davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Since almost the opening of my account I requested payments be allotted to non-promotional purchases before promotional purchase so I may make a greater effort to avoid accruing interest. Recently the credit card provider added a new kind of promotion that requires that type of payment first and changed the allotment of payments to equal pay first, expiring promos next, then non-promos for the remainder. I was NOT notified of this change that I was no longer able to designate how my payments were allotted, as I had SPECIFICALLY had done in the past. I made a payment last month that should have covered the non-promo balance and not incurred interest, but with the unknown change I ended up getting charged interest. It may be a small amount, but the principle of the matter is they made these changes without my knowledge, consent, or adequate explanation on the bill. The statements are confusing with all the different types of transactions now, and nowhere can one easily figure out how much needs to be paid to avoid an interest charge for the month. Neither a customer service rep or their manager were willing to at least waive the interest for one month to maintain customer satisfaction, and could or would not adjust my payment allotment to how it was previously.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (FL)

I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.
Consumer complaint received 2020-02-06
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 (CA)

Capital One Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, XXXX as well as Capital One Bank asking for removal of the unauthorized inquiry. XXXX, and XXXX  said I needed to reach out to Capital One Bank ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from Capital One Bank. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.
Consumer complaint received 2021-02-18
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: WAKEFIELD & ASSOCIATES, INC. (IL)

On XX/XX/XXXX, WAKEFIELD & ASSOCIATES ( Date opened XX/XX/XXXX ) add a derogatory mark on my credit reports.WAKEFIELD & ASSOCIATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

The limited categories provided forced me to select this option because I didn't see one more closely describing my situation. 

My complaint is about Wells Fargo ( my home mortgage lender, " WF '' ) requiring me to obtain flood insurance for my condominium that is located on the third floor of my building, due to my building now being zoned into a FEMA flood zone. If a flood were to occur ( where WF is indicating a 1 % chance of a flood occurring in my zone ), my building would be impacted but my third floor condo would not be impacted. Therefore, having a flood insurance policy would be unnecessary for me to obtain and WF requiring me to do so causes me unnecessary financial cost. In fact, if I opt not to purchase a policy, WF will require impound account fees to cover a flood insurance premium to their liking which would cost me even more unnecessary financial cost. 

WF did offer to accept a flood insurance policy of the Homeowners Association for the building. But such a policy if obtained by the Association will only cover common areas outside of my condo ( i.e. walls out policy ), where its coverage won't impact the condo that WF has the lien on regardless. So, it seems that such a policy is irrelevant to whether or not I should have to purchase a separate flood insurance policy as required by WF.
Consumer complaint received 2022-01-08
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 (NJ)

I noticed multiple inquiries from different companies, I do not recognize. Also, I haven't authorized for them to use my information, and I would like them to be remove.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I was shopping at XXXX XXXX XXXX On XXXX XXXX XXXX XXXX XXXX New York, NY, XXXX. I was shopping for my daughter and when I got to the cashier I was offered a {$10.00} discount for being a member ( at XXXX ). I paid Cash but the cashier asked for my card number in order to give me the sale. I told the cashier I was paying cash and she indicated that it was just to give me the bonus that she needed the card information. I paid the balance of {$21.00} cash and left the store. I recently found out that the card was charged during that transaction. I called the company and explained what happened. I have my receipt from that day but it does not indicate my payment method I asked them to review the video surveillance from that day where they can see me hand the cashier the cash for my goods. Ultimately I called XXXX and they have begun an investigation I am worried that this would impact my credit and now my {$21.00} transaction which I paid has grown to {$85.00} dollars with fees.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

We have online banking with Chase. Chase bank sent our mortgage payment to the wrong address. This was on XX/XX/2019. It is now mid XX/XX/XXXX and they will not give us our money back. They are asking us to prove that the mortgage lender never received the money. 

This is odd because Chase showed us the front and back of the check that was sent to the wrong address and was negotiated by an entity that was not our mortgage provider. 

My credit has been dinged through no fault of my own, we had to write a second check to prevent foreclosure discussions, and I still dont have my money. 

I would like my money returned, plus interest. I would like them to clear up my credit on this issue and I would like to be compensated for the 4 hours we spent on the phone with chase and our mortgage provider. 

They will give a provisional credit if we prove that the mortgage company never received it, but this is clearly insufficient. In my book, when someone makes a mistake with someone elses money, and they dont return it, thats called theft. 

Thank you
Consumer complaint received 2019-09-18
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: Bread Financial Holdings, Inc. (IL)

On XX/XX/19 I spoke to a rep from Comenity Bank named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want Comenity Bank to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. Comenity should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Equifax verified the debt with XXXX XXXX Acct # XXXX as accurate and correct. On XX/XX/23 I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XX/XX/23 they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

I called XXXX on XX/XX/2019 and after several tries, I was told I need to contact the collection agency, EOS CCA at XXXX. I called the collection agency and reached talked to XXXX. I explained the situation, that my ex-wife XXXX XXXX opened the account without my knowledge, and I was never informed. He brought over his manager, XXXX, who kept pushing me to pay this to clear it, even though I explained the situation, I told him I was in the process of purchasing a house and needed this resolved quickly, but he still pressed me to pay it off. He finally gave me some vague information to file a report and they would review it, but no assurance it will be resolved soon or at all.

EOS Case # XXXX The amount owed is : {$2000.00}. 
No date information given.
Consumer complaint received 2020-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied XXXX to check the reason I was denied ad I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX  XXXX {$970.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Equifax and XXXX credit bureus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the list of account and Inquiries that are still reporting on my Credit Reports : ACCOUNTS : 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (VA)

I have a XXXX XXXX giftcard from XX/XX/2017 that I tried to use at the XXXX XXXX store. they said it's too old and I have to call customer service. The gift card does not have a expiration date on it or any terms to use within a certain amount of time. I called customer service and they had me scratch off the silver part and give them the numbers. I did and they said it has no money on it. how is that possible when it a brand new giftcard and I just scratched off the silver part now so there's no way any one could have used it at store or online.they said where's the receipt. i said its from XX/XX/2017. it says the date on the card and i don't have a receipt that old from XX/XX/2017. they said they couldn't help me. Please help me recover my gift card
Consumer complaint received 2019-09-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Coastal Credit, LLC (PA)

Hello, I made the finally payment on my account and the company sent me the title for my vehicle. I check my credit report and it still states I owe the company {$160.00} and was last reported on XX/XX/2019. I paid my account to a XXXX balance. I contacted the company to try to resolve this issue and they stated they couldn't help me out.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (TX)

The company has sent me three different account number after I've spoken them about issues w/ my loan. I've tried logging in online to make my payment, but it does not provide me the option as there are three accounts linked to my VIN. I've tried calling the company, but I keep getting this message : " Due to high call volume we are experience longer than normal wait times. Please try you call again later '' then the system hangs up on me. I literally can not make contact w/ the company to make my payment. This is a new loan, I'm not sure what account number to mail my payment to, I can not make it online, and I can not call in to make my payment.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NY)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Kenosian & Miele, LLP (CA)

The attorney at law Kenosian & Miele LLP XXXX XXXX XXXX # XXXX LA XXXX XXXX XXXX XXXX Did a hard inquiry on my XXXX  report without my consent or knowledge and now is trying to collect a debt that was the result of ID theft with I have a police report for That was dealt with over 1 -2 years ago I sent them the police report asking them to cease and desist that debt doesn't belong to me They need to do so
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$3500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number THE DATE IS NOW XX/XX/XXXX DISPUTE RESPONSE!!!!!!!!!! 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' ATTACHMENTS XXXX ( XXXXXXXX XXXX )