davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I received a Victoria Secret credit card in early XXXX with a limit of {$250.00} with a minimum payment of {$28.00}. I typically carry a balance month to month which I pay down before another purchase. With my minimum payment required at {$28.00} I have always paid more, the majority of the payments being {$40.00} to get a good amount applied towards principle balance. I have even paid double payments of {$40.00} in a month multiple times. Never been late or exceeding my limit of {$250.00}. On XX/XX/XXXX I made a purchase for XXXX dollars and some change, as my account showed I had available credit of over {$110.00}. I was sent an email XX/XX/XXXX I had a secure message in my Victoria Secret card account, which stated my limit was being decreased to {$150.00}. Which is the reason my account is showing over use. On XX/XX/XXXX I recieved an email stating my billing statement was ready, while checking the statement I notice my minimum payment is showing {$35.00} instead of {$28.00}. I contacted the company the same day asking what was going on. The response I recieved was a standard response of reasons why these changes may have happened and was told to refer to the notice I recieved. On XX/XX/XXXX I informed Comenity I was not email or mailed any notice of a change in minimum payment only of a decrease in credit limit. I also stated I was under the impression that I was supposed to recieve a notice 45 days on advance of changes like that. The representative responded stating the minimum payment depends on the total balance and informs me each that paying over minimum payment would results in lower balance and lower minimum payment. My total balance at this point was {$180.00} after paying a payment of {$40.00} on XX/XX/XXXX, which is {$12.00} over my regular {$28.00} minimum. Yet they are attempting to increase my minimum payment due without notification to {$35.00} and after multiple attempts to address why I was not notified, the reps for Comenity continue to ignore any mention of need for 45 day notice and respond with multiple different excuses why this change is happening. On XXXX ( while I am still in contact with the company regarding the validity of the increase from {$28.00} to {$35.00} ) I received a secure message which stated on XX/XX/XXXX terms were changing and my minimum payment would change to {$38.00}. No where on this notice am I offered an opt out option, which unless I am mistaken should be sent along with any notice of this type.
Consumer complaint received 2020-03-20
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a Bank of America credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have sent multiple letters/request to collection agency and the 3 credit bureau 's for validation of amount owed. ( {$500.00} ) First one to collection agency was delivered XX/XX/XXXX, waited 30 days, did not get a reply. Sent follow-up letter on XX/XX/XXXX, delivered XX/XX/XXXX as to why I did not get a reply to my validation request and that they are violating FDCPA.. then all of a sudden I received a response letter on XX/XX/XXXX ( dated XX/XX/XXXX?! ) with a photo copy of a itemized bill from creditor dated XX/XX/XXXX. ( I guess this is the no response/delayed response sent for first letter. Still was outside of the 30 days allowed.. ) I replied the next day and had to send 2 of the same letters, ( 1 was never delivered, lost in USPS system in collections agency zip code since XX/XX/XXXX, the replacement second letter was mailed weeks later, XX/XX/XXXX and delivered on XX/XX/XXXX informing them that a bill does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and cited case law as fact and proof. As of this writing I just received the exact same itemized bill dated XX/XX/XXXX as well as a second itemized bill dated XX/XX/XXXX. That letter sent by the collection agency for some reason is dated XX/XX/XXXX, the same day my last letter to them was delivered! Strange! Don't know if that was a response to my letter that was delivered on XXXX XXXX.But because of this non-compliance from collection agency and the 3 credit bureau 's , this negative acct is being reported continuously by all 3 bureau 's as updated & verified. I am currently in dispute with them for this acct. I also informed all 3 bureau 's that I have contacted the collection agency multiple times to validate debt, which they have not. Letters that were sent to collection agency were also sent to the 3 bureau 's with tracking info as proof of me asking collection agency to validate. I now have to ask the CFPB to investigate & help me with this.
Consumer complaint received 2020-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IL)

My debit card was restricted because I was told I violated my debit card policies and procedures. When asked in what way nobody was able to provide an explanation. Any claim that I filed was substantiated and proven. I am being targeted and economically harassed. I asked that my concern be reexamine and left a message for a manager to call me back for the sixth time. NFCU is one of the largest credit unions in the country and they are abusing that power by not providing ANY recourse.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (DE)

Tdbank processed a transaction against my debit card for a yearly car insurance policy which overdrafted the account even though I declined overdraft protection. They then did bill pays and charged additional fees again for these legitimate draws on the account. The first transaction was not declined as per the law. The first overdraft created a negative situation that would not have happened if they declined it as they are expected to do when overdraft protection is declined. They argue it was a legitimate overdraft, and hit me 2 other times with additional overdrafts even after I transferred funds from another td account before the other bills were paid.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

Jpmc is stealing my home after they broke the contract more than 30 times plz read the pdf 's 1st is the Whole story then the ledger as well as 3rd is evidence of the crimes they made errors then god mean and deliberately pyramided late fees.
Consumer complaint received 2020-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2022-06-15
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, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-03-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched UNAUTHORIZED CHARGES USAA CARD XXXX TOTAL {$320.00}. FRAUD REPORTED XX/XX/2018 ARE THESE FRAUD INVESTIGATIONS COMPLETED YET? WHY WASN'T I SENT ANY NOTICE AS PER LAW? USAA NEVER SENT ME ANY DOCUMENTATION AFTER COMPLETION OF INVESTGATIONS. WERE TEMPORARY CREDITS EVER MADE PERMANET IN MY FAVOR??? IF SO WHEN? PLEASE SEND ME WRITTEN DOCUMENTION OF THE RESULTS OF THESE INVESTIGATIONS.
Consumer complaint received 2022-12-31
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. (PA)

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Consumer complaint received 2024-02-25
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. (MA)

Experian credit is reporting the f Subject : Complaint Regarding Inaccurate Credit Reporting Pursuant to FCRA Section 1681i ( 5 ) To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my credit report, as provided by [ ]. I am concerned about potential violations being reported by Experian of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681i ( 5 ). 

The inaccurate information pertains to the following accounts : Account with XXXX Date XXXX : XX/XX/XXXX Balance : {$230.00} Status : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} Status : Account charged off. {$180.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$92.00} Status : Account charged off. {$92.00} written off. {$92.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Status : Account charged off. 
These inaccuracies are not only damaging to my creditworthiness but also a violation of my rights under the FCRA. As per Section 1681i ( 5 ), I am entitled to have these inaccuracies promptly corrected. 

Enclosed, please find copies of my credit report highlighting the discrepancies and supporting documentation. 

I request that the CFPB investigate this matter promptly and take appropriate action against the credit reporting agency to ensure compliance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.
Consumer complaint received 2024-02-24
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. (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. 

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 an 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.
Consumer complaint received 2020-03-31
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: CAPITAL ONE FINANCIAL CORPORATION ()

On XXXX XX/XX/XXXX, I brought four tickets leaving XXXX XX/XX/XXXX to XXXX XXXX from XXXX XXXX XXXX. I charged the purchase to my Capital One credit card. ( Enclosure 1 ). On XX/XX/XXXX, Capital One withdrew the money from my XXXX checking account. ( Enclosure 2 ). XXXX XXXX cancelled our flight due to the coronavirus. I tried to rebook on XXXX XXXX using my Capital One card but it was refused multiple times. I called them, and they said they suspected fraud so my account was restricted. I then used my XXXX credit card and rebooked my tickets on XXXX XXXX. ( Enclosure 3 ). XXXX XXXX REFUNDED my money for the tickets I bought with my Capital One credit card. ( Enclosure 4 ). This is where the problem begins I have lived in the XXXX since XXXX. My drivers license is from XXXX. Capital One informed me to un restrict my account I would need to get a state ID or State drivers license. Since I was going to America anyway I said okay. However, ALL flights have been suspended to U.S. so I will not be able to go there till next year as my daughter and son have to go back to school. Capital One informed me I would NOT be able to get my $ XXXX-dollar refund until I get a state ID. Even if I closed the account they said they would not be able to return my refund. That is the problem. 
Capital One sent me my card here in XXXX. The mailing address on the account is XXXX, XXXX XXXX. We receive our mail through the American Embassy in XXXX. ( Enclosure 5 ). I have a U.S. passport, a government retired ID card and a XXXX  drivers license. ( Enclosure 6 ). Also, I have the credit card in my possession. ( Enclosure 7 ). 
Capital One is worried about fraud on my account and I understand. However, I am asking them to put the money BACK into the same account they took it out of. How can that be fraud??? I paid them, the airlines paid them AGAIN. So they got paid TWICE!!! Putting the money BACK where they took it from is not fraud but FAIR. I can not wait 1 year while Capital One hold on to {$3000.00} dollars of my hard earned cash. 
So I am asking you to PLEASE help me get the money returned to THE SAME ACCOUNT IT WAS TAKEN OUT OF. Where is the fraud???
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (GA)

I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.