davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

Banana Republic issued new credit cards. When the new card arrived, I went online to activate the card. My online account was automatically updated with the new Card information. However, my automatic payment information was not transferred to the new Card. As a result, automatic payments were not made for two billing cycles. I was charged {$80.00} in late fees and interest for two months due to lack of payment. 

I called on XXXX/XXXX/22, they stated they would credit my account for the fees given their error in conversion. However, the credit would not appear until the next billing cycle. I would continue to accrue interest on the {$80.00} fees if I did not pay the fees. I should not be required to pay for invalid fees and then receive a credit a month later, the fees credit should be processed immediately.
Consumer complaint received 2023-06-13
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. (GA)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2023-03-31
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-17
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-21
Product: Credit 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 (CT)

On XX/XX/2023, while I was on XXXX  out of the country, Bank Of America authorized a charge on my credit card worth up to {$7600.00} USD. Bank of America failed to flag the charge as suspicious and allowed the charge. Upon checking my banking app, that is when i noticed the charges. I did not have the time to deny the charge but they authorized the charge without my informed consent. When I disputed the transaction they were only able to return {$3000.00} of the charge. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX amounting to {$1700.00} and XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00}. When I attempted to dispute the remaining transactions to Bank of America, I was told it was a legitimate charge. During the time of purchase, I was in fact not in the country at the time, I will attach proof that I was not in the United States on the months of XX/XX/2023 to XX/XX/2023. Bank of America sent me documentation containing the details of the purchase, in the documents it states that purchase IP address is located in XXXX XXXX, Connecticut ; knowing this information it is certain I was not the one who made the charges since I was on holiday. Despite my efforts Bank of America will not cancel the remaining charges or give me my money back. Bank of America failed to protect me against fraud of up to a total of {$7600.00} USD before disputing a few charges ; which has also ruined my XXXX XXXX.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union reporting the account type as Open, while XXXX and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union and XXXX are reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2018-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I filed Bankruptcy in XX/XX/XXXX, at the time my student loan with THECB was in forebearance. Upon the filing of my bankruptcy my loan was continued into another bankruptcy. I had not had any correspondence with THECB since XXXX   of XXXX. Towards the end of XX/XX/XXXX a representative from THECB contacted me in regards to my account being past due. I advised her that I had no knowledge of this information and would like to request for my loans to be put into forbearance or Income Based Repayment plan because I was not employed and on government assistance. The agent then stated she was willing to submit my request. After about two weeks, now XX/XX/XXXX I received another call from a gentleman with THECB requesting me to pay my balance. I did advise him that my loans should have been in forbearance due to the previous conversation I had with the last representative. He informed me that the last representative did not actually put me in forbearance and that I was misinformed, I would have to fill out a general postponement form for that. The following week I faxed XXXX the general postponement form. I did not hear from anyone else after this so I contacted them again XX/XX/XXXX requesting more information on my forbearance the representative stated they had not processed my request and to check back with them in the next week or so. I contacted XXXX on XX/XX/XXXX after I received a letter stating my forbearance request was denied. I asked them why they denied it and they said my loan was in default. After continuous attempts of communicating with XXXX over a three month period not one single representative told me my loans were in default nor approaching default. I wrote a letter to XXXX dated XX/XX/XXXX to their executive management team requesting them to remove my account out of default because I had been communicating and trying to resolve the past due loan with a payment plan or forbearance that could work for me since I was unemployed. The letter I received back from XXXX was to contact the credit burearus for any disputes. I was not disputing anything but simply trying to get my loans in a proper repayment plan. I contacted XXXX again XX/XX/XXXX and still received no assistance from this company only a request to pay them over {$5000.00}.
Consumer complaint received 2018-03-21
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: SYNCHRONY FINANCIAL (NV)

After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Care Credit XXXX XXXX. I have tried multiple times to have this item removed from my credit files but it has not been. Care Credit has also removed this item three times, but added the account back to my credit files every time. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. XXXX/Care Credit ... balance : {$12000.00} ... date opened : XX/XX/2014. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

Chase charged me an overdraft fee of {$34.00} even though I have contacted them to opt out of Overdraft protection multiple times. They refused to refund an overdraft free for a payment that should have never been processed because there were not enough funds in the account to cover the payment. When I contact chase to request a refund, they stated that because the account is a reaccuring payment by XXXX for XXXX $ even though there was only {$20.00} in the account. I asked the rep to look back on my account because this was not a reaccuring payment. The rep refused. Chase goes around the overdraft opt out by allowing these charges to go through. Ive never had this issue with any other bank that allows your account to be charged regardless if it was a reaccuring charge or not. Ive brought my account current and am going to close my account but I am still requesting a refund of the overdraft fee.
Consumer complaint received 2016-07-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (CA)

I am a first time home buyer and am in the process of purchasing a home under FHA. I was suppose to close on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and Freedom Mortgage does not return my calls or emails. I am in fear I will loose my new home due to their neglect and lack of due diligence. I have submitted ALL items needed and this company is either toying with me or wants me to walk away as I have yet to close and they keep asking me for items I have already turned in. I have emails to back up all above statements. Also this home is only {$86000.00} with the buyer paying my closing costs, this is a great deal to start off my future for my daughter and I and its all at stake because of this offices lack of business ethics. Please Help!!
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (NY)

XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

Hello, Once again I am not able to make payments on-line, there is blocked access to my credit card account payments page. I am being re-directed to an email verification page. Once again I have tried to clear cache with no resolve. Getting thru to IT help is sketchy but results in a reset that works but when going in to make payment it fails again.

I have been forced to make phone payments, and unable to edit my promotional balances with on-line access blocked once the re-direct happens ( we need your email info updated ) The error I receive states " please enter a valid email address '' Last month I had it freeze after access, and no confirmation of payment so I made a phone payment to avoid late payment. Two payments were processed. 

The company response is not helping, yet my complaints get closed. I will continue to report these occurrences as a matter of record, for any future action I guess? 

Please assist in at least reporting my issue somewhere so others can see that XXXX is not the greatest at internet banking access.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

Please see below from my previous landlord : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Whom it May Concern : RE : XXXX XXXX XXXX XXXX XXXX XXXX Please be advised there is a debt collection on the above referenced persons/tenant by National Credit System through XXXX XXXX XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. This collection is due to a software system glitch and should not have been placed. The XXXX XXXX is in the process of getting this collection removed from all the reporting agencies. 
Please disregard this debt collection. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (AZ)

1. In XX/XX/2015 I ordered a pair of hunting boots from XXXX, paying with a credit card. 
2.Subsequently I recieved a phone call from some one purporting to ba a representative of Comenity - The XXXX, informing me that I owed an over due payment for a pair of boots. 
3. I had no knowledge of this account # XXXX. I had neither requested nor approved the opening of this account. I have never reieved a credt card or notification of the existance of the account. 
4. I paid for the boots, using another credit card and requested that the accont be closed. 
5. Susequently, Despit many phone callsI have continued to recieved monthly statements citing overdue charges. The current balance approaches {$200.00}, all a concatination of overdue charges, the merchandise has been paid for. 
5.I have requested that all charges be recinded and that the account be closed.
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Rewards — 
Company: BMO Bank, N.A. (DC)

After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. 

My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. 

My account number is XXXX
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

Equifax is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Equifax in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Equifax , I certified that XXXX had not responded to me within the required 30 days. Equifax then used the same false reporting from XXXX to " verify '' the false information. Equifax failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Equifax on the matter, the Equifax staff member confirmed that Equifax is using an " update '' from XXXX as verification. Per the Equifax phone staff member : the " update '' from XXXX does not contain any documentary evidence that Equifax has or can provide to me, but they are using that rather than my submission of documented evidence to them.
Consumer complaint received 2022-07-05
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. (OK)

In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX  used my SSN and tied it to my deceased dads card account .. He died in XX/XX/XXXX and now in XX/XX/XXXX it shows up on my credit Experian. His debt was cleared when my mom filed bankruptcy in XXXX. Its not about them wanting money but someone tied my SSN to that account
Consumer complaint received 2018-03-20
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: JPMORGAN CHASE & CO. (MD)

I reported my card lost on XX/XX/17 and Chase Ink said they would close the account and send me a new one. However, they did not block charges on the old account, but continued to accept charges on the new account. I disputed the charges posted after I reported the card lost. The charges posted to the new account should never have been reported as fraud. They should have been blocked. 

No one should be responsible for paying charges after a card is reported as lost, and merchants who try to post charges to a card that has been reported as lost should not be charged with fraud. This company 's customer service department says that it can not do anything except report fraud. This leaves both the credit card holder and the companies with which she or he does business at risk.