davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I paid Comenity credit card with a bank check ( XXXX # XXXX {$1800.00} ). The bank check was to pay off Comenity and move balance to my bank credit card. Comentiy received the check on XX/XX/2022. They applied the check and then immediately disavowed the check and charged me fees. I was able to speak to a Comentiy representative and they did not know why the check had been disavowed but said they would research and get back. They DID NOT. I used the email system on the website and was told to call them. I have called them more than 10 times. You press all the buttons and then the system hangs up on you. 

I contacted my bank, and they could not understand why the check was disavowed. I have been waiting for them to call back with the reason the check was disavowed. Still waiting. 

I sent another check # XXXX on XX/XX/2022 by registered priority mail. The bank check is good only until XX/XX/2022.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I spoke with a supervisor today XXXX XXXX at Transunion disputes. He informed me that they ( Transunion ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore XXXX whom are not reporting to the XXXX major credit bureaus Transunion, XXXX, and XXXX my on time payments made. I recently sent in to Transunion official payment history from XXXX XXXX XXXX XXXX my payment history. Moreover, I have been current all of 2023 to date by their own ( XXXX ) documentation. Transunion makes the claim that XXXX verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with Transunion. Transunion would not tell me why my score was dinged. However, I believe it was the doubling down by XXXX which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as Transunion, and XXXX did inform XXXX they are required to investigate my dispute and then update the reporting so that its accurate. An XXXX dispute in which XXXX is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from XXXX that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to XXXX, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By XXXX failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by XXXX as delinquent is not the same as a bankruptcy and inaccurate. XXXX reports that the loan is closed which is improper if not illegal. Overall, XXXX is denying me the benefit of timely made payments to FICO, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2022-05-13
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: FIRST HORIZON BANK (NH)

First horizon bill due XX/XX/XXXX. Sent payment XX/XX/XXXX. First horizon did not cash until XX/XX/XXXX, so my bill for XXXX is {$350.00} which is over double my usual {$170.00} payment. I called & they refuse to fix problem. I sent out bill 9 days before it was due & now I'm getting very very expensive late fees that are bogus and they will not fix the problem. I need help. Thank you
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

Complaint Details On XX/XX/2022 I received a deposit of {$390.00} which corrected my negative balance with Chime. I then was locked out of my account for security reasons. I submitted documents to verify my identity to regain access from my account. I have not heard back from Chime and have not been given access back to my account. Chime is holding my {$140.00} hostage and will not give me access to use my money. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) Unlock my account and give me back access to my money
Consumer complaint received 2022-10-27
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. (NC)

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine.
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (NV)

XX/XX/2022 I applied got approved and sign loan disclosure for a {$250.00} loan. Everything cleared got approved and selected instant fund. Call to ask why the funds didn't clear and was told loan is being withdrawn bc of a previous loan. I paid off previous loan years ago and closed it. I was approved and signed loan disclosure showing XXXX payment set up and everything selected find to be deposited on my card. XXXX was approved then I called they removed the loan totally as if it never happened no denial nothing was told my loan was removed rhats all
Consumer complaint received 2024-06-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation (HI)

This collection agency USCB company is attempting to collect a debt that I do NOT owe in the state of XXXX and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of XXXX a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report.
Consumer complaint received 2022-05-16
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: Professional Debt Mediation, Inc. (TX)

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, PROFESSIONAL DEBT MEDIATION account XXXX ( XXXX Apartments ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX XXXX account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX  ) XX/XX/XXXX for the amount of {$370.00}
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (NY)

XX/XX/year> Hunter Warfield tried to access my XXXX credit reporting I received a notice from XXXX and it has effected my rating droping it down from XXXX to XXXX. It's a false inquiry on my account and XXXX has noted it as a Hard Inquiry. To get rid of this I had to report this to you as well. 

XXXX XXXX
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I applied for, and was accepted, for the Capital One XXXX  XXXX credit card. 
The card was delivered on XX/XX/2022. 
The annual fee of {$390.00} was billed to the card shortly thereafter. 
The first time I tried to use the card the transaction was declined. 
I called customer service and they said the card is " restricted '' and can not be used until it is unrestricted. 
They said they require proof of address and personal identification in order to unrestict the card. They declined my request to refund the annual fee while the card was restricted. 
I sent them copies of documents they requested, including XXXX XXXX XXXX, XXXX, and copies of bank statements showing my home address. 
They refused to accept a bank statement from XXXX Bank as proof of address because the account number was masked by the bank. 
They refused to accept a second bank statement from Capital One bank as proof of address because I could only produce a screenshot and not an actual printed statement. I explained to them that my Capital One bank account will not let me print paper statements. 
I explained to them that I do not have utility bills in my name as I live in my in-laws home. 
They said that they could not verify my home address - even though I bank with Capital One bank - and therefore they can not unrestrict the credit card. 
On XX/XX/2022 I tried in vain one last attempt to speak to Capital One Credit Card Services in attempt to have them unblock the credit card. That attempt failed as they said there was nothing more they can do. I then requested that they close the credit card account and refund the annual fee of {$390.00}. They agreed to close the account but refused to refund the annual fee. I politely explained that they had no right to charge me a fee for card that they will not let me actually use, nor ever did let me use. They seem to think that I can magically produce documents I don't have and get the card unblocked. I spoke with an account supervisor XXXX who stubbornly refused to refund the annual fee, insisting that she can not do anything until the account was verified -- though she admitted she had the authority to reverse the annual fee but declned to exercise that authority. I got agitated, and she hung up on me.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

My name is XXXX XXXX ( SSN : Ending in XXXX ) and I am submitting this complaint on my own behalf, there is no third party or authorized representative speaking on my behalf. I am a Federally Protected Consumer and am well studied in my rights under the FCRA, TILA and FDCPA. It is a fact that the consumer has the right to demand PROOF OF CLAIM when a " creditor '' claims that there is an alleged debt that the consumer is liable for. I have demanded the original lawful contract that provides who the original creditor was, where the lawful contract was originated, etc- of DISCOVER BANK and they have defaulted on my contractual terms. I then sent them a notice of fault to give them one more chance to remedy the injury caused to me, the natural person, and they defaulted on that as well. They have been calling me DAILY, leaving me 2-3 voicemails A DAY- despite the fact that my original demand for PROOF OF CLAIM also included a clause to CEASE AND DESIST. DISCOVER BANK has been violating my consumer rights and harassing me DAILY over an alleged debt that they can not provide sufficient evidence that I owe. This matter will be forwarded to the FTC, the Attorney General, and the OCC next.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

I asked them to close my account on XX/XX/year> and I have not received a check in the mail. When I called today they said there " was a glitch in their system '' and they put me on hold. While on hold I researched them on the web and saw that they were just fined {$3.00} million by the CFPB so I really became concerned. The agent came back on the phone and told me I'd have my check in 5 business days. Obviously I have XXXX confidence in receiving that money in that time frame, if at all, and this is causing me great distress.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MD)

I have been trying to close my account for 3 months. I'm locked out of my account and they refuse to reset my password, reason being I can't provide them with a debit card they had sent me. I had never used the debit card so I disposed of it. I no longer have it. They've just been yanking me around.
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-21
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. (NY)

I reviewed my credit reports in early XXXX, a follow up to a check I did earlier this year. I in it I noticed some errors. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX ( see Transunion XXXXXXXX ),  asking them to correct the errors relating to credit inquiries. The Fair Credit Reporting act describes the permissible purpose to finish a report in 15 U.S.C. 1681b. The inquiries in question are in follows 1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX Neither of these two inquiries fall within the purposes described in the Fair Credit Report as a permissible purpose. I asked XXXX to conduct an investigation on those two inquiries, specifically - the name and title of the person who pulled the report - the date of the alleged report request - and the method that the creditor claims I gave permission. I asked for documentation of said permission. Instead I was given a 1 page response ( see TransunionreplyXXXX ), basically asking me to contact the creditor ( was an investigation ever done? ).  There was no confirmation that any investigation took place.. In the generic letter XXXX claims that written authorization is not required and specific consent is not required. Furthermore none of the information I requested was never furnished, it appears that Transunion is asking me to correct their errors! The Fair Credit Reporting act dictates the manner in which a credit reporting agency is supposed to investigate errors in 15 U.S. Code 1681i.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

Home Depot Credit Services, as managed by Citibank, deliberately does n't contact customers appropriately when charging them exorbitant finance charges. 

Home Depot / Citibank charged me a late fee because my payments were one day late, despite being a loyal customer who has paid off significant purchases on time. This had a cumulative effect over a few months ; even though I thought my full balance had been paid off, I was hit with almost {$1200.00} in finance fees because late fees extended the payment beyond the promotional balance period. 

As a result, Citi is claiming that I owe them {$1300.00}, which is composed entirely of their finance charge and late fees. My full balance was paid off on time, albeit a single day late. This is clear from the uploaded statements. 

What 's even more interesting about this is : ( 1 ) Home Depot / Citibank have my email address, which they use to send statements, but they never sent me an email indicating that I was being charged late fees. 

( 2 ) Home Depot / Citibank does n't offer an alerting feature, as do most other major banks, so I that I can be notified if I 'm charged a fee or interest. 

( 3 ) Home Depot / Citibank does n't indicate in the statement emails that they send every month that I 've been charged a late fee, as you can see from the copy uploaded. 

( 4 ) Home Depot / Citibank claims to have " tried multiple times to reach me, '' but when I asked why I never received a voice mail, their chat agent informed that they " do n't leave messages '' ( as you can see from the chat transcript that I uploaded ). 

( 5 ) Home Depot / Citibank clearly has my mailing address, but the first notice that I received in the mail was a letter on XXXX XXXX, 2016 ( dated XXXX XXXX ) saying that my account was in past due status. This was the first notice I had of this issue. 

I contacted them to try to reach a reasonable settlement, but they refused to offer any recognition of either the unreasonableness of the finance amount, or of their poor customer communication which is clearly meant to help them to collect finance charges and late fees. 

Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this, I believe that this is action that the CFPB should be aware of and investigate.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, XXXX and Equifax. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX
Consumer complaint received 2022-05-16
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. (TX)

I recently received a copy of my TRANSUNION credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ TRANSUNION ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

TRANSUNION HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.