davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I paid my XXXX XXXX  XXXX  in full using a credit card. For some reason when I tried to make a payment through my bank account it didn't successfully make a payment. I was charged a {$27.00} return fee by Comenity Bank. I called to find out what happened since I paid my balance using a credit card. A customer care representative told me that the return fee was removed from my account. I received another statement in the mail with the {$27.00} fee plus late fees. I called again to find out why I still had a fee and a different customer service representative told me that they could never remove a return fee. I disputed this fee and they just wouldn't remove it like the first customer care representative promised me. I paid the {$27.00} fee with a little late fee payment of some sort. I just want consumers to be aware that this bank wants to make money by charging consumers fees. I canceled all of my credit card accounts with Comenity Bank and I will never open another card with them in my lifetime.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pittenger Law Group, LLC. (MO)

The company XXXX that I am a principal of had some difficult times. I understand the bill owed to XXXX XXXX is valid ; however, I am a guarantee on the account XXXX ( XXXX ). Acct placed with a law firm in XXXX XXXX ( Pittenger ). Paid balance XX/XX/XXXX. Processor server served my wife XX/XX/2019. She is not on the account or part of the business. Called XXXX XXXX and they referred me to a number XXXX XXXX XXXX - they were closed. Before that when I call XXXX XXXX and put in acct number it refers me to XXXX and hangs up. Went on chat and the rep and manager keeps telling me to call the XXXX because the acct has a XXXX balance. I asked why I need to tell the collection/law firm - when XXXX XXXX knows I paid the balance. I have a court date for XX/XX/2019 this bill that has a XXXX balance.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

Please note, I did have owe XXXX charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called Midland collections called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/XXXX.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

BestBuy CitiBank card has been billing me for Enhanced Debt Protection. I don't know what Enhanced Debt Protection is.  There is no information on the website or through XXXX search. They gave me a wrong phone number when I called and the same wrong number in an e-mail. E-mail replies directed me to a webpage that was out of service on multiple occasions. I finally got a reply on their site that says I enabled this in XX/XX/XXXX, it is now XX/XX/XXXX. They say since my account was protected by the benefits I can not get a refund for any of the months they billed me including the last month.
Consumer complaint received 2019-08-26
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: Nelnet, Inc. (FL)

I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO NELNET for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by Nelnet XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.
Consumer complaint received 2019-08-26
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: LEXISNEXIS (VA)

Lexis Nexis is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX   {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Consumer complaint received 2019-08-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (NM)

Company has continued to call family members to collect a debt payment that will be late this month. I will take legal action if o e of my family members is contacted again. They were listed as references not collateral. This practice is illegal and needs to be stopped immediatley.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have contacted Equifax regarding errors I found on my Equifax credit report and have disputed these matters, but these errors are not being corrected and being closed as reported correctly. 

The first error I have disputed with Equifax that is not being corrected is regarding my current mortgage with XXXX XXXX XXXX XXXX. My Equifax credit report is reflecting that this account was 60 days past due for XX/XX/XXXX and XX/XX/XXXX. On or around XX/XX/XXXX I disputed this information with Equifax and on or around XX/XX/XXXX Equifax closed this dispute without correcting this information. This account was 30 days past due and never 60 days past due. I have been in communication with XXXX XXXX XXXX XXXX regarding this reporting error and they informed me to file a dispute with Equifax to fix this issue, as they could not initiate a dispute on my behalf as they informed me that they are not reporting a 60 day past due amount on this account to any of the credit agencies.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (IN)

I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
XXXX XXXX XXXX has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that XXXX XXXX Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also
Consumer complaint received 2019-07-16
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. (WA)

I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance pursuant FCRA 616.
Consumer complaint received 2019-08-26
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)

In XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet XXXX continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can XXXX confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for XXXX to mishandle this account in this manner is unlawful. 

I believe that XXXX  is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

VIOLATION OF Federal Consumer Protection Act 809 FAILURE TO VERIFY/VALIDATE DEBT INCORRECT INFORMATION On XX/XX/2019 I was personally served with a summons for an  attempt to collect a debt I had no knowledge of. The summons claimed an amount of {$860.00} was being sought on behalf of plaintiff by attorney supposedly representing them. 

On XX/XX/2019 - I sent certified letter received by attorney on XX/XX/19 requesting competent evidence bearing my signature, showing that I have contractual obligation to pay attorney/plaintiff.

On, or around, XX/XX/2019 I received a package in mail from attorney with several pages of printed out credit card invoices with my name and address on it. No signature was provided, no written proof of Proper Assignment of Debt. 

The last page of the invoices showed a balance that was NOT the same as amount claimed by plaintiff. 

On XX/XX/2019, I send second certified letter requesting Name, Address, and telephone of each person who personally verified the account, and requesting copy of any documents bearing my signature, showing I have a legally binding contractual obligation to pay the alleged amount. 

On XX/XX/2019 I showed up in court at XXXX as directed on summons and plaintiff or representation did not. No proof was provided validating and verifying this account and plaintiffs proof of Proper Assignment of Debt. 

Attorney/Plaintiff has violated Federal Consumer Protection Act 809 a-d by not communicating as required by law and providing required information. 

Attorney/Plaintiff has failed to provide proper original signed documents with signature verifying and validating debt they are attempting to collect.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (SC)

I had an old account with XXXX XXXX XXXX I contacted them and settled to pay my bill in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY
Consumer complaint received 2019-08-26
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. (MI)

In XXXX of 2018 I noticed the company XXXX XXXX on my credit report. I did not recognize the company so I disputed this account asking for the signed contract of when I allegedly began an account. I have requested this from the company as well XXXX XXXX and they refuse to give this information to me yet Experian continues to report the information as they verified this alleged account as accurate on my credit report. If XXXX XXXX refuses to provide me with a signed contract according to the FCRA, how can Experian confirm they are consistent with reporting this information as accurate on my credit reports? Obviously there are inconsistencies with the Account Number, Payment history grid, date opened, terms, payment status, date late reported, and Date of Last payment and activity. Numerous missing and deficient account aspects leave this reporting significantly questionable and invalid. This is certainly not compliant in its mandatory perfect Metro 2 format reporting. According to the Fair Credit laws and fair debt laws for Experian to mishandle this account in this manner is unlawful. 

I believe that Experian is not even looking at my letters using XXXX and totally ignoring my concerns as they are hurting my credit score with the lack of concern.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX Acct ending in XXXX I opened a business account on XX/XX/2019 in the XXXX XXXX XXXX branch and i was supposed to receive a bonus of {$500.00} upon fulfilling the requirements for 3 months which i did. However i never received the bonus. Also i called in to customer service during the 3rd month and they confirmed i was compliant to the requirements to receive the bonus and i would receive in XXXX. When i didnt i called again and at first the rep claimed no such promo existed. I then told her i had a screen shot of the promo i used with my unique identifier on it. After a few transfers i was notified i did not meet the requirements and would need to go in to a branch. Due to coronavirus it is unacceptable to send a customer to a branch to receive a bonus they 100 % qualify for. 

I will now list all requirements along with my actions taken and upload all supporting documents. 

1. Visit branch ( went to XXXX XXXX XXXX ) 2. Deposit atleast {$25.00} ( I deposited {$23000.00} ) 3. Have {$15000.00} on day 30 and day 90 and have 5 or more transactions post in 90 days ( I had {$15000.00} average all throughout and posted well beyond 5 transactions in 90 days )
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (AZ)

Hello, In XXXX I filed chapter XXXX b.k. with my spouse. My primary home loan and house was with JP Morgan Chase. From XXXX forward Chase did not report any activity on my account. In XXXX of XXXX Chase sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was in XXXX XXXX. I went into the branch of Chase here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. Chase refused to change their two remarks regarding the sale of the mortgage. I complained to XXXX XXXX via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on XXXX XXXX. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, XXXX
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On the date of XX/XX/20 I was scammed of exactly {$1300.00} and I immediately called my bank Wells Fargo. I called the claim assistance center and the first banker who talked to me assured me that my funds would be resolved within 10 business days. I had confidence in my bank that they would return my money because of the reassurance that the banker reinforced with me. I then received three letters after from the bank. The last letter stated that they closed the claim and that they would not take further action to resolve my funds. I then called the bank to talk about my case to a banker after discovering of my result of the case and they said that they would not help me whatsoever.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CT)

I currently have a mortgage with Key Bank on my residence located at XXXX XXXX XXXX XXXX XXXX CT XXXX. Account ending in # XXXX. With Covid virus, the numbers I attempt to call and denied access to a local branch has made it impossible to discuss the issue after receiving correspondence from the Bank with respect to insurance issues. 
My issue is with insurance requirements on my residence required by the mortgage. My current insurance agency ; XXXX XXXX XXXX Representative XXXX XXXX XXXX received notification from Key Bank expressing " under coverage '' policy amount for the above address. This has caused excessive insurance requirements dictated by the Bank mandating coverage on my home. I presently owe {$650000.00} on my home presently. XXXX XXXX placed valuation for replacement to be at {$660000.00} for replacement therefore assigning a yearly policy amount. 
Key Bank reached out to my agent and requires {$900000.00} replacement value for above mentioned property causing a unfounded jump in insurance costs to me due to valuation issues. 

I am asking for an individual to review these issues at hand please since my agent expects me to reach out to Key Bank and get an explanation as to these Bank requirements. I implore you to contact my agent listed above to discuss any of my issues explained to further validate this claim against Key Bank and XXXX XXXX inability to explain Key Banks position on insurance requirements. 

I appreciate any and all attention to this complaint since my insurance coverage requirement has made it difficult to meet my obligations due to Key Banks position with respect to house insurance. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX