davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I paid my balance in full after interest in fees were assessed. The company then added additional interests and fees that were not actually residual interest since the balance had been XXXX well after the payment was made and the balance was brought to XXXX. When inquiring with the company if they had the correct billing address and email address I was told they had an email address I've never provided. When I mentioned that my account may have been hacked or there is an internal error regarding the balance I was spoken over and nothing was resolved. The current company representatives do not seem to be aware of legal requirements for credit card companies and claim they had no way to put in a fraud report.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, I logged into my bank account. I saw Chase had taken {$1300.00} out of my checking account I had not authorized. I called chase and spoke to someone who barely spoke English. I was told Chase could take an extra mortgage payment if they wanted to. I told woman, no I didn't authorize a {$1300.00} mortgage payment. I paid {$1100.00} on XX/XX/XXXX or XX/XX/XXXX. She stated, Yes, I see that. I told her the money needed to be put back in my checking account. She stated it would take 5 days for Chase to decide if they were going to give me my money back. I told her unacceptable and asked if Chase was going to pay all fees I was going to incur? She asked what fees. Told her I have other bills Coming out this month and Chase took my money. I was told I could transfer money to cover bills. It's not Chase 's fault or responsibility if I don't have money in my account. I told woman it is Chase 's fault. I did not authorize any money other than {$1100.00} for Chase to take out of my account. She then told me she'd escalate case and I'd know in 2 days if I was getting money back. Also, woman stated multiple people had called today with the same issue and she believed it was an online payment issue. I did ask for proof I authorized Chase to take {$1300.00} out. Woman refused to answer and told me I'd have to wait for Chase to decide if they were giving me my money back.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AL)

XXXX XXXX XXXX  refuses to work with me. I have a financial hardship that has prevented me from making on-time payments. It's nothing new people not showing me any mercy or grace. Now they are sending me threatening voice mails. I have made a payment arrangement on XXXX. My payday is on XX/XX/. Not on XX/XX/. I can't help that. I don't get paid on the XXXX of the month.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Our port of call, XXXX XXXX was at XXXX XXXX XXXX XXXX 
XXXX and his partner, XXXX, with Diamonds International ( XXXX ) were onboard recruiters for XXXX. My wife, XXXX XXXX and I were VIPed off the ship to the XXXX site. 

Here, it was divide and conquer timeshare sales on steroids. I regularly interjected to ask what are we doing and was regularly shuttled away, sometimes with a XXXX Label pour. As I was facing mandatory retirement in 5 months, I relented and agreed to buy a XXXX timepiece as a retirement watch {$3100.00}. Late in the afternoon, the ships about to leave, we raced for the ship. Only to realize later that I bought a XXXX watch, {$7200.00} which I returned at the next DI port, XXXX. My wife, unknown to me, had purchased on credit a XXXX XXXX. 

At this port, apparently I was duped into opening a line of credit ( $ XXXX ) with Comenity, Syncrony bank? I dont know how theyre related.One needs a forensic accountant to figure it out. At this port, my credit ( XXXX ) prior was under XXXX XXXX XXXX XXXX, at XXXX, the XXXX was dropped. Same person and address, no XXXX XXXX used my credit and her signature to rack up unknown sales to me and my credit. 

XXXX XX/XX/XXXX I successfully return the $ XXXX XXXX XXXX and receive an email from a manager acknowledging. But there was blood in the water and they attacked in XXXX. Here, XXXX womens rings, XXXX bracelet and XXXX earrings totaled {$58000.00} Unknown to me. Again, using my credit and her purchase signature. Here, another DI account was started, without the SR Am quite sure that I agreed to nothing other than the XXXX. There was also about XXXX hrs of phone jostling about credit or credit breech, In XXXX I have no clue. 

Again, a sprint for the ship departing. After XXXX, we are at sea til XXXX. My wife wanted to stay out longer on Friday XX/XX/XXXX. I was awakened early am XXXX by her return and some verbal conflict. I fled the cabin and she called security. I returned to cabin about XXXX mins later as XXXX security guys were escorting her and belongings to secret cabin. 

I thought I XXXX be arrested upon port arrival. I Was not. Both filed dissolution XXXX motions over the next 4 days. We have both agreed to drop rtos and divorce. 

XXXX and their accomplice XXXX, CATAPULTED XXXX towards divorce. Fraudulent, predatory, malfeasant lending. They are PIRATES, different ports, jurisdictions, etc Ive just now maybe, saved my marriage such that I can try to remedy. 
This is racketeering ( XXXX ) activity. Class action worthy. 

I hope that you can assist or point us to someone who will Best regards XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 2024-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (NY)

In mid-XXXX I received a call from Harris and Harris for a XXXX XXXX doctors bill they said I owed from XX/XX/2023. I answered the call and told them that it was with my insurance company ( XXXX ) and I was waiting for XXXX to pay its portion and I would pay the remainder of the claim when notified by XXXX. On XX/XX/XXXX I paid XXXX the balance of what was my responsibility to XXXX XXXX through XXXX 's online payment. 

I receive debt collection calls on a bi-weekly basis as well as monthly letters telling me I still owe the payment. I have spoken with Harris and Harris 4 times to explain that it was paid and that they needed to review their info with XXXX  XXXX. On XX/XX/XXXX I spoke with Harris and Harris again, and told them to stop harassing me, that XXXX  XXXX had received the payment ( I can see it on XXXX ) and that my XXXX claim shows I paid the entire balance off months ago. I sent two emails to Harris and Harris with the XXXX claim, proof of payment and XXXX XXXX XXXX balance. I have owed nothing since early XXXX. 

Today I again received a letter and, again called. This is harassment. Many people would just pay this and therefore pay twice - Harris and Harris is trying to collect money that is not owed and profit from their harrassment techniques.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (AK)

Last XX/XX/2023, I applied for a balance transfer from Citibank XXXX XXXX Card to XXXX XXXX using the citibank 's mobile app. In the app, I can either enter the card number or scan the card where I will have to transfer the balance from and so I chose scan card to make it quick. After I click scan, it automatically send without showing the account number where the balance will be transferred. I thought that the account number that was registered during the scan was correct. So I waited for a day and it was approved on XX/XX/2023. So I checked my XXXX XXXX credit card if it showed the balance transfer but it didn't so I chatted the citibank online bot and it said I need to wait for a day or two to reflect. So on XX/XX/2023, I called the customer service to inquire about my balance transfer why I was already charged in my citibank account but it didn't show in my XXXX XXXX card. So the agent checked the account number where the balance was forwarded but he found out there was an error in the number. I tried asking for the account number, he did mentioned a 9 instead of a 6 but I am not sure. So, I requested for a reversal of the balance transfer. He said they will conduct an investigation and that they will contact XXXX XXXX, too. I have tried calling several times and every time, I have narrate what happened and that they will again tell me that they will initiate an investigation but until now, it wasn't resolved. 
The balance transfer was in the amount o f {$1500.00}. I hope you can help me get back the amount back to my Citibank credit card. I tried asking other agents to provide me the wrong account number where the balance was transferred but Citibank customer service said they could not provide the account number where I have sent the balance. They are reluctant to help me get the amount back to my account in Citibank. I called AMEX but they said, they could not help me because it is not showing in my AMEX account and that only Citibank can help me because they are the only one who got the wrong XXXX XXXX account number where my balance transfer was sent to.
Consumer complaint received 2023-05-10
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. (TN)

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of fraud and have been without {$540.00} for over three weeks. Two fraud transactions posted to my account. These transactions were made in a city over 2 hours away from where I was located at the time. I was at work during the transactions in XXXX County, the purchases were made in XXXX XXXX County. I provided BofA my work schedule and my credit card statements that clearly show I was in XXXX  County. This has been extremely frustrating and has caused a financial hardship. 
The first fraud transaction was charged ( {$180.00} ) on XX/XX/2018, but did not bpost to my account until XX/XX/2018, and the transaction posted without any notification to me. I have notification alerts with BofA. 
The second transaction was charged ( {$350.00} ) on XX/XX/2018 but did not post to my account until XX/XX/2018, and like above, I did not receive any notifications. 
I noticed the fraud transactions on XX/XX/2018, and immediately reported the fraud to BofA. A customer service rep at BofA stated the card was used legally by manually inputting the card number. The rep stated the fraud was reported and my money was credited back to me. My debt card was closed and a new card was delivered to me. 

On XX/XX/2018, I noticed BofA decided to withdrawal the money out of my account that was previously credited. BofA sent a email and letter prior to taking the money but I was out of town and missed the notifications. 

I contacted BofA on XX/XX/XXXX, to disputed the descision. I was told I could not be transferred to the investigator who handled my case, and I could also not have his name. I was told I can request to have the investigator call me. I made the request and waited 48 hours without any notification. I contacted BofA again and submitted documents that show the charges are fraudulent. I provided my work schedule that shows I was at work, and credit card statements that show I was in XXXX County during the times of the transactions which took place in XXXX XXXX County ( over two hours away ). 
As of Saturday, XX/XX/2018, I have no been contacted. Additionally, my account was charged a fraudulent charge of XXXX dollars on Friday, XX/XX/XXXX, which was resolved today, XX/XX/XXXX. 

I again requested the XXXX dollars be returned immediately, as its clear my account has been compromised. I have still not received any notification..
Consumer complaint received 2023-05-10
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-12-15
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AZ)

Yesterday I contacted your company to ascertain the nature of your complaint. I was made aware when reviewing a XXXX notification that this same century link debt had been handled by another collection agency which subsequently withdrew their claim. Your representative said century link claimed I owed {$210.00} from a XXXX closed account. I disputed the claim and stated I wasnt even aware of century links claim until I saw the XXXX notification. I pointed out trying to locate a XXXX year old statement and then tracking down payment information for such an old debt was reason to just pay the claim but I wouldnt pay for a bad faith claim. I said I would give more thought to the situation but I wasnt inclined to make the payment without proof the debt is owed. 
Today ( XX/XX/XXXX ) my stepmother informed me had been contacted by trans world on multiple occasions ( including yesterday XX/XX/XXXX ). My stepmother is grieving the loss of my father who recently passed away. Having a debt collector harass my family over a disputed debt during a period of deep emotional strain is simply cruel and abusive tactics. I believe trans worlds conduct violates the rules established by Congress to protect consumers. I am asking this agency investigate my complaint and take the appropriate action to compel trans world to stop using such abusive and unconscionable tactics.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

We purchased a product which was financed under a promotion that qualifying payments would not incur interest charges. Once the product was purchased, we enrolled in auto-pay for an amount recommended by the lender. Without notice, we received deferred interest almost doubling the amount owed because the time period for the promotion had expired. I received no emails nor notifications warning of the deferred interest. Had I known the proposed amount for auto-pay was insufficient to pay the balance in full before incurring interest, I would have upped the amount paid monthly.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

Vehicle was purchased in city where I do not live. Wasnt present for purchase and isnt sure how this transaction took place exactly but I was not apart nor did I sign any documents. I have filed a police report pertaining to the matter which I was advised by a relative that my sister XXXX XXXX possibly used my info. I filed report of identity theft with her listed as possible suspect. At time of purchase I had open loan with XXXX XXXX which I drove an XXXX XXXX XXXX. I presented all required documentation to Santander for investigation which they are stating that they will not remove from my credit. I have disputed report but nothing is changing. I was also an employee of Santander call center which I had to list my vehicle for registration to park on property, Ive asked for them to pull that information from their Human Resources dept but they refuse to. Also address listed of purchase Ive never resided there which due to purchase it was added to my credit.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NV)

On XX/XX/2023 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (NV)

On XX/XX/2023 CEDAR BUSINESS SERVICES added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA CEDAR BUSINESS SERVICES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.