davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MO)

XXXX Opened XXXX credit card to receive discount on XXXX purchase. 
XXXX received statement saying I am late and there was late fee on top of my XXXX bill. 
Immediately went online activated card, paid balance in full, then contacted them saying I never received first bill and requested late fee credit which they did do. I received emailed payment confirmation showing bill paid in full with checking account ending in XXXX. 
XXXX received letter in mail saying my payment was returned and i was now XXXX in fees on top of my XXXX bill. I immediately went online paying bill with same bank account ending in XXXX in full minus XXXX in fees because there was plenty of money in account to cover the XXXX payment. I also closed my account at that time time because I felt this is a shady credit card, that is trying to scam me because they didnt send me the first bill charging me a late fee, then they returned my payment when there was plenty of money to cover my payment. 
Over the course of the next couple weeks kept calling them trying to get the returned check fee credited because that was an error finally I was told to reach out to bank XXXX  they were at fault which bank told me it was never presented for payment. 
XX/XX/XXXX XXXX As requested submitted proof of money in account which I submitted both my XXXX and XXXX bank statements, along with both the XX/XX/XXXX and XXXX payment confirmation showing bank account ending in XXXX and XX/XX/2022 account activation email. 
XXXX XXXX received email from Comenity Bank at 6 XXXX saying info received and forwarded to correct dept. 
XXXX XXXX even though I was told on phone that disputed amount dont require payment I still responded to that XX/XX/XXXX email asking that all is left on account is disputed fees, do I have to pay them to avoid more fees BC I dont want anymore fees or this effecting my credit score. I was told disputed amounts dont have to get paid. 
XX/XX/XXXX I received letter in mail saying I am a valued customer and to call them as soon as possible to resolve my issue. I called immediately and while waiting to get connected a recording told me my balance is now XXXX which is another late fee and not only that after asking for supervisor the senior acct specialist told me he can only remove the latest late fee which is the fee I got for not paying the disputed amount before the due date which is such a scam. 
Why did they tell me to call asap to resolve this only to be told my original dispute is no even though my bank statements show money to cover item and its an error. They said bank account number is one number different. They already knew that when they told me to send bank statement showing money in account. They did that to tack on another fee. This company is so shady.
Consumer complaint received 2022-10-28
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/XXXX I was selling an arcade on XXXX marketplace for {$100.00}. A guy was willing to pay me through XXXX and needed my name and email address, which I felt uncomfortable doing but apparently thats how you add people on XXXX so I gave it to him. He claimed he sent me the money but then I got an email stating that my XXXX account is not a business account so he needed to give me an extra {$400.00}, then I send it back. Since it was my first time using XXXX I thought it was weird having to do that but I figured that at least I wouldnt have to do it again. So I sent him {$400.00} but it was obvious in my bank account that my money left the account and no money came in. And then I got another email saying that I needed to give him another {$500.00}. I did not do it of course, but I called my bank to file a dispute. I got a letter in the mail stating that my dispute was denied because I had authorized it. Yes technically I did, but seriously, who intentionally pays scammers? Theyre tricky that way! I was also told to try to contact the guy to ask for my money back but his email is no longer active. And come to think of it I think he could see how much money I had in my account because I dont know how they would know how much money would be in or out of my account after all the transfers.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRASection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I filed a fraud claim on XX/XX/XXXX. This is the only claim I have ever reported on this card. I made a purchase for a couple dollars at a donut shop and my card was charged XXXX $ without my knowledge. I tried to contact the shop before disputing it with the bank and was not successful. I let the bank know this information and after reviewing my case they found this charge to not be fraudulent and having me pay it. This is the only purchase I have ever made a claim for. The fact that this bank can not help with something such as this makes me not want to have this card open that I spend lot of money on and pay good interest on.
Consumer complaint received 2023-01-21
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. (PA)

I suspect fraudulent hard inquiries on my credit report and I need them DELETED. I did a thorough investigation and did not authorize these inquiries. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Auto XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance XXXX XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXXXXXX XXXX  ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX ( Auto ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX
Consumer complaint received 2024-04-12
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: JPMORGAN CHASE & CO. (IL)

I have been scammed by some serious professionals. 

I purchased tickets from the XXXX XXXX for a play for {$170.00} - a company called XXXX managed to steal my personal information and make a charge for {$540.00}. I dont know how cyber scams work but they managed to do a really good job because Chase thinks its legitimate, even though it isnt. That is the goal of scammers, right? To make it look real so XXXX cant do anything about it. I was so scared that I finished my legitimate purchase through a private browsing window and called Chase right away to tell them I didn't make or authorize that charge. 

I tried emailing the company for the {$540.00} charge and told them I didnt make a purchase through them and I want my money back. They never responded. I tried calling, they never answered the phone. I called again today and they claim that I did make a purchase through them and that they sent me tickets. I did not make a purchase through them and they did not send me any tickets. All they did was successfully steal my personal information to scam me out of {$540.00}.
Consumer complaint received 2024-04-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MO)

I did stay in the XXXX XXXX apartments as a weekly tenant. I did not sign an agreement to be a tenant on a yearly basis and I left long before things change for me to be held accountable. The information the sent shows that someone was paying weekly in XXXX of 2021, well I was already living in the state of Missouri since XXXX of 2021. The debt does not belong to me, Ive tried numerous times to explain this but they are not being reasonable and want to force me into paying for an obligation I did not agree to. Ive been having trouble getting housing because of this, I searched for lawyers to pursue legal action but was told I was outside of the time frame to do so, I just want this removed.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MI)

XXXXXXXX XXXX XXXXXXXX called from this number ( XXXX ) XXXX telling me they are suing me for a debt they acquired from Citibank. The debt is very old and was discharged in bankruptcy over 10 years ago
Consumer complaint received 2024-02-23
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. (NJ)

I was looking at my credit report after a recent divorce and saw some items I did not give the credit reporting agency permission to share. Also since the divorce my address has changed and I need it updated asap. There have been issues wih my ex and I am addressing all things at this time. Please see my request attached
Consumer complaint received 2023-03-05
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. (GA)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXXXXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (IL)

Hello the company LOCKHART MORRIS & MONTGOMERY has violated the Fair XXXX Collection Practice Act by trying to collect on a debt not owed and by reporting an alleged medical account to all three credit bureaus. I spoke with a representative from LOCKHART MORRIS & MONTGOMERY on XX/XX/XXXX to get more details on an account this company reported as being in collections after being notified a new collections account appeared on my credit report. 

During my conversation with the representative, I was told the debt is from 2015 and is from an emergency visit to a hospital. I told the representative I never visited the hospital in question as my primary care physician is at another hospital company. The representative insisted I had visited the hospital but they had my address wrong. I was advised to call the hospital in question. When I called the in the alledged hospital I was accused of visiting in 2015 they confirmed I never had an account with them, no open or past debt, and they never sent any bill to collections. 

After speaking with the alledged hospital from where the debt orginiated, who then confirmed I never had any past due debt with them nor a record of visiting their ER service in 2015 I proceed to call LOCKHART MORRIS & MONTGOMERY and demand they remove the collection account from all XXXX credit bureaus. They refused stating the debt was valid. I asked them to provide proof of debt or a bill of sales. It's been XXXX weeks I have yet to receive this. They have never provided proof of this account belonging to me or how they got my information. 

In addition any alleged medical debt is not permissible to be reported to any credit bureau due to changes to the Fair Debt Collection Practice Act. Wisconsin also has a statue of limitations where debt older than 6 years can not be collected. The alleged debt supposedly originated in Wisconsin in 2015. The company has also failed to prove the debt is mines to begin with.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TN)

I did not apply for these accounts, I did not have access to the lines of credit. These are not my accounts. 


Appeared on credit report, sent letters to dispute accounts XXXX XXXXXXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 


XXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 

XXXX XXXX XXXX XXXXXXXX Dates letters sent : XXXX, XXXX XXXX Credit Amount : {$250.00} Sent letters stating this account is not mine, does not belong to me. No response.
Consumer complaint received 2023-03-02
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 (NC)

I submitted disputes with XXXX  and XXXX to have the account removed early via early exclusion. The creditor then updated the account status to only show that it was charged off and subsequently removed all late payments and on time payments. An account CAN NOT BE charged off if there were never any late payments. I have screenshots of previous reports. I have reached out to XXXX, XXXX, and Kohls ( capital one ). Capital one has said they are unsure why the payment history changed and are opening an internal investigation. This account is going to be falling off in XXXX and XXXX based on what dates each credit reporting agency has. I would ask that capital one or kohls please allow early exclusion of this as Im in the middle of a getting mortgage and the careless and frankly shockingly alarming error that Kohls ( capital one ) has made here has tanked my score by XXXX points for my regular XXXX  score and almost XXXX points for my mortgage score. If they didnt want to approve it being removed early via early exclusion then they should have simply said that and not tried to fix something that wasnt broken in the first place. This is going to mess up my entire mortgage application and Id like this fixed by either putting the payment history back to what it was or by removing this account from my report all together. Im not sure if at this point putting the payment history back to what it was would even remedy the amount this has tanked my score.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

I was called by a chime agent from chime phone number and I was told someone from XXXX, Texas just tried to charge my account over {$2000.00}. I was instructed to transfer my money to a 5 digit number because they had to close my account and they couldn't do it with money in it. He said he couldn't open a new account yet until that was closed. I did what I was told to protect my savings. Then after the phone call it shows I sent it to a name I don't know XXXX and my money never showed up in another account. It's just gone.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America charged me {$60.00} in fees & admitted to doing it purposely - They stated that these " cash advance fees '' are legitimate when they failed to close my two checking accounts & failed to provide a response within 90 days - They have been trying to run the clock out on the dispute period as there is no way to dispute these " fees '' on their website. 

They have openly admitted & refunded one charge out of the five. 

They also charged {$0.00} interest I had {$500.00} in my checking, which should have been issued to me when I attempted to close the account, instead the bank thought it would be necessary to lie & state that I " have overdrawn accounts '' This started XX/XX/2022 & I am extremely upset!
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF THE WEST (OK)

Over the last 2 weeks Bank of the West has been calling my work, every morning. 
They have NOT called my cell phone one time, not even once, nor have they sent me a default letter. 
On XX/XX/20 at aprox XXXX, I was finally able to get transferred to the dept that has been harassing the employees I work with. I asked why they haven't called my cell phone, they had no excuse. Had them remove my work number and gave them the phone number to my bankruptcy atty. 
At XXXX XXXX on XX/XX/20 they called my work AGAIN, the whole office staff yelled at me to answer the phone ( which is so embarrassing ) I did, I greeted them and guess what ... they hung up on me!!
Consumer complaint received 2023-03-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 2020-09-30
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. (NJ)

Over the past 6 months, my credit has dropped 70 points and then goes back up several weeks later. There is no reason for this drastic drop. I had a couple of hard inquiries but that would never make it go down that much. It continually is up and down drastically. Recently my bank account was compromised and I called transunion three times to get this issue resolved and no one helps me. They refuse to look into it and tell me to look at my credit report, which I have. I have been denied access to a supervisor there and was told they can not help me. There is no explanation for this drastic fluctuation on my report. I tried again today and they told me to call you because you have access to my credit. This is insanity and is affecting my getting a car loan and many other issues. Please. All my payments are made on time. I have not utilized all my credit and my status has remained the same so there is no reason for this severe fluctuation of my credit score.