davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

This Comenity account was opened at XXXX in XXXX XXXX CA XX/XX/2022 with a balance of {$290.00}. That same day I attempted to pay the entire balance through the online system but was told I couldn't because the online account hadn't been created yet. I wanted to avoid any possiblity of late fees so after many hours on the phone that day, a supervisor suggested I mail a paper check for the entire balance. I did so and that check was cashed by Comenity on XX/XX/2022 ( bank statement attached ). Apparently, internally within Comenity, the money was posted to the wrong account and they started charging me late fees. The money did not reach the correct Comenity account until XXXX of XXXX. They continue to charge me late fees and finance charges despite having the entire balance received within 18 days of the account being opened. I have made approximately 10-15 phone calls and sent approximately 10 emails including the bank proof that they cashed the check on XX/XX/2022. I have asked many times to speak with a supervisor but repeatedly get disconnected in the transfer or left on hold for hours. The online messaging system has been equally unproductive. I am also enclosing the email conversations I have had with Comenity. I have closed this account but it still has a balance due from inappropriate late fees.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Related to Amex XXXX account ending in XXXX Amex pressures consumers to enroll in XXXX XXXX XXXX. I was told by multiple reps over the last XXXX months to enroll. They encourage with a no interest offer. 

I enrolled because they badger me so often and tell me that as long as I pay my balance in full I won't pay any interest ( lie ). 

I then realized in the beginning of XXXX that I was in fact charged interest because they just made my statement balance due as XXXX} and they put all my purchases in a special XXXX XXXX XXXX balance that incurs interest. Fine. No problem I get they're trying to make money even if I think it's morally wrong I don't decide things. So I call and I explain the situation and have XXXX XXXX XXXX turned off and ask for the fee to be refunded. They say they'll do it. Great. 

But then I check my balance again today and XXXX XXXX XXXX  another XXXX XXXX XXXX fee even though I paid my balance in full. Now this is just XXXX. I will call again but deceptive marketing is XXXX thing. This is XXXX. If I'm being treated this way and I'm fully comfortable calling and making a fuss I can't imagine how they're treating XXXX and XXXX income people that don't feel as comfortable calling and speaking with a large fortune XXXX company. We need to hold these companies accountable and Amex has gotten away with stuff like this for too long.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. 
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC (GA)

I closed on a conventional mortgage in XXXX of this year. The first payment was due on or before XX/XX/2024. I mailed a payment to the first servicer on or about XX/XX/2024. It was apparently received on or about XX/XX/2024 ( see notation on the front of the check ) ; however, it did not clear my account until XX/XX/2024. 

In the interim, I received notice that my account had been transferred to XXXX different servicers : XXXX and then XXXX serviced by ServiceMac, respectively. XXXX initially falsely advised that they would not be able to cash the check. To ensure that I timely paid the first payment, I submitted another payment through the electronic payment portal of ServiceMac on XX/XX/2024. ServiceMac applied that payment to the XX/XX/2024 due date. 

On XX/XX/2024, the initial check cleared by bank. See attached. So, at this stage, I had made XXXX mortgage payments when only XXXX was due. I phoned ServiceMac about the additional payment by check that XXXX cashed. ServiceMac told me to give them 30 days for that payment to be transmitted by XXXX to ServiceMac. ServiceMac asked if I would like for that payment to be applied to the next XXXX due ( XX/XX/2024 ) or principal only. I requested that it be applied to principal only and said I would make another payment before the XX/XX/2024 due date. 

On XX/XX/2024 I made another payment through ServiceMac 's online portal. ServiceMac initially credited that to the next payment due, which was due XX/XX/2024, as they should have done. See attached statement. 

On XX/XX/2024, I emailed XXXX to advise that, contrary to what they had told me, the check had been negotiated by XXXX, yet the payment had ( evidently ) not been sent to ServiceMac. I asked for an update. I received no response. 

Today, XX/XX/2024, I logged on to ServiceMac in the hope that my balance would be updated to reflect the XXXX payments that had come due and been made and the additional payment by check to principal only. To my shock and horror, not only is ServiceMac still not showing the third payment by check- they are showing that my account is 13 days past-due! 

It appears that they reversed the credit for my first online payment on XX/XX/2024. That makes no sense. All of this is incredibly disconcerting and troubling and unacceptable. The failure to credit me for the initial payment by check is also costing me interest. 

I am a relatively sophisticated consumer. This is unethical, wrong, and could easily place someone less savvy in a bad position. At any rate, I should not have to police their records.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (VA)

I am writing to file a formal complaint against Navy Federal Credit Union regarding their refusal to close my checking account and provide me with the necessary funds. Despite my repeated requests and adherence to their stated procedures, Navy Federal has failed to comply with my reasonable request to terminate my account and issue a check for the remaining balance. I believe their actions are in violation of the following codes and laws : 1. Regulation E ( Electronic Fund Transfer Act ) : Navy Federal is required to comply with Regulation E, which grants consumers the right to initiate the closure of their checking accounts and receive the remaining funds. As per Section 1005.10 of Regulation E, financial institutions must honor a consumers request to close an account and promptly provide the available balance. 
2. Truth in Savings Act : Under the Truth in Savings Act, financial institutions are obligated to provide accurate and transparent information about the terms and conditions of their deposit accounts, including the procedure for account closure and disbursement of funds. Navy Federals refusal to close my account and issue a check for the remaining balance contradicts the principles of this act. 
XXXX. Consumer Financial Protection Act ( CFPA ) : The CFPA grants the CFPB authority to enforce federal consumer financial laws. It includes provisions to protect consumers from unfair, deceptive, or abusive acts or practices by financial institutions. Navy Federals refusal to close my account and provide the remaining funds may be considered an unfair or deceptive practice under the CFPA.

I have made multiple attempts to contact Navy Federal through their customer service channels, providing them with all the necessary information to facilitate the account closure and the issuance of a check for the remaining balance. However, they have consistently disregarded my request, leaving me unable to access the funds in my account.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am in receipt of my dispute results with your company through the medium of mail. I disagree with your findings. My credit report is to be fair across all three major credit reporting agencies as result you will come into compliance with XXXX findings that will be attached to this complaint.
Consumer complaint received 2023-01-09
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. (NV)

MY NAME IS XXXX XXXX XXXX AND I AM NOT AN XXXX  OR HAVE I EVER BEEN INFLUENCED BY XXXX. Equifax had a data breach and I was affected. my information was exposed to different companies including a company in Texas called XXXXXXXX XXXX. Equifax was reporting An account from this company stating that I owe them {$1400.00}. I had no knowledge of this company And when I reached out to the company XXXX XXXX  to resolve this matter, they was not sure how my information was MIXED UP WITH ANOTHER PERSON in their system. After I submitted an identity theft complaint, I disputed the information to Equifax and it took MONTHS for them to take any action into removing the account immediately. Although the XXXX account was deleted, I was still affected by them reporting this account on my credit report and was denied credit based upon the inaccurate information on my report which was not fair to me what's so ever. As a Federally protected consumer, My privacy rights have been violated and under the Fair Credit Reporting Act that is a violation.
Consumer complaint received 2024-04-14
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: CITIBANK, N.A. (CO)

I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX Bank CBNA XXXX XXXX  XXXX XXXX XXXX Bank None of which I permitted my credit be used or ran.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Tried depositing checks into my account. The ATM froze and crashed in middle of the transaction, holding my checks. 

Bank can not start a claim or issue a credit without me telling them the amounts on the checks. I dont have the amounts because they re stuck in the ATM. 

Now I dont have my money or checks, bank refuses to help me in any way. 

ATM ID XXXX or XXXX. 

Happened XX/XX/2023 in XXXX XXXX at XXXX XXXX XXXX location.
Consumer complaint received 2023-01-09
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: SYNCHRONY FINANCIAL (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 US 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 XXXX removed a delinquent account from my report due to improper reporting on an account. On XX/XX/2023 at account was put back on my report. It is XXXX 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

XXXX is reporting XXXX inaccurate late payments for the JPMCB account XXXX. These include a 30 day late payment posted. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (GA)

CARVANA violated consumer financial protection laws including engaging in unfair practices, deception, and abusive acts. CARVANA has violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. CARVANA REQUIRED a down payment in order to extend credit which is illegal according to 15 USC 1662 - illegally mixing credit and cash in a consumer credit transaction. CARVANA did not offer insurance and only required I provide insurance before the delivery of the vehicle that was purchase. Insurance is suppose to be included in the finance charge as the sum of all charges according to 15 USC 1605 Determination of Finance Charge. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. Car loan labeled as a Retail installment contract and security agreement which is a credit application. Violations : 15 USC 1692e misleading representations. 15 USC 1692j - false & deceptive. 15 USC 45 - unfair Methods of competition. 15 USC 1602 - multiple violations. I have no obligation to a breach of contract due to The Truth and Lending Act. CARVANA willfully violated provisions of Truth and lending Act. CARVANA is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

There are two credit cards taken out through Bank of America on XX/XX/2020. One was for XXXX XXXX and the other was for XXXX XXXXXXXX. I never applied for either one. Ive contacted Bank of America and I am filing a police report with my local police department.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX XXXXXXXX, Amount : {$490.00} 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction.

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. 1781s-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 2023-06-17
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: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but t I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.hey 're reporting me as late.
Consumer complaint received 2023-05-19
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 XXXXXXXX has violated my rights. Or 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 XXXX 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One to help me figure out my points in my credit bureau. The only reason why I have a negative points on my credit bureu is because capitals ones customers service center in XXXX XXXX offered a credit card to me, which he said it would be monthly payments. An emergency came I used an amount of XXXX dollars when I tried paying my monthly they told me that I have to pay that XXXX in full, that is not the agreement I agreed to get the credit card. capital one called and said that I have to pay the full amount so at that time I couldnt make full payment and they put a bad point on my credit bureu their customer service lied to me to just to get me to sigh.when I confront capital one customer service said there isnt any notes how they explained to me about the monthly payments, I called back, I feel very unheard and hurt by the way, Capital one has treating me being that I am cooperating to pay the full amor of XXXX. I called one last time and they want to, be very aggressive with theyre speaking. They said they dont participate in figuring out a solution. They did not give me any options to figure something out. I tried working with them. I tried understanding what youre the agent was saying and it all does not make sense. I spoke to XXXX # XXXX she said I could not speak to anyone else she was in the highest position.