davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc. (CA)

I opened a credit card through Virgin America XXXX, who partnered with Comenity Bank for their XXXX program. I was immediately charged a $ XXXX yearly fee for the card, ok fine ... but then I was started being charged {$2.00} a month, and not knowing I was being charged {$2.00} a month, I did not pay, and then they charged late fees and interest on top of their bogus charges, which I never authorized. I 've called to have the charges waived, they did not agree, so I paid, what I though was my balance due on XX/XX/XXXX, and they said my account would be closed immediately. Then today, I saw they charged me another fee and interest on XX/XX/XXXX! I called again asking to waive these non sense charges, they would not so I paid again to get these bank out of my life. They steal your money by charging you bogus minimum monthly charges, and interest and late fees on top of that! I would like everyone to know how this bank operates, and after doing a bit of research on line, I see Comenity bank last year had to pay {$61.00} XXXX in restitution for bogus charges similar to mine. 

I would love to get my money back, and have this bank further exposed to their thievery. Shame on Virgin America for teaming with such a shady business. I will never fly Virgin America again either because of this, and will do my best to make sure no one I know ever does either.
Consumer complaint received 2016-07-26
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (IL)

My adult son has outstanding student loan debt. My wife and I co-signed for his loans and he had difficulty in finding a job that would allow him to pay off the loans. We have been receiving numerous telephone calls from National Enterprise Systems ( NES ), most recently XXXX yesterday where they actually left a vm message on our answering machine, informing us that they were debt collectors, yet the caller I.D . only showed the phone number ( ( XXXX XXXX XXXX ) and that the call came from XXXXXXXX. I called the number and got a recording that identified the company as ( NES ) Prior to that, they had been calling us from XXXX, XXXX and using a phone number of ( ( XXXX XXXX XXXX ). I believe that XXXX XXXX XXXX XXXX has sold my sons student loan debt to NES. My son is currently working with a company to help him manage his student loan debt and he informed me that they have reached out to his creditors to attempt to pay his debts. My wife and I are retired and we do not get involved in our sons financial affairs. My wife 's health as of late has not been good as she had a XXXX a few months ago. The added stress of companies such as NES constantly calling us and harassing us is adding to her stress level. I had previously filed a complaint with your agency back in XXXX of 2015 concerning a similar situation with Navient/XXXX ( Ref complaint # XXXX ) and I have received well over 100 phone calls from them since filing that complaint. If my son was a deadbeat and blatantly refused to own up to his financial obligations, I would not have a complaint but that is not the issue here. These companies that finance student loans and the third party companies that they sell these loans to for collections are predatory sharks and action needs to be taken by our government to stop these strong arm tactics used by some of these companies
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Initially, I went to make a purchase through XXXX that subscribes to a service called Verified by XXXX, to complete the purchase you must provide your password, which I entered, and entered again and again and it was n't accepted. I then tried to reset the password and provided all the needed info, again multiple times, each time it was rejected. Since it was declined, I went and purchased the items elsewhere on a different card. Then I find that they went ahead and completed the transaction even after all the rejections and telling me I was providing wrong info. I then sent a message to Compass Bank through their on-line banking system, which they deleted. Sent another message about it, and have continued to send messages daily to the bank for a week now. Each time I send a message, I get a response stating they will try and respond within one business day, it is now at XXXX messages and not a single response. Have a feeling they want me to call and deal with this over the phone as that provides them with deniability as there have been other issues in the past. i.e. I signed up at Compass Bank under an offer that was mailed to me which promised free checking for life. A couple years later they changed this and started charging me, when I challenged them on this, they asked for a copy of the letter, my reply was that they had attached it to the original paperwork opening the account. I then called another branch and asked if they maintain the original paperwork on accounts and was told yes. I then proceeded to the original bank branch and told them I had been told they maintain this paperwork, they replied 'yes, it 's a banking requirement ', but then I provided my ID and lo and behold, my paperwork had vanished ... ..and of course no offer was made to attempt to find it. Will add but a few of the screenshots showing that the messages have been sent acknowledged and ignored
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Collection that are fraudulent : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive asked these companies For information concerning these debts and they have yet to offer any answers Ive asked for 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

I still havent gotten any of this My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud I have included my ID and utility bill as well as identity theft report for proof
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX has a debt not owed and a do call debt in which is inaccurate by XXXX XXXX XXXX time after time. 

There was not letter mail to me about a such debt by credit collection service of any amount or anything to this said false claim. 
XXXX XXXX XXXX  keeps reporting the debt is {$1100.00} as XXXX XXXX XXXX reports this to credit bureaus as false debt and all sudden XXXX XXXX  sends a bill for {$11.00} There has been no money paid to no one by the letter states in XXXX 2024 there is a XXXX balance The bill for XXXX is inaccurate by XXXX XXXX XXXX as statement proves and they keep reporting the debt. 
XXXX XXXX XXXX is reporting false amounts on this account Has cause damage to my credit by these false fraudulent amounts not owed and inaccurate in which needs to be removed XXXXXXXX XXXX XXXX  makes fraudulent amounts as you can see now all sudden XXXX XXXX fraud inaccurate amounts All the credits applied by XXXX XXXX XXXX show inaccurate by them and have other documents as well with all credits and amounts.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (ME)

Sallie Mae has not honored my payment allocation request after repeated written requests submitted with my payment. I want the difference between my amount due and the payment I send in to be applied to the principal balance, yet they continue to apply it to future payments and send me bills with a {$0.00} amount due. I continue to make higher payments because they have my payment amount set at {$59.00}, and the monthly interest/fees are {$58.00}. At that rate it would take the rest of my life to pay off this loan. We have called several times and were told they would change the allocation, but they have still not done so.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XX/XX/XXXX XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Please allow me to introduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX of the XXXX based in XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a XXXX in XXXX. I am XXXX today. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NY)

I received a letter in the mail from Pressler and Pressler, claiming I owe a balance of {$890.00}. I directly disputed this last year with the XXXX credit bureaus and it was removed. They are still harassing me claiming that I owe them this money and if it is not received they will attempt to garnish my income and any money in a bank I may have. This information had been removed from my credit reports as of last year, and I no longer was responsible for it. These people went so far as to send a suspicious person to my home last year to " serve '' me court documents. I have never received an official judgement or court appearance notice in the mail from the actual courthouse, and again this was removed from my credit report. I want these people to send me a written apology and I do not wish to receive any further communication from these bullies.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have an American Express Blue Cash back card. I have n't been receiving any cash back for 7 months. I first contacted Amercian Express on XXXX XXXX. They said The issue would be fixed in 30 days. It was not. I then called back XXXX XXXX and they said the money would show up at the end of the billing cycle. It did not. Today, I reached out again and spoke to XXXX with employee number XXXX. He said he could not give me a time frame for this to be fixed. I purchased an engagement ring as well as many other wedding related purchase and need the cash back to continue funding my wedding!
Consumer complaint received 2017-08-30
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: CASHCALL, INC. (CA)

Cashcall routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then Cashcall changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX, 2016, I received a letter from Wells Fargo Card Services informing me that my credit card account had been closed. ( I am attaching the letter to this complaint ). The reason provided by Wells Fargo was that there have been unusual activity on my account that that because Wells Fargo had been unable to reach me they had closed the account. Please note that I have not been contacted by telephone, mail, email or in any other matter by Wells Fargo concerning any aspect of the account. 
On the same day that I received this letter, I contacted Wells Fargo Customer Service. The customer service representative told me that she did not know why the account had been cancelled. She then kept me on hold for 6 minutes while she supposedly checked with the Fraud Unit. She came back to tell me the Fraud Unit had not cancelled the account, but that the account was cancelled by the Collections Department. I inquired why my account was in collections because it had not been past due and I had received no notifications ever from Wells Fargo that the account was past due. I then asked to speak to a manager. After another 7 minutes on hold a manager came on to inform me that he would transfer me to Collections. After another 6 minutes on hold he came back to state that I would need to send a photo ID to collections in order for them to discuss the matter with me. I found this to be completely unacceptable. At this point, I do n't much care if all of my accounts at Wells Fargo are closed because I am utterly dismayed by the incompetence of everyone at Wells Fargo. However I want to know why my account was closed and ensure that there has been no adverse actions initiated by Wells Fargo against me or my account. I also want to ensure that others do not have to deal with the gross incompetence that I have endured in trying to resolve a matter related to my account. I am hoping that the CFPB can help Many Thanks
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On the morning of Friday XXXX XXXX, 2016, as my morning routine I check my bank accounts that I currently have with Bank of America, which were joint accounts with my fianc. I noticed that {$1000.00} in our joint checking account was gone. The XXXX checks which I paid to our insurance bounced, and the balance was negative plus XXXX of {$35.00} returned item fee. The amount {$1000.00} went to legal order, XXXX. I then look at our joint saving account, and the amount of {$4600.00} was gone to legal order, XXXX. In addition, there was a fee of {$120.00} charged to the account. I immediately contacted Bank of America customer service at XXXX and the associate give me a telephone number which started with XXXX. I dial the number. Turned out it was Illinois XXXX. My fianc is currently paying for child support. He is compliance with the court order ; however, prior to court order, he did volunteer pay the child support. When XXXX parties agreed with the child support, each month he did pay extra to make up for the different amount between his calculation and the state calculation. So, I told my fianc the story and asked him to call the XXXX phone number that the bank gave me. He had a conversation with XXXX who work as case officer with the XXXX Accord to XXXX, the Illinois XXXX sent the document to bank to confirm if this is joint account in the XXXX of XXXX, and the bank received on XXXX XXXX. However, Bank of America did not response to their request instead Bank of America freezed my assets. After the guidance from XXXX, we called Bank of America customer service number. They gave us XXXX phone number which was legal department. The associate said they received something on the XXXX, and then she said the bank did n't received anything. We asked them to responded to request from the XXXX request. The associate said that tell them to send the document again. We then gathered three months of bank statements which proved that this is joint account and fax to XXXX. They received and put under review. However, they resent another request to the bank. Today, we called XXXX to follow up on our case, and they still have not received any response from Bank of America. We called Bank of America XXXX XXXX XXXX, XXXX was transferred my fianc back to general service line after 30 minutes of waiting. According to XXXX they just want to confirm if this is joint account and the fund should be released back to me. They mentioned that Bank of America has an history of notoriously not responded very quickly. Please keep in mind while the bank received the document, we have n't received any noticed from the State of Illinois XXXX While we were on the phone with the associate at XXXX on Friday, we requested a copy of the lien. So we can proof that we are not owed as much as they think.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I think 90 days is a more than reasonable amount of time for the credit bureaus to do there research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Experian XXXX XXXX XXXX