davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I opened a credit account with  XXXX   XXXX   XXXX  ( Comenity Capital Bank ) that required payment in full by   XXXX   XXXX    2017 to avoid pa ying accrued interest charges.  <P/> I mail ed (  USPS  1st class ) fu ll payment on   XXXX   XXXX  , 2 017   . This payment was not posted to my account until   XXXX   XXXX   , 20  17, thus incurring {$290.00} in interest & fees. I have subsequently   received a bill for an additional {$7.00} in interest. Bringing the total to {$290.00}.  <P/> On   XXXX   XXXX   , 2017  , I s ent a letter disputing these charges to Comenity Capital Bank and have not received any type of response.  <P/> I strongly believe that I have been treated unfairly, as my payment in full was surely received by the due date ( and the inexplicable lag  on 28-days be tween mailing and payment posting dates ).  <P/> In hind sight, I would have send this payment with some sort of tracking, but even at age  XXXX , I still hold the belief that people and the businesses that they operate do the right thing.  <P/> Thank you for your attention to this matter.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was on vacation miles away from my home and received a text message from capital one on XX/XX/XXXX asking if I tried to charge {$990.00} at XXXX  Before texting back no, I open my app on my phone and see a total of XXXX transactions made on XX/XX/XXXX at XXXX XXXX XXXX transactions of {$560.00} ) XXXX ( {$38.00} ), and a XXXX in person in my home city ( {$110.00} ) totaling {$1200.00}. I immediately text back capital one and select all fraudulent charges on my account. They give me an adjustment credit for all these transactions while they conduct a fraud review. 3 days later, they send a notice saying the {$38.00} XXXX  order was credited, XXXX transactions {$560.00} XXXX  appeared to have been declined instantly because no longer appeared on my account, but for the {$110.00} XXXXXXXX XXXX XXXX XXXX made in my home city was denied due to insufficient proof of fraud. I call capital one to appeal their decision and ask how to provide flight/hotel information to prove the {$110.00} transaction was not me as I physically had the card with me miles away on my vacation. Capital one basically told me there was no way to appeal due to chip being used in transaction and they do not see any proof of fraud. How the scammer was able to clone my chip with the card being miles away with me is unbelieveable to me. I explained I was on vacation and can send any proof needed to appeal but they refused to even give me the chance and said I was liable for the {$110.00} purchase. I am extremely disappointed that they won't even listen to me especially after having other fraudulent charges on the same exact day. They truly do not honor their 0 % fraud liability charges claim. I have been a customer with them for several years and ALWAYS pay my balance in full and have never had even had XXXX late payment.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

Mid XXXX : Received a booklet in the mail, the contents of which says : earn up to XXXX ThankYou Points if you open a checking account and perform certain activities. " Offer expires XX/XX/XXXX ... If you fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all required activities. '' XX/XX/XXXX : Opened checking account. 

XX/XX/XXXX : Completed all qualifying activities to earn XXXX ThankYou Points. This was later confirmed by two representatives on the phone on XX/XX/XXXX & XX/XX/XXXX. 

XX/XX/XXXX : Received an email from Citibank : " Congratulations! You have completed all required activities for the ThankYou Points Checking Offer. The bonus ThankYou Points will be credited to your existing ThankYou Member Account within thirty ( 30 ) days. '' XX/XX/XXXX : Called Citibank. They disregarded what I received from them by mail and what I received on XX/XX/XXXX by email. They said I will get your points on XX/XX/XXXX. 

XX/XX/XXXX : Called Citibank. They disregarded what I received from them by the mail, what I received on XX/XX/XXXX by email, and what I was told by them on the phone on XX/XX/XXXX. They said it will take up to 20 business days to investigate this. I do not trust them at this point, as they have lied to me four times.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I did not consent to, authorize nor benefit from the following account : Navy Federal Credit Union. Navy Federal Credit Union removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This Navy Federal Account has been closed for two years, XX/XX/XXXX. Then, Navy Federal Credit Union created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed Navy Federal to change the account number and retain the same false information to the original fraudulent account. Navy Federal changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. Navy Federal never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

Navy Federal and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Consumer complaint received 2019-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX at XXXX XXXX XXXX  an account application was started for Bank of America for a XXXX banking account. It was approved in the same moment just afterwards. I've never opened a bank account with bank of america. This is the second time this has occurred which resulted in me freezing all my XXXX credit bureaus and going through this process once before. This occurred on XX/XX/XXXX the first time fraudulently with the same company.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.
Consumer complaint received 2022-12-16
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. (MN)

In accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ) ( three accounts ) XXXX XXXX XXXX  also has violated my rights They have also violated my rights by having 152 inquiries on my credit report without my written instructions 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 I also have disputed all this information about three times due to my identity being stolen and someone opening up accounts in my name and applying for accounts and services
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage holder is XXXX and my bank is Wells Fargo. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. My payment for our XXXX mortgage was made by XXXX XXXX at Wells Fargo on XX/XX/21. This is fully documented in my account records and statements. My mortgage holder, XXXX, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. This means that whatever problem occurred happened between when Wells Fargo made the payment to XXXX on XX/XX/21, and when/if XXXX received the payment and/or misapplied it. This means that there was no error on my end in the transaction ; however, since this occurred, both Wells Fargo and XXXX are trying to avoid taking responsibility for the error in payment application. I have made XXXX calls to date, to both Wells Fargo and XXXX, in an attempt to rectify the matter. I have sent a letter to XXXX letting them know that there was an open investigation with Wells Fargo, and that if Wells Fargo contacted them, I would appreciate their cooperation. I have had both Wells Fargo and XXXX on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. I will attempt to resolve the matter with XXXX additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue XXXX for negligence. Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.
Consumer complaint received 2022-03-22
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 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
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services (VA)

I have been getting harassed and threatened by Mercedes Benz Financial Services for the past few months. I have recently received more harassing and threathing communication from them about repossessing my vehicle that has already been paid for with my government created XXXX XXXX XXXX account. I have asked them on multiple occasions for the on ledger and off XXXX XXXX ( XXXX XXXX ) since the beginning of the alleged debt so I can see proof that I actually owe them anything. They will not send it to me because I believe it will show that they have already received payment for the vehicle and prove that they are fraudulently and abusively attempted to collect on an alleged debt. I have also requested the original contract I signed. They only send copies which isn't what I asked for. And what they sent wasn't a contract. A contract is a meeting of the minds signed by both parties and 2 witnesses. I know when I gave Mercedes Benz my social security number it created a trust transaction, which I am the beneficiary of and Mercedes Benz is the Trustee with a fiduciary responsibility to act in the best of the beneficiary. Cleary they are attempting to injury me and cause me stress. Sherman Anti-Trust Law does apply in this situation. 

I am evening will to send payment with an endorsed coupon however everytime I attempted to call the executive team ( XXXX ) to get instructions on how to properly submit they hang up on me or leave me on hold for rudely amounts of time. I have even left messages for team members and they never call me back. 

I really have tired to get this cleared up with MBFS once I understood what took place when I gave them my Social Security Number. However they continue to harass and threaten me instead of doing what is in the best interest of the beneficiary. 

If this matter isn't resolved immediately I will report this to the SEC, FTC, XXXX United Stated Attorney General, XXXX XXXX XXXX  and the FDIC
Consumer complaint received 2021-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX CAPITAL ONE Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

Ability Recovery Se rvices is reporting accounts on my credit report that do not belong to me. After checking my credit reports I noticed several invalid accounts being reported. I immediate disputed the accounts.  XXXX  fraudulent accounts reported by Ability were removed however they continue to report on another account. I filed a complaint with the Better Business Bureau and they responded requesting i submit a document confirming my identity. I submitted the document but company has not responded. They are continuing to report this erroneous account on my credit report.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Received letter from Select Port Folio stating my mortgage payment was due for XX/XX/XXXX. Recently I was in a XXXX forbearance with my mortgage servicer. The forbearance ended XX/XX/XXXX, Remitted mortgage payment XX/XX/XXXX, {$2200.00}, XX/XX/XXXX {$4300.00} and XX/XX/XXXX {$2200.00} for a total {$8700.00}. Spoke with XXXX Select Port Folio Collections dept. XX/XX/XXXX. He stated some of the funds were applied to late fees, foreclosure fee and Inspections fees for years of XXXX XXXX. The mortgage was modified for the delinquent payments between XXXX. Select Port Folio never notified me of this, and they were informed all payments were to be applied to the months the mortgage was in forbearance. Select Port Folio is charging XXXX times for fees that have been included in the mortgage modification.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

WAKEFIELD & ASSOCIATES ( creditor : XXXX XXXX XXXX XXXX ) has attached a collection fee/interest rate toward the debt of {$810.00} they state is in my name. The original debt started at {$710.00} and after fees has increased to {$810.00}. Attaching this fee to the debt is ILLEGAL and a direct VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). This debt of {$810.00} MUST BE DISPUTED AND DELETED FROM MY CREDIT REPORT. I will be suing if this debt is not disputed and deleted.
Consumer complaint received 2021-11-16
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: Bread Financial Holdings, Inc. (DE)

This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-22
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. (TX)

In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXXXXXX # XXXX {$980.00}, XXXX Collections Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX # XXXX Has violated my Rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (TX)

Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt  notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today