davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (DE)

My NFL Extra Points Visa credit card with Comenity Capital Bank features an advertised benefit of 0 % interest of purchases over {$250.00} to pay for XXXX tickets, which is clearly stated in the terms and conditions of the cardmember agreement. 

My season tickets with the XXXX XXXX are eligible transactions under those terms and conditions and were charged to my card in 4 equal monthly installments ( @ {$2500.00} each in XXXX, XXXX, XXXX, and XXXX. ) Only the first transaction ( in XXXX ) was placed in the 0 % promotion correctly. The subsequent transactions were treated as normal transactions and have been accruing regular interest. 

I reported this issue after receiving my XXXX statement when the 2nd of the 4 transactions ( made on XX/XX/22 ) was not reflected on my statement as being in the promotion. I was told a dispute would be opened and resolved within 90 days. I never received any acknowledgment the dispute was opened. On XX/XX/22 ( beyond the 90 timeframe ) I called again to check the status as I received no communication as to the resolution of the dispute. I was told it was " never worked '' and that a new dispute would need to be opened. I again have received no acknowledgment of a dispute or been contacted about it, to date. 

For the last 6 months I have had to manually calculate my true balance owed and pay that amount each month by paying my entire monthly statement balance minus the transactions that should be on the promotion. Each month the interest is continuing to accrue and compound. This has also resulted in Comenity mis-reporting my account status to the Credit Bureaus with a monthly revolving balance when in actuality I have been paying off every transaction made that month in full. This is now negatively affecting my credit score. 

Transaction Details : XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was correctly treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] XX/XX/22 - XXXX ( XXXX XXXX XXXX ) [ this transaction was NOT CORRECTLY treated as a promotional purchase ] As of today, after my most recent statement closing date of XX/XX/22, I have been incorrectly charged {$1200.00} in interest. 

In addition, those same 3 transactions that were not correctly treated as promotional balance transactions also were not given the advertised 3x rewards points that XXXX team purchases are eligible for, as outlined in the terms and conditions of the cardmember agreement. They each received only XXXX in rewards points instead of the correct XXXX they each should receive. That is a difference of XXXX reward points that are due.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am so sick of this. There is an account with XXXX XXXX XXXX XXXX that I have been fighting with for some time now. They are listing two accounts which is not correct to start with because there was not agreement signed for this second loan. What they did is reporting past due payments as an entirely new account and still reported the late payments on the initial agreement. To make a long story short, they notified us that the collateral was being auctioned when we thought it was being paid by the insurance company. As soon as we were notified we paid the amount in full. TransUnion is the only one reporting this false account and not just the fact there was not an agreement for this to be showing as an account but also the fact THERE IS NO MONEY DUE. Also with the initial account this thing shows it opened XX/XX/XXXX and using the correct statue date that would mean the initial account payment history would have shown the account 30 days late XX/XX/XXXX therefore also making it past the statue. So TransUnion has violated, the FCRA by reporting a false account, an incorrect balance and PAST THE STATUE of limitations.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am submiting you this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} AR OFF OF CHILDSPRT ENFO XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

i am sorry to use cfpb for this. i want value my relationship with chase. i received 2 notices recently indicating perhaps there is a change with apr in my cards. i hope not. I called and could not get a straight answer they should not be more than 17 percent apr and typically i dont pay interest but i need this clarified. Also i am asking for a favor i had to buy another car on card ending XXXX  i chose my cchase cards i could have chosen any pleasse note i will ask for my interest back. this would mean a lot. it will take me a while to pay it. just due to hard times. thank you and please clarify the aprs on all my cards they did not go up please i am unclear. thank you for valuing me as i do you also have been unable to sign up at credit journey as well
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with Equifax, XXXX and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

on XX/XX/2019 phh mortgage company took a XXXX payment out of my account after I had sent a XXXX amount as needed for my monthly payment. since they took over in XX/XX/XXXXfrom ocwen which I had a bank draft of XXXX  due on the XXXX of each month. when I saw it had not been taken out I did so. but so did they so it over drafted my account over XXXX dollars. on the 1XX/XX/XXXX I called to have them fix this issue and was told it take 7 working days so nothing so again on XX/XX/XXXX I called was on line 45 minutes waiting to talk to someone they told me it be done asap and so again I waited a few days later I get a letter from them letting me know again 7 working days so even with the fact I had to borrow money to cover bills. then on XX/XX/2019 they took another XXXX out of my account. so I called and asked where was my money and again I'm given it was a miscode and it will be handled asap I've spent over 3 hours waiting or talking on the phone and as of this letter XX/XX/2019 I have no money in bank I'm also XXXX out in overdraft fees due to there mistakes and failure to refund my money. I understand folks make mistakes however how long does it take to fix this?????
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2022-12-15
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (PA)

FIRST PROGRESS CARD has recently marked me late on 2 accounts that i opened with them. Im not even sure why ... .i still hadnt even activated the cards or used them and they marked me late on a yearly fee that they charge ... .i understand about the yearly fee but i wouldnt think that they would mark you late without the card being active,,, i got these as a credit builder option and they have done th opposite ... .i am really looking to purchase a home and this killed my credit
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (AL)

I RECEIVED AN ALERT ON MY XXXX ACCT. 
THE PERFECTION COLLLECTION LL HAS REPORTED A COLLECTION TO ALL 3 CREDIT BUREAUS. REPORTING A BALNCE OF XXXX. THIS IS INCACCURATE. 
I WAS NEVER CONTACTED BY PHONE OR MAIL. 
I CURRENTLY HAVE AN ACCT WITH VIVINT, THAT IS SET UP ON AUTO DFAFT.
Consumer complaint received 2019-09-19
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. (CA)

XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY EXPERIAN.THIS REPORT ON EXPERIAN SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE INXX/XX/2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CSO Financial (OR)

In XXXX, I was drugged, beaten, and thrown into the street when a passerby saw this and called the police. An ambulance arrived and drove me the two blocks to the hospital. The medical debt from the hospital was forgiven due to the circumstances. I did not know that ambulances dont work for the hospitals. I thought the debt forgiveness was connected to the ambulance bill as well ( the bill was {$2000.00} ). 

I received a letter in the mail in XX/XX/XXXX stating I owed the money from the ambulance, from CSO financial, saying I owed {$4500.00} due to interest. I called them right away and told them there was a misunderstanding because all the medical debt was forgiven and that I could send them the letter from the hospital, my medical records, and reports to prove this. A woman seemed understanding and told me I was probably right and to send the information over. I did so and did not hear back from them and so I assumed everything was cleared up. 

6 months later they went into my bank account and took {$1500.00}. I immediately called CSO begging them to please return the money so I could pay my rent. I didn't have money for a deposit/first month rent/last month 's rent, on a new place, and could not afford to be evicted right now. I begged them to let me try and work this out. They refused. A woman told me there was no way to give the money back at this point and that I should try to get a payday loan or a family member to pay my bills. My rent, my car payment, and my life took a hit. I was evicted because of this, which led me to lose my job. I lost my job because I was in between homes and not able to make it to work on time, every time. The fear, and trauma from that night was felt all over again. 

I lived through a traumatic night, to be harassed 7 years later, to be a victim to it once again. I don't see how it can be legal to make someone lose their job, and their home for a medical debt that was not their fault. This is probably a long shot but I don't want them to do this to anyone else. No one should have to go through what I went through. I hope someone investigates them. 

As for me, I found a new job and was lucky enough to be allowed back into my home of 5 years. My roommates fronted the bills so I could move back. I was lucky. But what about the people who arent so lucky? Maybe this is why our homeless problem has skyrocketed over the years. Please investigate them. They are still harassing me to this day and I don't know how our country lets businesses treat its citizens this way. 

Thank you for reading.
Consumer complaint received 2019-07-09
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. (MD)

Transunion is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and Transunion is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.
Consumer complaint received 2022-12-15
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was contacted on Monday, XX/XX/XXXX by XXXX at Huntington Bank ( XXXX ) in regards to an account for XXXX XXXX. The account was short-paid last month and they have been trying to get in touch with the primary account holder, XXXX XXXX, but had been unsuccessful and needed to speak with me. 

I returned their call on Tuesday, XX/XX/XXXX and informed them that XXXX XXXX is my ex-husband 's business. We divorced in XX/XX/XXXX and I no longer have any interest in the business. I asked them to remove me from the account. 

I was informed that I was a guarantor on the loan and they could not remove me. Again, I repeated that I have nothing to do with the business and am not on any loans. I was told that I was on a loan back in XXXX and they rolled that into new loans in XXXX and again in XXXX. As a result, I am still listed as a guarantor. 

The XXXX loan was repaid, in full and on time, by XX/XX/XXXX. My divorce was approved by the court and I ceased to have any interest in my ex-husband 's company in XX/XX/XXXX. 

My ex-husband requested the business funds in XX/XX/XXXX and XX/XX/XXXX. I was not notified of any loans where I am listed as a guarantor and would not have approved this. I was never contacted by a loan officer to confirm that I wanted to be listed as a guarantor. 

Now, Huntington is telling me that I need to seek legal help to get off the loan or have my ex-husband refinance it without my name to remove myself as a guarantor on a loan I never even knew about. I have been requesting copies of the XX/XX/XXXX and XX/XX/XXXX loans that show me as a guarantor and Huntington is not responding. I have contacted XXXX both via e-mail and phone. I have a copy of the original loan, which was provided by Huntington.
Consumer complaint received 2019-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I borrowed {$400.00} and the payoff 1month later is {$690.00}. The interest rate is super high. Didn't explain it properly. Then I learn that they are a third party lender. Help. Highway robbery.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

I transferred funds from my personal checking to another personal checking on XX/XX/19. This caused my account to become a {$0.00} balance ( not negative ). On my XX/XX/2019 statement, First Citizens stated that I had 30 days to make a deposit to my account or it would be closed. OnXX/XX/19, I transferred {$50.00} from my personal checking to the checking account I transferred from onXX/XX/19. On XX/XX/19, First Citizens closed my account anyways. I contacted customer service first through the phone and they told me which branch closed my account and told me that I would have to speak with the branch. I went to the XXXX Branch because it was closer to my home and spoke with associate XXXX. She stated that my personal checking account was closed because I had not made a deposit since XX/XX/19, I told her that was not true and mention the transfer that I did. She searched for the transaction and stated that she did not find where I had made a transfer. I pulled up my bank statement and showed her where the transfer was perform onXX/XX/19 and she stated that I would need to speak with Mobile Banking to find out where my transferred funds were because the system does not have record of a transfer, which is probably why my account was closed for failure to make a deposit. She printed my statement and gave me the number to Mobile Banking. I called mobile bank and they initially could not find my transferred funds, but after an hour on hold and going back and forth, they found my transferred funds and stated that it would be put back onXX/XX/19, into the account I originally transferred from. I asked the mobile banking rep, why was my account closed when on my statement it says I had 30 days to make a deposit. He stated that 30 days started when I made the transfer on XX/XX/19, I asked him to email me the disclosure or account agreement that stated this, and he stated that it was on the bottom of my statement, I viewed the print off of the statement from the branch, and it does not specify from the transfer date or statement date, but I assumed that since it was on the bottom of theXX/XX/19 statement, that I had 30 days from that statement date.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

experian offered me a free annual free credit report, for XXXX, which will turn into XXXX as soon as i give them my card number. i am trying to get a loan to buy my home. i need to give the bank a report not a score but a report. how can you halp get my free report not just my score. XXXX XXXX
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2017, I did my banking at the XXXX Huntington Bank of the University of XXXX, at XXXX, my transaction was exactly at XXXX, it consisted of me giving out my name, address, city, state and ID number from one of my debit cards. At XXXX, another debit card of my from a different banking institution was closed out. The bank employees females were XXXX and XXXX. I found out later in the evening from my other banking institution that someone from a bank called and had my account closed. Since XXXX has been working at Huntington Bank she has harassed me and a month ago I had to report her. I know she had something to do with my account being closing she also on several occasions would ask if wanted to deposit my money into my debit account so that she would have access to it. Both of these employees have committed fraud, violated confidentiality laws and violated my FERPA as that this involved my school account at the University of XXXX Huntington Bank in XXXX, both of these employees have been watching me and my accounts for several months. They also did an unauthorized credit check to find out what accounts I had in my name.