davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

XX/XX/2022 balance owed on my Card was {$170.00}, I paid this in full on XX/XX/2022 resulting in a XXXX balance. 

XX/XX/2022 XXXX charged interest on a XXXX balance of {$1.00}. 

XX/XX/2022 XXXX charged interest on the interest balance now {$3.00} XX/XX/2022 XXXX charged interest on the interest balance now {$7.00} etccc, XXXX is charging me on a interest fee that I do not owe. I was not aware of these interest charges. per XXXX I now owe a total of {$31.00}. XXXX  now reported this as delinquent to the credit bureau. My XXXX XXXX has dropped XXXX points. This is not right. Please help. I have proof of payment. I dont know what else to do. I called XXXX and they say I owe the interest. I do not feel that I owe this. How can I be charged on a XXXX balance. 

I have called and asked to speak to a XXXX two times and both times I was hung up on.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

A five day hard hold was placed on a {$65000.00} ACH transfer from another XXXX XXXX. The transfer was initiated on XX/XX/2023. CIT Bank received the funds on XX/XX/2023. The hold is in effect until XX/XX/2023. I contacted CIT Bank on XX/XX/2023 and informed them that Regulation CC states funds from ACH transfers must be available no later than two business days. They stated their policy says five days.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-06
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: Credence Resource Management, LLC (TX)

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 : CREDENCE RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 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 items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot 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 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Transfinancial Companies, Inc (LA)

I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

I have mortgage through Loan Depot. I have never missed a payment. For two months, I split the payment trying to save on interest. I was informed that I could not do that without prior permission. On 3 different occasions, I called their customer service to fix the issue. All three times I was told the issue had been resolved, the monies transferred from principle payment back to mortgage payment, however, I keep getting notifications that I am XXXX delinquent, which I can prove I am not, AND I keep getting charged with late fees. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ), but Loan Depot isn't doing anything to fix the situation. They said the called me, which not true at all and when I call the escalation number they sent, nobody every answers and nobody calls me back. 

I need someone to help me, I can't affort to throw away {$1300.00} because this company is bad at math.
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)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  Balance : {$130.00}
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-09-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (NY)

I have been a client with American Honda finance for many years, I extended my lease to which I had auto pay set up for payments. I was never informed that they would be stopping to pull out the monthly payments. Because of this I incurred twice late payments since they stopped pulling out the payments twice once in XX/XX/2019 and XX/XX/2019. This has really negatively impacted me.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Ive called equifax several times over a 5 month period to get my credit report unlocked because chase bank said it had a report freeze on it so Ive been unsuccessful dealing with equifax, every time i call i get a different answer on XXXX XXXX, 2017 is where I draw the line. First an equifax employee said i have no freeze or lock on my file but when I try to get the bank to pull it they say its still locked, Ive done that a few dozen times! Its a shame that they sell you a service to lock and unlock your credit report could turn out to be the worst decision
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (IL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (PA)

Frontline asset strategies keep sending bills instead of the original contract, my signature to even verify this account. XXXX is still sending bills but they charged it off and this debt collector is also trying to collect on this debt. If they can not verify this debt they need to delete it. I never opened a XXXX account i always had XXXX  bc they are way cheaper. I went into a XXXX store and a asked the rep do you have to sign off on a phone plan and they rep said yes. This debt collection needs to be verified with original signed contract and not any bills.
Consumer complaint received 2019-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX I discovered a credit card that was opened in XXXX of XXXX, ( Case #  XXXX ) fraudulently using my information. I reported this as identity theft to the company and opened an investigation. I have also filled out a police report and a Report on the Federal Trade Commission. The company has taking no urgency to resolve this case.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 

XXXX XXXX XXXX  on my report
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (TN)

Rise charges a customary fee. According to my contract that fee is calculated at XXXX per day. I am being charged over {$120.00} biweekly for the customary fee. As of today i have paid {$1100.00} towards this loan and only {$180.00} has been applied to the principle. When i call customer service i get no intelligent response only that because i live in Tennessee and Tennessee has laxed loan shark laws Rise is allowed to charge me as they please. My contract also states the interest and commissary Fee are an equivalent of XXXX but i am being charged that as additional interest each statement. As of today i have paid over {$750.00} for this customary fee.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (GA)

I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (ID)

Experian decreased my credit score XXXX points in XX/XX/XXXX after I had completely paid off XXXX bills. 

Experian agent XXXX informed that I made a late payment on my XXXX XXXX account in XXXX and XXXX. However, if any of my payments were late in XXXX and XXXX, then the decrease should have shown up during those times, not after I completed payments. 

Experian 's explanation does not seem plausible. Therefore, I will assume the XXXX decrease on my credit score in XX/XX/XXXX, was due to my complaint to them near the end of XXXX about displaying my student loan first and foremost on their report for my credit.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Management, LLC (CO)

On XX/XX/XXXX a wrong collection report was file under my name and address. I did try to validate the information throught cerified mail exercising my FDCPA Rights made persuant to 15 USC Sec. 809 ( b ) on XXXX XXXX of XXXX an agent of the company name XXXX signed reciving my validtion notice but is been 40 days and the 30 day period has expired and they havent been able to provide me with any proof of this debt neither they have remove this account from any of the credit bureaus ( XXXX, XXXX, XXXX ) and doing more research they dont have a valid collection license in the state of Colorado making this report not only invalid but ilegal. i would like to report this angency and make sure this false report gets removed from my credit report.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (FL)

My complaint is against Wayfair Resource Group, a collection agency, acting on behalf of XXXX XXXX. My first complaint is that I was never made aware that this debt was sent to a collection agency or my options to resolve the debt. I only learned that is was on my credit report when trying to refinance my home. 

My primary complaint against Wayfair is that on my initial call with them ( on XX/XX/19 ), they assured me that the incident would be removed from my credit report if I paid the amount ( {$280.00} ) in full. This turned out not to be the case. I paid the the full amount, over the phone with Wayfair, on that initial call on XX/XX/19. When I spoke to my mortgage company on XX/XX/19, they told me the incident was not deleted from my credit report, just noted as paid, and therefore my credit score would not go up as a result.XXXX  I called Wayfair on XX/XX/19 and again on XX/XX/19 ( I spoke to XXXX XXXX the second time ). They both told me that Wayfair policy is to not delete the incident, but just to show it's been paid. I told them I felt they misrepresented what actions they would take in an effort to collect the debt from me. I asked that a supervisor call me. 

On XX/XX/19, I spoke to XXXX XXXX of Wayfair. His direct number is XXXX. He stated that he listened to the first recorded call and disagrees that I was promised that the incident would be deleted from my credit report if paid in full. I asked him why the incident could not be removed. He stated that it is because of " part of XXXX 's contract with XXXX XXXX '' and that to remove the incident would be breaking the contract with XXXX XXXX. I relayed to XXXX XXXX that I believed I was coerced into paying the debt based on false representation and would be filing a complaint.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

About 6 years ago, XXXX XXXX hired a law firm called Presler and Presler ( Now Presler, Felt, and Warshaw ) to collect a debt that they allege I owed on an account that was never mine. Over the years, they have garnished my wages and filed a judgment against me for this debt. They did so at a time when I was deeply depressed and was indifferent towards the situation and any documentation sent to me. It is a XXXX XXXX account and I have documented proof from the executive office of XXXX XXXX that it is not mine and I was never responsible for any balance owed on it. XXXX XXXX and the law firm they hired have ruined my credit and they have harassed me for years about this debt. For that, They deserve to be punished and I demand they make restitution for the money they garnished from my checks. They are threatening to garnish more of my wages and I can not afford to have my money taken from me. Also, please make sure this judgement filed against me gets rescinded.
Consumer complaint received 2023-02-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

XX/XX/XXXX Ally Bank The 1099 INT that was given to me for the year XXXX is wrong. I did call Ally but the person on the phone did not want to hear what I had to say and hung up on me. Allys CD calculated interest is posted ( added to the total ) at the end of the CD term. The CD accrues interest daily and is stated on the monthly statement but is not added to the balance. The 1099-INT that Ally gave me is for the total interested added to the CD at the end of the CD term not the actual interest earned for the year XXXX. As seen in the bank statements provided. I earned {$940.00} from XX/XX/XXXX to XXXX XXXXXXXX year. It clearly states on my bank statement for XX/XX/XXXX the interest I earned for the year XXXX is {$320.00} not {$940.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I have submitted documentation to Synchronydirectly to the office of the President to a lady by the name of XXXX, in an effort to resolve my dispute of charges, missed payments, and debits to my bank account resulting from identity theft. The office of the president of Synchrony contacted me and assigned a point of contact, but this person lied to me, stopped answering my messages, and did not return my phone calls after I requested a refund for funds that were drafted from my bank accounts without my permission. Synchrony bank has been playing with this account for over 6 months and has damaged my credit score. Synchrony responded to a previous complaint that this issue was not resolved in my favor but that is also false. The company has not reported the correct information to the credit bureau and refuses to address the issue. I would like the Consumer Finance Protection Bureau to investigate this issue and would like to receive assistance with representation to sue Synchrony for the damages that it has done to my person,
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Over the last several years I had informed Pentagon Federal Credit Union at least XXXX times to opt out my account from sharing my information with PenFed 's affiliates and third parties and from marketing. However, recently I started to receive additional marketing solicitations from PenFed ( I am attaching XXXX such solicitation ). It appears that PenFed does not honor customers ' requests for privacy.
Consumer complaint received 2023-03-07
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: Bread Financial Holdings, Inc. (MI)

COMENITYCAPITAL/MYCASH. Date open XX/XX/2022 Some one tried to steal my identity in XX/XX/2022. I spoke to someone at this bank in XXXX and asked all action to be stopped. Community Capital still gave the forgerer credit! I do not owe this acct. I value my credit history and now it is lowering because of this! 

Here is report number with XXXX : XXXX