davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My cc is with bank of America however the issue seems to be with VISA. Every month I am getting a recurring charge for {$29.00} from a company that changes it name. Mostly it goes by : XXXX. Atleast 4 times BofA has declined the charge. They missed it once but I caught it and complained. In all those cases they have stopped my card and issued a new one with a new number. Each month this fraudulant company somehow gets the new number from Visa and makes a charge for {$29.00}. I am not the only one. There is a website people have been using to complain about it for over a year. I have contacted VISA and asked the to protect my information nothing is happening and it happened again today. Here is a link to that site : https : XXXX
Consumer complaint received 2023-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital one has made several Hard inquiries when all of them should have been soft inquiry. The hard inquiries had a negative impact on my credit score/report. it made hard inquiries to major credit bureau XXXX and XXXX. In total in a six-month span did a total of XXXX hard inquiries. I have Called Several times to get this corrected and removed. They should have been soft inquiries. I would never apply or allow that many hard credit check from the same company or any Dates of the hard inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY (KS)

Nordstrom 's credit card debt collector called before XXXX XXXX Received a call on XX/XX/2023 at XXXX XXXX and I was asleep after being up all night due to an illness and am XXXX. I have rarely missed a payment with Nordstrom 's but their representatives behind the debt collection are rude and aggressive which is unacceptable. The {$39.00} payment was made as it was an oversight on my part.
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

send a copy of the request summons or subpoena you sent to XXXX XXXX to verify my homeowners insurance and what steps were taken to correct the erroneous escrow entry by XXXX in XX/XX/2017 for {$2200.00}? 
Also send the response to that inquiry to XXXX XXXX
Consumer complaint received 2023-04-18
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

After AAA switched credit card vendors to Comenity Bank, this new vendor seemed unable to process my payments properly. After several months of on-time complete payments of full balance not showing up on my statements, I stopped using the card. Twice they even sent my payment check back to me saying they did not know what account to credit this payment to, even though the final digits of the account number were printed right on the check. Of course the checks were sent back to them by me, but then they proceeded to charge me late fees and interest ( for payments I had made on time and in full ) and now, they are ruining my credit with the credit agencies, claiming I have not paid my bill ( s ). My bank ( XXXX XXXXXXXX XXXX ) does use a third-party bill payment vendor, but I have proof that all payments were sent on time ( to the correct [ listed/bill payment ] address ) and this has been confirmed by my bank. 
Before the switch to Comenity bank, I have NEVER had ANY problems sending credit card payments to ANY OTHER credit card company. EVER. 
BTW : In their correspondence, their letterhead address has typos so it makes corresponding with them an unsure gamble.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (TX)

I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

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 2024-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX amount of {$11000.00} was charged on my credit card. My Bank failed to stop all transactions and notified me. It went over my credit limit. 
I had several fraudulent from a company called whatnot. I never nor did my husband approve for any of these transactions. The bank stated the package were sent to my address. What packages? I do not have any package whatsoever. I even submitted supporting documentation to help with my claims. I am always calling every week to get update. The bank is working on the case no changes. As of today BOA closed my claim stating I asked for it to be closed. I never spoke to anyone about closing my claim, I never gave anyone authorization to close it. I repeat why would I want to close a {$11000.00} claim! Im getting the runaround with BOA. 
Im sorry BOA has failed me, I been with them since XXXX, I never had this happen to me especially a huge fraudulent transaction!
Consumer complaint received 2023-12-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation (MO)

On XX/XX/XXXX I went into Western Shamrock on XXXX XXXX in XXXX, MO to pay off my loan early. I had called the day before to pay it over the phone and they said there would be a XXXX fee to pay OVER the phone. I said I would be in the store to pay in person then to not pay that high of a fee. When I went in and paid, I checked my bank account afterwards and there was a {$24.00} fee. I called the store because no one told me if I paid with a debit card, it was still a fee. I called and XXXX claimed she didnt know what the fee was for. Hmmm really? They XXXX their district manager would call back. Saturday now, no call. Deceptive practices and not divulging their fees, is wrong I would like my money back {$24.00} and to have this company audited. Their lack of knowledge is obvious and disturbing. Thank you for your time. You have my info should you need anything else
Consumer complaint received 2020-07-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

In XXXX of XXXX I went thru the Home Affordable Modification Program and initiated a new payment program initially thru XXXX The program included incentives for paying on time that accrued at XXXX per month, each month for the first 5 years of the Mortgage. After each year for the first 5 years, {$1000.00} should have been applied as Principal reduction to the tune of {$5000.00} after 5 years. Also a Dodd Frank Certification program enabled me to receive an additional {$5000.00} on my 6th anniversary of on time performance, XXXX of XXXX. These documents are attached. Greentree and or Ditech, never applied any of these payments they should have received from the Treasury. After several inquiries and even getting sent from Greentree/Ditech the actual documents supporting these payments, they ignored any resolution to the issue. In XXXX of XXXX, the mortgage servicing was turned over to XXXX ( XXXX ). I have made several inquiries ( five specifically, 3 phone calls and 2 detailed e-mails ) since the servicing was transferred and even sent the documentation, and have not heard anything back. I finally got to someone today ( XX/XX/XXXX ) who told me they knew nothing about this and its not their problem to resolve. I have gone to the XXXX XXXX XXXX website, and spoke to their counselors ( XXXX  ). They can't help me and referred me to this means of resolution ; as well as, contacting the Treasury department, given that's where the payments should be coming from anyway. After contacting the Treasury department, they referred me back to the XXXX XXXX XXXX website and the HUD Counselors from XXXX. I do not know who to go to in order to get these payments made.
Consumer complaint received 2023-12-09
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: TD BANK US HOLDING COMPANY (NJ)

Fraudelent transactions on debit card Purchases made from XXXX XXXX XXXX XXXX XXXX XXXX I have filed 7 reports 3 with TD bank disputing the charges 1 police report outlining the charges 1 with the FTC consumer fraud department 1 with XXXX fraud department 1 with TD bank senior customer complaints office
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The company reported wrong statement balance my account closed with XXXX on XXXX XXXX XXXX account which was the amount that was reported on XXXX but equifax reported XXXX dollars which was incorrect i have attached my closing balance for this month on the attachment, the need to update the reporting, they have to factually report the correct, according to fcra the credit burea have to report accurate information, -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

XXXX and Experian reporting inaccurate and information about my bankruptcy. I respectfully request the CFPB to : Conduct a thorough investigation into the practices of XXXX and Experian, particularly focusing on how they obtained and reported my bankruptcy information without it being furnished by the State of Virginia, in clear violation of FCRA guidelines. 
Compel XXXX and Experian to immediately correct the inaccurate bankruptcy information on my credit report, to comply with all applicable laws and regulations, and to take necessary actions to prevent such incidents in the future. 
Provide guidance or assistance to me regarding any further actions I should take to rectify this situation, protect my rights, and ensure such inaccuracies do not recur. 

I have a letter from the state of Virginia stating they did not furnish my bankruptcy to the CRA 's XXXX and Experian. 
Given the significant discrepancies in the reporting of my credit information, with XXXX not reporting the bankruptcy which XXXX and Experian have inaccurately listed, I request the following actions to be taken immediately. 

Delete the bankruptcy from my credit report and file.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My account was compromised and I'm being accused of the actions made which were not me an wells Fargo took XXXXXXXX XXXX  and wrongfully closed my account I want my money back I will refile as many times as needed to get money back that's rightfully mine
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (AZ)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

This is a rental debt from XXXX that was first placed on my husbands credit, weve requested and received paper based evidence in XX/XX/XXXX. The charges placed on us is not supported by the contract/paper evidence, its a bogus charge after our contract was terminated. Weve talked on the phone for 30 min without the representative offered any evidence to justify the additional rent charges of {$400.00} which more than covers the debt theyve claimed. Therefore the debt was removed from my husbands credit. However, this debt was placed on my name XX/XX/XXXX, which Ive also successfully appealed from my credit union. This is the 3rd time theyve put the same debt under my husbands credit 2 days ago. XXXX is clearly harassing us with this debt that they dont have credible evidence of. Please help us and fight for the consumers right.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Under the Fair Credit Reporting Act, Capital One has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy 15 USC 1681, section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit for any purpose. Capital One is reporting 10 missed payments, 5 on one card, and 5 on another. There are only 4 months that are reporting not current in XXXX. One card is from XXXX to XXXX of XXXX, and the other is from XXXX to XXXX of XXXX. Disputed was once taken on my end, but the company refuses to change or erase the inaccuracies.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (PA)

XXXX XXXX loan reported a repossession on my credit report will out my cassette nor did they write me unletter to inform me that they will put that on my credit report I asked them to remove it and they refused to They received the vehicle back as well and the insurance paid for the damages to the vehicle because it was in a hit-and-run
Consumer complaint received 2021-01-20
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)

On XX/XX/2017 I did a consumer credit transaction with XXXX by XXXX XXXX. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. XXXX XXXX is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. XXXX XXXX failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My new loan service provider is Nelnet, which acquired my loan from Great Lakes. I attempted to pay my loan on XX/XX/XXXX at XXXX XXXX, with the due date of XX/XX/XXXX. Nelnet would not allow me to make a payment until XX/XX/XXXX and told me that I had to pay late. I just want to pay my loan on time.
Consumer complaint received 2023-12-09
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: GOLDMAN SACHS BANK USA (NY)

I have purchased a XXXX pro on XX/XX/2021 which Ive requested to return on XX/XX/2021 in compliance with XXXX return policy. 
For me to be able to return it, XXXX issued me a XXXX prepaid return label with a tracking number : XXXX. XXXX attaching the return label that was issue to me as well. Unfortunately, over 120 days since the delivery have passed, so you wont be able to see the tracking anymore. 
Over the following month, I regularly chatted with XXXX to enquire about the status of my return. They always confirmed that according to their records, this showed as delivered to the warehouse and I just needed to wait for it to be processed. 
Towards end of the month o XX/XX/2021, my account was banned allegedly due to too many returns. After banning my account, XXXX never refunded me for my returned XXXX ( and the object on this dispute ). I was unable to contact XXXX by phone or chat to talk about this issue. Their representatives told me that the only way to talk about this issue would be through email. Attached is an example of an email Ive sent that I was never answered to.
Consumer complaint received 2023-12-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AZ)

On XX/XX/ my employer had their XXXX XXXX XXXX and gifted me a {$100.00} vanilla visa gift card. The gift card looked brand new and sealed in the initial visa cover. When I opened the card, the 4 of the numbers were scratched off and I was unable to use the card. I contacted visa and gave them the serial number of the card, the amount was still on it however, they stated this is a well known scam, and they were most likely not going to reimburse me or send a replacement card. The {$100.00} was still on the card at the time of the call. Apparently, this is a well known scam and there is currently an active lawsuit against Incomm for this. I want my {$100.00}, its only fair and right.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.