davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (NJ)

XXXX changed credit card company XXXX Bank XXXX XXXX to Comenity Bank. 
I have a life insurance policy from XXXX and I did not want another card so I tried to decline and they are trying to bill me before the new card even got charged with Life insurance premium with late fees and interest. after I had already paid XXXX Bank XXXX XXXX and my pre existing XXXX bank card.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent account that do not belong to me. I formally dispute the presence of this unauthorized account and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, and any other relevant materials, to substantiate the claim that this account is a result of identity theft or fraudulent activity. The fraudulent account in question : BARCLAYS BANK/GAP XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove this fraudulent account from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into this fraudulent account and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent account from my credit report.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

On my credit card account ending in XXXX, I went to the chase app to pay my balance in full on XX/XX/XXXX in order to avoid additional finance charges. The app stopped me and sent a pop up telling me I dont have to pay the balance that I could pay less ( XXXX ) for my interest saving option. I understood this as I can pay that balance and not accrue new interest. On XX/XX/XXXX, I got charged interest of {$15.00}. I called chase and the rep explained to me that the interest was from my previous statement. The app did not call this out when it advised I could pay less. This was deceptive in nature as if I had understood I would still owe future interest, I would have paid in full.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

XXXX, 2022 XXXX charge to my Wells Fargo Business Debit Card {$690.00} for new computer. I called XXXX XXXX @ XXXX. Spoke with XXXX XXXX, & after repeated calls, they issued cancellation # XXXX. They claim a refund for {$690.00} # XXXX was issued. This was a scam. They then charged my Wells Fargo Business Debit Card on XXXX XXXX with XXXX fraudulent transactions, including an unauthorized, fraudulent WIRE TRANSFER ON XXXX FOR {$24000.00}. 
I have NEVER made a wire transfer from this account, or my Personal Wells Fargo account. I do not conduct on line banking with Wells Fargo or any other bank. 
I have tried on numerous occasions, for many hours, both with XXXX XXXX branch, with XXXX XXXX XXXX XXXX Regional Director, and with XXXX XXXX XXXX XXXX Case Specialist, case XXXX. All efforts have been in vain, and hours have been spent attempting to recover the {$24000.00} fraudulent wire Transfer.
Consumer complaint received 2022-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDENCE RESOURCE MANAGEMENT , LLC for committing identity theft. I have never given CREDENCE RESOURCE MANAGEMENT , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I contacted Capital One on XXXX to request a lower APR for my business credit card & regular credit card. The agent ensured me that negotiating a new APR is not something that the company does. I then asked if they were able to match the interest rate for a competing credit card company. The agent told me I was stuck with the high interest rate that I have.
Consumer complaint received 2023-10-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (TX)

Account number XXXX This a complaint against Moehla Department of Education.

This agency is been trying to make business with me.

On XXXX XXXX with tracking number XXXX delivered on the XXXX requesting to cease and desist this account due to insufficient information requested. 
After requesting to delete and to cease and desist this account, Moehla is still trying again to make business with me. I sent out another letter on XXXX XXXX with tracking number XXXX to cease and desist this account with my fee schedule. Once again Mohela Department of Education failed and wrote me an other mail. This an harassment towards me, and identity theft. 15USC1681q you are obtaining my information under false pretenses. 18usc1028 fraud and related activity in connection with identification documents authentication feature and information. I requested Moehla to eradicate anything related to my identity such ssn, dob, name, taxpayer identification number, driver license, address or transfer of a document by electronic, this department failed and retained my information. Delete my information anything what what issued by the government belongs to me.
Consumer complaint received 2022-05-30
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

In XXXX- XXXX, My son and I borrowed {$42000.00} to pay for my son 's college tuition at XXXX University . Today, XXXX XXXX, 2017, The balance that Navient says that we owe is $ 80,000+.
I have offered to pay Navient {$55000.00} to pay off the loan if my son is not required to pay taxes on the difference between my offered pay off and the balance of $ XXXX+ and my son does not have a derogatory credit report entry for paying off less than what is owed. Navient is refusing to do this.
My son is finally working steadily and this removal of debt would allow him to take steps to further his career and personal life. Navient is also servicing our Federal Student loans which we will continue to pay.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valentine and Kebartas, Inc. (NY)

I have had several conversations with XXXX XXXX @ Valentine & Kebartas, XXXX in regards to a debt owed by XXXX XXXX/XXXX XXXX XXXX to XXXX XXXX ; the balance is {$7800.00}.
XXXX/XXXX/2017- I asked about a SIF ; XXXX offered 1X- {$5800.00}, 2X- {$6100.00}, 3X- {$6600.00}. told me absolute lowest he could go was the {$5800.00}. Told him I would have to get back to him.
XXXX/XXXX/2017-XXXX called as follow-up ; I offered 1X- {$3900.00} ( 50 % ) ; now he said he can come down to {$5400.00}, after he told me on XXXX/XXXX/2017 he could n't go any lower than {$5800.00} ( so he lied to me ). I advised to both I would not be able to afford that and would only be able to pay $ XXXX/month. XXXX 's response was that he would not be able to accept that. I responded stating I would just send that amount to either XXXX or his office, did n't matter to me because they would not refuse the money. Call ended after speaking to supervisor XXXX XXXX
XXXX/XXXX/2017-XXXX called again asking for intentions. Advised same thing as previous conversation. XXXX 's response was to ask me if we were represented by an Attorney. When I inquired why, he responded stating that this account would move further along ( implying we would be sued ) if I did n't pay exactly what he was offering. He ended call stating he would advised to move this account from his office ( not sure who he is advising ; supervisor, manager, attorney? ) Also stated he would no longer call me, but would only speak with XXXX XXXX, the owner of the company.
XXXX/XXXX/17-XXXX called ( Caller ID showed " MAP VER '' XXXX ; he is calling from MA not NY, why is this company trying to deceive me with an incorrect phone number? ) XXXX opened the conversation with what I could pay. I advised we planned to send the {$500.00} as previously discussed, but I was waiting to be contacted by an Attorney 's office like he had advised would happen on the XXXX. When I questioned him on threatening legal action, he immediately tried to retract what he said and said to just send the {$500.00} in ( which he previously told me on several occasions that he would not accept that amount ). I ended call advising I would be submitting a complaint against him and his company with the CFPB for threatening legal when there was no intention of doing so.
Consumer complaint received 2019-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXXXX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XXXX XXXX XXXX called multiple times. the customer service rep would not help remove the inquiry. 
XXXX XXXX XX/XX/XXXX Called multiple time to remove the negative inquiry. customer service would not help remove. 
XXXX XX/XX/XXXX. called them multiple times. customer service would not help remove this negative inquiry XXXX XXXX XXXX XXXX called multiple time. customer service would not help remove this negative impacting inquiry XXXX XXXX XX/XX/XXXX called multiple time and the customer service rep would not help take this negative inquiry off. 
XXXX XXXX XXXX XXXX XXXX called multiple times customer service would not help remove this negative impacting inquiry XXXX XXXX-XX/XX/XXXX- called multiple times and customer service would not help remove the negative impacting inquiry. 
XXXX XXXX XX/XX/XXXX called several time and customer service would not help remove neg. impacting inquiry
Consumer complaint received 2021-06-16
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. (UT)

XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXX 's payment late. When the draft for XXXX 's payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX  However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-03-26
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

JPMCB CARD SERVICES This account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {$610.00} Reported balance OpenedOct XXXX, XXXX ( 14 yrs, 8 mos ) The balance is paid in full-letter attached from the Chase ... Company contacted every month on the XXXX and XXXX since XXXX requesting deletion of the {$610.00}. 

The law states after 7 years a deletion of the listing is required by the company ... XXXX to XXXX is well over 7 years.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CT)

XXXX for interest free card, I needed tires. XXXX of XXXX. int. free, I signed for it. 
This was mid XXXXXXXX XXXX. I thought billing would be XXXX XXXX XXXX. In XXXX I began to get calls from Synchrony. 1st time I said " Stop calling me. '' The XXXX time I said, " If you don't stop calling, I'm going to report you. '' Both times, there was no response, not a sound. 
Then I got something in the mail and was shocked to see Synchrony on the envelope. 
I was in arrears for tire payment! [ Note : I was in the middle of a kitchen disaster, they took my money, spent 13 months, never finished and quit. CP did XXXX. That's where my mind was. ] I called to apologize and told them I thought the calls were telemarketers. 
They insisted they sent statement. They did not, all I got was the warning letter. As far as all those answered and unanswered calls, their reps. lied, claiming messages left. I swear to you that never happened. That very day, I sent req 'd amt. The first & only statement arrived in XXXX, I paid it in full. Then I found out my Credit Score dropped from XXXX to a huge loss ... 2 years later it is only at XXXX. I asked them to reverse it due to no statements or messages. They insist their reps don't lie. On contraire!!! I wrote to the 3 Credit Bureaus, to explain. I was ignored by 2, the 3rd sent guidelines. This is wrong! They are a XXXX XXXX and XXXX ruined other credit.
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: EQUIFAX, INC. (FL)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Consumer complaint received 2019-03-26
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: JPMORGAN CHASE & CO. (TX)

Chase is reporting incorrectly to XXXX and XXXX that I am an Authorized User on Chase Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.
Consumer complaint received 2024-03-09
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. (WI)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on the letter. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX