davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

On two of four billing cycles with my XXXX Credit Card ( Comenity Bank ), I was charged late fees and interest. In all four instances, the payments were sent electronically by my bank ( XXXX XXXX XXXX  ) well in advance of the due date. Each statement also clearly states that finance charges would occur if the payment was not received ( as opposed to cleared or processed ) by the due date. In the two cases where I was charged late payment fees and interest, both payments were sent electronically 7 days ( XX/XX/XXXX ) and 8 days ( XXXX XXXX ) in advance of the due date ( XX/XX/XXXX and XXXX XXXX respectively ). My bank advised that I allow 5 days for each payment to reach Comenity. My bank record show that neither  payment was cleared ( processed ) by Comenity Bank until 8 days ( XX/XX/XXXX XXXX and 12 days ( XXXX XXXX ) respectively. One of the four billing cycles in which I was not charged a late fee was when the payment was sent on XXXX XXXX ( due XXXX XXXX, cleared on XXXX XXXX ) and XX/XX/XXXX ( due XX/XX/XXXX, cleared on XX/XX/XXXX ). 

I called XXXX after receiving the late fees and interest charges on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared on XX/XX/XXXX ) and the XXXX agent acknowledged the mistake and removed the charges. I notified Comenity ( instead of XXXX ) the second time it happened, on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared XX/XX/XXXX ). I also want to note that I sent the XXXX payment on the same day that I received the XXXX. Statement from Comenity via email, just to make sure the payment got to Comenity on time. In my secure message conversation with Comeity about the problem, their agent informed me that they waived the XXXX charges as a onetime courtesy and refused to entertain the idea that any fault may lie in their management of my account. I then contacted XXXX and the XXXX agent removed the fees, but said it was because XXXX did not want to lose me as a customer. Like Comenity, she would not consider the idea that there may be some problems with how Comenity is managing XXXX customer charge accounts. 

I paid off my balance with Comenity, minus the late fees and interest charges and will cancel my XXXX charge account after the payment for items I bought since the XXXX. Statement clear my bank. Although my problem has been resolved, I am filing this complaint because I have serious concerns that other XXXX and Comenity Bank customers may be experiencing overcharges with respect to late fees and interest charges on balances. If it happened to me in two of only four statements total ( 50/50 chance in my case ), and I still don't know how to avoid the problem in the future. it seems likely that this may be happening to others who do business with Comenity or XXXX.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The problem is with Transunion. I have already successfully placed security freezes on my record with XXXX  and XXXX. The process at those two companies was seamless and easy. Transunion has made the process difficult. I'm doing this over the phone because I DO NOT WANT TO HAVE TO CREATE YET ANOTHER ONLINE ACCOUNT! First, I couldn't complete my freeze with Transunion on XX/XX/20 ( yes, XXXX XXXX holiday when I had some extra time ) because they said their office was closed. But it was an automated phone system -- why does it matter if their office is closed? It worked fine on the holiday with the other two companies. Second, when I called back on a work day, I put in all the required information and they still made me wait on hold to " talk to a company representative. '' When I finally reached an actual person, the first thing they did was ask for my SSN. I'm not comfortable giving this information to an individual person. I want to do it on the automated system. But every time I try to place my security freeze with Transunion, they funnel me to a person whose main interest is in selling me services. Please crack down on this behavior and require Transunion to make the process of freezing one 's credit easy, automated and SECURE!
Consumer complaint received 2018-05-21
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: Experian Information Solutions Inc. (MN)

I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.
Consumer complaint received 2022-03-07
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: Grain Technology, Inc. (GA)

XX/XX/XXXX I noticed that an account with the grain technology and an unknown address was open on my credit report so I filed a dispute. XXXX of that same year a collection dropped on my Credit report. I sent letters and continue to file disputes with all three bureaus. 
Ive reached out to grain technology on several occasions via email, calling in hopes to speak to a live person and even sent them letters in the mail. In XX/XX/XXXX someone finally reached out to me via email and I thought maybe we can finally get the issue resolved but the company was not able to find an account associated with my name. I was told that someone will reach out to me within two business days to help me with the issue I was having. Days and days went by and I still have not heard from them. After 20 plus disputes and endless phone calls and ignored emails here I am finalizing a complaint. This account is also linked to an address that Ive never lived on.
Consumer complaint received 2018-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was contacted by XXXX XXXX. and they submitted some documents that did not verify that the debt belonged to me, the debt was opened at XXXX XXXX XXXX XXXX XXXX in the year XXXX, That company has malicious intent, they sold the debt to a collection company, unethical business tactics.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Purchased glasses from a XXXX company ( XXXX XXXX XXXX ) through PayPal. Started a dispute with them in XXXX through my bank to get money back being that it was debited from a wrong account. When I received glasses from XXXX from XXXX the lenses was not made properly and was told by XXXX to break glasses and send pictures if smashed glasses. I did. Still have not received refund from XXXX or PayPal and has been three months. Every time I call Paypal get a different response with nthing happening. I have smashed glasses and no money refund from either XXXX or PayPal.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (CA)

These inquiries don't belong to me I didn't authorize them. 
XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I signed up for a Bank of America " Travel Rewards '' card which pays " credits '' for each purchase made on the card. " Credits '' are then redeemable for cash rewards as reimburse for travel expenses. Bank of America provides a list of travel activities which qualify as a reimbursable expenses. Among those qualifying travel activities is airport parking. This list of qualifying travel activities is provided to the credit card customer at the time the credit card is issued, and represents a contract between the customer and the credit card issuer regarding use of the card. Even though Bank of America lists airport parking as one of the qualifying travel expenses for which I may claim cash reimbursement, they have refused to honor the terms of the agreement. When I brought this before Bank of America customer service, they responded that some airport parking vendors are " coded '' one way, while other airport parking vendors are coded another way IN THEIR SYSTEM. This coding would be unknown to a card holder, who simply relies on the Bank of America assurance that airport parking is a reimbursable expense. It is a FRAUD and a DECEPTIVE PRACTICE by Bank of America upon consumers who agreed to use Bank of America credit cards with expectation of the bank abiding by the written terms provided to them by the bank.
Consumer complaint received 2019-11-08
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. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTE WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 I submitted a remittance payment through XXXXXXXX XXXX XXXX to Capital One for {$380.00}. Per UCC 3-603/3-12, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Friday XX/XX/2022 I visited my local capital one branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX to make a ATM deposit of {$400.00}. When I inserted my cash into the ATM the machine shut off and ultimately took the {$400.00} without depositing it into my account. I immediately went into the bank and spoke to a teller who stated That ATM is always giving a problem and you will have to call customer service as we cant help you because the ATM isn't affiliated with the bank. I was taken back by what the teller told me, but I went back to my car and proceeded to call the number that I was given to file a claim. After sitting on the phone for 35 minutes the customer service representative told me if I wanted the credit expedited I would have to contact the number back the following day and request it. On Saturday XX/XX/XXXX I did just that, I called to have to the credit expedited to my account. I was then told that the department was closed and Id have to call back on Monday when the department would be open. Today, XX/XX/XXXX I called Capital One once again to have my money expedited. The original representative transferred me to a supervisor who was very unprofessional may I add, I explained the situation to her and she stated that the claim for my provisional credit to be expedited would continue to be denied and when I asked her why it would be denied she stated no reasoning after getting off the phone after 1 hour I still have no insight on when I will be receiving my {$400.00}. No one at capital one that I have spoken to over the course of 3 days has been helpful nor given me any new insight on when my money will be credited to my account. This scenario is an inconvenience to my financials and not getting the help from my banking institution has not made this any easier for me.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX I deposited a check last night from my husbands bank to my bank, this bank is holding my check until XX/XX/XXXX, thats 12 days away and they are refusing to release my funds.I put in a check for $ XXXX.Three weeks ago I put the same check in for {$1000.00} and they had no problem realeasing the money then.Its illegal for them to hold money especially when we just got hit with a major storm and we lost all our food.They dont wan na heat anything they just keep telling me they refuse to release it.I will be closing this account ASAP after my money is cleared.This check already released the money from the other account into my account thats why we are so upset.They do this all the time! Horrible customer service.
Consumer complaint received 2022-03-07
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. (MO)

I disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose to do.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers
Consumer complaint received 2018-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (IL)

I began the process of a debt consolidation refinancing in XX/XX/XXXX. All forms were submitted and approved. I was sent the application to sign that would allow the appraisal and closing process to begin. Once I signed and submitted the paperwork the loan officer NMLS # XXXX did not return phone calls nor did his manager. Once I did receive a call back. I was told the application documents are computer generated and I was not approved based off income. When he verified income to produced application for signature. Then I was sent a letter stating that I indicated I no longer wish to proceed. A lie.
Consumer complaint received 2019-11-08
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. (NJ)

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Consumer complaint received 2022-06-16
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: Southern Management Systems Inc. (IL)

In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST ACCOUNT NUMBER XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.
Consumer complaint received 2018-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (IA)

Dealing with this company has been utterly ridiculous. They've had my account since XX/XX/XXXX, yet I still can't view my account details online nor make a payment online. " Due to the status of your loan, please contact us directly to discuss available payment options and verify amounts due. '' My XX/XX/XXXX payment date came and went because they wouldn't allow me to make a payment due to their 'auditing ' of my new account. Finally on XX/XX/XXXX I was allowed to make what should have been my XX/XX/XXXX payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} ... but, they applied it incorrectly to XX/XX/XXXX. I  had already made my XX/XX/XXXX payment to my prior servicer. So, I rounded up the documentation and submitted that to them approximately 2 weeks ago. They still haven't resolved that issue. In the meantime, my XX/XX/XXXX payment is now due. I called on XX/XX/XXXX and spoke with Rep ID XXXX, XXXX, and she told me they can't accept a payment at this time. I asked her why not because they already accepted that previous payment from me. She said my account was still being audited. It's been 2 full months now since XXXX has had my account and they still haven't resolved my misapplied payment nor will they allow me to make my XX/XX/XXXX payment. What terrifies me now is they are going to end up reporting incorrect information to the credit bureaus. Calling XXXX is a complete waste of time. Every rep you speak with seems to know very little about the process and they offer no solutions.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY PULLED A CREDIT REPORT AND NOTICED SEVERAL ITEMS THAT DID NOT BELONG TO ME. THERE WAS A XXXX ACCOUNT(XXXX) WITH A BALANCE OF $XXXX, XXXX(XXXX), XXXX XXXX   (XXXX) WITH A BALANCE OF $XXXX, A BANKRUPTCY (ref # XXXX/COURT: Us bkpt ct ca la), AND A HOST OF CREDIT INQUIRIES IN THE INQUIRIES SECTION OF THE CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THESE FRAUDULENT ITEMS BUT WAS TOLD I NEEDED A POLICE REPORT TO EVEN GET INFORMATION ABOUT THE ACCOUNTS FROM THE CREDITORS.  I HAVE GOTTEN A POLICE REPORT AND I AM FILING THIS AFFIDAVIT TO HELP CLEAR THESE ITEMS FROM MY REPORT. i HAVE NOT PURSUED CREDIT WITH ANY OF THE COMPANIES LISTED ABOVE NOR HAVE I GIVEN ANYONE PERMISSION TO USE MY INFORMATION IN THE PURSUIT OF CREDIT.
Consumer complaint received 2018-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (NC)

On XX/XX/XXXX I received an email saying that I had a " Google Pay Balance Statement ''. I was not aware I had a Google Payments account, so this was an alarming revelation. 

I logged into the account and attempted to close it, but instead of closing the account, Google displays a message " We're currently unable to close your payments profile due to the Google subscription services that have been used with this payments profile. '' I contacted Google support and was told that I had an active XXXX XXXX cell phone plan. I advised that I have NEVER had XXXX XXXX service. I did click a " notify me when available '' option on a Google smart phone, several years ago, but I was never notified that the phone was available and instead use XXXX. Google support claims that this pre-order created a XXXX XXXX account. I advised Google that I did not want XXXX XXXX service and that the account should be closed. They advised they would escalate the issue. 

On XX/XX/XXXX I received an email from XXXX XXXX support advising that the account had been closed. I logged into the Google Payments profile but was still unable to close the account. I again contacted support and was told the issue would be escalated. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I again reached out to them. At first, Google support told me that they didn't believe that I couldn't close the account, myself. I advised I received error messages when I try to close the account and I provided screenshots of the error messages to Google support, via email. I was told that they would escalate the issue, again. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I reached out to them, via email. I received a response on XX/XX/XXXX that Google is refusing to remove my payment card and that they do not allow customers to close Google Payment accounts -- despite that option being presented on the Settings page. There is also a google support article titled how to " Permanently close your Google payments profile '' that provides steps. Unfortunately, following these steps results in the error messages I mentioned, previously. 

It is unacceptable for Google to refuse to remove my payment information, even after I have advised them that I revoke authorization for them to retain it. 

It is unacceptable for Google to refuse to close my Google Payments profile, even after I have advised them that I do not accept their privacy policy or terms of service.