davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (MN)

I received a late fee from a credit card company without realizing it. I called to take care of the fee, as that was all that was remaining of my outstanding balance. By the time I called to pay the fee, the company had already accrued more fees for nonpayment of my balance, which, again, was only the late fee. The person I spoke with was very nice and said that she would remove the other fees on my account if I paid the original fee that day over the phone. I did just that. This week I received a phone call indicating I now had a balance on this card of over {$70.00} - all fees as I had not made any purchases since my call to pay my fee. It appears the person I spoke to did not clear my fees as she had told me, and the company gave me additional fees. I have tried to explain this to the company, but with no luck, and I ended up just paying additional fees. I believe the practice of charging fees upon a balance that is only made up of fees is unfair and not right.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Going through the website, I chose to lock my credit report ... which was the only choice. I then ended up signing up for a subscription, $ XXXX month, to monitor my credit and lock/ unlock. At the time of signing up and paying, there was never any indication that this was a subscription, and something in addition to a simple credit lock. I called them back and they would not refund the initial {$20.00}, but they did cancel the service. Also, I was able to put a " freeze '' on my credit later without paying their usual {$10.00} fee. 

The main issue is with their initial page, and not making a distinction between the " lock '' ( paid and $ XXXX month ) and the " freeze '' ( paid, XXXX time, {$10.00} ). It pulls you in to a subscription service and does not explain this from the onset.
Consumer complaint received 2019-03-05
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. (TX)

Late in 2014, I took out a loan with XXXX. After making several payments I learned that this company was not licensed in my state to make loans or charge the usurious interest rates they were charging me. I contacted them to stop taking money out of my account, but they attempted 1 last time, and then I attempted to reach a settlement with them based on the original XXXX I borrowed, minus the XXXX I paid, minus the NSF fee incurred by them attempting to debit my checking account 1 last time after I gave them proper notice to stop. I have attached the e-mail chain from my last correspondence with XXXX cash. 

My e-mail went unanswered and I never thought about these crooks again until I was notified last week that a collection account was placed on at least 2 of my credit reports by a company named XXXX XXXX XXXX. When I contacted them they said they bought the debt from another debt collection company that bought it from XXXX. Because XXXX had no legal recourse to collect on the loan, they left me alone but then sold the debt to at least 2 other companies to attempt to illegally collect on the loan. 

I want XXXX XXXX  to lose all of my contact information, stop selling a debt that can't be collected on, and notify every collection agency they sold it to to leave me alone and remove any negative information from my credit report. The next step is a lawsuit.
Consumer complaint received 2021-10-04
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. (IL)

On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.
Consumer complaint received 2021-08-05
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. (NV)

I am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX Credit profile. 


XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX EquifaXXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mtg Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.
Consumer complaint received 2022-09-09
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (TX)

Optimum Outcomes refuses to respond to letters requesting validation for a collection they are reporting on my  XXXX  credit report. They are in violation of both Federal and TX law. Texas law provides that I can request validation at ANY time. I have no idea who they are collecting for and who owns the alleged debt. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit report. Optimum Outcomes continues to verify with  XXXX  and they refuse to respond to my letters.   The account number listed on my  XXXX  report is  XXXX . The last  XXXX  numbers have  XXXX  's so the entire account number is not listed. At this point, by their refusal to provide me with ANY documentation, I have no other reason than to believe that this is a bogus debt and an attempt at extortion. They are currently reporting a collection in the amount of  XXXX . I need to know who they are supposedly collecting for so I can advise them of Optimum Outcomes abusive and highly illegal behavior. I will not hesitate to contact an attorney should Optimum Outcomes continue to ignore my requests for validation while continuing to verify with  XXXX . This is extremely unethical and illegal behavior.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IN)

Barclay Mastercard has been set-up for monthly autopay since XXXX. Barclay Mastercard extracts payments from my XXXX XXXX XXXX  in the amount of {$19.00} monthly for payment charges from the merchant, XXXX totaling {$19.00}, therefore resulting in a XXXX XXXX. As of XX/XX/XXXX, Barclay Mastercard has not applied the {$19.00} auto payments to my account, resulting in my balance rolling over in the amount of {$39.00}. Spoke with several reps only to be disconnected and told they could not figure out the problem. Finally, spoke XXXX, XXXX, who stated he was going to XXXX a {$40.00} credit on my account to offset the charges. However, only XXXX cents was applied on XX/XX/XXXX to my account. Contacted Barclay Mastercard again several times only to be disconnected and told they are unfamiliar with the problem. Due to either a system error or fraudulent practice I have a balance sitting on my account in which I have issued payment for totaling {$39.00}.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXBalance : {$630.00} XXXXXXXX XXXX XXXX XXXXBalance : {$630.00} XXXX XXXX XXXXBalance : {$780.00}
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

On  XXXX / XXXX /  XXXX   I submitted an online dispute for a account I have 'No Knowledge ' of and On  XXXX / XXXX /  XXXX   received email dispute was completed without results. However, when accessed credit report on  XXXX / XXXX /  XXXX   and item is still showing  'Under Investigation a nd I should have my results soon '. I 've attached a copy of credit report to support complaint, the item in question is the very last item in the attached. Thank you.
Consumer complaint received 2019-10-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have filed disputes and called equifax to correct my bankruptcy reporting. Equifax has continously reported inaccurate bankrupt information. I am led to believe this is intentional. They have mentioned on their response letter they verified information against  XXXX   XXXX . Why can these people not get my credit report correct? They have affected my ability o purchase a home.They are reporting me filing a chapter  XXXX  on    XXXX   XXXX      when this bankruptcy has been paid in full and discharged. According to FCRA, if someone is reporting inaccurate information, it should be deleted.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

The short sale has been under review for 115 days. The investor first denied the buyer closing costs despite being a VA financing purchased. Lastly, we were counter to increase the price to {$240000.00}. the current offer amount is {$230000.00}. On  XX/XX/XXXX , copious amounts of supporting documentation to back up our offer amount were submitted in the form of a value dispute as a response to the counter. It has been over a month and there have been no updates regarding a decision.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

Convergent  XXXX  has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with Convergent  XXXX  nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the  State,   City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, TRANSUNION, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.
Consumer complaint received 2019-10-29
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. (FL)

On XX/XX/2019 I disputed inaccurate reporting on my credit file with Experian. Letter sent via certified mail. All the XXXX of the Bureas are reporting different data. They verified it and left it unchanged. On XX/XX/2019 I sent another letter via certified mail requesting the method in which in the investigation was conducted. Instead of supplying me with this information, they opened another dispute, and again verified it, and left it unchanged. I wasn't requesting to dispute it again. I want disclosure on how the investigation was conducted so I can get to the root of the problem. And still, all three of the bureaus are reporting VERY different data on my account.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The funds in my capital one checking and savings account are not available due to a XXXX transfer of {$100.00}. 

The XXXX transfer was initiated on XX/XX/2024. I try explaining to capital one that the {$100.00} is not a business transaction. Unfortunately I was not aware that you can not use XXXX with capital one because it triggers a scam alert. 

Please guys help me out. Unfortunately I got all my funds with them and need to be able to access them as soon as possible in order to provide for my wife and kids. 

Thank you for your assistance!
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

I have an American Express everyday card. 
I noticed I have had a high payment throughout the last few months. But there isn't a lot of clarity in the monthly statement. 
I called AMEX today to ask what my current interest rate is as I know it fluctuates the AMEX rep said I am paying a " penalty APR of 29.9 % ''. 
I asked what a penalty APR is and they said you are even a few days late making a payment ( I made a late payment last XXXX ) then it is an automatic late fee of XXXX AND 6 MONTHS of a penalty APR 29.9 %!! 

I have good credit and late fees happen but a penalty APR for 6 months is bad business.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OK)

A purchase was made using my SSN for a pair of XXXX shoes and some sort of line of credit or loan was taken out with Affirm loans, for {$780.00} in XX/XX/XXXX. I received the goods and sent them back to the company on XX/XX/XXXX and provided a return receipt to Affirm. I've confirmed with them this loan was not mine. The date of birth on file and phone number and name I use was different than the application completed. After becoming aware of the dispute, Affirm sold the debt to XXXX XXXX XXXX, which is a violation of the FCRA and FDCPA regulations. I sent a complete fraud packet to both companies including a police report, proof of my ID, and an ID Theft Affidavit for them to investigate. 

As of XX/XX/XXXX, XXXX XXXX has advised that this debt was validated by Affirm. I was not told based on what information they are deeming this valid and the goods have been returned. I would like this debt removed from my credit report as it is not mine.
Consumer complaint received 2017-09-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MT)

I have been working with Chase for 2 years now they keep giving me a run around telling me that I have n't submitted documents telling me that my documents are incomplete that someone has called me, that they are calling to verify information and that they do n't have it they never return my calls they have other people call mix-up information and refuse to call me back or follow up on paperwork they tell me that the paperwork is in escalation and each time I call they say that it 's still in escalation and it 's been going on for almost 2 years I can not get anywhere with this my loan is in default and it just keeps adding up more and more fees and they refused to go any farther with this. I need help.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NV)

AMEX HAS XXXX INQUIRES ON MY CREDIT PROFILE. I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. THIS IS FRAUDULENT
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Account XXXX with Midland Funding was paid as  agreed with the original creditor XXXX XXXX XXXX but was still sold to Midland Funding without notice to the consumer.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (ID)

I have enrolled in XXXX XXXX XXXX as an alternative to filing for bankruptcy. I have notified Lendmark Financial that I am enrolled in the program and to contact XXXX XXXX XXXX as they are handling this financial case. I have asked them on 3 separate occasions to NOT call me at work. I asked them on XXXX XXXX, 2017 at XXXX XXXX to not call, again on XXXX XXXX at XXXX XXXX, and again on XXXX XXXX, 2017 at XXXX XXXX to not contact me at work. I am in jeopardy of losing my job. I 've asked them REPEATEDLY to contact XXXX XXXX XXXX.
Consumer complaint received 2023-01-27
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: Bridgecrest Acceptance Corporation (FL)

In accordance with the Fair Credit Reporting act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.