davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

In XXXX XXXX, I opened a build.com credit card ( Comenity Capital Bank ) with XXXX to purchase appliances. I purchased a refrigerator/freezer set in XXXX XXXX ( from XXXX and charged it to my build.com credit card ( {$5200.00} total : each item {$2600.00} ). In XX/XX/XXXX I received notification my units were shipping. Only one unit came and it came with a big gash in the side. I refused delivery. I contacted XXXX and was told the set was discontinued ; therefore, I requested to refund both items since part of the set was damaged and now discontinued I couldn't get the matching pair like I ordered ; I also said to make sure my card was zeroed out before any payments were past due ( I was assured they would be ). I received two emails confirming refunds of each item ( one email on XX/XX/XXXX and XXXX email on XX/XX/XXXX ). In XXXX I received a collection call from Comenity Bank about a late payment. I told them both items were supposed to be refunded back to the card so no payments should be due. Apparently only one item ( {$2600.00} ) was refunded back to the card when I called in XXXX. I contacted XXXX about the issue of only item being refunded. XXXX then refunded the other item to the card ( end of XXXX- a month after I requested the refunds due to damaged/discontinued item ). In XXXX, Comenity Bank sent bill stating I still owed {$71.00} in fees. I contacted XXXX and Comenity Bank with no resolutions. On XX/XX/XXXX, Comenity Bank called again about a late payment. I told them I should never have had a payment for any late fees to be added to. They reduced the fees from {$71.00} to {$31.00}. I filed a dispute with Comenity Bank about the remaining {$31.00} because I should never have had any payments, fees, etc. because at his point, all I have is wasted time and frustration - no purchased items. So I am stuck with {$31.00} in fees because XXXX didn't refund both items in XXXX ( even though I have confirmation emails ). No other purchases have been made with this card ( before or after ). 

Note : I only saw one of the two units ( the one that came in damaged ). The second unit was never delivered to me nor did I get a delivery attempt. I never saw the second unit.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (MI)

I received an email from XXXX XXXX stating I had a new inquiry on XX/XX/2022. I had not inquired into any credit, so it was not my inquiry. I submitted a dispute to Equifax. The dispute came back as my inquiry. How do I get them to remove this inquiry? There is no contact information listed on my Equifax credit bureau to contact this company. The company is XXXX XXXX, XXXX
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one/Walmart XXXX XXXX XXXX XXXX XXXX, UT XXXX USA I have two of the same name and right there is inaccurate reporting in my credit report Amount is XXXX 2. Is for XXXX I know right there is fraud because u cant have two cards by the same name.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NV)

AMX improperly applied the payments I made over the minimum due to lower interest rate balances rather than highest interest rate balances. From my calculations, I paid approximately XXXX over the minimum payments due over the past several years. However, the balance on my highest interest rate balance has continually gone up instead of down. The highest interest rate is a cash advance rate of 22.49, purchases are at 11.49. Big difference. Not only has my high interest rate balance not been reduced by my XXXX over the minimum payments, the balance has actually increased from XXXX in XX/XX/XXXX to XXXX on my current statement dated XX/XX/XXXX. Since I have not taken a cash advance in the past 7 years, I believe that my purchases are inappropriately being applied to the cash advance balance in error. When I noticed all this was happening, I contacted American Express. I have made several calls trying to resolve this and get some help. The representative told me it would take 4-6 to resolve and that I would hear from the company in writing. That was on XX/XX/XXXX. As of today, I have yet to hear anything from AMX. After contacting AMX, my XX/XX/XXXX statement was adjusted giving a credit to my account for the Cash Advance interest fees for one month of {$290.00} and my minimum payment was reduced to {$170.00}. Also, my cash advance balance was reduced to {$1500.00}. I know this is a complex case and this error has occurred over several years so I was happy to see that it appeared that AMX was trying to rectify the situation. To my complete dismay, my XX/XX/XXXX statement has the cash advance balance at {$14000.00}. I do not know what has happened to my account, perhaps a terrible computer glitch, but it is not right or lawful. I have been charged all of this extra interest on incorrect balances all of these years. My purchases should be charged a rate of 11.74 % NOT 22.74 %. Also, my payments have been increasing over the years, from approximately {$300.00} a month to my current payment due of {$450.00} due to the interest being calculated on cash advance rates instead of purchase rates. Also, my credit has been severely affected because of my credit utilization percentage being so high.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I applied for the Chase Slate card on XX/XX/XXXX and was immediately approved. The following day on XX/XX/XXXX at XXXX XXXX I called Chase credit card customer service to discuss a credit limit increase. When I spoke with a representative she told me in order to consider me for a credit line increase they would need to pull a new credit report. I explained that they had just pulled my credit 10 hours ago which is how I was approved in the first place. The representative continued to repeat herself like a parrot and I wasn't able to get an answer as to why they couldn't use the credit report that was just pulled. I asked to speak with a supervisor and was told the same exact thing. Neither representative would or could tell me why they had to re-pull my credit report after just pulling it hours ago. I was approved via an automated system and all I was wanting was a human being to review my credit as my existing credit limits range from {$23000.00} to {$38000.00} and the Chase card was approved for {$9500.00}. Most times when you call they are willing to review the application manually and increase the line. I happen to be in the financial world and am an expert on credit. The practice of pulling someone's credit twice within hours of each other should be prohibited as it is unnecessary and excessive. I'm asking someone to look into this and get back to me with a response. Chase should be penalized for this business practice.
Consumer complaint received 2018-04-16
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)

Hi there - I am trying to resolve an issue with TransUnion. Back in XX/XX/XXXX they had a comment of " 39-serious delinquency '' in summary of my account. However, I have zero late payments - ever. and my detail on account by account basis shows that. I recently received a new copy of my report and the same factor appears as adverse impact on my account. However again, no late payments ever on all history. 
I just called TransUnion on XX/XX/XXXX and they deny that they are reporting that. I have a hard copy in front of me from XXXX and it is clear they are in fact saying that. 

I need help. 8 years of trying to rectify this to no avail. I have no debt and perfect payment record. This is absurd. I keep getting their XXXX call center, and no one is interested in making sure they are accurate. They just want to say they are right.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

On XX/XX/XXXX, i borrowed {$1300.00} from speedy cash and the first payment was ok {$77.00} and after that they were {$140.00} every other week and i am now unable to make these ridiculous payments cuz my hours have been cut at wk. I notified them but all i get now is i owe {$270.00} on XX/XX/XXXX, i am in default and i have sent emails and i get no reply i dont have a phone right now and i have asked for help maybe lowering the payments for a month or so they say to contact them if u cant make a payment and they will work with you. All they do is extend it 4-5 days out and tht dont help either! I am deperate i have called about filing bankruptcy and i may have to and i dont know what else to do.

Thanks in advance
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my payments
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (WI)

Commedity Bank calling excessively past 2 weeks. as a result of identity theft. Another individual fruadently used my information to obtain a XXXX XXXX XXXX, XXXX, and XXXX, confirmed with companies already
Consumer complaint received 2020-01-31
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 (NC)

In XXXX of 2020 I contacted Capital One when I was made aware that payments in large amounts had been posted to my account. They said to give it a few days, and see what happens. I didn't want my accounts closed, nor suffer any more loss because it had been a bad year for me already loosing my job and having to move twice due to Hurrican Florence. A week later, nothing and I called again to advise them that I had not made these payments. I also noticed a new name was added to my account as well as an authorized user in which I did not agree to. They took all that information off, and had me change my login in information and passwords. However not once did they offer to do anything more than wait and watch. A few weeks later I was notified that the payments where being returned and my accounts would be closed. I have made my payments on time and have been in a great long standing relationship with Capital One. I am upset they did nothing, nor offered me any assistance to keep me protected as the customer. Then closed both my accounts without warning and resulting in horrible credit scoring when I have been in process of trying to buy a home and this whole disaster has hit me hard. I can't get anyone now at Capital One to look into the fraud or investigate it. I have made a police report because essentially I am being punished for something I tried to handle and have been let down and abused after being a long time customer. I have attached the police report for your review. I have two credit card accounts with Capital One. 
( there is a portion that asks for the card number, I out one in there, but I have two credit cards with capital one and this incident happened to both accounts. Please reach out to me for second account number if needed or if they can use information provided to access both accounts. ) XXXX
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My complaint is about Wells Fargo Mortgage handling of escrow accounts. I refinanced with Wells Fargo on XXXX of XXXX. You would think that they would calculate local property tax during the refinance and in the middle of the year, but they do n't. In XX/XX/XXXX, Wells Fargo tells me that I owe {$13000.00} in taxes to them because of an error in escrow calculation. So now I am forced to pay {$13000.00}, which I do n't have or {$1000.00} extra in Mortgage which is outrageous. I called the escrow department and they said they only do escrow analysis once a year and nothing could be done about it. Wells Fargo has had a bad reputation on how they deal with customers. My only problem is that this could be a nationwide issue. Wells Fargo is trying to get people to pay more on their mortgage leading to foreclosure or some default. This issue needs to be investigated. I have a good job, so I am barely getting by, but they might be hurting vulnerable customers. Bad and deceptive mortgage practices like this are hurting many homeowners in the past and now.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I have been writing Equifax Consumer Reporting Agency letters and mailing them certified and faxing them for more than one year. I have asked them to only use my correct name as it is spelled and signed, XXXX XXXX. I am a consumer, a natural person and no one is helping me file this complaint. I also asked that they only list my current correct address and I have provided proof of said address where I have been at more than 2 years. This address is XXXX XXXX XXXX, XXXX, XXXX Missouri XXXX. Equifax responded that they can not delete inaccurate information because these inaccuracies are tied to accounts. this is not a reason to go against the law. The law says they must remove inaccurate information, so they are violating me and my rights and causing me suffering, economically and otherwise. I also declare that they remove my social security number from my report as I have never given them permission to publish this personal and private information.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

Over XXXX/XXXX/201 and XX/XX/2021, someone used my Amazon credit account with Synchrony Bank to make 10 unauthorized purchases totaling {$270.00} in charges. These items were shipped to my home. Under my Amazon account order history, there is no record for these items being purchased by me. I contacted Amazon and after explaining and they reviewed, they told me they could not help as there was no order history and Synchrony would have to open a fraud investigation. 

I contacted Synchrony and they opened an investigation on XX/XX/2021. Their website and investigation letters state, " We understand experiencing fraud can be upsetting and we want to assure you the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''. 

On XXXX, Synchrony closed the investigation and bill me stating that because the items shipped to me I am liable, even though I did not make the purchase or authorize the use of my store credit for this. I have provided them my Amazon order history and repeated this investigation cycle with them now 4 times. 

The second investigation was started on XX/XX/2021 and closed on XX/XX/2021 with the same results. A third investigation was opened on XX/XX/2021 and closed on XX/XX/2021 with the same results. A fourth investigation was opened on XX/XX/2021. I received a letter while on vacation on XX/XX/2021 that they wanted returned within 15 days where I indicate the charges were unauthorized. I faxed this to them on XX/XX/2021. They closed this fourth investigation on XX/XX/2021 and again bill me as liable for the purchase because they were shipped to me. 

They claim also that I should have shipped the items back. When I first contacted Amazon in XXXX and they said they could not help me, I threw the items in the trash several days later after opening the investigation with Syncrony. 

Through out all of this I have not been given any email that I can reach out to them, they claim they don't have one. I ask to speak to a director or manager and am told they do not have one. I have been bumped around from person to person on the calls with no progress and have had some even argue with me. So much for being " the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''.

I have spent hours and hours going rounds with them to get this resolved and it continues to go now where. I have provided clear evidence of fraud in both the history of the charge being erratic and odd and proof that these items are not in my Amazon order history. Synchrony Bank needs to clear this from my account and be held accountable for not clearing the fraud as they claim with their " {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''. These charges were unauthorized.
Consumer complaint received 2022-05-03
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. (NY)

Experian, XXXX,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on Experian you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX Account number XXXX Subject : Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ), I am writing to file a complaint of unauthorized inquiry that appears on my consumer credit report.

Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. t.

Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly.

thank you
Consumer complaint received 2022-05-03
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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