davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

I have a XXXX XXXX XXXX Credit Card through XXXX XXXX with a limit of {$200.00}. I haven't been able to make a purchase or payment for over two months because I don't have a checking account. I have received 3 Late Payment charges, for the simple fact that I don't have a bank account. When I receive statements, the only payment allowed through the mail is a check. When I attempt to call in a payment by phone, I'm only allowed to use a check. When I was late with my payment the first time, a male XXXX XXXX representative called me. I told him I didn't have a checking account. He said that since my payment was late, I could make that monthly payment plus a Late Payment Fee with an alternative method. I made that payment with my Mastercard Debit Card. I was never informed that I could make my payment every month with my Mastercard before my payment was due. I opened a checking account just to make my monthly payments to XXXX XXXX XXXX. Upon several attempts to transfer cash from my Mastercard Debit Card to that checking account, I was unable to successfully transfer funds. Then, I decided to close that checking account. I haven't attempted to open another checking account yet. I also loaded my XXXX XXXX XXXX, ( In which I have my own personal routing number ) to make a XXXX XXXX XXXX Credit Card payment that month. That payment was declined by XXXX XXXX. I missed my XXXX payment, not knowing the XXXX payment to XXXX XXXX XXXX XXXX was declined. I missed a payment XXXX, since I didn't open a bank account and I really don't want to open a bank account at this time. I received a call a couple weeks ago from XXXX XXXX male employee. He wanted a {$52.00} payment and said I could use my Mastercard. I told him about my checking account problem, the rejected XXXX payment, and how I can only use my Mastercard when my payment 's late. He told me I could use my Mastercard for my monthly XXXX XXXX XXXX Credit Card payment before the due date and that I only needed to talk to a live person to make a payment with that. I didn't know anything about that until 3 Late Payments accrued to that account. The lack of information has harmed my credit. The man I spoke to seemed to be amused and didn't offer me any credits to my account, so I didn't make any payments. Last week, I called to make a monthly payment and I described the previous incidents. I was told by a XXXX XXXX female employee that she would waive one Late Payment Charge, but first I had to pay the Late Payment Charges and my monthly payments. I didn't approve of that and didn't pay the Late Payment Charges or my monthly payments. I think the bank is deceptive for not informing me of having the option of paying by phone to a live agent until 3 Late Payment Charges later.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

I have been requesting validation of debt since XX/XX/XXXX, XXXX convergent outsourcing have not Verified debt is mine/I owe them money. 
I have sent 4 letters requesting proof. 

The first letter sent was XX/XX/21 The second letter sent was XX/XX/21 The third letter sent was XX/XX/21 The fourth letter sent was XX/XX/21 I asked for proof of licensure They are not license to even collect debt in Illinois. I have sent all this information to XXXX  And they have ignored every document sent. 
Im sending all documentation to states attorney general/ cfpb /FTC. 

I am filing this document for further proof moving forward ..... 

I want XXXX  to remove invalidated debt from all XXXX  and all background agencies, immeadiately.
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (NH)

I am writing to you regarding XXXX XXXX XXXX and the offices of XXXX XXXX XXXX. There are multiple issues with this company and they require more space than available here. First, XXXX XXXX XXXX has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.
Consumer complaint received 2018-12-07
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: American Credit Acceptance, LLC (TX)

I am continuing to have issue with this company, and their reporting each month. For the last couple of months I have to call, and complain several times to have my account updated. I made a payment on XX/XX/XXXX and an additional payment was made on XX/XX/18, which made the account paid in full. I have paid off all accounts with this company ; however, it is still showing a balance as of today for {$9100.00}. My account is still reporting incorrectly as of XX/XX/18. On XX/XX/18 I was told by a costumers representative and a manager XXXX that my credit report would be updated on XX/XX/18 reflecting a paid in full amount. I was told it would have to be manually reported. The supervisor also stated she would submit a compliant to the credit-reporting agency. The only way this compliment will be solved is if my account shows paid off in full. This is affecting my life big time. Its showing that I owe so much money and making my debt to income ratio high. I am trying to move into a house, however the processes is delayed due to this account. I was also told I would be given a payoff letter by email.
Consumer complaint received 2022-07-21
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. (FL)

make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : XX/XX/2015
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

I have a Jet Blue credit card through Barclay 's Bank for a few years. I used it and carried a modest balance. I have never complained about the interest rate and paid my bill on time. About two months ago, I purchased some furniture. Not thinking about it I decided to put a piece of furniture on this card. I am not sure what I was thinking really but I certainly did not think that I would get no promotional rate at all! Most cards offer this on new purchases for at least six months to possibly a year! If I would have known this or realized it I could have financed the furniture through the major retailer, I purchased it from or opened a credit card through them with a 0 %. I have good credit. I would have qualified for the financing or the credit card for sure. I seen when making my last payment online that I am now paying {$35.00} per month in interest. I was stunned. I contacted the bank immediately through their online messaging asking if something could be done. I am experiencing a hardship as it is. I don't want to have to go into a settlement with this card and ruin my credit. This is unreasonable. I want something done and the high interest refunded for the XXXX months or I am going to have to make an unpleasant and serious decision as I am not going to be able to pay my bill..
Consumer complaint received 2022-05-04
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: Convergent Resources, Inc. (NC)

In accordance with the fair credit reporting act Convergent account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (AL)

Between XX/XX/XXXX thur XX/XX/2022, I have been experiencing difficulties, with Equifax information services about blocking information due to fraud on my equifax credit report. I have sent ( by mail ) copies of 1. FTC AFFIDAVIT/POLICE REPORTS 2. PROFF OF IDENTITY. 3. AND OTHER RELATED DOCUMENTS AS IDENTITY UNDER FCRA SECTION 15 U.S.C.1681a -g. The sole purpose of that was to block and remove the remaining 3 FRAUDULENT ACCOUNTS 1. XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX  XXXX, and XXXX HARD IQURIES. Although, Equifax information services will not comply by the FTC LAW, THE CUSTOMER SERVICES REPEPS ARE TERRIBLE, NEED MORE AMERICANS, I tell you that, they have all the documents needed to block these fraud accounts and inquiries, with ( once again ) all the information, I have attached all the documents I mailed to Equifax information services including the XXXX XXXX. Furthermore, it has been over 4 business days and the fraudulent accounts and hard Inquiries are still on my equifax credit report
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want the debt reported by XXXX XXXX XXXX for {$3800.00} to be removed from my credit report as it violated my rights to accurate and fair reporting since the date of the initial debt is incorrect and this bureau ( CFPB ) can see within its records that it is inaccurate, as I made an attempt to dispute the fraud in XXXX. In accordance with the Fair Credit Reporting Act, 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 the information is inaccurate. The account is listed as opened on XX/XX/XXXX, yet that is inaccurate and thus should be removed. Further, 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. I committed no crime and in fact, a crime was committed against me when my identity was stolen, and this should not be adversely affecting me because the law protects me from such negative reporting, especially for which the company can not prove that I opened these lines.
Consumer complaint received 2022-05-04
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. (MD)

Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXXXXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX BANK : Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX CT XXXX : Reference # XXXX Year XXXX
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Someone gained access to my Wells Fargo Checking Account and my phone number. The individual was able to register a mobile device, change my Wells Fargo password and set up XXXX and use XXXX instant pay to make a fraudulent funds transfer without my authorization ( {$2400.00} ). I received a phone call regarding a fraudulent transaction at XXXX on XX/XX/18 from someone impersonating a Wells Fargo representative shortly before the unauthorized XXXX payment was sent to an unknown individual in Florida . After receiving the emails notifying me of the unauthorized XXXX payment I called Wells Fargo to report fraudulent activity with my account and to stop all pending payments in all forms ( XXXX XX/XX/18 ). My username and password were changed immediately. Wells Fargo claimed they would open an investigation but stated the chances of getting my money back are slim. I feel there is a lack of security features offered by Wells Fargo preventing this scam from occurring. Only after this event did Wells Fargo recommend a 2 step verification process ( verbal password added ). What happened to me is similar to what happened to the individual in the article ( XXXX  : XXXX ). This morning when I accessed my Wells Fargo account with a new password and new username the payment was still 'pending ' but now at XXXX MST the payment cleared. Wells Fargo should have been able to cancel/stop this fraudulent payment yesterday when they were immediately notified of the fraudulent activity.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC (CA)

EARLY WARNING SERVICES , LLC DOES NOT WANT TO SEND ME MY XXXX  NOTICE OF REMOVAL LETTERS FROM XXXX XXXX XXXX BANK XXXX XXXX. XXXX BANK REMOVED MY XXXX DIFFERENT ACCOUNTS REPORTED SINCE LAST XX/XX/2021, THIS MEANS XXXX  DAYS AGO!!! IT LOOKS SUSPICIOUS THAT EARLY WARNING SERVICES , LLC IS RETAINING AND TRYING TO AVOID TO SEND ME THE XXXX RELEASE NOTICE OF REMOVAL LETTERS FROM XXXX BANK. SINCE THIS RETAINING IS CAUSING ME HARD PROBLEMS IN MY PERSONAL AND LEGAL LIFE I REQUEST AN APPOINTMENT AS SOON AS POSSIBLE IN ORDER TO GO TO PICK UP MY XXXX LETTERS IN EARLY WARNING SERVICES , LLC XXXX, LOCATED IN ARIZONA, USA. I HAVE TO MENTION THAT LAST TIME EARLY WARNING SERVICES SENT ME SOME NOTICE OF REMOVAL LETTERS, IT TOOK ONE ENTIRE MONTH TO ARRIVE IN MY P. O. BOX WITH THE FALSE EXCUSE THAT THE MAIL WAS RETAINING MY LETTERS.
Consumer complaint received 2020-12-14
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)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2022-07-21
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates XXXX
Consumer complaint received 2018-12-07
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: JPMORGAN CHASE & CO. (AZ)

I applied for a loan online through a loan company that sends my information to a group of lenders to get them to accept my application. I was contacted saying I was approved for a {$5000.00} loan. I thought these type of companies were legit but now I am seeing that even they are fradulent. I was at work and desperate for funds so I could go to my grandmothers funeral. They agreed to give me a small loan to make a payment within 24 hours. My account was in the negative to begin with so I didnt think anything of it. Now my bank account us being closed by my bank and they are saying I committed fraud but I had no knowledge I offered to send them all the emails between them and I and they refused to receive it saying it dosent matter pretty much it is not their concern. This is going to go against me on my credit when this is not even my fault. Help what do I do?
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (TX)

I have been harrassed for 2 years. Ive tried repeatedly to report issues but my mobile device is completely taken over. I have numerous linked accounts. Websites that are fake made to look like its mine. XXXX accounts with young children videos. Fundraising falsely made. Many many more issues that i will gladly answer to. Also most importantly i was not allowed a phone for the past 6 years until XX/XX/2018. I need this matter looked into. I have lost friends, family, jobs and relationships. To the point of suicide thought. Also went to see doctor and im certain their office was hacked because i was prescribed XXXX XXXX   of XXXX which is high dosage for XXXX time n doctor told me would prescribe XXXX and XXXX. Please return my call at XXXX XXXX XXXX or leave msg at my XXXX phone XXXX XXXX XXXX. Thank you
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc. (WA)

On XXXX XXXX Allianceone tried to garnish my bank account ( SSI Funds ) They sent a certified Writ of garnishment, certification of writ, exemption of claim form, notice of rights, to what they claimed as my last known mailing address XXXX XXXX XXXX  XXXX XXXX, XXXX. however, Allianceone had sent me a statement of what I owed and the judgement amount to my new address XXXX XXXX XXXX XXXX XXXX, Wa XXXX on XX/XX/XXXX, after I requested a detailed statement of what I had paid them and how the XXXX they had got a judgement against me XX/XX/XXXX, XXXX. I did not receive a detailed statement just a statement of what I owed.I contacted the courts to try and find out what had been paid from the payments I had given Allianceone. and that was how I found out about their attempt to garnish my bank account. The statements that I got from the courts of what what was paid by Alliance on my behalf do not seem to add up. The judgement amounts that Allianceone claims does not match the amounts from the courts, they also sent me a late payment notice XX/XX/XXXX, that had the account and ticket number that had been paid off XX/XX/XXXX. I think that they have violated the deceptive practices law. Not to mention lousy bookkeepers that use a lot of deception to cover their math skills ( or lack of ) .I sent a registered letter to them XX/XX/XXXX for a detailed accounting but never heard from them