davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Hello, I had a 12-month promotional plan through an Arhaus Archarge Comenity account. I had {$1100.00} remaining balance that I needed to pay by XX/XX/XXXX. Due to the pandemic, and reduced funds, I had to move around money and needed funds to clear. On XX/XX/XXXX, I paid {$1100.00}. Because I was one day late and {$52.00} short, this resulted in a {$1700.00} finance charge! 

I've been a loyal customer -- spent over {$10000.00} in one year, always paid on time and almost always paid more than the minimum amount. When I called the company, they said while they can waive late fees, they're unwilling to budge on the promotional charge. 

I find this charge extremely misleading. I should be able to designate online how much of my payments should be applied to which promotional plans. Instead, the company decided this for me and then charged me an outrageous fee. 

For example, on XX/XX/XXXX ( XX/XX/XXXX statement attached ), I made a payment of {$1000.00}. 

Comenity split up the payment by applying {$20.00} to a promotional plan due XX/XX/XXXX, {$250.00} to a plan due XX/XX/XXXX, and {$720.00} to a plan due XX/XX/XXXX. This wiped out the balance of the XX/XX/XXXX plan when I had 3 more months to pay off the balance. 

If I had been able to designate how to apply the payment, or had they checked with me ( the paying customer ), I would've instructed them to apply the highest amount to the highest balance, which is the plan they later charged me a {$1700.00} fee for!
Consumer complaint received 2022-08-04
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: Rent Recovery Solutions (OK)

Called XXXX today to get accounts removed off my credit report, that I did not give them the right to consent to the account pursuant to 15 usc 1681b # 2. 

I spoke with them on XX/XX/2022, at XXXXXXXX XXXX. CST and they are refusing to delete these accounts. I asked to speak with a supervisor and told her that they are violating my consumer rights. 
I demand the accounts be removed as followed : XXXX XXXX : {$6500.00} XXXX XXXX XXXXXXXX : {$6300.00} Rent Recovery : {$2400.00} XXXX XXXX XXXX : {$580.00} and XXXX closed accounts, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NY)

I got a notification from a credit bureau notifying me of a collection on my account from sequium asset solutions for XXXX. This collection agency did not bother to call me or mail me anything to inform me I owed money and they reported it to the credit bureaus before I could make it right and pay the XXXX so they did not report it on my credit history. I paid the collection on XX/XX/XXXX I have a email from them confirming my payment. It is now XX/XX/XXXX and I have yet to receive a paid in full letter that I have requested twice. I also would like to get this off my credit history and they will not report to any of the credit bureaus that is paid in full.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal has been the company that services my mortgages. ( Now it is only one ) I suffered a XXXX XXXX XXXX that rendered me XXXX XXXX and required assistance to be able to make payments on my mortgage and credit cards. The credit card was settled after two months of being late for a lump sum as I explained and was willing to provide my medical history. The decision was to work out a lump sum settlement for the credit card that I had for many years. The creditor advised me that for the payment that I made it would be seen as a good gesture as they had all my financial information and knew of my hardship. The company said I would be able to open a secured card after 12 months and keeping up to date on my mortgage that the company did perform a restructuring of the loan. At the end of XXXX I spoke to a representative about getting a secured credit card and made a deposit of {$5000.00} so that I could re-establish a relationship with the bank. They advised me that a secured credit card would be approved based on the fact that it was with my own money that would provide the credit and there was no risk to the company. I had one month where I needed to delay the payment of the mortgage due to COVID and they told me that it would not negatively impact me. I have paid them back and now up to date as I only did it as my income was delayed and impacted due to the pandemic. Navy Federal misrepresented the fact that the card would be established by using that I had a previous negotiated settlement with them. This was contrary to what was explained as they advised me that Navy Federal provides their members a second chance. This was a frustrating call as they did find the notes that stated that I made a call before I made a {$5000.00} deposit for the secured credit card. My goal is to establish a card and relationship with Navy Federal for  the chance of having a mortgage with them if I were to move the future. I feel that the actions that they took were not only unethical but contrary to their promise to me. 
The company is unethical in their behavior and want them to follow through with their promise along with the truth about me to have a potential for a mortgage. ( I do not want to be told something that is not only wrong but against a policy that they have for any of the programs they offer )
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have had this item removed from my credit previously due to it being a fraud account. Experian is the the only CRA that continuously puts it back on. I never attended XXXX University. I have never taken a single class with these people. My wallet was stolen some years ago and I try to stay on top of my credit in case things pop up that I did not do. Experian has made this process extremely hard.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX XXXX XXXX XXXXXXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-08-04
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. (SC)

In XXXX after my credit score dropped almost XXXX points XXXX reported my loans 90 days past due but I did a deferment. I was not notified by XXXX before deferment ended. I submitted a dispute the same day XXXX  put a forbearance in place that I was not aware that I had available to me. On each loan with Experian and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday Experian sent me a notification that my dispute was completed and XXXX changed nothing and left all loans as is. I called Experian and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving XXXX another 30 days to fix it. I brought this to XXXX attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called XXXX about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again XXXX will not give me any information. I have had nothing but headaches with XXXX since they were XXXX XXXX. I did a rehabilitation in XXXX for XXXX loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue XXXX and Experian. The loans for XXXX College also belong to once was XXXX XXXX. In XXXX I believe XXXX  XXXX switched the name to XXXX College. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. Virginia College took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My Virginia College loans are with XXXX I believe. I asked XXXX for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of XXXX.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I applied for a credit card via XXXXXXXX XXXX website. I was denied for credit. 
12 CFR 1002.7 - Rules concerning extensions of credit. 
CFR 1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

12 CFR 1002.6 - Rules concerning evaluation of applications. 
CFR 1002.6 Rules concerning evaluation of applications. 
( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( 1 ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I noticed that there were transactions done with my debit card not done nor authorized by me, the same day I notified the bank that such transactions were unauthorized/fraudulent. They open a case and today XX/XX/2022 I received a notice that the bank had closed the claim and had determined the transactions were infact mine and I was not to receive any credit for it.
Consumer complaint received 2022-08-04
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. (TX)

To Equifax I'm not here for a Dispute, this is a demand. This account/ report was created without my consent, an my privacy was violated. I want it removed.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

I spoke to this debt collector several times, each time I disagreed on the amount and requested for detailed invoice including payments made to the account. I never received the detailed invoice. I also spoke to the Creditor twice and requested for details but they asked me to contact Synerprise. 

On XX/XX/2020 ( letter dated XX/XX/XXXX ), I received a bill from Synerprise to pay the past due amount. On XX/XX/XXXX, I received a phone call from a Synerprise representative. Again, I told him that the amount was not correct and requested him to provide me detailed bill including payments on it. The representative was very rude and kept telling me to pay the incorrect amount. At that point, I told him that I will report him to an agency in Texas. THE NEXT THING I RECEIVED A NOTICE FROM CREDIT REPORTING AGENCY THAT SYNERPRISE HAS REPORTED THE COLLECTION AND MY CREDIT SCORE DROPPED BY 90 POINT. My student loan was denied due to having a collection in my credit report.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (VA)

Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information was fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. It has been difficult getting in touch with someone. I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have attached the money order receipts to show the full amount that I sent to the Law Offices of XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (CA)

I've been working with Royal United Mortgage company out of XXXX, XXXX, for 4 and half months, started on XX/XX/XXXX. Denied on XX/XX/XXXX. I was looking for a new small loan of XXXX for 30 years, on a second home because I was taking over the old loan from my brother. I have no other home loans, very good credit, income of XXXX, lots of assets, and just some normal credit card debt debt from a work project. The loan is for a home recently valued at XXXX ... no other loans on the house and its rented out for XXXX a month. I wanted a home loan as opposed to paying off the loan, because I'm earning 12 % on my money, so a small loan made sense. I'm retired, XXXX, so I don't have a regular work type paycheck, but I have plenty of income from various sources, so I would consider a loan to me extremely safe and a no brainer! Plus my wife is still working with a regular paycheck that could qualify by itself. 

I spent 4.5 months gathering information for Royal, only to be asked for more and more documents. I also had to pay for a {$1200.00} appraisal in advance. They kept leading me on that everything was ok... than I was denied for insufficient income of all things after 4.5 months. 

I have to assume I was denied for some other reason? My age perhaps, XXXX or the fact that my daughter and her wife will also be on the deed and they're XXXX... .or maybe both reasons? If I don't qualify who does????
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I am owner of citigold XXXX XXXX account that I closed XX/XX/XXXX but it is linked to an email XXXX that I can not login as I sparingly used it I did not get my personal wealth in XXXX using XXXX account now both are closed mother died all domains I operated with strange registrants and me having no income I called Citibank XXXX fone repeatedly they want me to verify my email and claims they can not reactivate XXXX using other means my email in XXXX is still active but I am not in payroll for XXXX after XX/XX/XXXX. I investigated and found some criminal has created XXXX account using my email XXXX and I am extremely worried as I know XXXX is occupying old XXXX  campus and XXXX I'd shown as purchased by XXXX Please help me to login to XXXX and find out what had happened and reclaim. 
Yesterday I have clear evidence of a new XXXX account XXXX that was linked to XXXX acct XXXX being removed now I can not link to that account I created a Citibank XXXX account that is linked to XXXX but that email is not mine now and could be misused.