davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

I purchased a couch at XXXX XXXX back at the end of XX/XX/XXXX for a new office I was furnishing. I found some nicely priced sofas at a local XXXX XXXX. I shopped for the product I wanted and the time of purchase I was offered a XXXX XXXX credit card. I was approved, and used the credit to help fund the purchase of the couch. I was n't explained anything regarding special promotional rates or guidelines by the sales employee who sold me the couch. 

Fast forward seven months, the company is now claiming they had a 6 month promotional rate on the couch for 0 % interest, and that it was made aware to me on my most recent statements that the promo period was ending. Apparently, if I did n't pay the couch off in the 6 months I was going to owe all the interest for the first 6 months ( {$69.00} ), and then whatever else accrues on any remaining open balance I had on the card. 

They charged me {$69.00} on XX/XX/XXXX, and on the XX/XX/XXXX with no warning or clear explanation. After I applied for the card at the store, I waited for the card and statements in the mail for what felt like over 60 days. I grew suspicious due to the long wait and getting nothing in the mail. I decided to call customer service and ask the customer rep. to check our address on file and see if they can send us a card finally. They reissued the card, and despite the error on their part, they would not refund me more then {$15.00} of 1 fee. The total amount I was charged for both fees was {$64.00}, and it was there error because I had not received my statements. 

When I tried to speak to them on the phone when I discovered the had charge my account the finance fee that I disagreed with they said it was to late to change anything. 

I asked them if they had receive my scheduled payment that I placed online for {$100.00} for XX/XX/XXXX but she said nothing was scheduled in the system and I was to receive a late fee for this as well. I was  shocked because even the rep verified she could see the logins on my account on the dates prior to  the bill due date, but did not show any record of the scheduled payment I attempted to submit through their online portal. I tried to explain that their systems must have had an error because I even had it jotted down that I scheduled a {$100.00} payment on my upcoming bill excel sheet. 

With so many problems, I just had it, so I asked to speak to a supervisor who also was unable to help me. I offered to make the immediate payment in full that would have been due back on XX/XX/XXXX to  have received no interest payments. They said it was too late and would n't accept my explanations to reverse the outcome of the interest or fees. I tried explaining that the web portal does not show that the promotional period was ending without clicking into the statement. You have to view the statement in order to view the message. And like so many, I did n't view the details of the statements when logged in. I would just setup payments, and then log off.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (AZ)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX DEPARTMENT OF EDUCATION XXXX .... Balance : {$1600.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Consumer complaint received 2017-10-17
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. (CA)

Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The Tax Lien reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NC)

My credit information held by Equifax has been breached. My identity, and subsequently my credit, is now compromised. From Equifax : " On XX/XX/XXXX, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. ''
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (IL)

I am trying to payoff or refinance my student loans. I first called XXXX and requested a 30 day payoff verification document on Friday, XX/XX/XXXX. On Monday XX/XX/XXXX I followed up with a written request for a 30 day payoff verification document. It is now XX/XX/XXXX, and I still have not received this document, which has prevented me from paying my student loan in full or submitting this document in my application to refinance my student loans.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (OR)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Cyberattackers obtained my social security number, full name, address, driver 's license number, and credit card numbers. I verified through their system that I was one of the people affected. Equifax is charging me {$10.00} to freeze my credit. I would not like to pay  {$10.00} to save myself from their horrible mistake. Furthermore, in order to verify that you were affected, they require that you waive your right to be part of any class action lawsuit.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NM)

sears.com refuses to credit full amount for their 30-day Price Protection original purchase on XX/XX/XXXX {$1000.00} price on XX/XX/XXXX {$870.00} credit to date of {$120.00} leaving an amount due of {$32.00}
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (TX)

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

On XXXX/XXXX/XXXX, I noticed that one of my checks ( # XXXX ) had been debited from my account for the second time on XXXX/XXXX/XXXX. I called SunTrust fraud department to let them know and explain that the check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. They opened XXXX # XXXX. 

On XXXX/XXXX/XXXX, I noticed that another check ( # XXXX XXXX on a different account had been debited from my account for a second time on XXXX/XXXX/XXXX also. This check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. I called back to SunTrust and explained all the details above and that I needed for these checks to be returned either as duplicates or stale-dated items and my funds returned to my account immediately. They started a fraud claim XXXX. They informed me that I should have the funds back in my account with 2 business days. If more information was needed, they would contact me within 15 calendar days. 

Additionally, I went to the XXXX XXXX office on XXXX/XXXX/XXXX and was unable to resolve or get funds credited back to my account. Again, I requested the funds to be returned to my account and the request was denied. 

After being given wrong information from the various customer service personnel - being told that it does n't matter how old the checks are and that the funds had not previously cleared my account, I am not sure that they are aware of how to return checks or fix their error. 

I do not know what else I need to do to correct this problem. I feel that I should have the funds back in my account as I have proved to them that they were previously paid and can not understand why there is such a delay in correcting the bank 's error on my account. I am concerned that this may happen again in the future while they are taking their time in crediting my account back. I am trying to close these two accounts, but do not want to close them until my funds are returned.
Consumer complaint received 2022-11-17
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. (IL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

I reached out to Citibank XXXX XXXX XXXX XXXX for a Covid Forbearance. I was denied when i asked for more information they refused to provide me with the information as to why i was declined. 

I am still unemployed so i tried again and was declined. I asked for additional information and none was provided. I continued to request that my concern be escalated. It took at least ( 6 ) phone calls to get someone to take me seriously. 

I never got a call from the escalation team. Three weeks later i got an email. They stated it was an internal issue as to why I was denied twice. I have paid my account on time and tried to keep up with my credit card debt. They offered me XXXX XXXX XXXX miles. That is not enough to buy a ticket one way. 

I am unemployed over 6 months and the offer miles, I did not get the opportunity that other customers in my position received. Citibank did not even care enough about me and what is going on in my life.
Consumer complaint received 2024-02-15
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. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXXXXXX - Account XXXX This is not mine. 
XXXX - XXXXXXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX Please remove it from my public record
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX Balance : {$64.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00}
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (TX)

I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I XXXX the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XX/XX/2024 CONSUMER FINANCIAL PROTECTION BUREAU Consumer Complaints Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXopy : XXXX XXXX XXXX XXXX, Bank of America Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference : Property Address : XXXX XXXX XXXX XXXX, AL XXXX THIS IS A COMPLAINT AGAINST BANK OF AMERICA AND XXXX FOR THEIR REFUSAL TO REFUND TO US THE SURPLUS FORECLOSURE FUNDS ON OUR PROPERTY Sir : We have not received any response from BofA on our original complaint - Complaint ID XXXX. 

In the meantime, we conducted further research on this matter. Our research indicated that there was no proper endorsement of the note ( loan ) by Countrywide Home Loans ( Countrywide ), the original lender, to XXXX Home Loans ( owned by Bank of America ). 
In addition, our research also indicated that XXXX  XXXX XXXX XXXX ( XXXX  ) which assigned or transferred the propertys mortgage ( or security interest ) to XXXX Home Loans was merely a nominee of XXXXXXXX XXXX XXXXXXXX ( Hometown ), the original mortgagee, and had no financial or ownership interest in the mortgage. 

Therefore XXXX was in no position and no legal standing to assign or transfer ownership interest of the mortgage to Countrywide ( see case ruling attachments ). 
This is related to our complaint previously filed with CFPB ( for which we have not received a response ) that Bank of America manipulated the calculation of interest and fees so they will eat up all the surplus funds resulting from the sale to XXXX on our above indicated residential property. 

We would like Bank of America to send us, if it is in their possession, a certified true copy of the note endorsement by XXXXXXXX XXXX XXXX. They can mail us a certified true copy at our address provided below. 

XXXX. It appears that if there was no proper endorsement of the note, then the note still belongs to XXXX XXXX  and BofA had no ownership interest in our residential property that they sold to XXXX. 

XXXX. If that were the case, the SALE TO XXXX WAS VOID.. 

XXXX. As to the matter of fraudulent assignment of mortgage from XXXX XXXX XXXX this further proves that BofA has no ownership interest on the mortgage, let alone the note, and therefore the sale to XXXX was VOID. 

XXXX. We believe THERE ARE OTHER MEMBERS OF THIS CLASS. We are not the only ones. There should be an audit of all foreclosure sales of Countrywide to BofA, then to XXXX during that period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX | XXXX XXXX
Consumer complaint received 2017-10-16
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. (CA)

In XXXX XXXX, all my student loan accounts with XXXX. of XXXXt were brought back current, positive reporting, and deferred until XXXX XXXX. Experian is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX. of XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to Experian about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these XXXX accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they stated that my credit reporting was approved and changed in the system in XXXX XXXX.