davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

I made a payment to paypal credit card ( issued by Synchrony bank ) over {$1600.00} on XX/XX/2021. To this day they refuse to credit my payment. I have send them proof of payment from my bank and multiple times over fax, priority mail and email.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been banking with Bank of America for many years. I received a letter closing my business bank accounts ( 2 ) and 1 credit card. Bank of America has given me 16 days to close out any existing business. This puts an unfair hardship on my business. Currently I have 3 employees which I run payroll through the bank of america portal. I need more time to switch payroll companies. I believe the bank is retaliating against me and my business for previous history and is now causing damage to me and my employees.
Consumer complaint received 2022-10-03
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. (FL)

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 ) has violated my rights. 

account name : 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 Section 2 : it also states 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 fallowing 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 if the persons or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian responded to my complaint indicating that they need " authorization ''. So I called their consumer services numbers at ( XXXX ) XXXX XXXX and ( XXXX ) XXXX. Both did not provide me with human customer service. Instead I was given only two automated options and a statement that said " I can not connect you to any specialist right now ''. How am I supposed to given " authorization '' into a existing dispute when I can not speak to anyone? This is unacceptable. I have been disputing these accounts with them for over 45 days. by law they are required to delete the items I have mentioned.
Consumer complaint received 2021-08-30
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have attached documents that shows from XXXX  and XXXX  that I do not own this vehicle. The items I dispute on the attached copy of the report I received.The information onBRIDGECREST account number XXXX with a balance of BALANCE OF {$18000.00} isinaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This item has been removed from XXXX  and XXXX  after they have done the proper investigation. I am instructing you to remove this fraudulent account off of my FICO score. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MD)

I reported this issue to XXXX several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to XXXX. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

My quality of life is being drastically diminished because XXXX XXXX XXXX illegally bought my information from a company that I did not give my consent to furnish or sell my information which in violation of 12 USC 1431 ( identity theft ) they also violated law 15USC 1682 BY DISCLOSING MY PERSONAL INFORMATION WITHOUT MY CONSENT TO THIRD PARTIES.. I AM AWARE OF MY RIGHTS UNDER THE LAW AND THESE AND THE PROVISIONS IT PROVIDES TO ME TO EXERCISE MY RIGHTS AS TO THE CIVIL LIABILITY THESE COMPANIES FACE MY INTENTIONALLY BREAKING THESE LAWS REGARDING MYSELF OVER THE LAST SEVERAL YEARS. THEAE VIOLATIONS ARE NOT UNDER FCRA COMPLIANCE. THESE COMPANIES HAVE ALSO FAILED TO VALIDATE ANY CLAIMS MADE AGAINST ME SET FORTH BY THE FCRA AS TO THE VALIDATION OF INACCURATE INFORMATION .THIS INNACRUATE REPORTING NEEDS TO BE DELETED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THESE INACCURATE INFORMATION HAS BEEN DELETED/ REMOVED FROM MY REPORT.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a formal complaint against Portfolio Recovery located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian has an out-of-date phone number for my account, and an e-mail address that has been hacked ( and so I closed it ). Address is also out of date. I am able to log in, but can not change any of this information. When I try to change the e-mail the robot wants to call me ( it has wrong phone number ). When I try to change the phone number the robot wants to send verification to my email ( also wrong ). 

Again for emphasis : the e-mail that Experian has on file has been hacked. 

I called every phone number I could find for Experian ; they all give you the same robot. The robot literally hangs up on me. When I state the real problem it doesn't understand. When I use any of the options it gives me ( and I tried several ), it points me to online support information. I can't get a human being no matter what I do. 

The online support says I should write a letter to them, and include my name, social security number, address for the last two years, phone, email, etc etc ... ..more information than any sane human would send by mail. 

I didn't ask Experian to collect all that very sensitive data on me, I would rather they didn't have it, as they are incompetent. I am unable to do anything about that. But I really do insist that they protect my data much, much better. It should be a very simple thing to restore security to my account ; instead it is proving to be impossible.
Consumer complaint received 2024-06-13
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: CITIBANK, N.A. (NY)

I traveled to XXXX and booked and pre confirmed our room was a FAMILY ROOM. 
Reconfirmed on XX/XX/year> ( see reservation confirmation ). When we arrived a family room was not available and we were split up with the second room down the hall. 

I speak some XXXX  but am not profecient and it was very difficult to communicate my concerns the same way I could in XXXX. Additionally, this reservation was for the week of XXXX XXXX XXXX and trying to navigate the " translated '' booking web-sites was very difficult. Rooms were not readily available and I believe that the hotel took advantage of us as foreigners. If we were locals, I am confident that we would have received the room we booked. Instead we were given two separate rooms which was not what we reserved or paid for. 

My original dispute ID # XXXX was declined. I am re-asserting my rights to dispute this charge as we were not provided the room we reserved and paid for. Also, please read the attached documents which explains the dispute in more details, and how our door did not lock. 

I attempted to speak with hotel management but to my surprise was told no managers were in those days due to the holiday But certainly not an excuse. There should always be management readily available in case of emergency and not just working general staff. The next morning on XX/XX/XXXX, morning of check out we spoke to a lady manager and expressed all our concerns and problems during our stay and we were told they would investigate and respond. I still have not received a response or any communication. 

If we could have checked out we would have but understand that very few people speak XXXX in XXXX and we were stuck in this situation. We had to pay extra for some tours for XXXX speaking guides, and most hotel staff including front desk and the manager I spoke with at check out did not speak any XXXX.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

This complaint is about an XXXX store credit card with Comitity Capital Bank. I applied for the card in XXXX, XXXX and made one purchase. I did not receive a bill. I got the phone number to call from the actual store and I called for several days in XXXX trying to pay my bill and could not get through. When I finally got through on XX/XX/XXXX, I was told the computers were down and asked to call back later. When I called back, I was told it was after XXXX XXXX and my payment was officially late. Then I was told their policy was not to accept payments past XXXX XXXX and it was past that time. I was told that I would be charged a late fee. Then, the operator said it wasn't fair because their computers were not working properly. They took my debit card number to pay the bill then it would not accept it, saying it was not a debit card. Finally it took the card. I don't know what the problem was with their computers. Then, I was assured the late fee would be credited to me. I was told that he would credit a late fee of {$15.00} and I paid the balance in full. 

I received a call on XX/XX/XXXX from the credit card company. My balance is now {$65.00} and there was a payment due in XXXX, XXXX. The balance was due to a late payment in XXXX because I was not credited the full amount of the late fee and a late fee in XXXX for not paying the late fee in XXXX. I asked the company to correct it and refund the " late fees '' They refused to make it right. 

Then, I tried to pay the late fees balance with my normal bank card and I was told their system would not take the card because it was not a debit card. It is a debit card. This is also what happened before and it finally accepted the payment. Now I am suppose to call back later and try to make the payment again. 

The company is scamming people for " late fees '' making it difficult to pay them because of their computer problems and then charging fees. They are misleading consumers. Beware of the late fee charged after you have paid your account a few hours after the due date because of their computer problems. That late fee will also incur another late fee without notice. They are scammers. 

XXXX was the operator Her ID is XXXX Comitity Capital Bank Cust Service XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-12-04
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

Quicken Loans offered me a VA loan costing {$15000.00} to refinance my existing conventional loans of {$150000.00}. It was actually a bait and switch technique to get me to take their cheaper loan from another source. It was offered today at XXXX XXXX.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 at XXXX, I tried to unfreeze my credit with Transunion. After logging in and unfreezing, I received the following " The TransUnion Credit Freeze Service is temporarily unavailable '' and could not unfreeze my credit for an important transaction. I called Transunion at XXXX to initiate the unfreeze and was told there was a problem and they could not unfreeze my credit. No other help was offered by Transunion.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I was looking at my credit report and the company TransUnion is reporting an account in the name of XXXX XXXX XXXX # XXXX. The account has information, a lot of incorrect information. I requested investigation, re-investigation and made a complaint through this page CFPB XXXX. I got the results of the " re-investigation '', but they continue to report incorrect information, which is hurting my ability to obtain credit, I add evidence. It is indicated that it was verified as accurate and updated, but there is information that has never been updated such as payment history. They are showing a late payment of 120 days on XX/XX/2022, but there is no data for the previous months. How TransUnion can report information without complete data. The law indicates that information must be verified as correct and updated or deleted. Reinvestigate that information and if it is not possible it should be deleted. I have the right to have my report be 100 % correct, something that is not being completely fulfilled.
Consumer complaint received 2019-12-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (PA)

I originated a line of credit with TD Bank on XX/XX/2017. Over 90 % of the payments made since the inception of this loan has included additional funds to be applied to principal payment. Most of the time when I mailed a payment to the XXXX XXXX processing center I would note on the check within the memo section to apply to principal, however in reviewing the payment history it does not show this was done. I have reached out to several representatives over the last three months to attempt to reach a resolution and no-one has been wiling to go over my pay history breakdown the application of my payments.