davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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: Harley Davidson Financial Services Inc (LA)

I filed for bankruptcy and it was discharged XX/XX/2020. My loan with XXXX XXXX was included in my bankruptcy. After my BK was discharged, I disputed the info and the notation was updated to XXXX balance. Since then, XXXX XXXX has continued to update my balance on the account as outstanding & not included in bankruptcy. The latest update on XX/XX/2020 on my XXXX credit report listed the account as having a balance of {$10000.00} and the remarks state charged off/affected by natural disaster/fixed rate amount in high credit is original charge off amount.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NY)

I have two prepaid visa gift cards that l'am have trouble getting replaced. Some charges were made with out my authorization. the first charge I made later to find out the company was a f fraud.for the amount of {$190.00}. I contacted the company by email to see if the could help. They said I need to fill out a complaint form and I did with all the required paper. Which I know is my fault but wanted to see if they could help. But in the meantime another charge was made without my consent or the sum of {$140.00} .I recontacted the company filled out paperwork emailed it back to the company with all the documents they wanted they said it could take up to 90 days which I understand well the 90 days is coming gone. I have received several emails saying the case has been closed that I should receive the cards in the mail in 15 days that has come and gone. I also have a credit card that had a balance of {$8.00} on it that was removed also without my consent and when I contacted the company filled out more paperwork for that card and got the same results 15 days. I have a lot of emails from this company but I can't upload everything because it's only 10 MB.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (IL)

I set up automatic monthly payments for a little more than my regular payment when we first got our vehicle, intending for the extra to be applied to principal. This is an option on the auto enrollment form. My regular payment is {$700.00} and I pay {$750.00} per month. This month I received a letter from PNC saying that I was paid ahead and wouldn't be receiving a statement for XXXX. I called the phone number provided and they said they would take last month 's payment of {$750.00} and apply it to principal which would roll my next payment due date back to XXXX and my auto withdrawal would resume. I agreed to this, but when I inquired about how the extra I pay every month could be applied to principal moving forward and not to the next payment due, I was told that was not possible to set up. I intended to be reducing my principal every month and thought when I enrolled in auto payments this is what would happen. When I complained the phone went dead .... there was literally no response. I feel mislead and that I am being penalized for wanting to prepay my loan a little at a time.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

I made a purchase at the XXXX store on XX/XX/2022. I never received a statement. I did receive an email XX/XX/XXXX saying a payment was due soon. I paid through my XXXX XXXX  online bill pay, check # XXXX. I called on XX/XX/XXXX because they had not yet received the check. They asked for a phone payment which I declined as their call center is in the XXXX and we had just had fraudulent charges on our XXXX XXXX XXXXXXXX XXXX bill. I was unwilling to give them access to our checking account. They waived late fees and interest charges. XXXX XXXX  issued check # XXXX on XX/XX/XXXX which should have arrived before XXXX XXXX it is XXXX weeks later and they have still not credited the payment to my account. They continue to add late fees and finance charges and even a returned check fee when I told them I was stopping payment to XXXX because I assumed it had been lost. 

I might have believed them the first time when this happened in XXXX of 2022, but now I suspect fraudulent practices to gain late fees and interest. As soon as this matter is resolved, I will shred this credit card.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-08
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. (GA)

i contact XXXX XXXX XXXX, Experian by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my XXXXXXXX XXXX did not removed yet, Experian needs to remove the Public record please im asking CFPB for help
Consumer complaint received 2020-12-29
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-29
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (GA)

Affidavit of Truth This is a notice to all that I am XXXX XXXX, I swear and affirm the following facts.WellsFargo Auto ( Bank ) is knowingly and willfully continuing to violate my rights as a federally protected consumer under the FDPCA 15 USC 1692. WellsFargo Auto ( Bank ) and their representative XXXX ( XXXX ) XXXX, is choosing to disregard my cease and desist that was sent to them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by calling my phone without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction pursuant 15 USC 1692c ( a ). WellsFargo Bank should not be calling my phone for any reason once such notice of ( cease and desist ) from the consumer is made by mail, notification shall be complete upon receipt pursuant 15 USC 1692c ( c ). Furthermore, he is calling me at a time thats inconvenient to me, which is another violation of 15 USC 1692c ( 1 ). He wasnt there for the open end consumer transaction therefore he has no grounds to speak on my case or anything involving my case because he is going off of hearsay and infringing on my rights to privacy. And because I didnt give them consent and gave them a cease and desist and they keep harassing me anyway theyre in violation of 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. WellsFargo Bank and any of their representatives do not have permission to contact me. Wellsfargo only have permission to respond to me in writing and only with an Affidavit of Truth rebutting my Affidavit line by line under the penalty of perjury or my AFFIDAVIT STANDA AS TRUTH IN COMMERCE AND TRUTH AND MATTER OF FACT IN LAW. Silence is acquiescence. Responding with anything else is not a response and doesnt matter in a court of law. And lastly if they need to respond to my complaint by invoking my specified remedy they should do so in writing through cfpb and through the mail. I am enforcing my rights 15 USC 1692 and WellsFargo Auto ( Bank ) and their Rep is liable to me under 15 USC 1692k. 
Welsfargo Auto that they are on notice and demanding they comply with my Cease and Desist and not contact me regarding this alleged debt anymore unless they are invoking my specified remedies or that they intend to invoke a specified remedy or to advise that further efforts are being terminated, Pursuant to 15 USC 1692Cc ( 1 ) ( 2 ) ( 3 ). 

AGAIN, DO NOT CALL MY PHONE OR CONTACT ME THROUGH ANY MEDIUM IN REGARDS TO THIS ALLEGED DEBT!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-10-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (IL)

this company AD ASTRA RECOVERY SERVIC HAVEN'T GIVE ME A CONTRACT I SIGN WITH THERE COMPANY I WANT A DOCUMENT WITH THERE COMPANY NAME AS A HEADER WITH MY SIGNTURE THAT STATE I OWN THEM ANY AMOUNT AND IF THEY CAN'T GIVE ME THAT DELETE THE ACCOUNT WITH ALL CREDIT COMPANIES NOW
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-21
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. (IN)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX {$590.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

I had an open and active Cash App Account that was taken over by another individual. Money that was sent to me on this account was deposited into another individuals account. One of the transactions was a payment from my roommate for XX/XX/XXXX rent. I requested from the person ( s ) that had taken over my account, but refused. I immediately contacted Cash App for assistance with this issue, but they did not help. Earlier in the year around XX/XX/XXXX, I discovered that Cash App was involved with the disappearance of large sums of money from my account. I reported to my bank as well about numerous transactions that I did not authorize, they told me that " Since the transactions were completed online under my username and password that I must have given my information put, therefore that couldn't help me ''. I contacted a Detective from our local Police, no assistance, I have even contacted our State Attorney General, no help. I had given up until I read the article in XXXX magazine and although I don't have much hope left, I have to try. The amount of money is over XXXX. I have the emails, I'm attaching. I also have the email address, phone # and address of the individual who fraudulently took over my account. It is : XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. PLEASE, if you can help me I would be grateful.
Consumer complaint received 2022-10-12
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. (GA)

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

BanK XXXX XXXX CARD # XXXX, DEPT OF ED/XXXXXXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

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.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
Consumer complaint received 2022-11-29
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: BMO Bank, N.A. (IL)

This has been going on for almost a year. I've called XXXX XXXX informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
XXXX XXXX ( Bank ) XX/XX/XXXX I have BMO Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
BMO HARRIS BK N.A. ( Bank ) XXXX XXXX, XXXX BMO HARRIS BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (NY)

Ive sent dispute letter for items on my credit report XX/XX/XXXX. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately
Consumer complaint received 2020-12-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XX/XX/2020 I am on a process of appealing to Webster Bank of Connecticut decision on denying once again my applications for a mortgage modification do to a hardship we have been going through. Also all the high interest I have been paying to Webster bank in the past 15 years no leaving me an opportunity to make any repair or investment on the house we are paying for. In the past year I was able to get approved to get a finance to install new windows in the house but with high interest rates, but I had not other options but doing that because in the winter is very difficult to support with drifting windows. The house need a lot work on siding/ insulation / plumbing/ electrical/ deck repair and soon roof cause the house is ready 24 years old. But is difficult to come up with any money to do all this repairs when I am paying high interest to webster bank that is making hard on me to keep this house. The House was appraised on today 's market for {$290.00} and I owe today XXXX not including what they added as 2nd outstanding principal they are claiming when I was told by an attorney 's office to stop making payments to force Webster bank to do the modifications for me. If I keep paying Webster bank this mortgage as it's today at the end this house will cost me at least {$800.00}, so far in 15  years I have paid Webster bank over {$170.00} in interest only. No bank want to give way an income of interest only of {$11.00} a year. I almost lost this house on a foreclosure about 7 years ago but with some help from our state senator, Webster bank give me the same mortgage for 40 years including the 2nd outstanding principal calling this a modification. In XX/XX/2020 I filled an application requesting a new modification to get me out of this mortgage in to a new 30 year fixed rate and make the payments affordable to give me a chance to safe some money to reinvest on the house that's in need but once again I was denied this opportunity stating that I can afford the payments and interest that they don't want to loose. I have not choice in also appealing to you as my last option to try to get some help on this matter that is ready a 15 years old battle. Attached I am including statements and documentation from the past and this year application and the last appeal I have filed with Webster bank in XX/XX/2020. This is a bad mortgage.

Happy new Year.

Thank you.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

From To Date Summary Response XXXX Web Contact Us XX/XX/XXXX at XXXX EST   I received XX/XX/2020tax statement and requested for clarification on whether I have to pay this or new rez will pay. County Tax bills are sent as courtesy to me. New rez will pay. No further actin needed. 
Phone call to Customer Care XX/XX/XXXX at XXXX EST  Reg Tax payment not done Rep told me it is not done and send us a copy of bills. Which is totally opposite to what was told in email to me earlier i.e. no need to send any bills to new rez. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested clarification on tax payments not done. Attached copy of bills as courtesy No Response XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Sought clarification on tax amount paid & requested statement. Response not clear & New rez said no mistake on their end. 
XXXX Consumer Financial Protection Bureau XX/XX/XXXX at XXXX EST Complaint raised reg non payment of taxes from Escrow XXXX XXXX responded on XX/XX/XXXX with a letter stating " Taxes are current ''. 
XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Overdue Notice Received, attached copy of overdue bill XXXX XXXX XX/XX/XXXX at XXXX EST  Received a letter stating nothing is showing as overdue and all taxes are paid. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested XXXX to investigate and attached copy of bills still showing as not paid XXXX XXXX XX/XX/XXXX at XXXX EST  After a phone call to customer service, escalated to supervisor XXXX via email After the above mentioned chain of communication, new rez sent me a letter via secure email stating that they had paid 2 of my 3 pending bills on XX/XX/XXXX. And there is no error at their end since they are not responsible for paying interim & supplemental tax from escrow. 
If that was the case, new rez should have told me during my first contact that I need to look out for these interim and supplemental bills. After number of emails, complaints, phone calls, XX/XX/XXXX is the first time they mentioned that I am responsible to pay interim and supplemental bills.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.