davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX The financed amount was {$9400.00}. 
I should have paid the total due of {$3400.00} by XX/XX/2020. Which I planned to do ... I had planned to pay it off at the 2 year mark. 

I was going to make my XXXX payment due on XX/XX/XXXX and noticed the {$3600.00} finance charge. The finance charge was more than what was due in XXXX. I made multiple phone calls to XXXX on XX/XX/XXXX and XXXX speaking to multiple customer service representatives, supervisors and then managers. I talked to XXXX, XXXX, XXXX, XXXX and finally XXXX XXXX. 

Here is what happened ... .. 
I had an XXXX XXXX 2 years ago and financed the XXXX. I signed up for online statements and proceeded to pay more than the monthly amount required each month fully planning on paying the entire bill at the end of the finance period before finance charges would accrue. I received emails each month and the emails indicated the minimum amount and the total amount still remaining. I looked at the XXXX bill and noticed that the total amount due had doubled. I immediately called trying to figure out what happened. They of course said I passed the two year mark. I said that the emails had not indicated that I was reaching the XXXX year period ( my fault, I should have marked my calendar ) and I thought they would have maybe indicated that payment needed to be made in full to avoid finance charges in the email. I was wasn't even a month late paying the finance charges and they refuse to make any adjustment, I asked if we could negotiate something less than the full amount. I told them that I wanted to pay it off, I was paying more than required and relied on the emails that didn't indicate everything was due. They said they couldn't make any adjustments. I am sick to my stomach over the amount of the finance charges and stunned that we couldn't come to a resolution.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

LVNV funding is false account. I spoke to XXXX when it was with them. they said they address was in the state of Washington.. I notified them i have never even visited that state. XXXX took it off look at my credit report. then 3 yrs later LVNV bought the account is what the LVNV rep i last spoke to said. I told her same story and i have never been to that state. She said it is here in Michigan. i asked for for what address was it billed to? she told me the address.. and billed from XX/XX/XXXX - XXXX XXXX. I said how can that be i did not live at that address. I moved out of XXXX XXXX XXXX XXXX.. I told the rep at LVNV funding this over 2 months ago, sent me papers to fill out and send back so they can do an eternal check. it did not sound sincere. since the bought the account and just changed addresses anyway. The fact i was not even living at this address when they claim i had service : should prove that this is fraudulent report against me. and has lowered my account at least 60 point since they posted it over 3 years ago. please help me clean up this issue. it is not the only one i have had and disputing. My cousin just reminded me he put they XXXX in his name when we renewed the apartment lease. so it can not be mine. 

Check with XXXX XXXX when i Left that apt XX/XX/XXXX. 
XXXX XXXX of XXXX - XXXX Thank you for your time and patience, XXXX XXXX They have another account for me going back to XXXX XXXX XXXX / the LVNV Rep asked me if i wanted to settle this acct today. i am furious.. this is not a joke.. i have never had a XXXX XXXX or any c-card for XXXX not mine again XXXX account. I have have had my identity stolen. check with Unemployment someone collected it for 2 plus years. they will not answer now for anyone.. maybe you? this was back in XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I have received " invalid '' debt validation from XXXX XXXX, XXXX Vice President of Client Services via email. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I am allowed under HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to ____ for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is as follows : Please provide a breakdown of fees including any and all collection costs and medical charges.

Please provide a copy of my signature with the provider of service to release my medical information to you.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Immediately cease any credit bureau reporting until debt has been validated by me.
Consumer complaint received 2023-05-23
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)

This is my XXXX time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-05-23
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)

This is my XXXXXXXX time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2021-07-14
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)

Hi, After 3 months of trying to get Experian on the line in order to fix my identity issue, I reached a new bottom with Experian. 
with Experian, I'm not able to verify my identity, AGAIN. 

Please, I just want to be able to sign up to the Experian website and be able to be found by creditors that look at me under the Experian database.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (NY)

To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at credit karma on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any sync cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

To whom it may concern, I would like to file a complaint regarding an unfortunate issue I had with opening a priority checking account with Citi Bank. In XXXX, I received some promotional offers from Citi for opening a priority checking account. The terms on the offer states that if I maintain a balance of XXXX for 60 consecutive calendar days, I would receive a bonus of {$700.00}. I opened the account on XX/XX/XXXX and made the deposit of $ XXXX into the account on XX/XX/XXXX. 

As of XX/XX/XXXX, about 91 calendar days after the deposit, I haven't received the opening bonus so I called Citi Bank trying to resolve the issue. I was told by Citi Bank that I had to wait an additional 90 days after the 60 consecutive calendar days to get the opening bonus, which was not presented in the online offer. This took my by surprise that a requirement like this should be presented clearly to the new customers. This is not a good practice to attract new customers to open accounts with Citi Bank. 

Thanks for looking into this matter.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

Jefferson Capital and XXXX XXXX Credit Card settled my account assuring me it would be removed from my credit report. I was deceived into paying off my account. The Credit Bureaus says now they won't remove XXXX XXXX Credit card from my credit report
Consumer complaint received 2022-12-08
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

I ordered an item from a catalog from XXXX. I received the item and the invoice. I mailed my check on XX/XX/21 ( it was due XX/XX/21 ) to the address provided to me. It was not cashed until XX/XX/21. When I went to my bank ( XXXX  ) I was told that the way the company deposited the check, my bank is not able to get a copy. 
I was billed a late fee, I tried calling the phone # provided and it would just disconnect. I then started receiving letters from Comenity bank to pay additional late fees. I have written 2 correspondence trying to resolve the issue. That I had paid for the product as soon as I received it. I'm an older man and have an excellent credit report. I do not pay my bills late. 
This company is gouging me with late fees. I sent my payment in time, and now they have added 5 months of late fees plus extra charges, even though I have tried to resolve this.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (CA)

I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I received a credit card offer in the mail. It said if I opened the card and spent {$1000.00} in 90 days that I would receive {$150.00}, which would be paid as XXXX bonus points. I opened the credit card in the branch on XX/XX/2022. I completed the required transactions in XXXX. I never got the points. I have called the bank three times with no assistance! 

I believe that Fifth Third is committing Unfair and Deceptive practices for mailing out credit card offers and NOT fulfilling the bonus offers.
Consumer complaint received 2023-03-23
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. (MI)

Credit Report Agency has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )
Consumer complaint received 2022-12-08
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. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. XXXX Account XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. This account was never late XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX VA XXXXXXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-02
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: Midwest Recovery Systems (VA)

Complaint Details This company is on my Credit report saying I ow them {$760.00}, i called the creditor XXXX says i dont owe them anything. I am on unemployment because of the Covid19, im already stressed out, dont want to be harrassed, and want them off my credit report please. Thankyou very much. And if you find i owe, I can settle for {$300.00}. 


This message originally read on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX THEN I CONTACTED THE XXXX XXXX XXXX, THEY DID HEAR ANTHING AND TOLD ME I ALSO CAN CONTACT YOUR OFFICE. 

Dear XXXX XXXX : Thank you for contacting the XXXX  XXXX XXXX.This message is in regards to your complaint submitted on XX/XX/2020 against Midwest Recovery Systems, LLC.. Your complaint was assigned ID XXXX. 

Now that I have filed, what is the next step? 

We have accepted your complaint and have forwarded it to thebusiness for their response. We have asked the business to reply promptly, butsome disputes may take  longer than others to conclude. Please be patient as we work to ensure thatyour concerns are addressed. 
What if I do not agree with the response from thebusiness? 

It is important for both parties to maintain realisticexpectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to beable to work towards an amicable solution. Should this prove difficult, we mayoffer you and the business the opportunity to participate in mediation orbinding arbitration. More informationabout these options can be found at XXXX What happens if a business does not respond? 

The XXXX  will make every effort to obtain a response from thebusiness, but some businesses simply do not ever contact us. The XXXX  is not an enforcement agency. Wecannot compel a business to respond. However, failure to do so may result in anegative impact on their XXXX  rating, which may drive away future customers. TheXXXX   can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint. 
Feedback from consumers is vital to XXXX. We appreciate yourwillingness to report this information to us. We look forward to helping youand the business work toward a resolution. Please do not hesitate to contact mewith any additional questions or concerns. 

Sincerely, Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

On XX/XX/XXXX I was going through my checking account and started to notice transactions that were made in XXXX XXXX and other foreign countries that were unfamiliar to me. After clicking on the transactions I noticed that I definitely had not made them. I disputed them immediately and cancelled my debit card and requested a new one to arrive. I disputed close to XXXX payments that added up to {$3500.00} that I never made. The next day, Chime closed my credit builder account without any warning or heads up. 4 days later they closed my checking account. They said they would look into it but they were not helpful on the phone at all. On XX/XX/XXXX ( 2 days after completely closing my account ) they said they concluded their investigation and that no funds would be added to my account from the dispute. I asked for documentation that helped them make this decision and they said they would send it within XXXX business days. It has been 13 days and I still received no further emails from Chime about the rest of the disputed transactions or why they made the decision that they did. They also never said why I wouldnt receive the money in the email they sent me. Lack of communication and no justification for denying my dispute has made me very upset.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the XXXX debt account as incorrect and XXXX XXXX has confirmed they can't verify dept. and agreed to remove item from credit report. Because this account can not be verified please remove from my Equifax credit report.
Consumer complaint received 2020-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

My loan was paid off XX/XX/2020 and when refunding my escrow they deducted an additional PMI payment for XXXX. As per my previous complaint, by their very response the XX/XX/2020 double payment covered XXXX and XXXX. The other PMI payments were as follows : XX/XX/2020 for XXXX, XX/XX/2020 for XXXX and XX/XX/2020 for XXXX. As with previous complaint in addition to this one, I have requested a full audit of my escrow account, they only provided through XXXX and it was in a statement form. Additionally, they answered in an email without documentation. On XX/XX/2020 I requested information on why there was a XXXX PMI disbursement when the loan was paid off in XXXX. Finally, on XX/XX/2020 they responded with a document date XX/XX/2020 which does not account for XXXX whatsoever. I also requested a full accounting of my entire mortgage payments etc and those requests have been ignored. The account was paid in XXXX, they can and should provide a full escrow accounting through the end of the account. Lastly, they now state that PMI is paid in arrears. This was never disclosed and there have been many questions and email which they barely, if at all, answer.