davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

XXXX XXXX XXXX is reporting a collection for XXXX in the amount of {$190.00} that I do not owe because they have failed to validate it per the FDCPA. I have disputed it so many times nad nothing.
Consumer complaint received 2020-11-03
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. (FL)

This is my formal complaint against Experian about the inaccuracies listed on my credit report by Experian Consumer Report which is a result of fraud and Identity Theft. 

The fraudulent companies include ; XXXX - CARD SERVICE XXXX {$5000.00} XX/XX/XXXX XXXX - CARD SERVICE XXXX {$18000.00} XX/XX/XXXX These accounts have been opened and/or used for fraudulent activity in my name using my SSN and personal bank accounts without my knowledge Please note that my personal data was breached in the XXXX XXXX Breach. According to Experian report on XX/XX/XXXX. These accounts were fraudulently opened and used a result of Identity Theft. I submitted police report, Identity theft report and blocking letters but Experian has refused to block these accounts. They are in violation of my rights under the fairs credit act.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (NV)

I still recall that eperience I had with Bank of the West while I tried depositing money into my account. My balance was negative by less than 100 dollars and the atm acted up. My debit card had not returned to me and the money did not reflect on my account. I called Bank of the West Customer Service and the lady I spoke to stated that they would send a tech person, but wasn't alowed to disclose any info. So I recieved a call from the bank the next day to pick up my card. I asked the manager if he can waive the fee and stated he couldn't because he had done it once. He knew about my curcimstance and did not bother to honor the atm issues.
Consumer complaint received 2024-03-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am deeply concerned by your continued disregard for my requests to rectify inaccuracies in my credit profile, which violates the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts, including this final request, you have failed to take action. Over the phone, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Under the FCRA, you are obligated to investigate and correct inaccurate information promptly. Your persistent non-compliance leaves me no choice but to pursue legal action if this matter is not resolved immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2021-09-18
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 (IL)

Barclay 's seems desperate to charge me improper fees. 

Since I had problems getting Barclays to timely post mailed payments, I started paying online. On the due date, I log in, select due date as payment date, and pay. But then they post the payment some other day. 

Why do they allow customer to select payment date if they're not going to XXXX honor it? When I select a particular payment date, I rely on their implicit assurance that they'll actually process my payment on that date. There is no disclaimer that says, oh, we may choose to process your payment on some other day and your selection is essentially meaningless. 

Anyhow, I logged in on XX/XX/XXXX -- the payment due date, I selected XX/XX/XXXX as my payment date, and I made a payment. They even sent me a confirmation email stating that I had made payment on XX/XX/XXXX. 

I noticed something funny when I logged in. Although it was still the due date, they had already charged me a {$39.00} late fee. What the XXXX  is that? The day wasn't even over and they'd already charged me a fee that I did not yet owe. 

Today ( XX/XX/XXXX ), I received an email from them stating that my payment had been made XX/XX/XXXX. WHAT? That is false, I made the payment on XX/XX/XXXX. 

Please cause Barclays to : 1 ) Reverse the erroneous late fee. 
2 ) Go back and post my payment on the correct date, the day it was made, XX/XX/XXXX. 
3 ) Correct their aging so that NO LATE PAYMENTS are reflected in my account history. 
4 ) Cease and desist their fraudulent practice of posting payments day ( s ) after customer makes online payment.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

This complaint is against XXXX, XXXX  and Experian credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
Experian has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows tme-barred debts to remain on a credit report way past the seven years law allows. 
I've requested supporting documentation regarding Experian 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Consumer complaint received 2021-09-18
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. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (RI)

When paying my XXXX statement on my XXXX Visa Card issued by Synchrony Bank ending XX/XX/2021 I had selected to make a one time payment using the option to pay the full statement balance on XX/XX/2021 - the payment due date. The amount that was paid on XX/XX/XXXX was {$280.00} however the statement balance was {$280.00}, therefore the balance was underpaid by {$.00} and I was then charged interest of {$3.00} on the balance on XX/XX/2021. I then got in contact with Synchrony and I was told that the interest was indeed related to the {$.00} underpayment of the balance. I told them that I had selected to pay the full statement balance, which it seems did not occur, and I was asked by a representative if I had a screenshot of myself selecting the pay statement balance when I chose to pay. I feel this is not a normal request or practice for any reasonable consumer. In the end they did reimburse me for the interest charge " this time ''. However I feel that this is misrepresenting the option that I chose and may be an underhanded attempt at collecting fee 's on the card for which I have never carried a balance on before.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica (MI)

I had a checkings account with Comerica bank which I opened due to a promotional coupon. 
I tried several times to use online transfers but I didn't receive the original account number even after opening it online. 
I got a debit card but couldn't activate it. 
Due to so many issues, I requested to have the account closed. 
The account stayed opened and incurred in a fee for not having a direct deposit set up anymore. 
Most banks even offer a waived fee for such issue for the first occurance. The original fee was lower than the {$69.00} requested. 
But instead they send the fee to collections agency, XXXX XXXX XXXX XXXX and are damaging my credit.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2022-08-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

At XXXX today, I received an email that an application for an account had been created by Bank of America . Also at XXXX, I received an email that my application had been approved. 

The thing is, I never applied for this account. 

When I attempted to chat to close, I was told I had to call. So I called ; the first person I spoke to said that there was no information on how the account was opened. He transferred me to another person who was going to submit a fraud claim and then wanted me to call back to close the account. After declining that *very appealing* offer of wasting yet more of my time on an issue I didn't create, she closed the account and initiated the claim. 

I wanted to report this as, given the first person 's comment, it seems likely to me that an employee at Bank of America opened this account. I know financial institutions have fraudulently opened accounts in the past to pad their stats. 

I do not know if this is possible, but I would like to see some documentation regarding the alleged application that was submitted and approved.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

incorrect applications of my payments, spend a lot of time correcting mistakes was sent a letter that my escrow would be short one penny, sent a payment of {$1.00} with a note that it should go towards escrow and was not done. Called several times to get corrected Made a payment XX/XX/XXXX, received by cap 1 XX/XX/XXXX. they extra payment was sent to unapplied funds and a note on my statement that when i make a full payment then t thehey 'll apply to my loan and they will continue to report to credit bureaus
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NJ)

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

RE : Case Number XXXX Claims Department Specialist : On XX/XX/XXXX, the Board of Governors of the Federal Reserve System amended Regulation E, 12 C.F.R. Part 205, in the Federal Register to address overdraft protection programs. The rule became  mandatory on XX/XX/XXXX and the rule applies to both new and existing accounts. This rule requires prohibits banks from assessing fees for paying ATM and one-time debit card transactions unless the consumer " opts-in '' to overdraft protection. This is commonly known as the Opt-In Rule. 

From the period of XX/XX/XXXX to present, I have not " opted-in '' to overdraft protection on my Chase Premier Account ending in XXXX. Despite declining all XXXX XXXX XXXX XXXX  transactions from XX/XX/XXXX until XX/XX/XXXX do to a combination of insufficient funds and compliance with the " Opt-In '' Rule and by issuing a hold do to fraudulent activity, Chase Bank, NA nevertheless decided to make a payment to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3600.00} when the balance of that account was a mere {$2400.00}. I find it highly irregular and morally disturbing that Chase Bank, NA would decline a {$100.00} transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, a {$530.00} transaction to XXXX XXXX XXXX XXXX  on XX/XX/XXXX but would approve a {$3600.00} transaction to XXXX XXXX XXXX XXXX on XX/XX/XXXX bringing my account into insufficient status, thus occurring bank fees and the restriction of my individual liberty. I am starting to get the impression how Chase Bank, NA likes to profit and stay in business. 

I have attached 16 email notifications from Chase Debit Card Fraud Prevention dating from XX/XX/XXXX to XX/XX/XXXX while I was in the hospital for XXXX XXXX for your records and my future correspondence with the FDIC and the Consumer Financial Protection Bureau. Additionally, is it not the policy of Chase Bank, NA to decline any and all transactions when fraud prevention hold is placed on an account until the consumer gets in contact with the Debit Card Fraud Prevention Department in order to verify transactions in order to establish and maintain security on the account in question? 

Again, I look forward to your very timely resolution in this matter.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Letters sent in regards to inaccurate information with XXXX, XXXX, Transunion. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX
Consumer complaint received 2020-07-10
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. (FL)

Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached
Consumer complaint received 2020-10-10
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. (MA)

Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Bread Financial Holdings, Inc. (AR)

comenity capital bank had several accounts for XXXX XXXX XXXX and XXXX XXXX XXXX, we have suppressed XXXX and XXXX has since XXXX we are prepared to take all credit furichers to court should they fail to get XXXX to block our reports.
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Today is XX/XX/2022 the current exchange rate on several sites that I visit show the exchange rate from XXXX  dollar to XXXX XXXX Bank of America charge me XXXX which resulted in over {$150.00} loss to me
Consumer complaint received 2019-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Lil' Wave Financial, Inc. (CA)

On XX/XX/XXXX setup to run payroll with Wave Financial ( waveapps.com ) and entered all banking information required for a direct deposit to one of our employees. The direct deposit was supposed to be completed by XX/XX/XXXX. On XX/XX/XXXX, received an email stating Payroll error and while chatting with their representative asked me to re-enter info. I explained the info entered before is 100 % accurate and how re-entering is going to help. Representative told me, that is the only way to see if it works and it will take 1 business day for success or 5 business days for a failure. 

This is not acceptable as the employee do not get any salary and my company money is further locked for 5 more business days. Also, they do not have any mechanism to do a test direct deposit to verify their system works. This should be investigated.
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.
Consumer complaint received 2022-11-18
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2021-05-23
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. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.