davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (KS)

I've had issues since I received my card in XXXX or XXXX of XXXX. It all came to a head in XXXX of XXXX, where I ended up paying over {$1200.00} in a one month period because of billing issues. While talking with the supervisor XXXX at the time, while she's trying to figure out the issues on my billing, my wife and I hear her say, " Well I don't even know why they had you pay those two months, then turned around and added those two months to that month 's bill. '' So I said, you're telling me that I overpaid because of a billing error on your part? '' To which she replied " Yes. '' Well, there's the first {$700.00} mistake. She proceeds to go through my history with Comenity, to which she numerous times referenced errors made on their part that I had to pay for. So XXXX of XXXX, a month in which I anticipated having a bill due but was told by XXXX  that there would be no bill due until XXXX, I pay {$410.00} at the beginning of the month after I got my VA XXXX check and towards the end of XXXX I paid off what showed as my remaining balance due, which totaled {$6700.00}. There was no notification of " potential additional interest charges may occur '' warning. So here we are in XX/XX/XXXX, I paid thus account off a month prior, and I get yet another bill from Comenity for interest on a card that is paid off. I've overpaid enough to this company, I will not give them another dime. This is a habitual issue with them based on the numerous complaints posted with the CFPB and XXXX. I paid what they said I owed, I will not pay them anything additional.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK/TARGET CREDIT is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX. TD BANK/TARGET CREDIT does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (MN)

This letter is in regard to the XXXX XXXX XXXX. 
This vehicle was purchased on XX/XX/XXXX of XXXX. The finance company GM Financial violated the Service members relief act ( SCRA ) by repossessing our vehicle on XX/XX/XXXX of XXXX without a court order. Which is illegal under the SCRA. The SCRA prohibits creditors from repossessing personal property, including your vehicle, without a court order, based on breach of a contract you entered into prior to XXXX XXXX military service. That means that even if you violate your contract by, for example, failing to make your monthly payments, the creditor must first file a lawsuit and get an order from a judge before your vehicle can be repossessed. We never received any court orders, nor did the lender ( GM Financial ) send any notification of the repossession. Neither did the repossession company identify themselves. 
the protection applies only if you : * purchased or leased the vehicle, or other personal property, before entering military service ; and * made a deposit or installment payment on the vehicle, or other personal property, before entering military service.Which BOTH applies to this situation. The SCRA rights are being exercised. 
SCRA rights may be exercised by anyone holding a valid power of attorney for the servicemember. Some SCRA protections also apply to dependents. 
To resolve this violation rather than taking legal action we would like the property ( vehicle ) along with the illegal down payment ( XXXX ) returned and restitution for pain and suffering this has caused. If the down payment, payment of restitution, and property is not returned legal action will be rightfully taken! 
* A person who knowingly resumes possession of property in violation of subsection ( a ), or in violation of section 3918 of this title, or who knowingly attempts to do so, shall be fined as provided in title 18, or imprisoned for not more than one year, or both. 
* ( 1 ) may order repayment to the servicemember of all or part of the prior installments or deposits as a condition of terminating the contract and resuming possession of the property ;
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. Thank you.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid 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: Incomm Holdings Inc. (NJ)

I filed a fraud dispute with this company back in XXXX XXXX over the phone. I later found out that I needed to fill out a form and send it back to them. I did so in XXXX and they confirmed receipt and assigned it to Case ID / XXXX. As of XX/XX/XXXXXXXX, they finalized my case and it was denied, with no just cause ... Again, this was a FRAUD dispute. Meaning someone stole my card and used it without my permission. These clowns completely mishandled my claim.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (OH)

This is day three of asking for my funds to be released plus the interest. I need my funds released or a representative to getvin contact with me and release the funds within a week. I am contacting a lawyer to get involved as how ridiculous you guys play and manage your company and your own money disputes.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV INC. (IL)

I bank with XXXXXXXX XXXX XXXX XXXX XXXX, TX. I use their online bill payer service to pay monthly bills. On XX/XX/XXXX I scheduled a payment of {$17000.00} to be paid to XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card bill, to arrive by XX/XX/XXXX. On XX/XX/XXXX, my bank activity showed that the payment had been made, but the money was not taken out of my account. I assumed the payment was made electronically as both XXXX and XXXX are large banks, and would have the ability to perform XXXX transfers. I called XXXX and was told that this payment was made by a paper draft check sent via XXXX, not electronically. I asked how the determination is made as to electronic payment vs. paper check. and I was told that a third party, a company called XXXX, which provides the bill payer service makes that determination. I explained that as a consumer, I need to know which form of payment will be used, so I can avoid late fees and interest charges. XXXX said XXXX will not tell them the determining factors for that decision. I obtained a phone number for the Consumer affairs at XXXX and called them and they refused to tell me how that decision is made.
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (TX)

Phoenix financial serv. XXXX XXXX XXXX XXXX is claiming that on XX/XX/XXXX I have a Debt of XXXX dollars for medical services.. I did not have any medical services done to me.. they have charged me for some association doctors cost.. this is not right ... and this is unfair practice ... and this is not me .... the contact information they have provided is XXXX XXXX XXXX XXXX XXXX , IN XXXX.. phone Number XXXX XXXX XXXX XXXX.. thanks
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On Thursday, XX/XX/year>, while attempting to log on to my USAA mobile app, the automated system could not verify my identity or information. Neither my PIN nor my social security number was recognized. Shortly after that, I contacted USAA to inquire about why this was happening. The agent then informed me that USAA was severing ties with me and would no longer provide me with banking services as per their depository agreement. She also informed me that the process would be completed in 60 days. I believe this is in retaliation for the complaints that I previously filed against USAA for not adequately addressing my fraud claims. Another thing is that the majority of my money is with USAA and the agent told me that they would issue me a check within the 60 days. I can not, by any means, afford to wait an extended period to receive my deposit funds. I am a XXXX veteran and, as previously stated, the majority of the money that I have is with USAA.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has three different dates on my three credit report They have no exact date of my first date of delinquency. I have reported this account was reported late with the original creditor on In XXXX of XXXX and the seven year window for removing this account is XX/XX/XXXX. My XXXX, XXXX. and XXXX all have different dates when this account to he removed. They only have a partial file and do not have the whole credit reporting from the original creditor.
Consumer complaint received 2024-02-08
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 (CT)

XX/XX/2023 XXXX $ XX/XX/2023 XXXX $ XX/XX/2023 - XXXX $ XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX XXXX $ Goldman Sachs Apple Credit Card I have disputed these charges multiple times within the past year. My old friends used my phone and email and cards to purchase stuff that I do not have in my possession. I do not know the name on the pickup. I do not even live close to the pickup locations of these products.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/year>, I scheduled payment, selecting the PAY IN FULL option via Belk website. I do not shop at this store often, so I pay my bill in full when I use my card. 

The amount was paid and deducted from my checking account, as arranged. 
I never received any further correspondence from Belk. 
Upon receiving an email from XXXX ( the credit reporting agency ) that my credit score dropped XXXX points due to non-payment, I found that Belk charged an after the fact interest amount of roughly {$6.00} and then charged an additional {$1.00} per month fee for XXXX and XXXX, but NEVER contacted me to pay these amounts. 

After 90 days they then turned this report over to the credit bureaus and have destroyed my perfect credit!! 
Once I was in contact with Belk, I paid the {$8.00}, but they are refusing to remove this erroneous statement ( 90 days past due ) from my credit report. 
I have since closed my Belk account. Had I know they could charge interest AFTER THE FACT, I would never have used this card.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AL)

XX/XX/2023 XXXX. {$120.00} XXXX. {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX. {$100.00} XXXX. {$120.00} XXXX. XX/XX/XXXX - {$120.00} XXXX. {$120.00} XXXX. {$200.00} XXXX. {$200.00} XXXX. {$100.00} XXXX. {$100.00} Total- {$1500.00} I filed 2 claims which were the same incident just multiple occasions in a row and I it was also double charged on some of the above. This took place at the same business and same atms by I'm guessing the same person. The bank awarded me 1 claim which was the smallest of the 2 and denied my other but both were on the same dates and same place so my question was how would you agree with me on 1 claim and not the other.? I never received an answer from that institution they just continued to close down my account.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (CT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I first started with country wide and was in the negative arm loan. Then was sold to XXXX XXXX XXXX and i fell behind in payments. In XXXX XXXX XXXX XXXX had to offer me loan modification due to the mortgage debt settlement. They offerred me a trial modification then after i sent first payment they sold my loan to nationstar in attempt to wipe their hands clean and not have to comply with the settlement. 

My XXXX XXXX XXXX loan was transferred to Nationstar on XXXX XXXX after I agreed to a modification. I tried to send a payment to nationstar but my it wasnt accepted and in fact the payment I sent XXXX XXXX XXXX was returned. I called several months asking when can i make a payment and was told to wait until they receive documents from XXXX XXXX XXXX. On XXXX and XXXX XXXX, i received loan documents from nationstar that had a XXXX payment balloon of over XXXX. I told them this not same loan as XXXX XXXX XXXX, please let me know why theres a balloon payment before I sign this modification. Till this day, I have n't gotten an answer. I have contacted Nation star every single month. Then I get a notice of default so I gave in and they sent modification documentation. I agreed and they open a case for mod in XXXX XXXX. I 've been trying to send over modification documents to nation stars and now they are saying that the investor will not allow me to modify. In addition, they gave me a number for point of contact, XXXX XXXX who never calls me back or work on my case. All I want is fair treatment and for them to honor the XXXX XXXX XXXX loan documentation without balloon payment. If not, then at least give me opportunity to apply for XXXX program since they offered it to me. I also sent over my XXXX XXXX discharge papers from XXXX and asking to see if I was qualified for SCRA benefits and I never got response.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NJ)

Due to my father 's illness in XXXX, l traveled to attend to his medicat and financial needs and upon my return to the XXXX, l was informed of his sudden demise XXXX weeks after my return to the XXXX. 
I attempted to pay all my bills as usual on time. 
America Express called me several times and even during the funeral and l had to step out to explain to them, upon my return, l made the payments. 
Allnof the sudden, l started receiving more demands to make more payments and the straw that broke me completely was a request to pay {$1200.00} within XXXX days after my interest rate was drastically higher. 
All efforts to explain to them fell on deaf ears. 
This is a trying period for me. Having to foot all the medical bills and funeral costs and trying to make my mortgage? 
The treatment was inhumane. 
Pls help, l do not know what to do, and do not have an extra {$1200.00} laying somewhere to pay. 
I just got back to work and making my other bills. 
I do not think it is fair to have the interest jerked up like that and for them to demand such a huge amount seems appalling and victimization of a consumer against a giant such as American Express. The card is supposed to be for emergency and that is what it was used for. A back up in time of trouble. 
Now there are the trouble. 


Thanks XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (NY)

I purchased an RV and took out a loan with Bank of the West. The loan was sold to BMO Financial. After making several payments i noticed that all of my payment was going to interest only. I have called BMO and they said i have to pay all of the interest first then the payments go to principal. This is not what the terms are for my loan. I am unable to speak with anyone at BMO that will resolve this issue.