davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

You closed complaint # XXXX in error. I do not think you understood my issue. 

XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT credited me for items I returned in XX/XX/XXXX & XX/XX/XXXX. The list the returns in my account activity history, BUT it does NOT decrease your balance. 

From : XXXX XXXXSent : Wednesday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

I apologize for the confusion and frustration you have experienced with your XXXX XXXX   account. I have taken the time to review your previous messages as well as your account to assist with your inquiry. You are concerned that your balance and available credit are not reflecting accurately due to pending transactions. 

After reviewing your account, I see there are 13 returns totaling {$270.00} that are pending transactions. Our records indicate that 7 of the 13 pending transaction will post to the account on XX/XX/2018. of the remaining 6 transactions, 1 will post on XX/XX/2018, and the remaining 5 will post on XX/XX/2018. We are unable to change the posting time as this is indicated by Simply Be. For more information regarding the posting timeframe for these returns, please contact XXXX XXXX at XXXX. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 

Sincerely, XXXX XXXX Internet Customer Care Team MIND YOU I AM BEING BILLED FOR INTEREST ON AN INFLATED/INCORRECT BALANCE AND MY MONTHLY BILL IS ALSO BASED ON AN INFLATED/INCORRECT BALANCE. AND AS YOU CAN SEE IN THE EMAIL 7 OF THE UNPOSTED CREDITS WERE SUPPOSED TO POST ON XX/XX/18, THEY HAVE NOT. IF THEY WOULD PROPERLY POST MY CREDIT, THIS ACCOUNT WOULD BE ALMOST PAID OFF!
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried a few times to correct this issue with Transunion. Most recently a dispute on XX/XX/2018. Regarding incorrect information on the birth date showing on the credit report. I have sent them information trying to correct this matter. Sending documents as proof of the correct birth date.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2018 under reference numberXXXX I applied for a credit card account with Chase. I was notified by chase that they needed verification of my identity so I sent them a copy of my Florida drivers license and social security card. I even called Chase to verify receipt of those items. I explained to Chase that I recently sold my home on XXXX XXXX in XXXX XXXX Florida and bought a new home on the beach in XXXX XXXX Florida. I informed Chase that this information could be verified through the XXXX County Property Apprasierss Office for the XXXX XXXX XXXX address and the XXXX County Property Office for the XXXX XXXX XXXX ( new ) address. Chase ignored all information provided to them and lowered my credit score with their inquiries. Chase then sent a letter to my old address even though they were given proof of my new address. This is NOT my first run in with Chase in applying for a credit account. Chase has a strong history of discrimination and violating the Consumer Credit Protection Act. I have several files on this. I applied with Chase about four years ago and they discriminated against me back then while they were accepting government bail outs and building new bank branches all over the USA with that bail out money. I applied for an interest free card with them recently. I can be reached at my home address of XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX or you can contact me directly at XXXX or you can write to me at my p.o. box at p.o. box XXXX XXXX XXXX Florida XXXX. All of this information is ON my credit report and available to Chase. Chase has a history of discriminatory practices related to me and will result in federal litigation being filed against them. But first decided to contact this agency first.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (PA)

I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
Consumer complaint received 2018-10-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Sent TransUnion mail to delete the disputed comment on account XXXX XXXX, account number # XXXX. TransUnion has not removed the dispute comment from my credit report. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of a certain account. More specifically pertaining to a comments on this account. I am requesting that you remove the disputed comments on the account listed below with immediate effect. This account is no longer in dispute.
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CT)

Using Western Union, I wired {$200.00} in cash to relatives in XXXX NC. They were unable to receive it because WU was not processing payouts due to the hurricane. I cancelled the transaction on XX/XX/XXXX. Operator XXXX told me I would receive my money back in 24-48 hours. Since then, a week and a half later, I have called 3 more times, each time being assured I would get a number that would get my cash back '' in 24-48 hours. ''
Consumer complaint received 2018-10-03
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. (CT)

I've telephoned all XXXX credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX, XXXX  XX/XX/XXXX Please help me resolve this matter promptly.
Consumer complaint received 2018-09-19
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. (GA)

I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, transunion , XXXX  and XXXX. these companies have not corrected the error.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC (TX)

Called my sister twice after speaking with me. Called my brother as well after speaking with me. Even contacted my ex husband. Asked for my information without telling me why they wanted it. 
XX/XX/18 was the most recent I spoke with them and the most recent they called my sister. Was told 3 different amounts of a debt and encouraged to give my account information immediately to settle a credit card, when I said I couldn't do that they continued to harass my family who I don't speak to. 
I have received nothing via mail only by phone recently.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc (NE)

I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a Credit plus conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with XXXX XXXX XXXX and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
Consumer complaint received 2018-10-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I noticed that my score went down forty five points. I called got the rudest special service person he was quick to talk but he doesn't listen to the issues I asked to speak to a Supervisor I knew was going to hang up. He said my score went down because of two late payments on the mortgage which was back in XXXX of XXXX and XX/XX/XXXX I told him my score was XXXX for quit sometime and why would Transunion wait all this time to take fifteen points of my credit. now XX/XX/XXXX I have spoken to the XXXX XXXX XXXX waiting on there response I am sure it is incorrect It seems the harder you work on your credit Transunion takes off fifteen points. They had know right to go that far back and lower my score. And the company will be contacting the credit Bureau. I am a victim of Identity Theft .I hope they don't go back XXXX and find another reason to lower my score it should be a law to stop issue like this.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Since XX/XX/XXXX I have had a mortgage on my home a few years ago the mortgage was taken over by a company known as OCowen XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX. I have never missed a payment and in fact make additional payments so that I can pay it off early. This was not a problem until XX/XX/XXXX. When I went into the company website to make an additional payment I found they had changed things and any additional payment would cost me {$7.00} for each payment. This is insane I want to give them money and pay off my mortgage sooner and they want to charge me? This is so wrong and needs to be stopped.
Consumer complaint received 2018-10-02
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. (IL)

I am writing this due to Non-compliance with the Credit bureau Equifax, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Equifax if this account is not deleted.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

According to the company ( Chase Bank ) some type of credit checking report was done with it's current customers and at that time they deemed some customers " eligible '' for an increase in interest rate. They stated that I got the best interest rate a credit card company could offer. So, my interest rate went from 12.74 % to % 16.49 %, doesn't sound like a very good deal to me. When I called to discuss a double interest rate charge, I was told that I " qualified for the rate increase '' and only after three separate phone calls I was finally told that the purchases I already had on the account prior to the increase were protected at the original 12.74 % rate and the new purchases were now being charged the new rate of 16.49 % rate. As the new rate was not my issue, I wasn't too happy to hear that i was being billed two different interest rates. However, my concern was that the account was paid off in XXXX, so there was no longer a balance prior to the rate increase ( and purchases made XX/XX/XXXX and after should only be at the new rate not both ) but I still got hit with TWO finance charges!!!!

This is UNFAIR!!!! Their explanation and reason for the charges is totally unacceptable. If there is no balance on the account, HOW DO YOU CALCULATE INTEREST?????
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (IN)

Trusted Id sent me my report showing that there was a collection on my file. This is from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx. The amount is for XXXX dollars. I have no idea who this is or what the debt is for. Ive never done business with this company.
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

Greetings, I received a phone call last month with a voicemail stating a credit collection company was calling to collect on a debt. I was pretty sure it was a scam because I know I owe nothing except a few credit cards I keep up on. I called to ask them not to call again and I knew it was a scam. She immediately knew my name from the number I dialed, she proceeded to ask if this was in fact my correct phone number, which it is/was. She then asked for my mailing address. At this point I stopped her and asked what this was regarding before I give out any more information. She asked me if I was represented by an attorney. In my quick thoughts, I thought this my be something to do with my divorce, which was completed in XX/XX/2018. I responded with " yes ', but quickly backtracked because my divorce is final and my attorney as since retired. I asked again what this was regarding. She told me I needed to have my attorney call to resolve this. I explained that A.my attorney is since retired and B. my name is attached to a collection and I have every right to know what this is. C. an attorney has an hourly price and I'm surely not going to hire an attorney at my expense to get something cleared that is my name. 
bottom line, she refused to give me ANY information. I have to assume this is a medical bill that my husband didn't pay and I'm on the hook. In any case, my hands are tied because they won't work with me. 
My credit will be destroyed due to this, if its not already. I have received no written letter, nor has my ex husband. 
Is this even legal? It seems extremely unfair. 
XXXX XXXX a compliance specialist with the Division of Financial Regulation, urged me to make contact with CFPB. 

The collection agency is XXXX XXXXXXXX XXXX. License XXXX/NMLS XXXX I hope you can help in some way? I really don't want this on my credit and I don't have the resources to get an attorney. 

Thank you kindly, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Our mortgage management company ( Rushmore Loan Management Services ( XXXX ) XXXX ) continues to charge us flood insurance coverage for our Condo, despite providing them evidence and letters from the master insurance carrier that covers for the entire unit. Several attempts were made to resolve this issue with the company, and despite providing them with more than enough proof that the building 's master insurance covers for their flood requirements, they continue to charge us. Our loan number with the company ( XXXX ).
Consumer complaint received 2018-10-03
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: WELLS FARGO & COMPANY (TX)

Contacted Wells Fargo informing them that I received a copy of my credit report and noticed some unauthorized inquiries made twice for the dates of XX/XX/XXXX and twice on XX/XX/XXXX total of four inquiries all together ... CSR then informed me to fax a letter over to the Credit Bureau Inquiry Department fax XXXX Case number XXXX. I faxed the information requested on XX/XX/XXXX and still haven't been resolved.
Consumer complaint received 2018-09-19
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: EQUIFAX, INC. (GA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing this due to Non-compliance with the Credit bureau Experian, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Experian if this account is not deleted.
Consumer complaint received 2018-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

I have had a home loan mortgage with OCWEN, I TOOK OUT THE EQUITY OF MY HOUSE 12 PLUS YEARS AGO, TOTAL REPAYMENT WAS {$78000.00} AS OF TODAY I AM IN DEBT TO THEM {$74000.00} I HAVE BEEN PAYING {$530.00} FOR OVER 12 YEARS, I HAVE ASKED FOR A MODIFICATION, TOP BE TOLD TO HOLD ON, THEN THE PAPERS WHERE IN THE MAIL, THE PAERS NEVER CAME. I HAVE ASKED FOR HELP, IN TEN YEARS I HAVE PAID OVER {$58000.00} BUT MY LOAN BALANCE HAS STAYED IN THE {$74000.00} AMOUNT IT HAS NOT DECREASED, AT ALL, THIS IS TERRIBLE, I FEEL LIKE I AM GETTING NO WHERE, ALSO THEY ARE NOT REPORTING TO THE CREDIT BUREAUS AT, ON MY CREDIT REPORT. I FEEL THEY ARE PREDATORY LENDERS. THEY WILL NOT GIVE ME AN UPDATED AMOUNT OWED. IF I HAVE PAID ON THIS LOAN FOR OVER 12YRS, WHY DO I STILL OWE {$70000.00}. WHY DO THEY THREATEN ME WITH FORECLOSURE. 
MY INCOME IS {$620.00} A MONTH, AND MY HOUSE MORTGAGE PAYMENT IS {$530.00}. I AM ASKING TO MODIFY PAYMENTS, BASED OFF OF MY INCOME.