davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (SC)

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (OH)

I applied for an Apple Card but was initially denied. I was then offered to start on the path to the Apple Card program through Goldman Sachs. I completed the program and applied for the Apple Card and was accepted. The first time I tried to use the card was in XXXX to make a purchase and it was denied. I contacted the company and the only thing they would tell me is that my account was under a restriction and that someone would be in touch with me. I tried contacting them again a couple of months later and was told the same thing. I looked at my wallet app on the XXXX and it still says the same thing. I remember hearing in the news about a month or so ago that Goldman Sachs is trying to offload the Apple Card to another company. I have read on the internet that a lot of people have had this problem with no resolution ever happening.
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Shellpoint/New Rez sent a check in the amount of {$770.00} dated XX/XX/, stating there was an overpayment and that the payment moving forward would be {$1000.00} starting in XX/XX/XXXX  and then the statement for XX/XX/XXXX   indicates a payment required of {$1100.00}. The XXXX statement indicates the past month payment was not late however if you read in another area of the statement, it indicates a past due amount of {$1500.00}. 

Additionally, in the area for escrow, there is an amount of {$34.00} and it has for taxes and insurance, that should not be as all taxes and insurance are paid by the homeowner. The homeowner has paid their insurance and taxes independent of the Shellpoint/New Rez. 

There again seems to be some form of fraudulent behavior and extortion to obtain funds that Shellpoint/New Rez is not due.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

These inquiries are unauthorized inquiries on my credit report that i would like to remove. 

I am a victim of identity theft. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous address needs to be removed from my credit report.
Consumer complaint received 2023-11-26
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: DISCOVER BANK (TX)

An on-line item was orderd from XXXX, and paid by Discover. 
Item was never received. XXXX  provided XXXX shipping information stating that the package was dropped off at our building during the weekend. 
The entire building complex is closed on the weekend. 
XXXX has mailed the item with regular mail. 
XXXX can not help me since I am not the sender. 
Discover is stating that I must file a claim with XXXX despite the fact that I can not. Discover it is not honoring their credit card advertising commitment ; " Discover cardmembers have a {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Card account ''. 
After speaking with Discover customer service earlier today, I cancelled my card that I had since 2008, and they are not willing to assist.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

I called Valley Bank requesting a rewards redemption check. Their representative said the points had expired and that an e -statement had been sent to me notifying me to use them prior to expiration.

I have never opted into e - statements and did not receive one. I told them i always get paper statements and had never received any such written information about using or losing them. 
The bank rep said the account was switched to e - statements a few months prior but could not tell me who switched the account and could not rectify the problem.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$74.00}
Consumer complaint received 2023-11-26
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. (CA)

Hello, My name is XXXX XXXX. My complaint is with the company comenity NFL card through Bread Financials. They call me contacted at XXXX. 
On XX/XX/XXXX, I made a phone to the fraud department on two charges that were not mine through a company called XXXX XXXX XXXX charge of {$150.00} and the other charge was {$350.00} dollars. I told the representative that those charges were not mine and to cancel my credit card which they did. The representative told me to allow 90 days to resolve my case. the charges were taken off several days later. Now on XX/XX/XXXX, I noticed the charges were back in place again and called back that day to find out why these charges pop up again. They said that I will receive a resolution letter in the mail to explain why the charges where not taken off. The letter I received said that they were able to find no basis to support this claim. So I can the fraud department again on XX/XX/XXXX to find out and get an explanation on why I was denied. The talk to representative and only could provide that an email was sent and that the delivery was sent to my address. The problem is that they could not provide me the delivery date and tracking number to those items charged. Also i never received an email on XX/XX/XXXX or XXXX of a charge by XXXX XXXX of a purchase.I just upset that there investage did a sloppy and lazy job on my investage and trying to charge me over XXXX dollars with very limited information 's on my case. I would love for you guys to reach out to them about my case,. I still wanting for them to provide me documentation of the transaction which thewy have not so far. Thanks
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: EQUIFAX, INC. (NC)

It has come to my attention, the BANK, has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2023-09-13
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

My account, ending with XXXX on the Quicksilver card, had a 0 % promotional interest rate until XX/XX/. After this promotional period ended, normal interest charges would be applied to my account. My account 's cycle ends on the XXXX of each month, with payments due on the XXXX of the following month. 

To avoid incurring any interest or late charges, I diligently paid all recurring bills totaling {$3600.00}. I understood that since the XXXX falls after the cycle ending date, it shouldnt be an issue if I paid by the payment date, as confirmed with a representative previously. However, despite this, I received an unexpected interest charge of {$74.00}. 

Upon speaking with a representative and a senior advisor, I was informed that I should have paid the full amount by XX/XX/, which was my payment date for XXXX, to avoid incurring interest. Unfortunately, this information was not clearly communicated on your card app or website. It was only stated that payment should be made by the XXXX, without specifying the repercussions of not paying by the XXXX. 

While I understand the need to adhere to the agreed-upon terms, I am puzzled by the unexpected interest charges that were not explicitly outlined in my account details. Notably, I have consistently made all payments and never missed any deadlines. Therefore, I am dismayed by these charges. I also made all recurring payments on XX/XX/XXXX before XXXX XXXX  EST to prevent any further interest accrual, considering that XX/XX/XXXX falls after the XXXX cycle ending date, which is the XXXX of each month. 

Moreover, even if I have to pay the interest, what I am struggling to understand is that I'm required to pay the full 30-day amount of interest. Considering my promotional ending date was the XXXX and between the payment date of the XXXX, there were only three weeks where charges were incurred, not the entire 30-day period. Therefore, I kindly request a thorough investigation into this matter.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

They claimed to be from XXXX  XXXX XXXX fraud detection and said an account had been opened using my information and was making zelle transactions from my account and I had to enter cancellation codes into the zelle app so I was under the impression that what I was doing would cancel these transactions. They had me go into the zelle app and enter 'cancellation codes ' into the app which ended up just sending the money to XXXX XXXX . I did not authorize any payment as I was under the impression I was cancelling a transaction and they called from the official XXXX  XXXX XXXX number and provided me with personal information that the bank would have access to. I contacted my bank to get it reversed they said there is a good chance they will not be able to reimburse me, this was the associated case number : XXXX
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have automatic payment setup for Bank of America ( XXXX  XXXX ) credit card and I pay the balance due every month. 

Balance Due {$7800.00} XX/XX/XXXX  Payments and Other Credits- {$9700.00} XX/XX/XXXX  including automatic payment to Bank of America {$7800.00} XX/XX/. 

Overcharged {$1800.00} that represent credits received on the account on XX/XX/XXXX  and prior. 

Bank of American is getting a free loan in the amount of {$1800.00}. 
I called and was informed that credits are not counted against the balance due. 

All my other credit card accounts do not overcharge but correct the automatic payment amount for the credits to the account prior to due date.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SD)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment and 3 charge offs on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I have a credit card with bread Financial / XXXX XXXX. It was another credit card that was bought out by this company. I did not want it so I closed it and I paid off the statement balance. Then I get a bill saying I owed them {$4.00}. Called them to complain. Said they couldn't get rid of the interest fee. So I mailed a check as I had already closed the online banking and I did not want to pay their {$9.00} fee to make a payment over the phone. Apparently, they claim not to have received my check. I received another statement. So I called to complain and said I pay it on the phone if they waive the {$9.00} fee and while the statement said {$11.00}, the representative tells me I owe {$13.00} and change. Some nonsense about interest and blah blah blah blah blah. I was told I would not be charged more interest when I made the first phone call about the {$4.00}. She argued with me and told me this is what it is. I paid the {$13.00} and change and said now what are you going to do when you get my check in the mail. Oh well we'll apply it to your account and then we'll have to refund it to you. This is a load of nonsense. Just another way for a large company to bilk the consumer. I would never open an XXXX XXXX Account ever.
Consumer complaint received 2023-11-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (SC)

Authorized representatives : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Online Information Services Inc., are demanding {$340.00} Upon checking my credit report an unknown authorized representative of Online Information Services Inc., flagged my credit files with unverified collection activity on XX/XX/2023. 

The authorized representative of Online Information Services Inc., did not honorably submit their demand for funds/tender via the US Postal service to allow a proper dispute via their claim of {$340.00} I did not authorize Online Collections Service Inc. , a permissible purpose to access my social security number to damage my credit files.

Online Information Services Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received goods or services from Online Information Services Inc.

I am formerly requesting XXXX XXXX to provide contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to an authorized representative of Online Information Service releasing my private information.

The authorized representative of Online Information Services Inc., are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Online Information Services Inc.. , on behalf of XXXX XXXX at the expense of my private information being on display to whomever.

I am not a party to any agreements Online Information Services Inc., may or may not have with XXXX XXXX I am not responsible for Online Information Services Inc., purchase / transfer from XXXX XXXX. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Online Information Services Inc.

Online Information Services Inc., does not have permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety.

Online Information Services Inc.s reply outside of the CFPBs portal, must be delivered via the US postal service . If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX