davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (OR)

I purchased a diamond engagement ring and wedding band at Zales and was told to open up a account for 18 months, no interest financing, sounded like a good promotion. I was not told about the terms of the financing, just that it is interest free for 18 months. I was making all my payments on time each month and every months as I do with all my bills and I have excellent credit, XXXX XXXX XXXX. I fully intended to pay off the balance before the end of the 18 months. On XX/XX/2022 I receive a bill in the mail with a balance of {$1300.00} and a interest charge of {$1400.00}, I call the bank that day and ask, why is there a {$1400.00} interest charge on my account?! Was told I past the promotional date of 18 months deferred interest, in which I did not know that my promotion was nearing the end, no mention of it on thr billing statement on the first page, they said it was on the third page?! I didnt look at the third page as my balance is on the first page. I told them I will and I did pay the balance of my statement for goods I had purchased in the amount of {$1300.00} off on XX/XX/2022. They said they will not reverse the fees nor or they obligated too. I said I am paying off the balance today as I did not know the promotion had ended and my interest charges were more than my remaining balance, that is not a cool or ethical business practice for consumers. I spoke with XXXX managers and they were not willing to help me. I am filing a report against this company for unethical business practices and I would like for them to do the right thing. I recently have had a baby, gone through XXXX and have a hardship with my self employment business, their advertising for the credit card no interest is very misleading and was not explained to me and they pushed me to sign up for their store credit. And then to get a {$1400.00} interest charge when I did not see clearly on the first page, was told that the promotion ending date was on the third page, not clearly explained, not clearly told about charges for deferred interest, this isnt a good business practice, and should be illegal if it isnt. If it is legal it is very misleading and puts a huge burden on many consumers if they are late a day on monthly payments or missed promotional ending date that is clearly not marked or easily visible to the consumer. I am a honest person, making a honest living, but not willing to reverse a interest charge in the amount of {$1400.00} when I have been a on time customer is wrong. 

Comenity Capital Bank Do the right thing, and assist your customer in the well being of your business and to the consumer, do not put hardships on honest people. 

XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo HM Mortgage # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it Wells Fargo processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Consumer complaint received 2022-03-28
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. (IN)

I sent this agency a notarized, certified letter with return receipt about inaccurate, erroneous, and fraudulent accounts on my consumer report. I supplied valid proof of inaccuracies and fraudulent accounts and This agency has failed to act or update my account as in dispute. I provided proof that XXXX XXXXXXXX XXXX violated my federally protected consumer rights and committed identity theft against me. XXXX XXXX shared my personal information with XXXX without my consent. No consent is identity theft! On my consumer report there is an inquiry from XXXX which I did not approve or consent to and again no consent is identity theft. I have no contract with XXXX nor have I had any communication with them. I understand I am a consumer protected by federal law. By this agency reporting this information they are committing identity theft as well. It is to my understanding that all accounts deemed as identity theft be deleted from a consumer report.
Consumer complaint received 2018-07-09
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. (MI)

There appears to be a couple fradulent accounts that were opened at a previous address of mine. Ive constantly contacted the companies as well as contacted my local police department. It was XXXX XXXX opened XX/XX/2015 with a balance of {$2900.00}. Also, a XXXX XXXX account opened XX/XX/2015 with a balance of {$450.00}. Theres also a XXXX account showing in collections with No balance which doesnt even make sense
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My vehicle was robbed multiple times, my purse was stolen with all of my information in it. I filed complaints with the XXXX XXXX Police Department. As a result, there has been fraudulent accounts opened up and fraudulent inquiries on my credit report. I provided proof that they arent my accounts and the credit bureaus isnt deleting the false info from my credit report.
Consumer complaint received 2022-03-28
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

This credit bureau is running my personal information such as court records and background checks without my consent. This information that is in my file is erroneous and I want it removed immediately. I do not have a criminal background!
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that XXXX Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped XXXX points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

The XXXX  Credit Bureau is reporting inaccurate information on CITI ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-05-11
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: Financial Accounts Service Team Inc. (TX)

Approximately two weeks ago on XX/XX/2021 I contacted Financial Account Services Team regarding a collection account with a balance of {$220.00} listed on my credit report. Utilizing the rules of the FCRA I asked the agency to provide proof that they were legally allowed to report this account to the credit bureaus at my expense and that they owned this alleged debt. I also asked for validation of the account a signed contract between myself and their agency or a signed contract between myself and the original creditor XXXX XXXX as I do not have knowledge of this account. Neither items were furnished to me. Although I disagree with the validity of the said account Ive tried on numerous occasions to reach an agreement with Financial Account Services Team. I tried speaking to several different representatives to no avail about settling the account and have the information removed from my credit report, each agent refused.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I need a copy of my statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They never sent them to me and refuse to allow me access to my closed account to view them myself. On XX/XX/XXXX, at XXXX PDT, I spoke with a very unprofessional and abrasive agent named XXXX XXXX. She was combative and abusive on the phone call, used profanity and insults and hung up on me. 

I need a copy of these statements, since they were never mailed to me, or to regain access to my account to view them. 

It is illegal to deny me access to my own statements, of my own financial history. It is my legal right to view my financial statements and you can not deny me access to them.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXX/XX/XXXX XXXX
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CA)

XX/XX/21 attempted to call customer service center. On hold 55 minutes. Had to hang up. 
XX/XX/21 on hold 45 minutes. Rep, transferred me to XXXX a supervisor. After discussing that I had not had a negative balance, XXXX advised me it was a pending debit card purchase to XXXX XXXX that I was charged me. I advised that shouldn't be as my account shouldn't be charged on debit card purchases that would take me overdrawn. XXXX disconnected the call. 
XX/XX/21 XXXX visit to speak to the manager.

During conversation when I asked the manager to confirm the default setting so Point of sale is not approved, he confirmed it was and then informed me that it wasn't the XXXX purchase, it was an ACH for XXXX XXXX. A quick change of transactions from one not eligible for a fee, to one that is. However as I asked him, provide physical proof, that is different from my statement that shows a negative balance. He was unable. He also told me he did not have the power to reverse more than one courtesy fee and that he would have to send request through to his regional manager. I accepted him at his word. He called me one hour later and said no, I again asked for proof of a negative balance and again it was not provided or offered. 
I called a call center again, spoke to XXXX, who transferred me to XXXX. With the discussion, XXXX told me that in fact the local Manager does have the power to reverse fees, however XXXX does not but after much insistence, I asked his Manger to call me. He said his manger XXXX was in a meeting but would call me afterwards. 
No phone call was received. 
XX/XX/21 After numerous messages to the bank XXXX account, I received a phone call. Again, despite repeated requests, no proof has been provided, just verbal assurances that a valid purchase was made that pending, made me overdrawn, but posted it did not. Advised it was the XXXX XXXX purchase. Again pointed out the point of sale default setting and she hurriedly changed it back to XXXX life transaction. 
I kept insisting that I can't just go on their word, that I wanted a document showing my overdrawn balance. Phone call was disconnected. 
I went to the bank and directly asked the manager if he did or did not have the power to refund fees based on what he said to be yesterday. He refused to answer the question, I asked him if that was because he didn't want to be caught in a lie, he just kept repeating the fees were not being refunded and refused to answer any other question I asked of him. I asked the assistant manager to request the regional manager call me. 
XXXX XXXX called me stating she was the regional manager. ( XXXX XXXX XXXX ) She was very impatient, refused to acknowledge what I was saying and just continued to reiterate that fees were not being waived. I asked for a complaint procedure and she terminated the call with me. I am left with my bank statement showing credit balance but still being charged a fee for an overdrawn balance and apparently according to my local Bank of the West I have no recourse.
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BAS Receivable Management Inc. (CO)

I am being sued a 2nd time for a {$3500.00} move out fee that was charged against me in XXXX. Bonded Adjusting and XXXX XXXX have their facts wrong and want me to PAY an additional {$2000.00} in interest for something I already PAID OFF YEARS AGO!! 
XXXX XXXX XXXX 's charges were outrageous to start, as I had lived in the home for nine years-it had normal wear and tear, along with items that I was physically unable to remove, and the grass was not mowed. Victims of domestic XXXX should have legal protections from move out expenses and that may be the case now? 
On XX/XX/XXXX I resentfully paid Bonded Adjusting Service a settlement in full, of {$3500.00} ; to put the past behind me.It was a gut punch, but all of my debts were paid in XXXX, and I have receipts and credit reports to prove it. 
3 years later ... I found an envelope, with my name on it, sitting on a coworkers desk and upon opening it I found an illegally " served '' complaint which notified me that I was, not only being sued for a charge that was PAID and closed, but I had less than a week to respond to the suit and had to PAY A FILING FEE TO RESPOND!!!!!!!!!!!!! 
I immediately went into my records and found the copy of the emailed receipt and the credit reports that showed my credit score improving about 100 points after the collections were removed. Transunion showed the account as paid and closed, and XXXX XXXX XXXX shows ( on the ledger document that BAS, themselves, submitted as an exhibit ) STAMPED with RECEIVED in XX/XX/XXXX. I tried to explain that they had made a mistake, but they are self righteous ... and I'm just dumbfounded. 
THE KICKER IS THAT I AM IN THE MIDDLE OF BUYING A HOUSE and I am about to freak out and sue for distress because they still have the nerve to tell me " Our records show you still owe a balance ''. 
The proof is the receipt they emailed ( which I printed and which shows date, time, amount and I even noted the name of the person who took my card number ), and the nationally trusted fiduciary giant XXXX, along with the stamp at the top of a document that THEY submitted saying account received and terminated. 
I'm buying my first home. I don't have the time, money, or energy for this entirely unprofessional, unethical, illegal hoopla! How can they make such a huge error? Or do they have snakes for employees? I've never in life heard of anything like this, but upon researching this company ... I see they are regularly screwing up and hurting people with their errors.
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about. 
Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

Called EdFinancial Services on XX/XX/XXXX to request a refund for payments I made during COVID. My loans were transferred over from XXXX XXXX in XX/XX/XXXX, I was told they would reach out and account for any payments I had made to XXXX XXXX. 
Called XX/XX/XXXX and was told my request has not been processed and they didn't have information on how many payments I had made to XXXX XXXX that would be eligible for refund. I was also told they don't have any timeline for when my request would be processed. 
If my request is not processed I could miss the window for the student loan forgiveness.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

A XXXX XXXX bankruptcy was filed and completed. The problem is that the information in the XXXX  XXXX bankruptcy that was supposed to be deleted from the file is still showing as being late when it was supposed to be removed. I need this information removed immediately so that I can start to rebuild my credit. This inaccurate information is causing me more than a 100 point increase.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (PA)

Recently I was going through my past paperwork to shred and I found 2 packets of Ally Bank. One had Welcome to Ally Bank with 18 Savings Account details and other with Customer Statement with 28 accounts in it. I had never opened any accounts with Ally, but it seems Ally got my information from somewhere and had opened these accounts in my name. 
If someone could help me close these fraudulent accounts, then it would be a big help. 
Thanks, XXXX XXXX XXXX XXXX