davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

Due to the pandemic, I have temporarily stayed w/ friends outside XXXX area and wasn't able to collect any physical mail from my residence for the whole months of XXXX. This specific credit card had {$0.00} balance but due to an annual membership they charged me during one of these months, I was not aware of any balances, resulting in a late charge fees and interest rate charges. I paid the annual membership amount, and sent this credit card company an email to please waive the late payment fee, due to COVID -19 challenges, but they refuse to. No sure what else to do, if I can not afford to pay these late fees. See email history. How can i get them to help me during this hard times. 

From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. I'm happy to help you today. The late fee charged to your account is correct. We charge late fees when the full minimum payment is not received by the posted cut off time on your scheduled due date. We've already credited a one-time late fee to your account. On XX/XX/XXXX, your account was credited {$27.00} as a one-time courtesy. Your account is not eligible for another credit at this time. Here 's how to avoid late fees in the future. We suggest that you mail your full minimum payment to us at least seven calendar days before your due date to avoid a late fee. You can also pay by phone or online. As of today, your account balance is {$140.00}, and your minimum payment of {$38.00} is due on XX/XX/XXXX. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is a request for a a late payment waiver and its corresponding interests : Due to this annual membership, it automatically was placed on this card, but due to pandemic, I was temporarily out of my current residence ( XXXX XXXX XXXX ) and unable to receive my correspondence by mail. I am hoping you can waive the late payment and its interests incurred during the month of XX/XX/XXXX. Thank you for your consideration and understanding during this time of uncertainty. P.S Note that a payment for annual membership for the amount of {$110.00} has been submitted on today 's date thru XXXX account and should be reflected on your system by XX/XX/XXXX XXXX, XXXX
Consumer complaint received 2020-08-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (TX)

The debt has been sold to National Credit Adjusters, from XXXX XXXX. The alleged owed amount is {$810.00}. The debt fell off of my credit report due to the age of the debt. The debt is approximately 7 years old. The Texas statue of limitations for a debt is 4 years. I am past the limit. However, they are harassing me calling my job. Leaving voicemails. When I answer the worker hangs up in my face and gets very aggitated.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2022-11-16
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: Uplift, Inc (NV)

I found account on my XXXX credit report that was opened around XXXX months ago. That do not belong to me. Account belong to UpLift llc. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted XXXX to remove this account from my credit report.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/2020 and the next subsequent statement generated on XXXX XX/XX/2020 clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. That is, each statement generated after XXXX XX/XX/2020 constitutes a statement that is offset from the XXXX XX/XX/2020 statement outside of the prescribed interval as established from the date of the first statement. The payment history and information for my student loans that XXXX XXXX supplies to the CRAs is incomplete and/or incorrect and must be immediately removed from all credit files for which XXXX has supplied the information to a CRA.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the last dispute case number XXXX I was told by transunion that I could not receive a report because they are investigating and they will be done before XXXX/XXXX/2022. Today is XX/XX/XXXX22 I have not gotten any updates or emails from them saying that they are working on things and I tries to get a report it's saying that it's working on my report. They are in violation of my consumer rights. How is cfpb sitting around allowing this kind of stuff. I'm not asking for legal advice, but I am questioning the position that the cfpb has to allow abuse from the transunion.
Consumer complaint received 2020-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi my name is XXXX. I'm contacting you guys because my husband already contacted you guys about his debit card being skimmed at the gas station and now I believe my card was skimmed at the same gas station. I have a XXXX dollar charge at a XXXX gas station and now I have a XXXX something dollar balance. My husband had a XXXX $ charge at a XXXX as well. I'm struggling with this pandemic as it is and now we both have to wait to get our money back. We want whoever is responsible for our money being stolen from us held accountable and our money returned as soon as possible!
Consumer complaint received 2017-12-10
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: Experian Information Solutions Inc. (IL)

I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both Experian & XXXX to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the EXPERIAN & XXXX have yet to provide.
Consumer complaint received 2022-04-08
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. (FL)

N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  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 sates a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (PA)

XXXX Consumer solutions Is still negatively reporting XXXX  XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from XXXX Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

The collection company Midland Credit Management , Inc have not removed a lien on my property after the lien was dismissed by the court. I also contacted the court about this and because no resolution at this point I see no other option but to file a formal complaint with a Federal agency.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I applied for a secured Discover card with a {$200.00} security deposit. On XX/XX/XXXX the money was withdrawn from my account. About 10 days later i received the card in the.mail. I called to activate the card the same day but was refered to a special agent who said they needed access to my IRS.records to verify my identity. I complied but really didnt understand why a copy of my state id and ss card was t good enough. He said he would activate the card bu t couldnt guarantee it would work. After trying to use the card for a week i was notified the account was closed. I called trying to get my deposit back and the credit reporting removed. I was told i have to wait 2 billing cycles for the money a d there was nothing they could do about the credit reporting.
Consumer complaint received 2020-10-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I pulled my credit report from XXXX  XXXX. I noticed several accounts reporting inaccurate information. I submitted letters to all three credit bureaus. XXXX  Never responded and the other two credit bureaus never deleted the accounts
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MN)

Beginning Balance {$320.00} on XXXX XXXX a online payment to credit card {$78.00} and a Check # XXXX {$240.00} Total {$310.00} Both on XXXX XXXX Funds {$320.00} is Enough to cover. 

On XXXX XXXX in Branch/Lobby personal visit to Deposit with Cash withdrawal of Government Stimulus check receipt enclosed. Bank teller Did not inform me that a cash withdrawal from deposit of stimulus check " could not happen/able only a deposit '' at this time '' Teller responsibility/job duties when " depositing check '' and/or in Customer account/management. 

On XX/XX/XXXX Same day ( deposit and cash withdrawal ) FEE '' S 4x happened : " Force post Debit - {$37.00} times Three ( 3 ) and another FEE for " return check '' {$37.00} TOTAL {$140.00}. 

On XXXX XXXX *Over Draft fee refund " {$74.00} see email dated XXXX XXXX @ XXXX after speaking to Customer service XXXX XXXX she said ( recorded message/phone call that she is only able to credit TWO Fee 's -other TWO fee's- would have to be done by personal visit to Branch Visit assist manager XXXX could only do /access one credit of Two/ '' tools not able computer '' - I asked to have XXXX XXXX phoned XXXX about issue- again only access credit one- I called my XXXX to TCF customer service unable to reach XXXX and phone call hung up upon, Next day called again customer service " chat with XXXX '' with employee says again credit and Nothing happened to credit my account of the Two remaining charges of Fee 's to my account- this/was a Recorded phone calls and TCF/XXXX bank are Denying '' what was said and refuse to correct the remaining fee 's. 

I have XXXX out of " overdraft fee 's and " returning a Check # XXXX and credit card payment ( overdraft charges *Are Not my mistakes nor are they " non sufficient funds available issue- These Fee 's Non allowable/fraudulent and misleading. I want other TWO Fee 's returned to my account.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase bank hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my Chase Checking account ( *XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. Chase tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my Chase Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was Chase 's, but they refuse to correct the error on my credit report.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

XXXX  XXXX  has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (AL)

On XX/XX/2020 my bank ( XXXX ) debited my account {$400.00} and sent it to Southeast Toyota Finance. I called the finance company on XXXX XXXX, XXXX XXXX, and XXXX XXXX and each time was told the {$400.00} had not been credited to my account. A woman named XXXX from my bank researched the problem and determined the following information from XXXX XXXX bank. Southeast Toyota Finance received the {$400.00} on XXXX XXXX and credited it to my account on XX/XX/XXXX. ( XXXX XXXX, XXXX, Case # XXXX, ) After receiving this information from my bank, I checked with Southeast Toyota Finance on XX/XX/2020 to determine if the {$400.00} had been credited to my account yet. I have checked with this company on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. As of today, XX/XX/XXXX, Southeast Toyota Finance has not credited my account with the {$400.00}.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I purchased three items via XXXX. I returned all three items and XXXX took over two months to finally refund my personal debit card, however, my credit card was refunded, but I am being charged two late fees. Commedity Bank is saying that I am still responsible for the late charges even though it was XXXX that did not refund me in a reasonable amount of time. They refunded me one late fee with interest, however, they are refusing to refund me my second late fee, since the only reason it was late due to XXXX not reporting to the account. I don't understand why I would be charged {$50.00}, when the account balance should have been credited to XXXX. I would like to dispute this charge and get the balance to {$0.00} so that I can close the account.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NC)

Several attempts to pay account in full were made on XXXX XX/XX/2020. My first contact was with XXXX XXXX. 
I was transferred multiple times. I was given the number of XXXX which is incorrect and lead me to a telemarketer. 
Because of the harassment of being moved from call to call, being given the incorrect number and having multiple transfers and multiple agents for over four hours. I feel this is a harassment tactic.
Consumer complaint received 2020-06-02
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2021-03-26
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. (CA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.