davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CO)

I received notice that I defaulted on a student loan from 1993. I thought I paid it but was not sure. I was talking with my family about it and they remember that I did pay it off. It was the first big obligation that I had paid off and at the time, they were proud of me. I started school with the promise of employee reimbursement but lost that due to XXXX. They set up a payment plan but I have been unable to make payments. The thing is, this is over twenty years ago and I do not have documentation from that time. I was homeless for almost five years and lost everything. Even with that, it is unreasonable to expect someone to be able to prove they paid something from 20 years ago. Student loans says they sent collection letters but I did not receive them. I move around a lot and was homeless, so they could have been an issue. My family states they never saw any communication. Even with the XXXX I am doing well in school but if I do n't get this resolved, I will have to quit. The attitude of the Department of Education is that even though I paid it, they do not show the payment, and I am supposed to pay it back. They will not budge, even though they have not looked for an error from that time. They state that there is no error because the computer show I owe the money. It does not make sense to me. I have tried the ombudsmen and they state I have to have proof of payment. Twenty years ago it was very normal to keep paperwork for 6 or 7 years then dispose of it.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or around XX/XX/2022 my XXXX secured credit cards limit was raised to XXXX with no request for the increase by me and no notification to me by the bank of when or why it was being raised. I used the amount increased and due to an error or glitch in Bank Of America 's system the card did not cut off at the XXXX limit and instead kept charging and allowed the balance to go over the mystery XXXX increased amount to the tune of almost XXXX over in multiple transactions. I have asked the bank several times to help me by either raising my limit from the XXXX to XXXX now to equal the charges so I don't continue to experience negative derogatory credit marks every month for this high over credit limit card. I feel that Bank of America should help with this since it must have been an error in their system that didn't cut off the card at XXXX and I think it's a form of predatory credit lending that has now caused me problems when I try to do anything in regards to my credit history. I have never missed a payment on my credit card, along with the other accounts I have like a home mortgage and car loan with other banks and for this XXXX card which I feel only had rhis happen due to a glitch in Bank of America 's system, my credit would be in alot better standing and I wouldn't be getting continually denied anytime I try to apply for any loans. I am asking this agency to please assist me in getting through to Bank of America and the credit card team about this dispute since they don't seem to want to give me any consideration here. Please help! I should have excellent credit right now with making all my payments on existing debts and this overage on this credit card is causing me problems. All I ask is Bank of America acknowledge that a glitch occurred here causing my credit card to not have an actual limit at some point and I don't think it's too much to ask that they increase my limit from the XXXX to XXXX to put my account in good standing as I continue to pay down the balance.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

on or about XX/XX/XXXX I made a purchase for a {$20.00} shirt at the XXXX, ct day street festival. The vendor used his cube for my purchase which should have charged my checking account {$21.00} with Ct. sales tax included. The next day I checked my banking record and saw that the charge to my account by the merchant was put in as $ XXXX.xx and some change. I imediately filed a complaint with People 's United Bank for an adjustment which the paperwork was submitted on XX/XX/XXXX.  Documentation for all this can be found in my first complaint # XXXX. Peoples response to my claim is that they are still trying to reach the merchant and that they were giving the merchant another 45 days to respond? The bank has had significantly more than 45 days to resolve this issue and charge back the merchants bank/ cube company and return my overcharged funds. It has been 129 days since my adjustment was filed and even longer since the original purchase. Can someone please help me to recover my funds
Consumer complaint received 2017-11-24
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. (TX)

I am a victim of Identity Theft. On XXXX XXXX, I sent Equifax a properly constituted Identity Theft Report, which contained a completed FTC Fraud Affidavit which I swore the truthfulness to before a Notary Public, a completed Law Enforcement Page within the affidavit, filled out by the XXXX Police Department officer who took my report, and a copy of the XXXX PD Police Report. I also enclosed a copy of my ID and a utility bill to establish my identity. Finally, I identified the fraudulent information on my Equifax report and advised that the transactions had nothing to do with me. These actions met the requirements for blocking under FCRA 605B. 

Equifax claimed several times that they did n't receive the fax, so I sent them a letter, which they received on the XXXX of XXXX, 2017. Once Equifax received the documentation, they disputed the three fraudulent accounts on a thirty day " normal/non-identity theft '' dispute cycle where the information furnisher is able to just say that the information does indeed belong to me, which defeats the point of why 605B was amended into the FCRA. 

I have repeatedly called Equifax and they have stated that they can not over ride the decision of their mail room to put it in as a 30 day dispute. So they are unable to provide a reason under FCRA 605B ( c ) on why they refuse to block fraudulent information.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hello, Please see the attached XXXX XXXX document. I've provided a very detailed description there so I don't run out of space here, and also so I can mail the copy of the complaint to Capital One. This is about invalid/illegal fees that were assessed to my account and also ruining my excellent XXXX credit score. 
Briefly, Capital One system has put an email block on my account due to inactivity, so they haven't notified me of a payment due for 2 billing cycles until finally they have sent a paper letter. Now they want me to pay the late fees and interest charges for a delay that they have caused themselves. Also, they have blocked access to my online account for no apparent reason.
Consumer complaint received 2023-01-24
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. (TX)

I did not apply for this comenity bank/XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.
Consumer complaint received 2023-01-26
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$18000.00} ; XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$8700.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

In the year XXXX I had a checking account with Wells Fargo . There was an ongoing issue with a overdraft fees when a balance available for days, pending charges wouldnt be processed in a timely manner causing me to believe there were funds still available. As soon as I spend even a dollar, the pending transactions suddenly had been processed and over the dollar overdraft, a fee of over {$30.00} would be added just immediately.
Consumer complaint received 2017-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

I was signed out of my mobile app and when I attempted to sign back into my account it says my phone is not a trusted device. I then start the verification process to log back into my account and when I type in the sms code provided to me it says " Invalid code ''. I am currently still unable to log into my account which I was logged out of from without my consent.
Consumer complaint received 2023-10-27
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. (GA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXXXXXX XXXX # XXXX Closed Accounts : XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX XX/XX/2022 charged {$840.00} for in network insured coverage. My balance was {$380.00} which was paid. The balance of {$460.00} was charged to me, I did not receive an additional invoice, and the balance was sent to Medical Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX. I called to dispute the charge, and was told there is no reference number to record the dispute. After a dispute is filed, neither XXXX XXXX XXXX and Medical Revenue Service will discuss the dispute with me for 30days. Medical Revenue Services provided no additional information for me to be able to provide additional information of the false billing. I frequently receive bills from XXXX XXXX and XXXX XXXX XXXX that are inaccurate, as well as being billed months to years after the charges were accrued. XXXX XXXX is practicing exploitive billing techniques.
Consumer complaint received 2023-02-28
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: CBC Companies, Inc. (PA)

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open account associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress. 

The late open account that has been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these late open account is indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

I can not overstate the serious consequences these late open account has on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my dispute. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$5600.00}.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my Follow up complaints in my request dated XX/XX/2024 that I have tried to resolve the issue regarding the accounts in my credit report. However until now I do not received any responses about my complaints. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a victim of identity theft, I discovered the following account on my report Fraudulent Account with XXXX XXXX ( Account Number : XXXX ) opened on XX/XX/2022, with an outstanding amount of {$660.00}.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

I opened the account in XX/XX/2022, and was given a {$5000.00} credit limit. My limit was decreased to {$2000.00} in XX/XX/2022 by Citibank. I received a letter stating I should refer to my credit report, but I have no late payments or collections. The decrease in limit dropped my score that I've been working hard to raise.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

This company is calling me for my mother  to demand I give them info on credit card debt that is not mine : they refused to disclose who they were until I pressured them to tell me why they are calling my unlisted personal cell phone. They stated this is not my debt yet still contacted me. This is harassment and they are disclosing credit information about someone else to me!
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

The XXXX XXXX is a debit collector being used to harass past customers of XXXX XXXX and LVNV Funding LLC. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency XXXX is now texting me and emailing me for no reason. I have informed XXXX I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX receipt has been provided to them numerous times and this is getting ridiculous.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TX)

My account was closed I thought there was suspicious activity but my daughter had used it so I called them and told them they still closed my account my income tax is getting direct deposit to there this is unacceptable they never told me why
Consumer complaint received 2023-01-14
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)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-01-14
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: Bread Financial Holdings, Inc. (FL)

Hello, I applied for a XXXX credit card 3 years ago, made a purchase and pay over time - account had {$0.00} balance and no movements since then ( more than a year ) Last month I started to receive calls that I was pending and overdue to pay a comenity card. Looks like XXXX moved the portfolio to comenity, they submit a card which I never received and somehow someone made two fraudulent transactions. 

I call comenity and was really difficult to get above story because they were asking me for account details or statement which I never received because i did not sign for a comenity card - fraud department told me that those were fraudulent transactions and they will review they cancelled my account per my request but they call me 5 to 6 times a day asking me to pay them. XXXX XXXX does not talk to fraud and I call customer service and they are unable to tell me any status meanwhile interest pile up. 

Can you help me? I did not agree to have a comenity card nor did transactions never received a card and have no statements or anything related that bank I knew I had a card based on XXXX XXXX review done