davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2019 I was access a late fee of {$38.00}. Now in XX/XX/2019, I was access a late fee of {$38.00}. I called to pay my XXXX bill and was told that I owed {$150.00}. Now they have accessed me a late fee on the XXXX bill which isn't due until XX/XX/2019. Hence {$150.00} ... my monthly payment is {$39.00}. Now customer service say they can dismiss the XXXX late fee, ok that should just leave XXXX late fee, which would bring total cost to about {$75.00} for XXXX. Now that should get things on track ... but no they want that access fee for XXXX to bring it current. Now, when I asked about the XXXX bill they say I owe {$77.00}, this is why the late fees total {$78.00} for XXXX and XXXX and the payment being {$150.00} to bring current, why is that if XX/XX/XXXX is not here yet. They keep talking about the total bill going down, of course that will happen if I pay all these fees I dont owe. XXXX bill should not be in picture with a late fee attached if that payment has not come due to XX/XX/XXXX. To me these people are crooks. I dont mind paying but not for them to extort money from me.
Consumer complaint received 2017-08-07
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. (LA)

I have the following inquiries on my Equifax credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old need to be removed : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX XXXX 21. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: First Credit Services Inc. (TX)

I received an email from HR stating that a letter had been delivered to my job. I had no idea who'd sent it as my job is not listed under my mailing address. When I get there, it is from First Credit Services. I never gave them or XXXX XXXX information about my place of employment due to protection reasons.
Consumer complaint received 2021-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke to your representative today. Please see cfpb notes from today case XXXX. I need an accountable signed response to initiate my lawsuit. This will most likely be a class action and could be federal because the cfpb is omitting all Covid-19 protocols and is not protecting senior citizens. 

See attached letter.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

For months now, I have made payments to my PayPal Credit account with a PAYMENT REALLOCATION request. That is, my total balance consists of several charges made under the " EASY PAY '' ( which allow for 12, 18 or 24  months repayment without interest ), or " DEFERRED INTEREST PURCHASES '' ( which typically give me 6 months to payoff the balance interest free ). Naturally, my intention is to pay the balances with shorter repayment period first. So, when I make my payments, I specifically ask for a PAYMENT ALLOCATION, that is, for a portion of my payment to be applied to the EASY PAY balances ( this would be a REQUIRED MINIMUM payment ), and the balance ( this is not required, but I pay EXTRA each month to help pay these balances off before interest starts accruing ) to be applied to DEFERRED interest balances. 
Each month, my payments are inevitable MISAPPLIED. They are being FULLY credited completely to my lower APR or EASY PAY balances! Each month, I call 7-10 times, explain my situation, and spend at least an hour on the phone! I am told that " a ticket is created for this case '' and that someone in some back office has to go in and manually change the payment for it to be applied as intended. It takes many calls, but the payments eventually get reallocated somewhat correctly ( not 100 % as I requested, but close enough to where it is not worth spending hours on the phone again ). 
Now, since businesses have been operating remotely, the situation has gotten A LOT worse! My last two payments have been misapplied, and I CAN NOT get any help from anyone! I spoke to " representatives '', " account managers '' and " supervisors '' ... ALL TO NO AVAIL! They all sound like parrots, repeating the same lines each time : " we are sorry for inconvenience '', " your case is being forwarded to the proper department '', it can take 1-2 billing cycles for your account to be adjusted '', and on, and on, and on .... 
I just got off the phone ( 1 hour & 25 minutes total! ) with a supervisor ( XXXX ID # XXXX ), who assured me for the 3rd time that " they are working as hard as possible to resolve these issues ''. I have a huge list of names, employee ID numbers and dates of all the people I have spoken with over the last nine months! I will be more than happy to provide this information, if needed. I just can not spend hours on the phone anymore, and now filing complaints! This is inexcusable! The amount of internet aggrievances posted against this company are staggering! Someone needs to hear US!!! 
PLEASE HELP!
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

A complaint was submitted to CFPB on XX/XX/2020 after certified letter debt validation letters where sent to IC SYSTEM ON XX/XX/2020. IC SYSTEM responded on XX/XX/2020 to my complaint with a credit removal document with corrected spelling of my name, and stated that this would no longer be reported and it would be removed off of all credit bureaus. As of XX/XX/2020 the following debt still appears on XXXX  and XXXX. XXXX XXXX  XXXX : XXXX.
Consumer complaint received 2020-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I've attended University XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was promised job placement before enrolling. I was advised once my XXXX XXXX XXXX was completed, I would be guaranteed to get an entry job in my field so I can gain experience. Because of what was being proposed to me, I believed the advisor and completed my associates and my bachelor 's with them. Since I've graduated, no job placement was provided to me. Due to no job placement and no experience, I am unable to get a job in the related field. Now, I am stuck with debt in the amount of {$59000.00} and no job in the field I've graduated.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

In XX/XX/2019 I received a notice that my victory secret credit card statement ( comenity bank ) was ready. I paid my balance in full in XX/XX/2019 and made no additional charges. I called immediately after logging in and seeing 2 late charges but now product was bought/ordered. I found out that when I paid my balance in full that it was 1 or 2 days late from the due date and that the it doesn't show up as a late payment until the next months statement comes out. So I had 2 late charges of {$30.00} each plus interest on the late charge. Their policy is to only refund 1 late charge per year. They wouldn't budge on the policy so I asked to pay what I owed ( right then on the phone ) and cancel my card. So they refunded 1 late charge. I paid the late charge and interest on the late charge. I received verbal confirmation that the credit card was closed. I moved and actually changed phone number about 1 month after that. I pulled my credit report and saw now I owe comenity bank over {$200.00}. I called and they said that when I made that payment to close the credit card I was already late and now there is more interest on a late payment that has nothing to with the original balance
Consumer complaint received 2017-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MA)

Our organization, XXXX XXXX XXXX XXXX, had its nonprofit checking account closed by PNC Bank without notice on or around XX/XX/2022. At which point, the XXXX, Massachusetts PNC branch ( located at XXXX XXXX XXXX  XXXX, MA XXXX ) refused to communicate with us and would only communicate with a former employee whose name was on the account. We had been trying to transfer ownership over the account to our organization 's president, but the PNC branch made it incredibly difficult to do so. Moreover, at no point did they communicate that our account would be closed if the ownership transfer did not occur. On XX/XX/2022, PNC communicated to our former employee that a check in the amount of our account balance of over {$60000.00} had been issued to that former employee, who lives in Maryland, and that it would take between 7-14 business days to arrive. As of today, XX/XX/2022, the check has not arrived at the former employee 's address. The PNC branch is not able to say where the check is and does not have a tracking number for the envelope in which they mailed it. Effectively, our entire bank account balance has been lost, employees have failed to receive scheduled payments, and damages have been accrued as a result. PNC has offered no constructive steps to remedy their failure to provide notice about the closure, deliver the funds promptly within 7-14 business days, nor satisfy our legal claim to funds which are ours. We are a nonprofit that had to open a new account with another bank, and as result of PNC, we currently have only {$50.00} in it. We need assistance immediately.
Consumer complaint received 2022-04-05
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. (CO)

I have tried multiple times to get Equifax to remove XXXX county Department of Child support. Despite my overwhelming proof that this account is fraudulent, and request for a proper thorough investigation, this account remains on my credit.The most recent version of this account on my credit is incomplete. It does not show the terms or the amount to be paid every month, along with the highest balance being {$0.00} ( zero ). Why is there an account with highest balance of {$0.00} showing that I've made 96 % of the payment on not only still on my credit but impacting my credit negatively. All I asked for was for multiple times is that Equifax to do a proper investigation and provide me with the methods used to verify this account. I have been doing this for years and have yet to receive any documentation of such. Years. This is ridiculous and a clear violation of FCRA. The credit system is flawed
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2020-09-18
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: TRUIST FINANCIAL CORPORATION (VA)

XXXX I noticed a charge I didnt make on my credit card. I called sun trust and filed a fraud claim. Today they said the claim was denied because it was a valid purchase. I havent purchased anything on XXXX since XX/XX/XXXX I did not make this purchase and sun trust is letting someone use my card illegally. Card was replaced.
Consumer complaint received 2023-01-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

My husband passed away XX/XX/XXXX. In going through his papers, I discovered a Certificate of Deposit that he had purchased on XX/XX/XXXX, ( attached ). I am his executor and beneficiary ( part of will attached ). The CD was issues by XXXX XXXX and XXXX XXXX of Maryland, XXXX, MD. I mailed a packet of information to an address I found on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was unable to deliver and returned the the packet to me. I telephoned banks with similar names, but none acquired this particular bank. I heard a presentation by XXXX XXXX, Consumer Protection Advocate for the District of Columbia Department of Insurance, Securities, and Banking, XXXX. His office discovered that the above bank was ultimately in the hands of Truist Bank and suggested that I contact XXXX XXXX, Truist Bank, XXXX XXXX XXXX, XXXX XXXX The Maryland State Unclaimed Property, XXXX -- XXXX and The District of Columbia Unclaimed Property Unit, XXXX. I contacted al three on XX/XX/XXXX. XXXX XXXX told me that there was no CD under my husband 's name and that they " no longer hold that relationship. '' Any unclaimed proerty would have been sent to MD or DC Unclaimed Property Units. The DC unit emailed me a letter ( attached ) stating that my husband had no unclaimed funds. The Maryland unit tols me the same thing.
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WY)

On XX/XX/2019, I transferred {$780.00} to my daughter 's Paypal account. Unfortunately, the destination account was a foreign ( XXXX ) account that she had used while living abroad. My daughter discovered belatedly that she had limited access to the account because she could not prove she physically lived in XXXX, so she was unable to access the funds I sent to her. 

On XX/XX/XXXX, I put a stop payment with XXXX XXXX XXXX Bank, hoping that the transfer would not be made. The transfer was completed anyhow to my daughter 's old account with Paypal fronting the funds. Because I placed a stop payment at my bank on the transfer, Paypal now claims that my account has a negative balance that I owe to Paypal. 

Because I don't want to be charged twice for the same transaction, I have refused to cover the balance. Instead, we have tried to work with Paypal USA and Paypal XXXX Customer Service to resolve the problem without success. They say there is no recourse for recovering these funds from the old account, even if the owner gives her permission to refund the money or transfer it back to my account, yet still I have to cover the negative balance on my account.
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 XXXXXXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.