davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OH)

My XX/XX/XXXX Barclay 's XXXX XXXXXXXX XXXX XXXX Statement showed a statement balance of {$13000.00} with payment due date of XX/XX/XXXX. On XX/XX/XXXX ( 12 days before my due date ) I logged into my account and paid the full balance of {$13000.00} to zero out my balance. On XX/XX/XXXX I logged into my account to check for any charges that may have come in after XX/XX/XXXX. There were new charges with a balance of {$68.00} which I paid in full on XX/XX/XXXX ( XXXX day before my XX/XX/XXXX statement was generated ). I then called Barclays to close my account due to the ridiculous interest rates on my card. My account was closed with a XXXX balance on XX/XX/XXXX. On XX/XX/XXXX my new statement was generated and an additional {$100.00} in interest was charged despite having paid my balance in full 12 days before the due date. I contacted Barclays and was told that this was the interest on my balance from XX/XX/XXXX to XX/XX/XXXX. Barclays has a policy of granting a XXXX grace period to their credit card holders from the statement cut-off to the due date where they will not charge interest if the balance is paid in full. I was told by the Barclay 's customer service chat representative that they will not honor the traditional grace period and refund this interest charge. I have never encountered this with any other credit card in my XXXX years of utilizing credit cards. This is gouging behavior because I chose to close my account.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST HORIZON BANK (ME)

I have asked for a replacement card many times and I have not received one. Today I am willing to pay to overnight a card to my work address but they said I had to go to a branch. I live in Maine. The closest branch is in Virginia. I asked to speak to a supervisor and was told I could not, my only action was to go to a branch.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I was put in a bind when US Auto Sales went bankrupt and shutdown without any notice. I signed a contract with them and as the customer I feel like nothing was explained and I signed a XXXX car loan with them in which it's the car I have which is a XXXX XXXXXXXX XXXX is very over-priced. I feel like the way they do service is trash. And I also feel like it was a breach of contract to sell my info to another company without my permission. And Westlake representatives is very unprofessional, speak broken XXXX, always hang up in my face, and they also can not produce any contracts and my balance is wrong. And now they are repossession cars when I don't know anything about their company or what they do.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: USCB, Inc. (AZ)

Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response, the company simply stated the dispute is " valid '' and sent s medical bill statement which also provided a zero balance due as well as it stated directly on it, that it is fact not a bill but a statement for my records, however the balance even states {$0.00}.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (AE)

In XX/XX/XXXX I XXXX  to XXXX. During that month i contacted AAFES about a XXXX XXXX credit card that i have with them. As part of their XXXX  benefits, no payments on the card are required from the date that i XXXX until i return to my home station ( XX/XX/XXXX ). I noticed that although these benefits were applied to my account, i was still receiving past due notifications on my monthly statements. When i called customer service i was ensured that the issue was resolved. I was also told that this would not report negatively to the credit bureaus due to my enrollment in the XXXX  benefit. In XX/XX/XXXX i received a notification from XXXX  that this account had in fact reported as 30 days late. I submitted a dispute and the issue was resolved. Two weeks later it was updated again as 30 days late. As this was happening my XXXX   credit file was reported as 30 days late in XX/XX/XXXX. I have spoke to numerous individuals over the phone and the Disuputes center at AAFES but every time the issue is " fixed '', it just reappears or reports late during another month. I submitted another dispute through XXXX  and this time it came back saying that the information has been validated as accurate. I have emails from AAFES stating that the account was not deliquient in XX/XX/XXXX as well as XX/XX/XXXX. Yes even with these emails, they can not seem to properly report this information to the credit bureaus.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc. (MI)

According to my credit report, this company reported negative information on XX/XX/XXXX 2 years after my last payment of {$650.00}. My residency ended with the company on XX/XX/XXXX. There were no judgements filed regarding this matter over the last 6 years, just negative reporting on my credit report.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Soc : XXXX Re Acct : XXXX XXXX XXXX XXXX Complaint XXXX XXXX XXXX Credit Card Also known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York NY XXXX This complaint against the above listed entity is due to a fraudulent product which violated the FCRA and Federal Banking regulations. 
The company offers a secured credit card that relies on payments being made through an attached debit/checking account. 
The company in this case and as reported by other consumers routinely freezes the attached checking accounts and allows the consumer no method of making payments to the credit card. The consumers credit report is then reported as late. This in effect forcing consumers in derogatory marks on their credit report and violated established banking practices and the FCRA. 
I am requesting that the company remove all records of this fraudulent product from my credit file. I a also requesting that the CFPB investigate instances of consumers being reported late due to frozen accounts. It is my belief due to reports and complaints online that thousands of consumers are being defrauded and caused irreproachable harm due to the fraudulent acticties of this entity.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX**** ; XXXX/XXXX XXXX**** ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** ; XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX XXXX   XXXX****
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have a store credit card with XXXX/XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX and XXXX/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX   are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Requesting information in regards to my VA Senior loan with Well 's Fargo. Also wanted to know was my home ever foreclosed on or not? Because there are some dependency in regards to my past VA home mortgage loan with Well 's Fargo in regards to past started foreclosure proceeding that were dismissed, as well a fraudulent activity. I have also requested copy 's of my entire past bill itemized payment history but has yet to receive it from Well 's Fargo which was several months ago now. I also wanted to know was the taxes on the home paid for by well 's Fargo until XX/XX/2018 upon the certificate of release of mortgage to me?
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (FL)

Hello I am contacting you about a serious issue I had with BBVA with a cash deposit to the ATM. The branch address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. The transaction occurred around XXXX XXXX on Monday XX/XX/XXXX. 

I was not sure which sup-options to navigate through in the form for this complaint since none were specific to my situation. 

My wife had just pulled out {$13000.00} in cash from unemployment backpay from her account and we immediately proceeded to the BBVA branch mentioned and attempted to deposit {$2500.00} into the machine to pay bills, XXXX {$50.00} bills and XXXX  {$100.00} bills were inserted into the drive through ATM. The machine jammed and would not return any bills or apply any of them to my account. My wife was beside me in car during this transaction.

I went into the bank at which time the branch manager came outside, told me to park my car around the front of the bank, and accessed the machine from the front. He then accessed the machine from the inside of the bank while I waited in the lobby. He was alone during both these periods of time. 

The manager told me he only found XXXX {$50.00} bills in the machine ( {$350.00} ) and that no other $ 50s or $ 100s were in the deposit holding section. I was told they would need to contact an ATM tech to audit the machine and that could take 48 hours but they would contact me, in the meantime they deposited the {$350.00} into my account. The following day I called the bank in the afternoon and spoke to the manager ( who never contacted me ) who said they had the machine audited and my money wasnt in it!?!? I called the police who sent an officer to speak with the bank staff but he called me after saying I would have to let them handle it internally first.

I filed a dispute with the branch and with the BBVA corporate number but nothing has come from that yet and I have been given no updates or contact information for anyone involved in investigating the situation. I am not sure if this is a technical/mechanical error with the machine or something more nefarious in nature but I am left out {$2100.00} and with no options at this point. The whole situation is unreal to me that {$2100.00} in big bills just can not be found. So that is my current situation/complaint. Thx
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (OH)

I was contacted over 20 times about resolving a debt that I have never created. I was left multiple voicemails from someone telling me that they were attempting to serve me with documents. I was told that I was being sued and that my wages were going to be garnished from a XX/XX/2006 debt with us bank, due to this being a bank it was a federal crime and I could be imprisoned. I called them to see who they were and what the debt was for. I was never given a name for this company I only obtained this by doing a XXXX search for the phone number. The person I spoke with kept saying that she was happy I was willing to pay, which I never agreed to do. I asked for a letter stating the the facts of the debt, only to receive a document email with a promise to pay statement attached that I was threatened to sign in 24 hours or risk being sued. XXXX XXXX is the person that I spoke with
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (SC)

I was approved for {$2500.00} through Synchrony Bank for an XXXX XXXX   purchase. I attempted to make a purchase multiple times that failed on XX/XX/19. 

Synchrony Bank is saying I have two orders. XXXX XXXX says I do not have an order. My credit limit is now maxed with no resolution. 

My XXXX was also charged multiple times for shipping and taxes. And again, no order has been placed. Please see attached docs.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I attempted to contact this company XX/XX/2023 to verify a debt that they have put on my credit report. I have ask numerous time for them to validate the debt or send me anything in the mail. The customer service rep just kept asking me to verify my address. I a victim of identity theft and tried explaining but all she cared about was to keep repeating the $ XXXXamount and to verify my address.
Consumer complaint received 2022-08-18
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-18
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. (WI)

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 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 right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (VA)

There is account reporting inaccurate information on all three of my XXXX, XXXX and XXXX   credit reports. I have tried repeatedly to reach AMEX/American express to fix the incorrect information on my credit reports. Its stopping me from getting a home mortgage
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

When I bought a puppy from XXXX in XXXX, NY, I was told that the monthly payment would be XXXX per month. The purchase was made on XXXX XXXX, 2017. I received my first bill in XXXX. It was for XXXX. 
I spoke to debt collectors on the phone and wrote letters explaining that I could not pay the full amount. In the meantime I paid what I could. The interest kept increasing, and XXXX XXXX kept asking for more and more each month. 
Then, the phone calls every day. Repetitious phone calls. At first I answered and spoke with the debt collectors. Then, I realized that it was useless to discuss it on the phone because they demanded a large payment. 
Still the harassing calls have continued. I wish that they would cease. I want to pay on what is owed through the mail. I am sorry that the full amount won't be paid within the time that XXXX XXXX wants, but I intend to pay it in full. 
I am very happy with the dog and want to pay for her. I just can't make large payments. Now they are asking for a very large amount, which I do not have. I am a senior citizen and semi-retired. I live on a very low income. 
If you
Consumer complaint received 2020-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nickel City Group LLC (FL)

These scammers have called my work repeatedly indicating they are going to server papers. When I call the numbers they leave, I get a fast busy. Today, I received this text message : XXXX XXXX XXXX We have an important matter in our office pertaining to your name and SSN. We do have paperwork scheduled to be delivered today. Please refer to file number XXXX The office number is XXXX. 

When I tried to return the call to tell them I was going to report them, I got a fast busy. Number won't go through.
Consumer complaint received 2019-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

I have hard inquires i never filled out any applications for these credit cards, bank loans they were all denied but have hurt my credit.ive called XXXX   they would not help in any way. This has ruined my entire life. I mee help. 3 capital one applications XX/XX/XXXX and 2 in XX/XX/2018, XXXX/XXXX XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX  Inquiry from XX/XX/2018, XXXX XXXX XXXX Inquiry from XX/XX/2018
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried calling but either disconnected while waiting or other issues. 

XXXX : I am requesting the 'parameters ' used to determine their Fair Isaic Code determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX : I am requesting the 'parameters ' used to determine their Beacon Code determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

Trans Union : I am requesting the 'parameters ' used to determine their Empirica Code determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc. (WA)

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.