davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I use a Mastercard for BJ XXXX purchases. I paid my XXXX amount due twice on the card managed by Comenity Bank. I immediately contacted Comenity and they confirmed my duplicate payment through the transactions on my BJ Mastercard in the Comenity system and said I was due a refund of {$530.00} for the overpayment.

I have contacted Comenity numerous times and have been advised that my claim for a refund was under investigation. I get periodic letters saying I need to furnish more information to support my claim when Comenity has already confirmed the overpayment and the Comenity credit card statement says if there is no activity on the account for 60 days, a
check will be issued for the balance in my Mastercard account. The only transactions on my account since XXXX were Comenity charges for interest on purchases which is incorrect since the purchases were paid in XXXX and late payment fees which are also incorrect. It is now well past 60 days and I remain unpaid.
Consumer complaint received 2023-07-25
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXXXXXX 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 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 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

At the end of XX/XX/XXXX I submitted the minimum payment on-time and during the 3 days processing window my bank approved another auto transaction that left my account short by {$1.00} and some cents. My account app for care credit stated I simply needed to make my next payment by the end of XXXX. I called in before the end of XX/XX/XXXX and the person refused to accept the XXXX payment amount. The company refused to allow for debit card payments that would avoid the 3 days processing window. And they lowered my account limit by {$200.00} with no advanced notice. And I believe they also submitted a negative report to the credit scoring bureaus. This was my first late payment on this account. I continued making on time payments. 

Then at the end XX/XX/XXXX the same scenario repeated. This time I contacted my bank and care credit to arrange payment and the rep said everything was noted in my account and I should be ok as long as I stuck to the dates we agreed on. However, care credit did not honor this verbal offer from the rep and closed my account. And hit my credit score hard. 

In XX/XX/XXXX I entered into a payment settlement with the arrangement to make 3 monthly payments. On XX/XX/XXXX I called into customer service to verify if the XXXX payment was set up as autopay or if I needed to make a manual payment. The rep stated I needed to make a manual payment, so I provided my debit card number. On XX/XX/XXXX, I checked my bank balance and saw 2 payments for the same amount made to care credit had posted on XX/XX/XXXX. One was a debit card payment and one was a check account withdrawal. I called care credit and the first rep verified that the rep on XX/XX/XXXX failed to look back far enough in the notes to confirm autopay was already in place for the XXXX payment due. That rep connected me to customer service to process the refund I am owed. The customer service rep stated the only refund option was to mail me a check within 20 days. I stated that was not acceptable for my budget and requested my debit card payment be reversed back to the card. They stated it was not an option and snapped at me that i " was the one who made 2 payments ''. Their tone was overtly condescending and I was shocked on top of already being shocked that a business would support such unprofessional defense of an error on their part. I corrected the rep and they faintly apologized but refused to offer any other form of refund.
Consumer complaint received 2024-06-20
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: Upgrade, Inc. (NJ)

I applied for and was approved for a card from Upgrade in early XXXX. Approximately XX/XX/XXXX I received an email thanking me for activating my card and then emails that day and the next with alerts regarding purchases on XX/XX/XXXX and XX/XX/XXXX. I immediately called ( XX/XX/XXXX ) and informed the company that I never received the card, never activated the card and that the purchase being made were not me. I responded to emails they sent regarding this activity providing statements to those facts. On XX/XX/XXXX i received an email indicating that the charges do not fit a pattern of typical fraud and they were declining the dispute. The charges on XXXX at XXXX  gas for XXXX and XXXX, on XXXX at XXXX XXXX XXXX XXXX and on XXXX at XXXX XXXX for XXXX and at XXXX XXXX for XXXX. These gas stations and restaurants were primarily in XXXX XXXX XXXX XXXX nowhere near me and certainly not places i travel to ( high crime areas ). I called again that day to dispute these items and their customer support indicated they were sending this to another department, and someone would contact me... that has not occurred. Additionally, I have filed a report regarding this stolen CC with the XXXX XXXX XXXX XXXX XXXX  station trooper XXXX XXXX. I received an email today indicating my account is past due and these charges are still on the account. Please help, these are fraud and no one is listening. I am attaching some of the correspondence to these issue.
Consumer complaint received 2024-04-03
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. (NC)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have Included screenshot Listed on this complaint and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks Please see screenshot attached
Consumer complaint received 2023-08-27
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 (GA)

The problem existed with a Bank America Credit card ending in XXXX and it was recently changed to a new card ending in XXXX. However, I was informed by you to reopen the case and I did. It was turned over to XXXX XXXX at Bank of America she thought it was a fraudulent activity that took place on XX/XX/XXXX. It was written up as a Fraud with the details that XXXX XXXX gave me to confer to the fraud department. My old card ( used in the fraud, ending in XXXX ) was instantly canceled and I was issued a new card ending in XXXX. The money was also refunded. I recently received a message from the bank stating the charges on the old card was made by me and I signed for the charges plus my PIN was used. I will contact the bank on Monday and XXXX XXXX because that particular card does not use a PIN or a Signature. I tried to contact the bank as follow but my email must be block : I read your letter concerning the account ending in XXXX associated with this new account number. However, the letter is inaccurate according to the information given. First : The old account ending in XXXX the information is inaccurate. The card did not have any PIN associated with it and no signature was required then and not required now. 
I have been a victim of Identity theft and apparently, it has been ongoing which can date back to the hacking date and scam date of XX/XX/XXXX. 
I recently had to reopen my federal credentials and federal papers due to a lack of the bank and law enforcement allowing information federally to become public information for scammers. I will contact XXXX XXXX of your bank about the decision of your choice because it has been acknowledged that someone tried and is trying very hard to be me but has no federal credentials for me. Consumer Finance.gov and CAC requested I reopen the case. XXXX XXXX of your bank said it was a fraud. 
You should have reviewed that account, and you would realize it requires no PIN or signature for any transaction. Therefore, you would have to show me my signature and my pin for me to accept your decision. If you can not show me this proof of agreement for the amount in question, I am returning to CAC, the Office of the Comptroller regarding bank disputes. 
I could not get the email submitted nor was I able to dispute the letter or do a rebuttal. I am not sure how to submit but the initial request to reopen this case was from your office and Office of the Comptroller of the Currency. Case # : XXXX I could not get into my account with your office.
Consumer complaint received 2024-01-05
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. (CA)

I have two issues with Experian. 

1- They are reporting accounts that should be deleted/blocked/suppressed as they are related to fraud. I have sent documents to them several times via experian.comXXXX and they keep telling me they dont have them.

2- They are reporting a bankruptcy that they should not be. I disputed it with them and they referred me to a third party company called XXXX. I contacted XXXX and they responded telling me they contacted Experian by Experian never responded. I also contacted the court associated with the dispute and the court responded saying the case is not mine.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by experian of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Loan amounts do not match across credit reports and are all inaccurate. 
Loan balance is inaccurate. 

The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.. This company have also violated my rights under 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
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (NJ)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX " Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801. 

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/XXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.
Pursuant 15 USC 680XXXX Account # XXXX x XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MD)

I recently opened a business checking account with Chase Bank for my XXXX XXXX small business. The first check I deposited was for {$3700.00}, on or around XX/XX/2023, which was payment from my first client. Chase proceeded to put a " Fraud Hold '' on the account while they verified and processed the check, locking me out of access to the account and only providing a hotline phone number. After calling the Fraud Department I was told that Chase has to contact the issuer ( " Maker '' ) of the check to verify that I, their client, have not committed fraud. To satisfy this verification process Chase told me that the Maker would have to provide a verified phone number that they can contact. 

I found this very odd because I have worked in financial crime investigations for 6 years and am certified by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have never heard of a financial institution contacting a non-client for investigations. If fraud is suspected a XXXX is filed and if a certain threshold of risk is crossed the account is closed, but the funds are returned to the client unless there is law enforcement intervention, or a civil hold has been placed. 

Through further discussions with managers in Chase 's Fraud Department I found out that they use a third-party screening tool, XXXX, to verify business contact details. The manager also notified me that the business from which I received the payment from did not have a verified number in the system and he was unsure of the process to add any information to the profile since it is a third-party tool. This began a series of circular conversations where they say they need a verified number, I ask how that would be possible since none exist in their system to confirm with, and they say it is not possible to add one. After one of these particular frustrating conversations the manager admitted that there is no way to reverse the suspension without following this procedure and that my funds will remain in Chase 's custody until the account is deemed dormant. 

I have begged them to just send the funds back to the Maker 's bank, XXXX XXXX XXXX if they view me as a fraud risk, but they refuse even after XXXX has requested on behalf of their client. My funds are being held hostage in an infuriating Kafkaesque spiral of bureaucracy. They will not even provide contact to their legal department for further dialogue outside of their Fraud Department. 

This was my first experience with banking in the small business world and it incredible discouraging that a financial institution has the power to extrajudicially seize funds under the guise of fraud protection, but does not even see fit to return the suspected funds to the presumed victim. This is nothing like I have ever seen in my many years in Anti-Money Laundering and frankly it feels predatory and targeted to small accounts that they feel will not have the resources to push back.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC (OH)

I reviewed my most recent credit report and after carefully reviewing it I seen some accounts that stood out to me that I didn't recognized. The account is a collection from Spring Oaks Capital LLC of XXXX I decided to dispute them XX/XX/24 and it first, came back as verified as accurate but no documents were provided to show the account is accurate or that we have an agreement of this account. I got a notification on XX/XX/24 that it was removed but then put back on. I do know that once something is removed from your credit profile it can not be placed back on. I will upload the letter and show when it was removed and put back on there. I also know that they have no license to try to collect a debt in my state as well.
Consumer complaint received 2023-12-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (MO)

XXXX XXXX XXXX is attempting to collect debts that are under {$500.00} from up to four years ago. That under the current Administration are to be forgiven, and not sought after by third party collectors. This company is attempting to collect on multiple debts infringing upon the current medical debt forgiveness under {$500.00}. I was also told via text message I was sent a letter in regards to these debts. I have never personally received a letter regarding these debts prior to my first received text message from said company.
Consumer complaint received 2023-12-09
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: Experian Information Solutions Inc. (GA)

The following hard inquiries appear on my Experian Credit Report. I demand immediate removal. 
I demand under the Fair Credit Reporting Act ( FCRA ) Section 604 : 1. Permissible purpose 2/ My WRITTEN authorization 3. Proof that I personally initiated the inquiry Under 15 USC Section 623 Experian has 30 days to do a reasonable inquiry into this matter. Either provide me strict proof or DELETE the items immediately. If you do not delete the following inquiries within 15 days, I will take legal action. 

DELETE THE FOLLOWING UNAUTHORIZED HARD INQUIRIES : 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 XXXX
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: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian regarding the removal of an incorrect address on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (IL)

I hereby declare that I have never applied for nor had any association with the account with the number XXXX with XXXX XXXX XXXX which was opened on XX/XX/2019. This account is fraudulent and its existence is adversely affecting my creditworthiness, I was fraudulently added to this account, I have not given my consent to be included on this account, my data was used illegally. I request that fraudulent account to be removed from my credit report. The Bureau is not taking my request seriously. Please contact them and request to have this account investigated. Thank you!