davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/XXXX On XX/XX/XXXX, I made an online electronic payment from my XXXX XXXX  checking account to Comenity Capital Bank in the amount of {$200.00}. The payment was intended to be applied to my NFL Extra Points Visa credit card with Comenity Capital Bank. I have used this method of payment many times in the past for this credit card and all of my other bills. 

A few days later, I received a notification from Comenity that my payment for XX/XX/XXXX was not received. I checked my XXXX  bill pay account and realized that I made the XX/XX/XXXX payment to Comenity Capital Bank, but I inadvertently applied the payment to the wrong account number. 

My previous NFL Extra Point Visa account number was XXXX. I made my XX/XX/XXXX, payment to this account number. I should have made the payment using my current account number ending in XXXX. 

I called Comenity Capital Banks Customer Service number and spoke to a representative to explain the error. The representative said that they could not find my payment in their records and that I would need to mail in a copy of my electronic payment to their dispute department. 

On XX/XX/XXXX, I mailed a copy of the proof of electronic payment from my bank account bill pay and a letter explaining the error to the dispute department at Comenity Capital Bank. 

From XX/XX/XXXX through XX/XX/XXXX, I called Comenity Capital Banks Customer Service number and talked to several customer service representatives and managers who all told me that they received my dispute documents but were unable to apply my {$200.00} payment to my account until the investigation was concluded. Initially, I was told that the investigation would take 7-10 business days and then later I was told that it could take up to 90 business days. It seemed outrageous and impractical that the bank would receive a {$200.00} payment from me to my old closed account number but was clueless about how to transfer and apply that payment to my current account. 

Finally, on XX/XX/XXXX, I received a letter from Comenity Capital Bank stating they need additional evidence that I made the XX/XX/XXXX payment. I called Comenity Capital Banks Customer Service number and was informed that they wanted me to have my bank trace the payment and their investigation would take an addition

al 90 business days.

I can not express the frustration that I am experiencing with this entire situation. I made a payment to the correct bank that has all of my information but used the incorrect account number and Comenity Capital Bank has kept my money and is acting as if they cant find it for over 5 months now. This is outrageous and unprofessional and predatory and I want my {$200.00} payment applied to my current account and all late fees removed immediately. 

XXXX XXXX XXXX
Consumer complaint received 2019-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-06-13
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: Army and Air Force Exchange Service (CA)

In XX/XX/XXXX over {$8600.00} was charged onto my Military Star card by a roommate diagnosed with XXXX, but confessed to the charges on an email dated XX/XX/XXXX, I was also awarded a judgement against him in XXXX XXXX XXXX in XX/XX/XXXX. With that information provided to the Company, they refuse to relinquish financial responsibility of the debt to me and are holding me financially responsible as a senior citizen on a fixed income. My credit score has dropped and I have been denied credit. I filed a report with the XXXX, but was redirected to your agency when I received no resolution. I feel Military Star card is guilty of financial exploitation of senior citizens.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc. (AL)

On XX/XX/2023 I received an email from Kingston Data and Credit International Inc. They claim that I owe {$230.00} But falsely reported {$230.00} to XXXX without sending me any written notification of the alleged debt. 

Creditor Account Number XXXX XXXX Balance as of XXXX Owing -- {$230.00} Between XXXX and Today -- Interest Charged {$0.00} Between XXXX and Today -- Amount Creditor or Paid {$0.00} Between XXXX and Today -- Invoices or Fees Charged {$0.00} Current Balance -- {$230.00} Meanwhile, XXXX is reporting {$230.00} How did Kingston Data and Credit International Inc. verify the information? 

This is a clear violation of the FCRA 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and needs to be deleted from my credit report immediately or I will take legal action against the said company.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Paypal MC combined with Paypal and took away many features leaving it nearly impossible to dispute or resolve issues. Also there is not contact info for the credit card. No phone, chat or email. Also can no longer see all activity. Would need to know exactly when the transaction occurred and look under that statement. Previous to XX/XX/2022 You could search in activity by dates. I had to dispute a fraud Company charge in XXXX and I had to fax my documentation since messaging is gone. Emails I receive with letters, I can NOT open on my desktop, it says : Sorry, our app is temporarily unavailable. We are working quickly to restore access. Please try again later ( see pic ). And today I received an email that says I have a message ( see pic ). To go to messages but that feature no longer exists. I have expressed all these issues to Synchrony, except for the email that came today. I dont think anyone will fix it
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks
Consumer complaint received 2022-11-12
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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: TRUIST FINANCIAL CORPORATION (NC)

From XX/XX/XXXX to XX/XX/XXXX I received a series of charges in the amount of {$1700.00} from a company called " XXXX '' and " XXXX. '' We assume that " XXXX '' is for the XXXX XXXX XXXX, and XXXX is subsequently a similar company. The total amount of charges over the month amounted to XXXX charges from XXXX, and XXXX from XXXX. I have included an XXXX sheet detailing the transactions. 

While I did order a few items from XXXX, I did not order that many items, nor did I order that much. I also did not order anything from XXXX at all in XXXX of XXXX. I also did not approve to have multiple payments spanning over the months to be charged to my account, which is what XXXX has done. Given that the amount and scope of what XXXX I consider all of these charges to be predatory, and erroneous.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank took {$2000.00} out of my savings account for a secure loan of {$2000.00} I informed them to keep the {$2000.00} they took out of my savings account to pay off the secure loan in full and close the account they took my money but they are still trying to collect money from me bye sending me a bill still on this account which should have been closed.
Consumer complaint received 2023-06-13
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have Items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2023-02-28
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: Bread Financial Holdings, Inc. (TX)

I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by Comenity Capital Bank. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through XXXX. 
I reached out to XXXX and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or Comenity Capital bank
Consumer complaint received 2022-11-12
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. (ME)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX have 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.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have had a care credit, synchrony bank, account for over 10 years and never once was late on a payment. As I am changing banks, I called on XXXX XXXX to confirm that they had the correct information to process a payment. The customer service rep confirmed he had the correct routing number and account number. The payment was reversed because the information was incorrect. During that same call, we set up auto-pay for my mattress firm account, also with synchrony bank with the same routing number and bank account. 
Care Credit is part of synchrony bank. I also have a mattress firm account with them. I called today XX/XX/2023, and asked to confirm the routing and account number they have for autopay it was correct. I gave them the correct information on the phone. Otherwise, they would not have it for my autopay account. 
The issue now is that I had to make a payment on XX/XX/XXXX and it appears that I was late when I was not. 
They told me I was not allowed to file a complaint and attempted to say I gave the wrong information. How then do they have the correct information for the autopay on my mattress firm account? Their rep made an error and now my perfect payment history of ten years is ruined. These people are rude and abrupt every time I call.
Consumer complaint received 2023-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Original complaint was summited against XXXX XXXX AGAIN accounts/ payments do NOT match what was submitted I'm not sure the purpose of CFPB if you don't do anything. MOHELA still has total count of payments wrong they advised me, that someone put in the wrong date?!? No worries its just a loan forgiveness. 
Contacted MOHELA on XX/XX/ and they advised me they would fix the payment count in 5-7 days I also uploaded my new certification cause i have 116 payments out of 120 SAYS 90 days to PROCESSS?????????? 3 Months to see if your loan is ready to be forgiven?
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/20 I purchased concert tickets from XXXX XXXX XXXX for {$1100.00}. Immediately I received a fraud alert email from my credit card company. I called my credit card company Chase Sapphire and acknowledged the purchase. I accepted that they declined the transaction for my protection. I went to a reputable web site and purchased tickets for the same concert. I obviously assumed the matter was closed. 

Chase Sapphire accepted the same charge after XXXX XXXX XXXX billed the charge for a second time. Ultimately after over a month Chase Sapphire denied responsibility for not blocking the second transaction, and I was forced to pay for a product I never utilized. The alarming fact that Chase Sapphire stood by a billing from a third party they aptly identified as fraudulent should scare every consumer that is also their customer.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$340.00} XXXX XXXX  Balance : {$3100.00}. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Consumer complaint received 2024-02-22
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these filesXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-15
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. (SC)

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 15USC 1681. 

XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX : # XXXX, XXXX, XXXX  XXXX : # XXXX XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX 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 record 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 2019-12-12
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. (MN)

The following current and collection accounts listed on my XXXX, XXXX XXXX and Equifax credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 15USC 1681. 

XXXX XXXX : # XXXX, US DEPT OF ED/XXXX XXXX : # XXXX, XXXX, XXXX  XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX 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 record 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...