davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX I opened an XXXXXXXX XXXX XXXX  credit card. The lending company for this card was XXXX XXXX XXXX. The consultant 's name at XXXXXXXX XXXX was XXXX XXXX. During my consultation with XXXX, I was told the procedure would cost {$4800.00} and under the promotional credit plan, I would not accrue interest for the life of the loan. If however, I was late with a minimum payment, she stated I would begin to accrue interest at that time. The only documentation I got from her was a copy of my credit application. 

From XX/XX/XXXX to XX/XX/XXXX, I faithfully made " on time payments '', always over the minimum amount due, and made sure I wasn't late as to avoid interest charges. However, on XX/XX/XXXX I was charged accrued interest in the amount of {$1600.00}. I called XXXX XXXX to inquire as to why I have this charge and was told I didn't pay off my promotional plan by it's due date and that they had closed all accounts related to XXXX XXXX ( reasons which could not be discussed with me ). Because I did not have anything in writing from XXXX XXXX, I had no proof of our verbal conservation. At that time I reviewed my online statements and credit agreement to find in tiny writing that I needed to pay entire balance by XX/XX/XXXX. During XX/XX/XXXX, I paid off my account in full with the exception of more additional interest charges after my statement date. In XX/XX/XXXX my balance was {$51.00} which I paid in full on XX/XX/XXXX, a day late, and was charged {$29.00} late fee. I again called XXXX to inquire about a late fee on a XXXX balance and was told since the account " XXXXXXXX XXXX '' is closed they can't reverse the charge. I am someone who is meticulous in paying bills and has never been previously late on a payment with XXXX but somehow they don't see it appropriate to waive this charge and would not help to resolve the accrued interest problem. This is poor business etiquette and unfair to an unsuspecting consumer. I would not & will not ever recommend this bank to any of my friends or family. I have other credit cards that have a promotional ending date but each time I go to make a payment, I'm clearly alerted of my promotional end date. Can this be something XXXX XXXX  can add to their lending practice? Can XXXX change a policy that would give a 3 day grace period to make a late payment? Can they routinely send alerts to customers of changes in an agreement? Just a few suggestions for improvement.
Consumer complaint received 2022-07-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

I was served a claim/judgment form Midland funding for the amount of XXXX. I noticed this account on my credit report and have written the 3 bureaus to please validate debt. I have written the 3 bureaus several letters within the last 6 months. Now i have been served court papers without proof the debt belongs to me. Midland funding or the 3 bureaus has not sent me validation of the debt. I am making this complaint because I feel I am being sued in error with no proof. I have requested for Midland to produce any credit application signed by me, to please produce all statements from beginning to present and to produce detail regarding alleged charges by amount, type and date.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2018 Due to technical error at bank no direct deposits were issued causing fees for past due accounts. 

Called received an email acknowledging errors and told they had fixed the problem. 

XX/XX/2018 Direct deposit again not posted now due to another system error. Now the apartment is seeking eviction due to two late payments. Other services such as gas, electric and Cable also paid late fees and fines.
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

I have disputed this account as not mine multiple times with no success of removal, nor was I sent a letter prior to this account being placed on my credit report. First dispute THE BEST SERVICE CO/XXXX   replied saying account verified. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. THE BEST SERVICE CO/XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. This account is inaccurate and incomplete, and represents a very serious error on my XXXX credit report.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

XX/XX/2020 - I faxed a letter to National Credit Adjusters , LLC, Attn. : XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, KS XXXX concerning Re : Acct # XXXX ( as shown on my credit reports with all 3 bureaus ). 

The letter ( which I have attached ) was addressing an account National Credit Adjusters , LLC has placed on my credit reports after that had been previously removed from my credit reports as not being valid. 

XX/XX/2020 - National Credit Adjusters , LLC closed the account on my XXXX  credit report, but it still shows a balance owed reporting of {$670.00}. Their entry on my credit report should, by law, be removed permanently from my credit report ( s ). 

XX/XX/2020 As of the date of this complaint ( today ), the accounts are still reporting as open and owed on both my XXXX  and XXXX  credit reports.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address a matter concerning my credit report. Upon reviewing my credit report recently, I noticed that there is a bankruptcy account listed. After careful examination, I believe there may be an error or misunderstanding regarding this account. Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

Attached is official court paperwork granting me Commission to Guardian filed XX/XX/18, for my mother who is now deceased ( guardianship still in effect until final paperwork is filed within 5 month period ). This guardianship pertains to deceased cardholder XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Previously, all statements and correspondence were being directed to the guardian as follows : XXXX XXXX XXXX, XXXX, NJ, XXXX. 
Subsequently, upon my mothers passing, another family member called to report the passing of XXXX XXXX and changed the address back to XXXX XXXX XXXX XXXX, XXXX, NY XXXX, this was not correct, this is the address of daughter XXXX XXXX who made a total of {$4400.00} in unauthorized charges on the card. Be advised, that the remainig balance due on the card is the responsibility of authorized user XXXX XXXX and not the estate of XXXX XXXX.
Consumer complaint received 2018-10-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello my problem started XXXX XXXX around that time, the problem is that my credit card from bank of america was hacked and used from my XXXX  account, they purchased some car part from XXXX XXXX   a compani on California, the same day that this happen my bank send me a text asking about this transaction and I did said that I wasn't me so I cancell that card bou still a week after that i recieved a package i noticed that was some body parts so I call the company to send that back to them, because I checked my bank and they put the money back to me, I did send that back to the company and after that a received a letter from banc of america saying that y was responsable for the amount, so from that day to today I was trading to fix this problem that already have the receive from the post office that I did send everything back to them, but they still making me responsable for this amount, please help is making my days miserable
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX, XXXX Account number : XXXX, XXXX  Account number : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2019-03-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that Experian XXXX   and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.
Consumer complaint received 2018-10-30
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: GOLDEN 1 CREDIT UNION, THE (CA)

Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report. 

I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.
Consumer complaint received 2018-10-30
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: BBVA FINANCIAL CORPORATION (GA)

In XX/XX/2018 I noticed an unauthorized charge on my credit card by XXXX XXXX ( I don't even own a TV ). I immediately contacted the credit card company ( BBVA Compass ) by phone, and they assured me they would take care of it and that I would be charged no fees or interest while it was under investigation. The following month the charge was still on my card, so I called them again. Same response, telling me they had 90 days to take care of it. Meanwhile, I called XXXX XXXX myself, and they told me they had never made the charge!! I notified the BBVA Compass " fraud '' department ( I use the term loosely ), and received the usual " we have 90 days, blah, blah, blah. '' The following month the charge was still there, so this time I wrote them a letter. I received no response to my letter. By this time I was receiving late fees and dunning letters. I made one final call to them a few weeks ago, but nothing has changed with my account. Clearly, there is nothing further that I can do. Of course, I will never, never pay the charge, but BBVA needs their hand slapped for ignoring a fraudulent charge and treating a customer with such utter disdain, and for ruining a customer 's credit.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

There is a address on my file that does not belong to me. at Equifax it belonged to a person with the same name I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX wisconsin
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX-XXXX  -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX, LA XXXX ( XXXX ) XXXX-XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  - XXXX XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX, XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

BEWARE, CAPITAL ONE REFUSES TO CLOSE MY CREDIT CARD ACCOUNT. They refused to do so, on the phone, unless I agreed to a lot of terms they wanted to read over the phone. I was not going to give in to blackmail terms about closing my account. I refused to agree to their terms and told them to just close. They would not. I sent a Certified letter ( attached ) requiring that Capital One close my credit card account. They still wouldn't do it. Instead they starting adding interest charges and late payment fees to a disputed charge.
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

took out a personal loan with speedy cash in   XX/XX/XXXX  in the  amount of  XXXX  paid it of o n  XX/XX/XXXX ..and my  pay off  XXXX  payments were taken out twice a month at  XXXX  dollars i paid over  XXXX  dollars just to pay if  XXXX  dollars less of what i borrowed