davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank special program no interest through Jared Jewelry Store in XXXX XXXX loan was for {$2600.00}. This loan was to be paid off by XX/XX/XXXX per XXXX billing statement. There were 12 payments made for XXXX XXXX  {$2600.00} 12th payment cleared on XX/XX/XXXX.. They show a balance due of {$180.00} which needed to be paid by XX/XX/XXXX. The XXXX billing statement was never generated. They have taken the interest free loan and added all the interest@ 29.99 % plus late fees. 
I have brought this to their attention on XX/XX/XXXX XXXX and XX/XX/XXXX. They answered me on XX/XX/XXXX, acknowledged my claim and requested 90 days to investigate. There was no answer in the 90-day investigation period. On XX/XX/XXXX I received another letter acknowledging my claim and acting for 90 day investigation period. On XX/XX/XXXX, I received another letter that determined my claim research did not find any error. My current balance is {$170.00}. This would be all interest@ 29.99 % and late fees. 
I believed they are very deceptive and have unethical banking practices. the XXXX XXXX  investigation should had been completed in XXXX, but they just kept adding interest and late fees until XX/XX/XXXX. 
I would be grateful for any help you can give me in this matter. My main concern is my correct score ( XXXX ) and I believe they have been paid in full. I should have a small credit. Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Mortgage company did not pay insurance through escrow account which caused a lapse in coverage and then when reinstating two months later the premium went up. Mortgage company refused to credit me the difference even though if they had paid it on the due date it would be the lesser amount. They took the difference from my escrow account even though i told them not to.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My edd account in Bank Of America was accessed by another person and transferred funds since XX/XX/2023. I have been reporting this to Bank of America but they keep denying my case to give back my money. I dont know why someone can access my account when I changed all the password and secret questions.
Consumer complaint received 2023-06-29
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: SYNCHRONY FINANCIAL (MD)

My beloved parrot died in the beginning of XXXX. She was XXXX XXXX XXXX and I am heartbroken. The scam began when I had tried to purchase 2 different parrots using my Venmo credit card. The scammers preyed upon my vulnerable state and kept adding " expenses '' to ship the birds. Both purchases turned out to be scams, but I didn't realize it until it was too late. I have contacted Venmo more than once about these charges and they refuse to help. I am out about {$4000.00} and they say that they don't have to help, even though I used their credit card. It was my understanding that using credit cards are a way to safeguard purchases. 
The charges occurred XX/XX/XXXX and XX/XX/XXXX. I have sent Venmo all the information about the scams and they " apologize '' and send form letters in return. 
I have dozens of screen shots of the scammers and several of Venmo 's letters. 
Please help? I can not afford these charges for which I have nothing but heartache in return.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter and statements in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (PA)

I have one credit card from AVANT ending in XXXX with an XXXX XXXX APR THE Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An annual fee was billed XX/XX/18. I notified XXXX I no longer wanted their XXXX XXXX account and they billed the annual fee anyways.They eventually reversed the fees and close the account but they never removed the late marks and they closed it showing bank request rather than customer request.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I financed a vehicle back in XX/XX/year>. From XXXX XXXX XXXX. 
They ran my credit about 12 times to different financial accounts to approve my loan. XXXX XXXX  approved us. All other inquiries I did not consent to. 
I tried dealing with the dealership but they keep putting me on hold and many excuses to not help me out. 
I keep trying to apply for credit cards and it seems my hard inquiries are affect me.
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've never been late on these accounts, the creditors made an error with my address and sent the statement to the wrong address. They acknowledge their mistake and promised me they would remove the negativity and update the status of the accounts to paid/never late.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (AL)

I refinanced my home in XXXX XXXX  XXXX. We found my brothers XXXX XXXX XXXX on my report showing delinquent. We had a conference call between myself XXXX XXXX my brother XXXX XXXX and XXXX. XXXX with XXXX XXXX XXXX  company and they confirmed at that time it was my brother XXXX XXXX delinquent mortgage and they stated they would have it removed. XX/XX/XXXX I apply for a construction loan to build my home and again it is on my report making no bank want to lend money because it shows delinquent on a house I do not own.
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 or 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 2024-08-04
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. (LA)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 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 2023-07-28
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: EQUIFAX, INC. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-02-17
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)

Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status CloseXXXX. {$680.00} written off.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (CA)

Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I initiated an electronic payment from my bank ( XXXX XXXX ) to Synchrony Bank/Care Credit to make a payment that was due on XX/XX/XXXX. 

In the normal course of business, an electronic transfer should take no more than 24 hours to arrive at the destination. Based upon that, the arrival would have been on XX/XX/XXXX in advance of the due date. 

Synchrony failed to credit my account under the claim that they " do not credit accounts over the weekend '', I find this hard to believe and laughable as while they may not have been open to credit my account, they were open enough to assess a late fee. 

Additionally, the lender claimed that the delay in posting is something that they disclose in the terms and conditions ... as if disclosing unethical behavior somehow makes their behavior somehow ethical and acceptable. 

I urge this bureau to fully investigate them and correlate this behavior with other complaints and fines levied against this institution. It appears that {$250.00} million in fines is not having the desired effect as corrective action and more significant action be taking in an effort to correct their behavior. 

Finally, I would like to add my commentary to the request for comment on the Reg Z changes recently published : Banks should not and must not be allowed to make more money in fee income than from their interest rates that they charge. The level of fees banks are near usurious and the regulatory agencies have stood by far too long and not acting in the best interest of the People.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC (TN)

XX/XX/XXXX I sent them this formal complaint to show that there was inaccurate and incomplete credit info being put on my credit report The debt collector is saying I owe XXXX From XX/XX/XXXX Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX, KY XXXX I am writing to formally dispute the validity of the debt referenced under Account Number : XXXX, which your company has contacted me about. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting a complete validation of this debt. 

Please provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. Documentation verifying that I have a legal obligation to pay this debt to your client ; 4. Proof of the original contract or agreement that generated this debt ; 5. Detailed account statements showing the calculation of the balance claimed ; 6. A copy of any judgment ( if applicable ) ; 7. Proof that you are licensed to collect debts in my state. 

Please be advised that I am not requesting a " verification '' of my mailing address, but a validation of the debt itself. Be aware that the FDCPA also provides that until you validate this debt, you must cease all collection efforts, which includes reporting it to any credit reporting agencies.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

5th third bank is attempting to collect on a debt XXXX XXXX XXXX and reporting negative rating on all XXXX of my credit reports which is against federal law according to the FCRA LAWS
Consumer complaint received 2023-02-10
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. (AR)

I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about XXXX weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit XXXX 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 XXXX XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.