davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

This is regarding a backdated interest charge from Comenity Financial/Bread Financial , which manages customer credit accounts for XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, I made a purchase online from XXXX XXXX XXXX totaling {$2100.00}. The promotion for this purchase was 18-month interest-free financing. The expiration date for this was XX/XX/XXXX. 

My due dates each billing cycle are on the 2nd. This falls 3 days AFTER the balance subject to interest was due. On XX/XX/XXXX, I mistakenly made my standard payment rather than the balance in full. 

On XXXX/XXXX/XXXX, I was charged {$950.00} in backdated interest that would have begun accruing from the date of the original purchase. 

On XX/XX/XXXX, when I had realized my error ( because of credit notification services I've signed up for ), I called Comenity and asked that they please remove the charge and in exchange, I would pay the entire remainder of the balance. They refused to work with me and claimed that they did not have the ability to do this ( which I know is not true ). I requested to speak with a supervisor and was told the same thing. Furthermore, they told me if I had called within 3 days, they could have removed the charge, but now that it's a week and a half later, they can not work with me. I called two additional times to try and correct the matter and I had no luck. 

Their method for reminding customers that a promotion is expiring is intentionally non-transparent. The XXXX statements have a notice with the date of expiration, but nothing else. Most other companies make it clear within the online account that there is an upcoming expiration, and they additionally send emails to make clear reminders to the customer. Many other companies no longer charge backdated interest when they offer a promotional interest period. They simply begin collecting interest on the remaining balance. 

This is highly predatory and is unreasonable, per the CFPB 's reasonable consumer standards. 

While I am aware that I would have entered into an agreement with the credit card company by nature of applying for the card and making a purchase, I do not believe that actions taken by Comenity are acceptable or fair for consumers, and their lack of cooperation has placed undue financial pressure on my family. 

Furthermore, I do want to make it known that Comenity has a strict late fee policy coupled with a time-sensitive payment deadline that is by far NOT industry standard. They require receipt of payment by XXXX XXXX XXXXXXXX on the due date, which I have never seen another credit card company do. They need to change this. This is not fair to the consumer at all.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Last year, I received a request to show up to court regarding a debt with Portfolio Recovery Services LLC. Apparently they tried to get in touch with me at an address I was not living at. 
Upon receiving the summons to show up to court, I noticed I never had an account with them, upon reviewing the papers, l discovered my name is incorrectly listed and I have no record of ever having an account with them. They have not provided me with any documentation stating I have an account with them. 

I have received these papers via mail today. The stipulation for payment is not even under my name.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( Experian, XXXX, XXXX  ), as well as the secondary companies XXXX and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I sent {$3100.00} from my XXXX account to a friend with account in JP Morgan Chase bank using XXXX. 
Due to the word XXXX in the transaction notes, Chase froze the funds and report it to the Office of Foreign Assets Control ( OFAC ). For several months we worked with OFAC until they issue a letter on XX/XX/XXXX, addressed to XXXX XXXX, Global Santions Dr. at JP Morgan Chase Bank, authorizing JP Morgan Chase bank to release the funds to the originator or originating financial institution. 
For more than a year now, I have worked with both, JP Morgan Chase bank and XXXX XXXXXXXX XXXX local branches, trying to recover the frozen funds without success. I also sent emails and certified letter to XXXX XXXX without any reply or response. 
This is our last effort to recover our money before filing a Small Claims Court case. 
I have suffered from the lack of knowledge and procedures on both institutions, XXXX and Chase local branches, on how to address this type of issues and help their customers. 
Hoping for the best.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 there was two unauthorized transactions on my account. They are two XXXX XXXX transactions one for the amount of {$400.00} and {$300.00}. I did not authorize these transactions and I want them investigated and resolved. I request that WellsFargo takes immediate action to rectify the situation and secure my account. I want them two look into who the received the money and how I have no idea who received that money. The {$700.00} that got sent was my rent money and now I have nothing. I did not authorize those transactions!
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (NY)

Hello : Undersigned has still not received his stolen funds of {$20000.00} even though M & T Bank promised return on XX/XX/2022. 

Please urgently investigate and advise. 

Kind regards, XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have sent them several letters telling them that are violating my rights and to cease and desist by reporting this negative information is violation of cease and desist everytime i see my report they communicating with me these letters were certified so they signed for them meaning they are ignoring the law i listed below " This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You have violated the FDCPA XXXX XXXXXXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. ''
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ND)

I recently filed a dispute with Chime Financial on XX/XX/XXXX in regards to XXXX unauthorized transactions from XX/XX/XXXX - XXXX. 

With the dispute ID of XXXX Chime denied my disputes after 10 days on XX/XX/XXXX. 

I got 3 emails from Chime : The first was in the amount of XXXX which Chime said no error was found and DENIED The 2nd was in the amount of XXXX Chime also claimed no error was found, DENIED. 
The 3rd email was in the amount of XXXX it says MERCHANT Error so they ACCEPTED The Fraudulent transactions began on XX/XX/XXXX but I never received any notifications from Chime until XX/XX/XXXX. 
I authorized 2 transactions thinking it was something on my end. 
Chime continued sending me fraud alerts up until XX/XX/XXXX and I DENIED ALL OF IT but the transactions was still going through. 
Chime was also approving transactions to go through that had unavailable funds. 

I called Chime a few days on XX/XX/XXXX to follow up with my disputes and a customer representative told me my disputes and being looked and assured me that my dispute will be approved and I will receive my provisional credits, al I need to do is wait After receiving the DENIED I immediately called Chime and was put on hold and after a few minutes the call was hung-up. 

I called Chime back and a dispute representative reopened my dispute. 
I uploaded my screenshots of the fraud alerts and me denying the transactions along with Chime authorizing transactions that had no funds..
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Ive been trying to use my card. It keeps declining,, Ive called they tell me it froze they cant tell me why, I call back she says it froze they trying to verify a check I cash, which they ask for someone to speak with I give them the numbers to XXXX XXXX now they tell me its not verifiable numbers to XXXX XXXX, Im not understanding this problem at all, I have {$1200.00} in my account already they place a hold dont let me get my money Ive called, Ive went to branch, they tell me everything is by phone. Really confusing, not telling me anything I have to do to solve these issues XXXX not understanding why all my funds is being on hold as well?
Consumer complaint received 2024-05-02
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: FC HoldCo LLC (FL)

it shows on my credit that on XX/XX/XXXX and XXXX, 2024 my credit was ran through several companies for either and auto loan or lease as i was reviewing my credit I saw these inquiries on my credit report
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am requesting to dispute an account on my credit report that has not been removed despite multiple requests. The account in question is listed as STATECU account # XXXX, and it is negatively impacting my credit score. I have made several attempts to rectify this matter by contacting both the credit bureaus and the creditor responsible for reporting this information. Despite my efforts, the account remains on my credit report, which is unfair and inaccurate. 
I would like to emphasize that this account is erroneous and does not belong on my credit report. I have provided evidence to support my claim and have followed all necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing the validity of this account.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (FL)

I received bills from XXXX XXXX for {$520.00}. I have never order anything from them. I tried to call to dispute, but I could never get them on the phone. Now I've received a call from a debt collection agency, Revco Solutions at XXXX, that I owe this money. Revco said that this was for shoes that were ordered. Revco said that they can't remove the charges due to fraud and I had to call XXXX XXXX who reported it. 

I called XXXX XXXX, XXXX, to report this as fraud. 
XXXX XXXX and told me that I have to call the Debt collector to report this as fraud and gave me XXXX to call for the Debt collector. This phone number automated system asked me my age and tried to sell me on a product I don't need. XXXX XXXX did tell me that this order was for four bottles of XXXX XXXX and it was shipped to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I live in Florida and am far to old to wear cologne, let alone one that sells for that much a bottle..
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (GA)

Woke up at XXXX on XX/XX/2023 receiving emails about a credit card being opened and approved in my name. This was false as I did not open a credit card. The individual was attempting to make changes with the contact info and whatnot. I am on the line with Fraud Support, but chase made it very difficult to speak to someone as you need the account information to speak to them and I did not have it.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a payment of {$50.00} on the XX/XX/2018 in the afternoon.They didn't credit my account until the next day causing my payment to be late. I was charged a past due fee of {$25.00} on XX/XX/2018 which is my due date. I called XXXX XXXX XXXX  Quicksilver and they would not credit my account.
Consumer complaint received 2018-08-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Immediate Credit Recovery (NC)

Had an agreement with Immediate Credit Recovery. We had an agreement that I would pay {$5.00} per month for 10 months and then the debt would either be consolidated or reviewed. Tried to send in documentation stating that I was not financially able to pay. The next thing I knew my wages were garnished, now I only have {$800.00} every two weeks to pay my mortgage and my bills. This will put me in a financial bind. I received no mail documentation that my wages would be garnished. This is an old debt and I should not have to pay a 3rd party for a loan that I did not sign originally with
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

This is XXXX XXXX, in XXXX  i got a loan from ( XXXX XXXX XXXX XXXX XXXX ) for XXXX  purposes. Initial loan was for around {$3200.00} I have been making payments with the intention to paid off in XXXX year ; however due the economic downturns i could not paid off the total balance of the debt within XXXX year. 
So in XX/XX/2023, I received the Alphaeon Credit new statement showing an interest amount of {$900.00}. The debt increased so much for me to make payments.

I called Aphaeon credit office in XXXX, but they stated that they can not help me with the reduction of such high interest amount, I offered them to paid off the total balance if they removed the high interest amount, but they refused they said i can do something like filling some document for extreme hardship request. so please help me to reduce at least half of that annual interest charged on my account. I will appreciated your help on this. than
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

There are fraudulent accounts opened by someone else being reported on my credit reports by XXXX XXXX via the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX, ChexSystems, XXXX, XXXX and XXXX, amongst others known and/or unknown at this time. The following accounts erroneously being reported by XXXX XXXX are not mine and are either the result of an error or identity theft being perpetuated by an unknown individual who has had physical possession of my identity documents since XX/XX/XXXX : XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Credit Card Acct. # : XXXX Additionally, these fraudulent accounts are being reported as well, which were not opened by me : XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX  Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX Additionally, the following seven inquiries are fraudulent and were not initiated by any action on my part : 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 2024-01-15
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: United PanAm Financial Corp. (NC)

THIS IS MY LAST ATTEMPT TO REQUEST PROOF OF DOCUMENTS ACCORDING TO 15 U.S.C 1681g. EVERY TIME I REQUEST DOCUMENTS THEY COME BACK WITHOUT PROOF AND STATES THAT THE ACCOUNTS ARE VERIFIED. 

Under FCRA 15 U.S.C 1681i all UNVERIFIED ACCOUNTS MUST BE PROMPTLY DELETED. 
Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my report ti 3rd parties is damaging my reputation and credit worthiness.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (AL)

On XX/XX/2024, a crimal background report was done on me for a job. XXXX  months ago the same company name XXXX did a criminal report on me and I had know problems being hired a company. I applied for a job with another company and they also used XXXX to do the criminal report. There is somebody by the name of XXXX XXXX whose showing on my report with my birthday and social security number. The address that's showing for XXXX XXXX along with the crimes he committed are also showing on my report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

In XXXX I reached out to Tennessee Bankruptcy XXXX. I was told by them that they do not report bankruptcy cases to the credit bureaus and that a third party by the name of LexisNexis was most likely responsible for reporting. I contacted Lexis Nexis and requested that they opt me out and remove this information from my reports. I told them that I would like a letter stating that they had removed any items that they are reporting since the bankruptcy courts do not share my information and they obtained this information without my consent The lady I spoke with stated that she was completing a complaint and would be turning out over to the investigation department and they would contact me once completed. It has been over a month and I have not heard back from them
Consumer complaint received 2024-02-09
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. (CT)

TRANSUNION HAS BEEN PROVIDED AN FTC REPORT AND IS REQUIRED TO REMOVE ALL ACCOUNTS DEMANDED UNDER 15 USC 1681s-2 AND FAILURE TO DO SO WILL RESULT IN A {$1000.00} FINE FOR WILLFULL VIOLATION UNDER 15 USC 1681k AND 15 USC 1681n.
Consumer complaint received 2023-10-23
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. (NY)

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  Account Number : XXXX Account Name : XXXX  XXXX XXXX L Account XXXX has violated my rights. Or a 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 2023-09-29
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX