davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

While paying off my Credit cards I accidentally overpaid my Citi Costco VISA. I sent the incorrect amount to Citi by approx. {$7900.00} on or around XXXX. I did not realize this until I looked to set up a payoff for charges I was making during XXXX, that I noticed the credit balance. I was using the card in XXXX and the credit balance is now {$67000.00}. I waited a week after discovering my error as to let any charges go through. Once I was confident there was nothing pending, I phoned Citi on XXXX to request my credit balance returned. The conversation was pleasant and the customer service agent was very helpful and said I would have my funds direct deposited within 3-5 business days. They did not that sometimes these need to be approved by management, however, he said this one looked to be approved. I waited 5 business days and nothing was sent to my checking account. I phoned on XXXX and requested to speak with a supervisor/manager. The manager understood the issue and explained they would expedite the payment and I should receive it within 2 business days. Again everyone involved was very helpful. I waited and 2 business days passed and no funds were deposited into my account as was explained would happen. I phoned Citi on XXXX and again asked to speak with a manager, and went over the whole situation again. It was explained that this refund of my credit balance was being reviewed, however not approved. I expressed my displeasure and explained that based on what I know they are in violation of Regulation Z, as I had given them notification I wanted my funds returned and they are required by law to send my funds back within 7 business days. I still do not have my funds and it is still not clear when these funds will be returned. I will say all representatives at Citi were polite and professional and I did maintain my own professionalism when discussing the issue. It is not acceptable for the bank to keep my funds without a reason or provide a timeframe they will be returned. It should also be noted that the last manager I spoke with put in an executive complaint, however, it is for discrimination. To be clear, I do not feel that Citi was in any way discriminating against me.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

In XXXX of this year, ( 2022 ) I checked my credit, and the balance was XXXX. I was concerned because I had paid the balance off. However, I was paying each balance a few times a month so I would not have a large balance. In XXXX ( 2022 ), the account XXXX showed the same balance of {$270.00}. I tried to log into my online account, however, it was having technical difficulties. I tried on other computers and the same result of not being able to log in occurred. I started to be concerned because of having this problem before when I called the company on the telephone to make a payment a while ago. I checked the XXXX for the company and discovered that some individuals had be charged interest on a {$0.00} balance. I was hoping this would not happen to me. I did not know what to do.
Consumer complaint received 2019-11-29
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. (OR)

I have submitted identity theft reports and police reports as instructed but Equifax refuses to remove these two items : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments COLLECTION ACCOUNT Contact XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX. 
Original Creditor Name XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RETAIL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments RETURNED CHECK Contact XXXX XXXX, XXXX. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX Which are the product of Identity theft and in fact colluded with XXXX XXXX to give them my current address and phone number so that they can re-list the fraudulent debt as a new debt. 

Equifax has refused to remove this information 4 times even though the other two credit reporting agencies have removed it right away.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

My Sony Credit Card account was transferred from XXXX XXXX to Comenity Bank. The transfer was NOT initiated by me. Upon receiving the first ever statement ( attached ) by Comenity Bank for the month of XX/XX/2019, I noticed that I was charged a {$25.00} late fee and {$47.00} of interest. I called Comenity and I was told that I was charged a late fee and an interest because I missed the first balance due of {$1800.00} for the month of XX/XX/2019. Please note that I had an auto-payment setup for years with XXXX XXXX and never missed a single payment. How was I supposed to know how much was due to Comenity in XXXX if the first ever statement Comenity mailed to me was for the month of XXXX? If the balance for the month of XXXX was due to XXXX XXXX, it would have been auto-paid. If the balance for the month of XXXX was due to Comenity, Comenity should have mailed the XXXX statement to me so I could have paid it. But Comenity didn't. Please note that I have a screen print ( attached ) of the Comenity statements available online, which clearly indicates that XX/XX/2019 is the only statement Comenity ever produced for me. In other words, Comenity failed to inform me about my balance due, and then later charged me a late fee and an interest because I did not pay the balance which was unknown to me. Please note that the auto-pay I had with XXXX XXXX was not transferred with the account to Comenity. The whole story could be interpreted as fraudulent if Comenity, in bad faith, deliberately failed to communicate to me and maybe to other customers acquired from XXXX XXXX their balances so they could cash-in interests and fees. Please investigate if I am the only one that incurred in such a problem. Please note that I have and always had an excellent credit score. I am hereby declaring to retain all of my rights to seek legal advice and representation and potentially start a class-action lawsuit in the event that the negligent and possibly fraudulent behavior of Comenity Bank is not taken care of promptly.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2019-12-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson Cruz & Associates LLC (TX)

I dont know who this company is and they keep sending collection letters to my relatives addresses. These letters are obviously harassing me and I dont think its right. They have no right to be sending letters to people related to me when I dont live there. They are making me feel threatened. I will be speaking to an attorney for harassment. I am no expert when it comes to legal stuff. But i know that I could file charges against them for harassment. I have never had an outstanding balance with XXXX. Their merchandise was obviously returned. And its been like 6 yrs that I havent been to any of their stores.
Consumer complaint received 2019-12-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone used my email account to open a XXXX account under the name of XXXX XXXX. The obtained access to my Bank of America Online Banking. Using the XXXX account, they transferred {$2900.00} from my personal Bank of America account. On XX/XX/2019. I received a text message from Bank of America at XXXX XXXX, confirming the money transfer was complete. I filed a BoA Fraud Claim # XXXX. The account was frozen at that time. on XX/XX/2019, I received an email from Bank of America, sending me bank account code I requested. I did not request the the information, and reported it to Bank of America Fraud department. on XX/XX/2019, I received an email from XXXX XXXX, stating I submitted a payment between 2 accounts. I do not have any accounts with XXXX XXXX. They could not look up the accounts using my email, and could not find the the accounts by my name, telephone number or social security number. Bank of America has not returned any removed funds, and froze the account with a - {$880000.00} balance. I believe my email address was compromised even after see real attempts at changing my passcode.
Consumer complaint received 2019-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have file a complain for numerous accounts stated on credit report and they have not verified how the account belongs to me. This process started XX/XX/2019 and still haven't had any accounts verified or contacted back from burueas.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-05
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. (NJ)

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems placed a collection on my credit reports for a medical bill that I don't recognize. I was never notified by phone or mail about a collection. I disputed the collection, and they put it back on my report. I looked them up and their XXXX rating has been revoked for hundreds of situations similar to mine.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I previously applied for a credit card through capital one they denied me only on the basis thati already have a account. Even though I explained it was opened fraudulently and submitted a identity theft report. well today I. submitting attachments of my complaint through cfpb though the credit beaurus that this account is removed from my credit due to it not being my account. I'm asking for a reversal
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

My account with Wells Fargo was never late! I have had exceptional payment History With Wells Fargo and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/year> to be removed. Wells Fargo never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
Wells Fargo - XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

In reference to CFPB complain # XXXX and XXXX EXPERIAN consumer reporting agency is still causing me direct harm as a consumer under FDCPA. EXPERIAN is still reporting inaccurate information on my consumer reports that have now caused me extreme financial harm. On XXXX XXXX, XXXX  Experian furnished experience information to XXXX XXXX  which were derogatory and false and caused me to be denied my own credit. The exact same innacurate information that is currently being disputed and EXPERIAN keeps reporting the information as " updated and Verified '' but refuses to provide the requested information as to who verified the information, what they verified and how they verified it. This third party experience collector has now caused me financial harm due to inaccurate information that they had to actually delete after not being able to verify false info through other third parties like PACER, SAGESTREAM, ect. and not disclosing that these are their exclusive verification sources.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

I have had fraud on my account with navy federal. International currency transactions are showing on my account in which I have never did business with. Because of the amount navy federal credit union refuses to even investigate the fraud. I have sent in legal documentation and was not even acknowledged that there was an error. The immediately said they did not find an error not have to investigate the problem.
Consumer complaint received 2022-10-16
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. (OH)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

I applied in good faith for the Product LOWES COMMERCIAL. After application had been summited received a denial notice. If any portion of this application under the Application ID : XXXX has been securitized under securities act of 1934, within the Synchrony Bank and or/ Lowe 's Home Centers , LLC Prospectus, 10-K Form,8-K From and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter in the private respectfully.