davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

My balance of XXXX was due XXXX, paid XXXX. Then paid XXXX for late fee ( my fault, didn't review stmt ). Then I noticed my balance was XXXX called XX/XX/19 to see if XXXX payment was lost... was told original late fee was more than XXXX and then I had been charged a late fee on a late fee resulting in the balance of XXXX. 

My questio : Is it legal to charge late fee on nothing but a late fee. This is outragous... Then the young man who was bordering rude told me, we ma'am you haven't asked me to reverse the fee to which I replied I shouldn't have to.
Consumer complaint received 2021-06-03
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: OPORTUN FINANCIAL CORPORATION (CA)

I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2018-07-17
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. (IN)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-10
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: FIRST NATIONAL BANK OF OMAHA (MI)

XX/XX/ submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The Company FNB Omaha verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and XXXX still show it I have been passed back and forth between the credit bureaus and FNB Omaha each of them blame the other this is very frustrating thanks for your help
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Accepted a store credit card offer on XX/XX/XXXX with a {$1200.00} credit limit. Made purchase of {$11000.00}. Added {$750.00} from my XXXX XXXX unto {$1200.00} XXXX for total amount above. I then traveled aboard on business. Made pay by monthly payments totalling {$1100.00} Never got any disclosure or communications regarding account statement online although it was requested Upon my return home, found account statements covering period account duration. Discovered, I had been charged late fees of {$40.00} monthly and interests from inception account opening. Spoke with a Wayfair Supervisor XXXX ID # XXXX who claimed to grant {$20.00} on interests on XX/XX/XXXX as XX/XX/XXXX concluded one year of promotion.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/2024, I tried to use my account and it was denied. I called and spoke to XXXX representatives ( 2 supervisors ) regarding the issue and they stated it was due to inactivity and issues with my credit report. I asked the supervisor what does my credit report have to do with account when I currently already have an account. The hold/block was placed in XX/XX/2024 and the representatives stated that they didn't know when it will be removed. They didn't provide any correspondence saying that they were going to lock/block account for any reason which I think is disturbing.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (TX)

XX/XX/22 My name is XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I have visited the consumer trade commission website to request a free paper copy of my credit report. I know Im eligible for a free paper copy of my credit reports from the credit reporting agencies that are in my area. The website where I attempted to get the report denied my requests. Please mail all my credit reports by mail to my home address as soon as possible.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Farrell Holdings, LLC (TX)

I purchased a car from the seller XXXX XXXX  XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

In a detailed review of the transaction history of the credit card account ( after noticed that there was a significant balance still owed, after balance should be close to paid off ). In this detailed review, noted that the interest on the account from 2017 to present is not being calculated accurately and within the federal standards for calculation. Can see from monthly statements dating from 2017 year to present that there are some months in which the payment made on account goes solely to interest, other months the payment does not pay any interest. Monthly payments exceed the minimum balance, so payments should be applied per the federal standard, but they are not. This has caused an excess of $ XXXX in interest alone accumulated inaccurately on this account from 2017 to present. 

I have contacted the company multiple times to request the ledger and transaction history used to produce the statements I am reviewing. The reason I asked for this information is because you can not determine how payments were applied to the account. On the statements you can only see how much interest was paid and if the principal balance went down. From the statements I can see that interest has been added to the principal balance, then additional interest applied to that balance. The company has refused to supply me with this information and just keep sending me the monthly statements. I already have the statements and have explained the statements do not show the requested information. I have called the company multiple times, sent emails, all requesting a manager and corporate intervention to obtain information I am requesting. They refuse to provide the details on the account and continually tell me someone will call me to discuss and resolve. That has yet to happen. You can see from the statements that the interest on the account is not be calculated accurately, but any further detail, i.e., how much is being applied and how exactly it is being applied can not be seen without the requested information. I would like assistance in obtaining this information or a detailed review of this credit card account, so as to prove inaccurate standards for credit card interest calculation. I can and will supply all statements from 2017 to present, if needed. Please let me know if you need those. Thank you. 

In a nutshell, the balance is XXXX XXXX higher than accurately calculated, which is ALL interest added to account. This account has not accumulated a balance past {$2000.00}, so {$600.00} in interest is extremely high, which is what triggered me to do an audit on the account. Again, thank you for all your assistance.
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I am not indebted to Cain & Weiner Company, nor XXXX XXXX. The policy that had with the alleged company I canceled after 10 years. I immediately purchased another insurance policy with another company, which I currently still have. I DO NOT OWE {$130.00}. I disputed this with them and they are still sending letters, and appearing as a negitive on my credit report
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, XXXX XXXX XXXX opened an IRA account at XXXX  XXXX in XXXX, GA. The deposit was {$2000.00}. The certificate number is XXXX. Subsequent to the deposit, XXXX XXXX was bought by Nations Bank in XXXX, which later became Bank of America. We have taken the paperwork we have to Bank of America to cash out the account. Bank of America says they have no record of the account, notwithstanding the fact that we have the paperwork. Bank of America told us the only have to keep records for 7 years and don't know what happened to our account since acquiring XXXX XXXX. We have checked with unclaimed property in the State of Georgia and no funds from Bank of America have been turned over for XXXX XXXX XXXX.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (DE)

My identity was fraudulently used to apply for credit. XXXX details XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX & XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/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
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

Several student loans are showing delinquent due to bankruptcy. Bankruptcy was not filed also, you can not file student loans under bankruptcy. I was in school the dates in XX/XX/2016 and ongoing and no payments were due to Fed loans at that time. I have already filed dispute with FED Loans about error on their end and they are working on correcting the issue.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I applied for a consumer auto loan with Navy Federal Credit Union. I was denied and advised upon calling customer service that I'd receive a letter with the explanation. The letter received advises that there were several factors for why I was not approved which included a credit score of XXXX that Navy Federal advised was provided to them by XXXX. On today XX/XX/XXXX I contacted XXXX  and they advised that they do not provide leaders with an actual credit score, they only provide the reports. I confirmed my XXXX  score to be a XXXX. XXXX  did not have historical information regarding what the score was on XX/XX/XXXX but I do know that when I checked my score on the XXXX via XXXX XXXX which is a XXXX XXXX product my score was also a XXXX at that time. When I contacted Navy Federal today XX/XX/2021 the representative was confident that they had been given a score of XXXX by XXXX XXXX. She also advised that the other reasons listed on Navy Federals letter had to have played a significant role in the denial decision. She followed that statement by saying that upon looking further into my loan application it looks as if the actual reason it was denied wasn't the credit report and score at all, that it based on something historical with my Navy Federal account. She advised that she did no have any detail regarding what exactly. To substantiate the information I am providing I have attached the letter from Navy Federal and a copy of my XXXX XXXX score XXXX XXXX as well as my credit score ordered directly from XXXX XXXX today, XX/XX/2021. Thinking back this is the second time Navy Federal has denied credit to me this year and I am suspicious that it was also denied the 1st time using invalid credit score information.
Consumer complaint received 2022-07-23
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  : XXXX XXXXXXXX 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 XXXXXXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ 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 Experian Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : 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
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (IL)

Hello, I noticed a big drop in my credit score ( from XX/XX/XXXX ) in XXXX, XXXX. I contacted XXXX and realized it was because a collection record was added by Transworld Systems. I contacted them and found out I missed a medical bill during my move from XXXX to XXXX. Even though I had USPS forwarding services ( a lot of other mails were forwarded successfully ), I never received the bill, nor did I get informed about this missing payment. I never received any notification about this collection until I found out in my credit score myself. 

I paid off the debt over the phone in XXXX, and explicitly asked if my credit score would go up. The representative said yes, which turned out to be partially true eventually the record will go away in 7 years. However, due to my lack of knowledge of how collection works, I thought this was settled. In XX/XX/XXXX, I was trying to get a home mortgage, and found out my credit score was still pretty low and it was hurting the interest rate I was getting. I eventually decided to hold off on getting a place.

I feel like what the hospital and Transworld Systems has done is not fair. They didnt inform me about this, otherwise I would not have missed it. I never missed a payment and had great credit history before this. Im hoping collecting companies can respect peoples efforts to bu
ild good credit history, communicate and educate people ( instead of just saying my credit score will go up ).
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

INITIALLY I HAD THE SAME PROBLEM WITH XXXX, XXXX, AND TRANSUNION. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW 750. MY SCORE WILL BE 800 OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Consumer complaint received 2021-10-20
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. (TX)

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX : XX/XX/2020 2020
Consumer complaint received 2023-04-10
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: Spring Oaks Capital, LLC (IL)

XXXX XXXX {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$700.00} Spring Oaks Capital {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.