {$200.00} XX/XX/XXXX - Tried to use the card to pay for my termite inspection balance with XXXX XXXX ( {$200.00} applied to the balance - card failed/declined ). 

The card currently has {$200.00} balance, but I can't use it on anything.
Consumer complaint received 2024-04-14
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. (TN)

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The XXXX XXXX are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting XXXX, Equifax, and XXXX to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt collectors letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt collectors. IF this item is unable to be provided in a timely matter I request that XXXX, Equifax, XXXX removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address XXXX, Equifax, and XXXX has on file In the event that XXXX, Equifax, XXXX fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against XXXX for violating my rights as a consumer under the FCRA.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY EQUIFAX REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU 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 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

I signed the loan documents and the interest XXXX was 2.99 %. Now that the loan is active within GoodLeap system, they are saying the rate is 7.99 % and my payments went up. I received a call from Goodleap on XX/XX/year> at XXXX cst and spoke with representative XXXX and she confirmed that the rate is incorrect. She stated that system shows that system is charging 7.99 % but signed loan documents show 2.99 %.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

SUBMISSION DATE XX/XX/XXXX USAA Federal Saving Bank Re : XXXX XXXX Dispute Case # XXXX From XXXX XXXX XXXX in the amount of {$8600.00} Enclosed in this documentation is the following to support the above dispute claim : 1. XXXX XXXX XXXX XXXX  dated XX/XX/XXXX a. Total estimate cost of {$8100.00} b. Vehicle towed and received at XXXX XXXX  on XX/XX/XXXX c. Projected completion date of XX/XX/XXXX is incorrect d. Odometer reading IN : XXXX XXXX which concludes that the vehicle WAS never test driven post repair e. Definition or suspect root cause for breakdown ; timing chain and camshaft malfunction f. Repair to be covered by extended warranty company & dealer must comply with claim process. Claim # XXXX to be reimbursed in full. See details on proposal 2. Email detailing timeline for from XXXX at XXXX XXXX XXXX dated XX/XX/XXXX a. Timeline to complete is two weeks from XX/XX/XXXX XXXX. Email to XXXX on XX/XX/XXXX ; subject XXXX with photos a. Demand to complete warranty repair with claim submitted to extended warranty company b. Confirm car immediate pick up no later than XX/XX/XXXX c. Photos of missing valves on camshaft identifying damage XXXX. XXXX XXXX XXXX final bill with tax dated XX/XX/XXXX a. Invoice XXXX b. Cost of repair total {$8600.00} which exceeded original proposal c. Odometer reading is one mile over the original receipt date from XX/XX/XXXX i. No test drive was completed with XXXX XXXX XXXX. They held my vehicle for three months with no work completed until we contacted XXXX XXXX XXXX to complain about this repair work which would typically take less than two weeks d. I did NOT SIGN and the XXXX  Invoice agreeing to the charge. It was to be submitted from XXXX XXXX XXXX, the dealer of record, directly to the extended warranty company at no cost to me XXXX. XXXX XXXX credit card receipt NOT SIGNED Per my call to the USAA credit card team today, I did not receive this request for additional documentation until today. I was instructed to submit the documents by mail and the claim would remain for review. Claim documents can not be updated online, in usaa.com, on the bank site or in the mobile app as they are restricted to XXXX MB per your IT TEAM on increasing capacity. YOUR ONLIINE SYSTEM HAS BEEN COMPROMISED.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (OH)

I booked a hotel in XXXX CA from XX/XX/XXXX until XX/XX/2024. They lost power for over 3 days and kept insisting the power would be back on shortly so I stayed instead of going to a new hotel. Without power I could not use refrigerator ( and I lost items I had in there ), no microwave, no internet to do my job, etc. 

I contacted the management at the hotel about getting a credit for XXXX days ( of the XXXX I stayed for these issues ) which is {$160.00} of the total bill of {$750.00}. They have never responded. Therefore I asked Citi to get involved ( I paid using their Mastercard ). 

They looked at my dispute and determined it was a " quality '' issue which they said they can not help with. I strongly disagree! I could not use the room I paid for! I did not get the services they promised to me. 

So, I am writing asking you to take a look at the issue to see if you can help. 

Thank you very much.