davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-08-21
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. (CA)

On XX/XX/XXXX I received a preapproved offer through XX/XX/XXXX for a XX/XX/XXXX unsecured personal loan at just over 23 % through XX/XX/XXXX. The loan would have been used to pay off credit card balances which would have improved my credit score allowing me to refinance my home. When I accepted the preapproved offer a hard inquiry went on my credit and  they changed the offer to a secured loan against my autos. I let the person on the phone know my vehicles have loans and I wasn’t applying for an auto loan. The lady told me that the company charges 33-37% on unsecured personal loans. Had this been disclosed up front I would NEVER have applied. If this was somehow, someway disclosed, it was hidden at best. I believe it was outright fraud via bait and switch. I would like the inquiry removed from my credit report. I called the credit dispute of XX/XX/XXXX and was told I could write a dispute but it would not change anything .
Consumer complaint received 2023-10-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I am not LIABLE for this debt. I DO NOT have a CONTRACT with " National Credit Systems ''. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law. 


I am also requesting that the company send me the " ORGINAL '' contract copy with my wet signature I am also requesting that this company send a copy of the payment history, as well as the " ORGINAL ' address of the " ORGINAL '' creditor and I am also asking for proof of collection authorization.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (PA)

Our Corporate Wells Fargo Account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Wells Fargo is unrightfully holding in reserve for over 8 months now our payout of {$2300.00}. I contacted them today and they said that they can hold our funds that are due for one year which would be XX/XX/XXXX of XXXX. They unrightfully terminated our vendor account without notification on XX/XX/XXXX and are holding funds from Account number XXXX Please help
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have problem with XXXX  Credit Bereau. XXXX  reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX messages to my mobile harrassing me by calling from unknown numbers . this is because of XXXX  sending and sharing my information to other parties. and XXXX  showing falsify information on my credit report beacuse of that iam paying 18% APR every month. i have been paid 4500% interest in just two years because of XXXX falsify credit report. iam going to file a law suit against XXXX. we are struggling her becuase of XXXX. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (IL)

15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 : XXXXXXXX XXXX  Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX has violated my rights. Or 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.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I applied for a Platinum Perks Checking Account with Huntington Bank on XXXX XXXX in order to take advantage of a new customer offer the bank was running. They promised to give new customers a {$600.00} bonus if they deposited {$25000.00} or more with the bank and kept an account open. I called customer service with the bank TWICE inquire about the steps that needed to be taken for me to take advantage of this offer, once just before I opened the account. I went through the bank website to open and account and attempted multiple times to have a promo code sent to my email address, but nothing ever arrived. I checked spam folder as well and never received anything. I called customer service with the bank again and was ASSURED that the promo code would be applied automatically if I signed up for an account through the link on the website below the offer. I did so, just as instructed. 

I've met all the criteria to receive the {$600.00}. I called the bank today, XXXX XXXX, to MAKE SURE there was nothing else I needed to do to get the offer and was told by both a CSR and a customer service manager that there was no promo code applied to my account and that I would not receive the bonus as the offer stated. 

I feel like this was a clear scam, and an instance where Huntington Bank misled me into opening an account and depositing a large sum of money with then on the promise that I would get a {$600.00} bonus ... a promise they clearly did not keep.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single teacher, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I recently opened a Chase Credit Card account - A XXXX XXXX. Within a month or so of having my account in great standing, paying on time, only using for basic everyday purchases, I received a letter saying they were closing my account. 

Without understanding why, since I have good credit and {$0.00} in debt to my name, no outstanding balances anywhere, I requested a motive. They did not give me XXXX other than in the past Chase had closed one of my accounts. 

About 12 years ago I had a Chase banking account and linked it to my XXXX where I ended up auctioning off things I had around the house. Chase said I was using a checking account as a business, which was very odd, but they ended up immediately closing my account, even though there were only a handful of transactions from XXXX and none that exceeded a few dollars. I went to the branch and was told the decision was final and I did not have the right of an appeal. 

The issue I have is they approved my credit card and ran a credit report, and now I have not only a credit request, but also an account closed under my name and I have never done anything remotely wrong. They put a dent on my credit and I have not broken any laws, rules or regulations.
Consumer complaint received 2023-10-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MI)

So we have had issues with the billing and payments through XXXX. For months before we ended our services we would make payments and they would deny the payment from our debit card. Then they would run it again and it would go through. In XXXX of last year we had the same thing happen, didn't think much about it at the time, until they started deducting the payments that they said didn't go through and still charging us. So in XXXX of XXXX I was reviewing the bills with support form XXXX and found I was being charged for things we did not have for years. The lady was going to credit the account XXXX one week and another XXXX the following week as that was the most they could do to help fix the issues. The credit never came and in XXXX and they shut the services off in XXXX. You can see there are XXXX transitions and technically there was a XXXX as well for XXXX, but that got resolved and does not show. 

All payments were made through XXXX. 

The payment through XXXX XXXX XXXX XXXX for {$260.00} on XX/XX/XXXX XXXX said it posted for 3 days then unposted. I have attached the statement from XXXX XXXX showing in was never returned. 

XXXX turned off TV on the XXXX and declined the payment for XXXX. I immediately get a notification the payment of XXXX must now be paid. So I pay that. Now I look at my banking and I have XXXX payments made to xfinity. 

A stop payment on the XXXX was started through XXXX as the account was over paid, but XXXX fought it and it went through. 

So now I have paid XXXX XXXX not just XXXX in the month of XXXX and the account is overpaid. They billed me again for the XXXX from XXXX in XXXX. 
On XX/XX/XXXX a payment for XXXX was made, but never credited to my account until XXXX. 

This is how screwed up they had my account. 

You will see over the next several statements along with a credit of XXXX. That was supposed to be XXXX, ( but they need a higher manger approval to do it all at once ) because they had been billing me for several years for equipment that was turned in years before. 

This is why I ended my services. There are literally days I have wasted on XXXX, trying to sort this all out. Not to mention I'm getting hit with all these fees and they are not being responsible for any of it. 

I have attached the documentation. I spent a large amount of time after work with XXXX trying to resolve this, I also spent hrs. during work. I should not have to spent this much time trying to undo the issues. I tried to work with them for months, trying to be understanding as they tried to figure out what happened. Then they tried to explain what they thought happened and at this point I was done. My kid could not do his school work, our security system was not functional and had no TV. I was done with trying to be reasonable. I dealt with this for 4 months.
Consumer complaint received 2023-10-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I have tried to use Amex Gift card at multiple locations online -- the virtual card states that it can not be used in physical stores. It failed at XXXX ( where I really wanted to use it ) and when I called Amex customer service they told me that XXXX does not accept so I should use it on XXXX. I did not want anything at XXXX but tried anyway. It was also declined there in spite of sufficient funds. 

Very frustrating experience and card feels unusable for me to purchase any items that I want -- in addition they have started substracting $ XXXXmonth from the balance so there is urgency to use it.
Consumer complaint received 2023-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the XXXX over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America XXXX XXXX VA XXXX # XXXX now we are told that XXXX is once again proclaimed to XXXX party of the property. Yet we have received only XXXX more notices of assignment changes and they are for BOFA MERRILL LYNCH XXXX XXXX, XXXX ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in 2006 our loan was paid in full by XXXX XXXX and was a resale exchange.Irene XXXX XXXX XXXX Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the XXXX credit bureaus since XXXX file examined by FOIA. 

The XXXX XXXX Department has taken our case and have assigned a XXXX involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I deposited a check from my personal account ( XXXX ) to my business account at Bank of America. When I made the deposit at the Bank of America branch I was informed that there would be a hold on the deposit until XX/XX/XXXX and given a hold notice via receipt. Relying on this information, I wrote employee paychecks for deposit on XX/XX/XXXX. On XX/XX/XXXX I received email notice that the hold on my business account at Bank of America would be extended until XX/XX/XXXX. This extension of the hold on my deposit caused all of my employee checks to bounce even thought the check I deposited into my account from XXXX had cleared. 

I immediately went back to the Bank of America branch on XX/XX/XXXX after getting the second hold notice and also followed up by calling the customer service number and speaking to a representative and supervisor. No one was able to resolve my issue and all of my employee paychecks bounced. 

This has caused me and my business extreme distress and seems to be a very unfair and deceptive practice.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in XXXX amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (VA)

I applied for mortgage assistance with Specialized Loan Servicing ( SLS ) in XXXX, XXXX, and XX/XX/XXXX. I was instructed by SLS representative to apply for a short sale as that was my only assistance option available. I was instructed to apply each month until I obtained a purchase offer on my home to be evaluated and approved. I followed instructions as directed. I submitted an assistance application in XXXX, which was approved by SLS. I was told I would have the necessary time of 90 days to obtain a ratified purchase order. I was also instructed to continue to apply to make sure my status of short sale approval with SLS continued to be active. I did just that submitting two additional applications in XXXX and in XX/XX/XXXX. SLS states they received my application in XXXX ; however, they ignored the application and stated they did not receive the XX/XX/XXXX application. 
On XX/XX/XXXX, SLS wrongfully closed my short sale application and immediately placed a sale date on my file. I followed the instructions and directions of the SLS representative and now I am being penalized and being forced into a foreclosure sale. 
My understanding is that my file would continue to stay open for 90 days as I attempted to get a contract on my home. I sent a new application for a short sale on XXXX which was ignored and an additional application on XX/XX/XXXX to make sure the application stayed open. On XXXX I was able to ratify a purchase contract to have my home purchased. This information was sent to SLS with the required information needed to complete short sale approval and this was denied! 
SLS is wrongfully forcing me into a foreclosure sale, denying me the right to sell my home and avoid a foreclosure.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.