davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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 (IL)

- I signed up for a day-trading course from XXXX XXXX XXXX, with the agreement of ( 4 ) payments of {$140.00} which is {$580.00}, using my Bank of America credit card. After ( 1 ) month of making ( 4 ) weekly payments, I received another charge from XXXX XXXX of {$190.00} that was charged on my BOA credit card again. 

- I reached out to XXXX XXXX via email - who told me that the {$190.00} was charged because I failed to cancel the service before ( 30 ) days. I explained to XXXX XXXX that I assumed that I was purchasing an individual product and not a subscription service ( as the company offers both of these, but the individual product does not expire and the subscription service does ). The company sent me back a lengthy and clear listing of their terms and conditions, which clearly showed me that the product that I purchased was a subscription service, and if I did not cancel within ( 30 ) days a monthly charge of {$190.00} would apply. 

- However, these clear and concise terms that XXXX XXXX provided me, was very inconspicuous on the email ads that was used to entice me to purchase the service. Specifically, XXXX XXXX used a browsewrap having only a hyperlink disclaimer that was located way below the ordering link, in which there was no reason for me to continue to scroll down to see it. Legally, this type of unreasonably difficult to locate terms and conditions is not valid, binding, nor can it be enforced. 

- On XX/XX/2018 I disputed the charges with BOA ( 4 ) {$140.00} charges as the service was not even working while I attempted to use it and overall I was completely dissatisfied with the service because it was not what was offered to me and I also disputed the {$190.00} charge as this was not even authorized. These charges were reversed and was I provided a credit by BOA, I received a letter from BOA days letter explaining that the dispute was under investigation, and I may need to provide evidence if the merchant disagreed. Shortly after, the charges were applied back to my account.

- However, BOA failed to send me a written explanation as described by the fair credit billing act. I only became aware of this by calling to make a payment on my account which was much longer than the 10 days that the investigation was convened. I still reached out to BOA after finding these unbeknownst charges being reapplied to my account, but because the investigation ended more than 10 days, BOA denied even reading or reopening my dispute case.
Consumer complaint received 2020-01-06
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. (FL)

XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORTS THAT I OWE {$620.00} I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT THIS IS NOT MY DEBT NEVER USED A XXXX XXXX   CARD OR ACCOUNT
Consumer complaint received 2020-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX IS REPORTING ON MY CREDIT REPORTS THAT I OWE {$620.00} I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT THIS IS NOT MY DEBT NEVER USED A XXXX XXXX   CARD OR ACCOUNT
Consumer complaint received 2023-03-02
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. (CA)

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. 
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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 


Every other credit report agency has stop reporting these accounts cause its fraud and the information reported is incorrect
Consumer complaint received 2024-04-11
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: United Collection Bureau, Inc. (TX)

My mother, wife and I were contacted by United Collections Bureau about a collections account I apparently have. The first message said they needed us to verify an address, and that this was my final notice. An XXXX later another phone call came through for all three of us saying that my address had been verified and that paperwork was being sent over and that this was my last warning. The phone call came from a XXXX XXXX and a XXXX XXXX. This is the first time we have heard from either XXXX of these ladies and wondering why they are threatening us with final warnings. They never announce who they work for or if it is about a debit. I have audio proof from both calls about this situation. This happened today XX/XX/2024
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2022, XX/XX/2022, and XX/XX/2022, I attempted to make a payment on my store XXXX credit card online, but an error message appeared and advised me to contact Customer Care. I've been trying to make a payment on my XXXX credit card for a while online but always get an error message whenever I have a past due balance. I called the store to see if I could make a payment with them, but they told their systems were unavailable to accept pay. It's so frustrating handling my affairs with this company. They purposely make it hard for you to pay your bill and your account accrues tons of charges. I reached out to XXXX today to let them know my problems, asked to speak to a manager, got transferred to XXXX, I asked XXXX could he walk through the transactions with me to give me more information about the interest, finance, and late fees that were all inconsistent and out of order. XXXX Was no help, he went broken record and continued to repeat himself. He didn't offer a solution or make sure my problem was going to resolved today. He didn't bother pulling up my account either. XXXX seems to be unfair and has deceptive practices for charging unnecessary fees.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ID)

With Nelnet as the student loan provider, an autopayment of {$260.00} was set up to occur on the XXXX of every month. However on XX/XX/2024 Nelnet double charged the bank account for XXXX payments of {$260.00} and does not show a second payment on their website. The bare minimum customer service provided was uninterested and unhelpful, with what they called a " refund '' taking nearly XXXX weeks. It is not a refund as there was no approved transaction, I am simply wanting my funds that they have stolen back. This has inflicted financial and emotional distress by taking out a much needed {$260.00}.
Consumer complaint received 2023-03-02
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. (OH)

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 has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my credits 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019 while on vacation to XXXX XXXX  XXXX, myself and three relatives ate a late lunch at XXXX XXXX, XXXX XXXX location. After receiving the check and putting my CapitalOne credit card in the restaurant 's check holder, I went to the ladies room. When I returned after a long wait in line for the ladies room, I saw that my party was gone and rushed off to join them outside. I forgot to check the table for my paid receipt and to retrieve my Capital One credit card. 

I became aware that I did not have my credit card within a day or two and immediately reported it to Capital One. I went over the XX/XX/XXXX fradulent charges with Capital One as they let me know the charges they had received. All charges on XX/XX/XXXX with one charge of {$17.00} from XX/XX/XXXX are fradulent totaling {$1400.00}. Capital One XXXX # : XXXX credit card ending in XXXX ( I do not know entire # since care stolen ). 

I did not file a Police Report since I felt assured that CapitalOne would not require that I pay for charges I did not make. I received a letter from Capital One stating that their investigation was done and that they found the charges to not be fraudulent ( attached ). 

I made a call to Capital One and was connected to the Supervisor over their Fraud Department, XXXX ( who refused to give his last name ). I told him that all charges from XX/XX/XXXX were fraudulent, that I did not have my card as of XX/XX/XXXX when it was stolen. He said he was as high up in the company that I can go, and there is nothing more that can be done. I asked to speak with the CEO. He said he would report my complaint, but would not give me the CEO 's his/her name, saying I could look it up on the internet. I found XXXX XXXX | Capital One | Email XXXX CFO. and have copied him on this letter.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was cleared of all this charges/dismissed. This should not be on my back ground check. I've asked them to remove this from my report and they have refused to remove it. It as caused me to lost my status of employment, As a result of these violations, I have suffered the following damages : I was denied employment because of the inaccurate information on my report. 
I have suffered emotional distress and XXXX  as a result of the inaccurate information. 
I have incurred the cost of hiring an attorney to represent me in this matter. 

I have been cleared of all criminal charges and I need you to remove this from my report because it is violating my fcra rights.
Consumer complaint received 2022-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MD)

I started the process XXXX  months before and it took them that long to get me my loan. I had to provide information XXXX or XXXX times. They ran my credit XXXX  times. I did not receive any documentation during this process. Did not receive any disclosures or anything in writing about my loan. I had to provide paystubs, income tax returns and insurance information XXXX times because they lost it. I feel like they took forever to do anything and if I didn't call to find out the status they would have never called me. I feel like they violated my rights as a consumer. I did not receive any information before I went to closing about interest rates, items that they were paying off and the fees that were to be applied to this loan. I believe that they violated laws. I started this process in XXXX and did not close on my loan until XX/XX/2022. I did not receive any agreements or disclosures before I went to closing. This was a very stressful process.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

In regards to the following account : PARAMOUNT RECOVERY Last reported XX/XX/2022 {$690.00} Open balance XXXX XXXX XXXX Original creditor XX/XX/2022 ( XXXX mos ) I have active Georgia XXXX and this debt is covered by my insurance available by simply looking up my social security number in their system. It should not be on my credit report affecting my livelihood and ability to obtain credit because the original creditor did not file it with my insurance. This needs to be removed immediately from all XXXX credit reporting agencies.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-26
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or XXXX XXXX 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 an account without my written instructions.
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 information incorrect
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Consumer complaint received 2020-01-06
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: Certegy Holdings, LLC (AL)

On XX/XX/2019 XXXX XXXX in XXXX, AL. accepted a check in the amount of {$41.00} from an unknow person to me. This person presented an Alabama identification card and the XXXX XXXX employee accepted as satisfactory identification. The XXXX XXXX employee misread the identification card and substituted the number one [ 1 ] instead of the letter 'I ' that is used on Alabama identification cards. XXXX XXXX, { XXXX ] Alabama Law Enforce Agency drivers license fraud division investigated and determined the error had  occurred. 
XXXX XXXX XXXX XXXX, FL. XXXX recommends to merchants to not accept my person check. 
I have called Certegy multiple time, written 2 letters, given the XXXX XXXX XXXX XXXX  phone number, faxed the a copy of my drivers license. Certegy is not cooperative, unresponsive, they don't use e-mail and once I am able to get someone on the telephone they are a lower level employee that can not answer questions or make a decision. They want the checking account number and check number of the check in question, I have no clue because it was not my check, signature, name or account.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (DC)

I received XXXX emails from Chime on XX/XX/year> saying I had just opened a new account and a card was on its way. I did not open this account. I called and asked when it was opened and what personal information was used, and all they could tell me was that they had my email on file and the account was opened online. They wouldn't tell me if they had my SSN on file. They closed the account and advised me to report it to the credit reporting agencies. I had my SSN stolen a few years ago and already have a freeze on new accounts with the credit reporting agencies so I don't know how this happened.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I purchase an auto loan on a used car, XXXX XXXX XXXX, through XXXX XXXX XXXX in XXXX XXXX, NJ. Bank is named 53rd bank, contact number XXXX. In XXXXXXXX XXXX XXXX I became unemployed and contacted them with this information. Their response was that I was not eligible for their hardship program and that I should pay what I could. There is a note by my account that says " User memo 8 add '' around the time I called. I did just that and when I became a Full time employee in XXXX the account had been charged off in XXXX. I contacted them about that to dispute it Their response was that I could not dispute the charged off account and that I should have received a letter in the mail. I did not receive the letter in the mail because I moved in XXXX and had issues with forwarding mail to my current and updated residence. There wasn't even an email. 
I have reach out to many different financial institutes to cover the loan, but non are willing to work with a charged off account.
Consumer complaint received 2023-03-02
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. (DC)

XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud. 
Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous

( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.
Consumer complaint received 2023-03-02
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 privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 person knows reasonable cause to believe that the information is inaccurate.