davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

My last statement on the Target Redcard/Store card stated my payment due date is XX/XX/2020 ( please see attached document ). I made my payment on XX/XX/2020then their system automatically generated a late ee charge of XXXX and automatically added to my next payment will be XXXX minimum payment instead of XXXX. This was confirmed by the customer service representatives that my payment always due on the XXXX of each month. The last statement was obviously a computer error but it was not my fault. I called in and spoke the first representative who told me he will adjust the late fee of XXXX and credit account but myXX/XX/2020 payment is still showing XXXX minimum due instead of the XXXX. I called in and spoke to a supervisor XXXX but he refused to adjust my minimum due for the XX/XX/2020 payment. Please help me straighten this out because its not the consumers fault. If it is a computer error Target credit should be responsible for this matter and it shouldnt be at the customers expense. I dont want them to report to my credit file that I have a late payment if I only make the XXXX minimum payment excluding the late fee. My other concern is how accurate they are with their banking system. How do the consumers know if their interest calculation is accurate. Believe me. Im working very hard trying to pay off this card ASAP and close out this account for good. My goal is to get it done by the end of this year. Please take a closer look at this matter and see how many more consumers are affected by this problem. Thank you very much for your help. XXXX
Consumer complaint received 2020-03-20
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: BARCLAYS BANK DELAWARE (NY)

There was a cash advance on XX/XX/XXXX for {$200.00}. I was charged a {$10.00} fee for same. I was also charged at that time a cash advance fee of {$2.00}. This appeared on my XX/XX/XXXX statement. Once again on my new statement of XX/XX/XXXX, I was once again charged {$2.00} cash advance fee. I called Barclays Bank and was told that I was being charged the {$2.00} because of the XX/XX/XXXX cash withdrawal. I already paid that {$2.00} fee on the last statement. So why am I being charged again on XX/XX/XXXX for a cash withdrawl on XX/XX/XXXX, for which I already paid the fee. I spoke to XXXX who has absolutely no idea what she is talking about and could not answer the question. There is also an additional fee of {$31.00} added to my XXXX statement because XXXX said I didn't make any payments between XX/XX/XXXX - XX/XX/XXXX. However, There were four payments : XX/XX/XXXX for {$1500.00} XX/XX/XXXX for {$2500.00} XX/XX/XXXX for {$2300.00} XX/XX/XXXX for {$1800.00} for a total of {$7100.00}, so why am I being charged additional fees. I am being charged over and over again for fees that were paid already. Unfortunately, nobody at XXXX is smart enough to figure it out.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV INC. (GA)

I received letter Ref XXXX regarding TRS Ref XXXX on XX/XX/2020 but dated XX/XX/2020, that they will not remove debt XX/XX/2020, after my ch XXXX XXXX was converted on XX/XX/2020.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

My husband works for XXXX XXXX. He will find out today if he is temporarily out of a job. Trying to be proactive, like everyone tells us to do during this time, we contacted our mortgage company, Mr. Cooper. I was directed to the Forbearance Department and spoke with a woman named XXXX. When I explained to XXXX what our issue may be and what our options would be during this Covid-19 time she told me I had 3 options. The first option was to refinance our loan but that it wouldn't be approved since we don't have any income, the second would be a forbearance option but that would only be postponed for 1 month and after that it would have to be paid in full. The 3rd option was basically losing our home. I've always been very happy with Mr. Cooper but am very disheartened that during this time those are the only options. Basically Mr. Cooper isn't willing to help anyone during this time. This has made our stress level even worse .possible no income and no support from our mortgage lender. If we get through this and still have our home we will be leaving MR. Cooper real quick. I will be reporting them to every agency that I can ... ..would n't the governors and political figures love to hear this during this time.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In 2016 Costco ended its partnership with the XXXX XXXX XXXX Credit Card and started a new partnership with Citibank Credit Card. I have and continue to have the XXXX XXXX XXXX XXXX as my daily credit card. 

Citibank opened up a credit card without my authorization or approval or even knowledge and opened it because I had a Costco/XXXX  XXXX Credit Card. I never charged anything on the Citibank Credit Card and never opened it or gave authorization. 

I then started getting statements from Citibank that I owed annual fees and late fees and interest on these membership fees. When I explained that I never wanted this credit card and never gave authorization to open this card and never charged anything on it, I was continually told by Citibank that it was mandatory that every Costco/XXXX  XXXX Credit Card holder had a Citibank Credit Card opened. 

Citibank never budged when I explained that I never gave authorization to open this credit card and I should not owe fees for membership in a credit card I did not want and did not give authorization. 

Well, 4 years later I went to get a mortgage and on the credit card report it says that Citibank wrote off {$67.00} for me and then gave me a 9 ( the worst ) rating to the credit card agencies as punishment. 

This has damaged my credit card statement and is costly in getting a loan. {$67.00} write off and then a punishing 9 rating for annual fees, interest and {$0.00} charges on a credit card that I never wanted, never used, and certainly never gave Citibank authorization to open a credit card for me. 

This is punishing to me, not only was it a nightmare trying to get rid of a credit card that I never authorized, but now I found out that Citibank was vindictive and damaged my credit card report because of this. 

This does not seem appropriate and I would ask the Consumer Financials Protection Agency to start an investigation into Citibank regarding this abuse. 

Please email me with any questions or concerns Thank you for your help, XXXX. XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Consumer complaint received 2022-12-31
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. (AZ)

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. 

Account name : XXXX XXXX, Account # XXXX. Account name : XXXX XXXX XXXX Account # XXXX. Account name # : XXXX XXXXXXXX XXXX, XXXX, Account # : XXXX. Account name : XXXX XXXX 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 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 2023-12-11
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: Experian Information Solutions Inc. (NV)

I have diligently contacted Experian on dates between XXXX and XXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. XXXX has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC (TX)

I signed a contract for 6-months term lease at XXXX XXXX XXXX XXXX and lived there from XXXX to XX/XX/XXXX. I paid my rent all the time before it was due Despite my monthly payment paid on-time, the landlord brought me to civil court for eviction on XX/XX/XXXX. At the court, I showed all the money-order for my rent to the judge and the case was dismissed. 
On XX/XX/XXXX, I tried to rent an apartment in XXXX TX and the tenant told me that i meet the requirements because i owed an apartment called XXXX  XXXX XXXX and XXXX XXXX. 
So i contacted the credit agencies bureau and explained them the situation and they told me they will contact the apartment XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX is the same apartment as XXXX XXXX ; they have just changed their name but they are the same. 
XXXX XXXX XXXX is fraudulently tried to collected from me {$4700.00}, complaining that I haven't NEVER paid the rent since i rented their apartment. 
I am fully aware that we all my rent was paid through money order and if my rent wasn't paid on-time, I will be evicted and penalized on the day they have brought me to civil court. 
I am very upset and don't even have a place to stay due to fraudulent information on my credit report. I am not owing any apartment and i always paid my rent as my first priority.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX Applied for credit card at local Chase Bank branch, I asked to verify the annual membership due day for the first year, Chase bank told me it would be due a year later, the membership fee is {$450.00} but since it would be due each end of the year, there were not explicit date shown when that {$450.00} would be due XX/XX/XXXX Called Chase to look over my update information as it did not call me regarding my case within 48hrs XX/XX/XXXX Card Received XX/XX/XXXX Account was closed by Chase, was told my card was returned in mistake, poor attitude, told nothing could be done by first representative, called another, reactivate my account XX/XX/XXXX {$450.00} Membership Fee is charged XX/XX/XXXX Contacted Chase on phone to supervisor, told nothing can be done, told even though they believe there is a miscommunication, membership fee can not be returned, and refuse to provide any compensation to false advertisement, they created an internal complaint for me and told me I won't get any follow up, it was basically a note saying that I was a troublesome customer on their side, period
Consumer complaint received 2022-12-31
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: LEXISNEXIS (TX)

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX : XX/XX/2019
Consumer complaint received 2020-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do. 

This is what XXXX told me to do and it destroyed my credit report! 
I called them several times and they said that they could not fix it! 
They told me to write a new letter and sound like and a**hole and maybe they would fix it! 
I called again and nothing! 
Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through XXXX and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC (IL)

I used Ria XXXX XXXX XXXX  to send money internationally  with the promise that the transaction would take 30 minutes. I did this on XX/XX/XXXX. I took me at least 9 phone calls and finally the money was deposited on XX/XX/XXXX. They disclosed that the cost of this transaction would be {$7.00}, but the charged me {$1.00} additional to complete the transaction. Their customer service is very deficient with poor sound quality and long waiting times.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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: R & B Corporation of Virginia (VA)

Credit Control continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Credit Control reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Credit Control. To that end, I sent a letter to Credit Control. Credit Control has stated that the account was marked as in dispute in XX/XX/2019 ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on XXXX  report, then Credit Control should have updated the account to reflect disputed at that time not later. That is yet another violation of my rights. Entries should be updated as disputed with bureaus upon the bureaus responding in writing that the company, in this case, Credit Control, verified the entry. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Credit Control has no  intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.