davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MD)

I have an XXXX XXXX Mastercard through Barclay 's bank which is supposed to give me XXXX free piece of checked baggage on a XXXX or XXXX XXXX flight. I was charged for baggage both legs of my rountrip flight. I called Barclay 's bank and was told i should call the airline. Since Barclay 's is the card company, and they sold me the card with the promise that i get XXXX checked bag for free, i feel like it is the card company that should reverse the XXXX {$25.00} charges. They say the fine print requires that i make the reservation using the card, but the brochure that came with the card simply says i get a checked bag for free in very clear print. I have attached this document. Note that it does not qualify the promise of XXXX free checked bag with any mention of other requirements, whereas the paragraph regarding getting a discount on in-plane food specifies that the credit card must be used. 
I also got cut off from the call with Barclay 's after a long wait. The second time, I spoke to a manager, who also told me to call the airlines. Since Barclay 's made the promises, I feel like Barclay 's should refund my {$50.00}.
Consumer complaint received 2019-10-09
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. (CO)

XXXX and Transunion are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FC HoldCo LLC (CA)

The loan I applied for on XX/XX/XXXX and was denied on XX/XX/XXXX. The dealership mailed a signed " notice of election to rescind '' the contract and I was pressured to return to the dealership during the third week of XXXX. The salesman I originally worked with was not on site to explain what was going on but I had to sign some new paperwork and was told that my {$1000.00} deposit was being moved to a new contract that would allow me to keep the car. This new contract was signed that same day during the third week of XX/XX/XXXX. One week later Flagship Credit Acceptance contacted me saying I had a payment due in two weeks. My first two payments to Flagship were deemed late and when the Flagship representatives asked me why I was making late payments, I explained that I was under the impression that I did not owe them money and that I was confused as to what was happening. I've since then, located a copy of the Notice of Election to Rescind and contacted Flagship to ask for a copy of the contract they are executing. I contacted Flagships customer service via email on XX/XX/XXXX along with a supervisor by the name XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail. I also contacted another supervisor, XXXX XXXX, via email on XX/XX/XXXX. In each email I have attached a copy of the " notice of election to rescind '' for the contract dated XX/XX/XXXX and asked for a copy of the contract being executed. The company will not respond to me and continues to report information to the consumer reporting agencies that is damaging to my report. Please help.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (OH)

Today, XX/XX/2019, my payment was taken out of my account twice. So instead of taking {$220.00}, they have taken {$440.00}. I have called the company at least eight times. Twice, holding for longer than 20 minutes and never speaking to anyone, the rest of the time receiving a message saying user not available. I have also emailed the company twice today asking for a call or for them to fix the double post. Their double pull has caused my bank account to go negative and they have taken my money that was meant to pay my other bills, so those will be late as well. It seems as though they are avoiding issues as all of my contact has been made within their business hours. I will now be getting late fees for my other bills and overdraft fees from my bank. I read today that the FTC has sued them previously due to customer payment issues and I think there should be a way that customers can get out of this loan without penalty and move it to a bank or credit union and this lender should be shut down.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

I sent CCI a letter asking for debt validation 2 months ago and did not receive a response. I then sent an additional letter asking for debt validation and I received a notice back just stating what I owe and a breakdown of a bill. I did not receive a letter or statement with my signature on it creating the debt even though that is what I requested. Two weeks later I received a letter stating that they do not handle the XXXX XXXX account anymore and that I need to reach out to XXXX XXXX! Even though they are reporting on my credit that I owe a debt to them! I sent a letter politely asking for them to remove their remarks with all 3 credit bureaus since I no longer owe them a debt and because they cane verify that I owe them a debt. I have not heard back from them regarding this matter and according to the Fair Credit Reporting Act I am well within my legal rights to request validation and if it can not be provided to me than they must stop reporting this debt the the credit bureaus. This collection agency is preventing me and my family from buying a home and living a comfortable life which I do not see is fair!
Consumer complaint received 2019-06-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXXXXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to CBRP. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have  attached supporting documentation. 
Accounts Court # XXXX Court # XXXX
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

Paid them more that the original amount owed. 
About a year ago XXXX of 2018 i received a phone call from XXXX with XXXX XXXX stating that that I had an account in collections and in order for them to close the account i needed to make a payment. She further went on saying that I needed to pay more than the original amount, due to the interest accumulated, past due charges accumulated and a fee for having my file in there office. I knew about the account she was talking about and i went a ahead and paid them {$450.00} when the original amount was {$360.00}. They were supposed to send me a letter by mail stating that the account had been taken care of, which i never received. I call back to request one and they did send me one. The letter did not have the original creditor 's name, original account number or a signature. I did noticed that the paragraph on the letter had a different creditor name who was not the original creditor. I have had more calls from the original creditor stating that my account is still open, meaning that XXXX XXXX never sent the payoff letter to the Creditor. The original credit then passed accounts to someone else and my account is still open. I have called XXXX and I have also talked to XXXX XXXX asking her to please refund my money back and they keep telling me that they will send a letter. I told them about what i hand noticed on the first letter and out of no where they went back and changed it up. I have been dealing with them for the past year and I can not get this fixed. They were supposed to get back to me and i have no hear back from them. I have tried calling them back and they have blocked my number.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

Medicredit is a collection office whom reported me to credit, lowering my credit score, holding my plans to sign contract to build my new home. The original account name is not under my name But one of the Medicredit representative wrote I stated that I changed my name and therefore acquiring the debt. I never stated I changed my name. I always had the same name. When I confronted this office about the fraud their representative did, they refused to speak to me. I want them to remove that Fraudulent Debt reported in my credit line.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I tried to make a payment on time after logging on to Capital One 's web site. An error appeared with instructions to 'try later '. I followed the instructions and made the payment later. Capital One marked the payment late. I complained and Capital One apologized and refunded the late fee. I have demanded Capital One remove their internal or poroprietary record that contains what they claim is a late payment. I have phoned and emailed Capital One multitudes and they keep telling me the fee was refunded. I want written acknowledgement from Capital One that there was no late payment made, and that their faulty web site gave me instructions after an error. Capital One keeps mentioning the Fair Credit Reporting Act and the refund. This has nothing to do with any report to any of my credit files. Capital One refers to a 'late payment ' when I request account adjustments or credit increases.
Consumer complaint received 2024-03-04
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. (MD)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$680.00} and list of Inquiries. 


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 2024-03-04
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. (CA)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dlr Svc # XXXX is showing inc. in bk but it was not. Need the credit tradeline udpated. it is preventing me from refinancing. I called wells fargo several times and they will not provide a letter stating it was not in a bk or remove it from reporting that way. This account was never in a bk.
Consumer complaint received 2019-06-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent out dispute of information reporting to bureau, came back VERIFIED, sent request for method of verification as my right in accordance with FRCA, no response was given to my request within reasonable time frame ( 15 ) days to ( 30 ) days. Instead an automatic XXXX XXXX response was sent 3 times stating that it had been verified disregarding my request for what method was used to verify this account. That is clearly in violation of my consumer rights even disregarding a solution or anything to the previous complaint I submitted to XXXX. I am demanding that this account be REMOVED PROMPTLY, as they were in CLEAR violation of my rights according to FCRA 611 ( 6 ) ( b ) ( iii ) I have attached supporting documentation. 
Accounts XXXX # XXXX XXXX # XXXX
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

My loan is with Navient. I stopped the auto pay, even called to confirm it was off of auto pay. They confirmed it was off of auto pay, they still pulled the payment. Once I noticed Navient pulled the unauthorized payment, they told me I did not take it off auto pay. When I talked to a supervisor gave him the date and time I called to take it off auto pay. they found the call log.. When I finally received my money back, I filled a complaint. Now my loan has {$6000.00} + in new interest when I called today Navient told me its back interest from 2013 I then told Navient to explain how all of a sudden I have interest form 2013, he told me that's just how it works. I asked to see in the contract where is the interest information. Now waiting to receive that information. I find it odd after I file a complaint my loan has $ 6,000+ in new fees on it. I have not missed a payment for over 24mo and even made payments when it was on in school deferment.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (RI)

Hi ( HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ) ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FREEDOM FINANCIAL NETWORK (NC)

In XX/XX/XXXX, I joined a debt consolidation program with Freedom Debt Relief ( FDR ). The terms included making monthly payments for 48 months. The funds to pay the enrolled accounts ( i.e. creditors ) were drafted from my personal checking into a dedicated account with XXXX XXXX XXXX ( XXXX ). The contract I signed with FDR stated, " You will, at all times, own and control the Dedicated Account ''. This is not the truth. 

In XX/XX/XXXX, I agreed to a stipulated payment agreement with the court after one of my creditor 's sued me. The funds to pay this judgement were paid through the dedicated account. In XX/XX/XXXX, a lien was place on real property that I was an heir to. Since I had enough funds in this dedicated account, I contacted FDR and requested they expediate full payment to the creditor. The Attorney 's involved, as well as the clerk of court, needed proof the debt was paid in order to remove the lien and satisfy the judgement. A bank statement would have sufficed. After multiple contacts with FDR and XXXX, they both failed to assist me with this matter. FDR referred me to their client dashboard, which shows account balances. XXXX guided me to an account ledger that is in a .csv format ( i.e. XXXX spreadsheet ). Neither any of the Attorney 's, or the clerk of court, would accept this documentation. 

The FDR program, and their contractors ( XXXX XXXX, need to allow access to this dedicated account so that participants of the program can show proof that a creditor was paid. Instead of doing so, participants have to reach out to creditors ( which was advised against in the beginning of the program ) to request payment in full letters on the creditor 's letterhead.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX || Date of inquiry : XXXX/XXXX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (NJ)

On XX/XX/XXXX I received a call from Matrix Card Continental Finance saying that my card payment is past due. I pay my cards every month on time. She said it was the {$12.00} monthly fee and she would only take payment on the {$12.00} fee for XX/XX/XXXX and also for XX/XX/XXXX and a late fee for a total of {$35.00}. This is absurd! When I try to use the card most vendors do not take it. It is extremely embarrassing to give a vendor your card knowing there is NO balance and it being declined. In speaking to the customer service rep she gave me attitude and we had it out. I told her I would pay my bill online. When I went online I was unable to access the account and after speaking to a new customer service rep she too was unable to access or allow me into the system. I am not exactly sure why I keep it open other than to allow my daughter to use it. THIS IS ABSOLUTELY THE WORST CREDIT CARD! After being told I would have to request the account be reinstated and a new account had to be started, that was all a lie. I paid the fee and all they did was reinstate the existing account.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

for the last two weeks I have tries to resolved this issue on my own. There are several inquires on my credit report that I am unaware of. I called Transunion to inquire and to see if u can dispute them, Each rime a different representative told me that they can not help me. So I asked for the fax number, I was told at the time the fax number no longer is operable. the fax number I called is XXXX. 
the inquires are as follow : Creditor Name : - XXXX XXXX- XX/XX/ and XX/XX/ XXXX XXXX XX/XX/