davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit reporting act XXXX and XXXX Bank has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666B ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Consumer complaint received 2023-03-24
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. (MO)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope this will be resolved as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (PA)

Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXX account number XXXX. 

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 agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I put a block on my credit card 3 times so no one besides me should use it. But each time my credit card was used. These 3 calls were made in the second half of 2017. All 3 calls were made from inside this Bank of America, the branch near me that I used. All calls are recorded. 

Bank of America 's Address : The Personal Banker directly calls the Credit Card Dept. for me. Faster and easier than calling the number on the back of the card.
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SD)

I have many issues with PNC Mortgage over the last 2 years. I have never been late and always make extra/principle payments. This past Tuesday I finally had it! They will apply my principle only payments as regular payments. I have sent in by mail indicating payment for principle only or escrow only! They still apply as regular payment breaking it down to the next month with interest added and escrow monthly amount. I can not pay online as I am charged a {$7.00} service fee. I always pay extra every 2 weeks so that adds up of do that over a long period of time. They suggested I do bill pay at bank. I do that and than call each time after posted goes to principle only. 
Now a few times I have to call back a 2nd or 3rd time after initial request that it has not done yet. This results in unnecessary callbacks in same issue for customer. To make matters worse hold time is awful I have waited 20 mins or longer to get someone on phone. Sometimes I get disconnected during call and I call back and put on hold for same duration. I had a XXXX hang up on me in XXXX as I was trying to reset up ACH plan with new amt as my PITI went up. I was frustrated on how to navigate website and could not understand what she was saying. I asked her to hold for a minute to make sure I can get on successfully. I said it 2 times. Because I didnt want to call back and put on hold for a long time over same issue. She said have a nice day and hung. Which I had to call back again. On Tuesday XX/XX/XXXX. I called 3 times over 20 min wait. To discuss my payment of {$500.00} was towards principle only. Spoke with a XXXX  id # XXXX. She was suppose to transfer money to principle only. Now today Saturday XX/XX/XXXX. Nothing has been done. So will be calling back today to once again ask for payment to go to principle. This has cause a lot of wasted time and unnecessary holds. I asked for a supervisor with XXXX on Tues. and put me on hold and came back and said not available I asked for them to call me back. No call was followed up with me. The customer service is terrible. The website is best for those with a PNC bank accts. I have NEVER been late with payments ever with PNC. I am trying to pay this mortgage off as soon as possible to not have to go through with this every 2 weeks. This was not my choice to have mortgage with PNC. My loan was serviced over from XXXX XXXX XXXX. 2-3 years ago. With XXXX I could pay principle payments online with no fees. And see an amortization schedule anytime. I rarely had to call customer service for any issues. I have had mortgage for over 12 years and never missed any payments. This has cause me a lot of wasted time, frustration and treated terribly as a customer. I hope no one has to go through this and get the respect they need.
Consumer complaint received 2020-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

Purchased an appliance from Sears in XXXX, Texas. Total cost, {$380.00}. Sears,  without my approval transferred my account to Shop Your Way MasterCard in XXXX XXXX, SD. Received account statement & an unsolicited MasterCard from this company. I did not request a MasterCard & never used it. 
Payments indicated ( correct balance due ) & {$28.00} monthly payment, first payment due on XX/XX/XXXX. I sent a bank check for {$84.00} to Shop Your Way, with the notification that I was paying the first three ( 3 ) months in advance, XX/XX/XXXX., XX/XX/XXXX., & XX/XX/XXXX.Company REFUSED to accept " Payments in Advance '', and notified me my next {$28.00} payment was due on XX/XX/XXXX. I notified Shop Your Way, in writing that I did not agree with this venal response, and my next payment was due on XX/XX/XXXX! 
Received statement from this disreputable cabal that I was being charged {$28.00} for " LATE PAYMENT ''! I did not make a XX/XX/XXXX payment, as it was paid in advance, I did not make a XX/XX/XXXX  payment, since this had been paid for in XX/XX/XXXX.

Statement from this sedulous company now claims I owe for three ( 3 ) " Late Payment '' charges. My correct balance due to Sears, not Master card, was {$300.00}. I mailed a bank check to this disingenuous company on XX/XX/XXXX, for {$300.00}, with the notification that this was PAYMENT IN FULL on my SEARS balance.

Shop your Way has refused to cash this check, Shop Your way employee and his supervisor have refused in a telephone conversation to inform me of my balance.

This is an example of the continued obstinate conduct of Shop Your Way MasterCard. 
I have paid the entire balance due for the purchase of an appliance from Sears. 
I did NOT sign any agreement with MasterCard, and I believe that I have paid my balance due in a timely manner.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted capital one in XX/XX/XXXX as I was laid off. On a recorded call, I made capital one aware that I was still fighting to get unemployment, which was just approved this week on XX/XX/XXXX, and I could only pay $ XXXX/month. Granted one of the agents was an overseas agent who may not fully have understood my request, which is why the jobs shouldnt have been outsourced as they do not fully understand what theyre agreeing to and it harms consumers later. She walked me through signing up for a payment assistance plan for 90 days. However, capital one marked my payment late and is reporting late for an amount of {$230.00}. I can not pay that much money. While the unemployment was finally approved, I also received a new job offer. And they didnt back date my unemployment to the date of lay off because my separation letter had a XX/XX/XXXX date. As much as I would like to pay more than {$50.00}, I can not. I have to now pay my rent which is over {$1000.00}. The lump sum from unemployment will only be for three weeks, so thats only {$820.00}. I will not start my new role until XX/XX/XXXX, which means I wont get a paycheck until XX/XX/XXXX since I start in the middle of a pay period. 
I called capital one last week on XX/XX/XXXX to inquire about the status of my account. I spoke to a supervisor XXXX with ID # XXXX. I explained to her the call was recorded on my end and capital one end so my info can be verified. She denied reducing my monthly payment even after giving her the facts. 
I also called XXXX in the executive office and left a VM. She never called back.
Consumer complaint received 2019-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NY)

I had a car loan with PNC XXXX. Loan was paid off onXX/XX/19 and I received the car title and lien release letter appropriately. PNC continued to debit my bank of america account with XXXX on XX/XX/19 as loan payment. my PNC online banking was closed abruptly ('standard procedure') so that I could not even stop payments on my own.I called PNC onXX/XX/19 to stop payment, case number XXXX XXXX XXXX. I am being given the runaround as to when I will get my money back. I am asked to call my Bank to file a dispute as to why the money has not been refunded to me. Apparently, the payment was never received by PNC. Then I am told it will take 14 business days. Then some extra days for this transfer or that.This is not the first time me contacting another consumer organization to help me with PNC. 30 mins on the phone call and no help in sight.I dont know what to believe.
Consumer complaint received 2020-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OK)

XXXX XXXX has wrongfully placed this debt, they have absolutely no proof that I owe this bill. They have failed to provide me with billing address, and billing dates of the alleged place of service. I also ask for a copy of the contract that was signed to initiate these services and I have not been provided with one. Also, I want to know what where the services provided for this amount in question. I have not gotten any answers to these questions or documentation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed a automotive repair charge, then the automotive repair facility said they would fix my car, so I cancelled the credit card dispute. 
Then the automotive repair facility refused to fix the car so I tried to re open the dispute with my credit card and they said they do not re open disputes,?
Consumer complaint received 2020-02-22
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. (TX)

On XX/XX/2020, I called Experian to dispute a collections account reflected on my credit report by XXXX XXXX XXXX   XXXX. I informed the Experian customer service rep I spoke with, that I was disputing the account because the charges reflected on my credit report are for pest control treatment which I am not responsible for, and which my former Landlord ( XXXX XXXX ) is responsible for. Subsequent to the phone conversation with Experian, I uploaded a document on Experians site which outlined the reason for my dispute on the account. On XX/XX/2020 I was notified by email that the dispute Investigation had been completed. I logged into my Experian account and saw per the results that the information I disputed was verified as accurate. This came as a surprise since other credit bureau reporting agency completed their investigation and deleted the collections account from my report based on the same information I provided Experian. On XX/XX/2020 I called Experian to get further details on how the investigation was conducted and how the decision was arrived at and I was informed by the Experian customer service rep that I disputed the account as a paid account and the information was sent to the collections account who verified that the account remained unpaid. I immediately told the Experian rep that the wrong information was noted as the reason for my dispute. I asked him if my file at least had the document I sent and he reviewed my file and confirmed that the document was received but he was not sure why the right information was not recorded. He then apologized for the mix-up. 

Experian has not carried out its due diligence in investigating my dispute and this is concerning. First, the wrong reason for my dispute was entered by the Experian representative who initiated the dispute over the phone. Secondly, I submitted a document which clearly outlined the reason for the dispute, however no-one at Experian cared to read the document. Experian has not carried out any due diligence in correctly documenting the reason for my dispute or properly investigating the dispute and continues to report the collections account as accurate.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

My XXXX XXXX on my credit report shows from XX/XX/2016 to XX/XX/2016 as delinquent but my account was in forbearance with XXXX XXXX and it has not been update to reflect what XXXX XXXX has on their records
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was at an appointment in a clinic between XXXX and XXXX, on XX/XX/2020, when I received a fraud alert for the credit card I had just used for travel. There were three alerts, two saying an attempted cash withdrawal of {$400.00} was declined, and the third saying an attempt to withdraw {$800.00} cash was approved. Another text asked me to respond yes or no to me having attempted the three transactions. I responded no, and I immediately received a text saying my credit card was restricted, and a number to report to the banks fraud department of what happened. They immediately credited my account and sent me a new credit card. Three weeks later, on Friday XX/XX/2020, they said the dispute was reversed because my credit card chip was read and my PIN number was used for the transaction. I told the representative my credit card was in my pocket at the time the transactions were made, and the last time I had used the card was a few days earlier in XXXX California, on Thursday XX/XX/2020. I also informed the bank that I was only using the card for international travel, as of late. The representative told me the charge would be reversed and I would not have to pay it, but it remains on my statement along with a new interest charge for the transaction.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

Im writing to re-open the dispute with XXXX-XXXX XXXX charge posted in my Chase Sapphire Preferred account XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$440.00} USD. 
XXXX DID NOT provide me with the service and car quality expected from a car rental company. 
I rented a car from XXXX in XXXX on my winter break with my family ( XX/XX/XXXX-XX/XX/XXXX ). The car failed to start on the day of my return flight which made me miss my flights which led me to incur added expenses for new flights. 

I contacted XXXX Corporate Office to report this issue and they contacted XXXX in XXXX. XXXX XXXX XXXX in XXXX refused to refund me the cost of the car rental. Ive proceeded in good faith to resolve this with the merchant to no avail. 

I object to the XXXX-XXXX XXXX charge. As a credit card consumer ; I exercise the right to have this charge removed from my bill afforded by the Fair Credit Billing Act.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (FL)

Spire Recovery Solutions is calling my place of employment talking about my debt with my office management. Spire Recovery Solutions have called several times after being told they will not provide information about employees. It has become an embarrassing situation for me. It makes me feel uncomfortable being around employees that heard about this company trying to get a hold of me.
Consumer complaint received 2020-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (IN)

I received multiple calls from the company, Southwest Credit Systems, after multiple harrassing phone calls I spoke with a rep and was told I owed a debt and immediately asked how I wanted to pay, I was never asked if the debt was mine nor was I asked about disputing. I know the laws so I informed the rep I am not aware of the debt, I was disputing it and requested verification. A few days later I received a letter from Southwest, again stating I owe them a debt and I had 30 days to dispute the debt in writing even though I had already disputed and requested verification. I sent them a response letter days later and stated in writing that I was disputing the debt and again asking for actual verification and I informed them that a simple letter from them stating I owe a balance was not sufficient verification. They have not provided any verification but have now started reporting the alleged debt to all 3 credit agencies and they have " re-aged '' the alleged debt stating I have an account with them opened this month. This is complete fraud, false informing, harrassment and blantantly illegal as they are aware of all these violations and clearly have no verification of the alleged debt.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-14
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. (SC)

In accordance with the fair credit report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : 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 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 know or has reasonable cause to believe that the information is inaccurate.