davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc. (GA)

I attempted to login to my Prosper account on the app to make an additional payment. When I accessed the first page of the app, it advised me I needed to change my password for security purposes, I clicked continue and then received a pop up WE ARE CHANGING YOUR LOGIN EMAIL TO XXXX. This email was NEVER provided to Prosper by me and has not been used in years! When I called Customer service I got the runaround, the lady kept telling me to login with my old email, the one that should be on the account, which I attempted, when I logged in, it stated " I am sorry you do not have an account with us " The rep kept telling me to log in and out over and over, with no better results. I am not able to login to my account at all, unable to make payments or even view my account, when questioned how they have an old email for me that was never provided to them, she would not even answer, I asked if my account was hacked, she then told me this is happening because of a migration, she was rude and would not fix my issue. I am still unable to access my account, I was told this would be escalated and " not to worry ''. I am trying to make a payment but I am unable to even access my account nor see any activity on this account. NO COMPANY should be able to randomly change your email to something else and then let you sit there without concern, not answer questions and brush you off.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/XXXX I applied for a XXXX XXXX secured credit card, o was denied. Do I went to XXXX XXXX. One there I pulled up. I pulled up three credit reports. Had one negative remark with XXXX, it wzas gor the original {$300.00}. I then attempted to go to Wakefields website to see if I could get any info. Well it required an account Number which I didnt have, I called them spoke with a lady named XXXX she states there is more than {$300.00} on my account I asked her to send me records with all We. on them. Well on XX/XX/XXXXI received an invoice from them for only the additional charges not the {$300.00} we stayed with was not on there at all.They are located at XXXX XXXX XXXX, XXXX Tenn their phone number is XXXX. Now on XX/XX/XXXXI wrote them an email expressing that I did not understand why The amounts the had and the amounts credit reports showed was two different figures. Today onXX/XX/XXXX I received the invoices
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.
Consumer complaint received 2017-10-08
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. (SC)

I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX, XXXX and Experian have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX  XXXX. I never received any form of documentation from the original creditor or XXXX XXXX, XXXX. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XX/XX/XXXX to XX/XX/XXXX, in my  maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.
Consumer complaint received 2024-11-06
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. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion 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
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I would like to file a dispute concerning a balance of {$58.00} on my XXXX and XXXX credit card account, managed by Comenity Bank. 
This amount includes two late fees of {$27.00} plus two minimum finance charges of {$2.00}. 
It is for a payment I made on XXXX XXXX at XXXX for {$28.00}. The payment was due that day. I would like to file an official complaint that there was no hour deadline on the first page of the bill where the XXXX XXXX amount is stated. It simply says the amount should be paid on a specific date, XXXX XXXX. As we all know, every day has 24 hours and so according to that detail, I had until 11.59pm to make the payment. 
Again, the first page DOES NOT tell clients that the amount has to be paid on a certain hour. Anyone paying online, which includes most people, would have no idea they have to pay by a certain hour on that day. 
In fact, the only place in the bill in which the DEADLINE HOUR of 8pm is stated is BURIED in tiny letters at the end of the page on the reverse side. That is absolutely misleading for any consumer. 
A few weeks later, XXXX claims it sent me a letter statement with a late fee amount of {$27.00}. I did NOT receive this letter. The company claims it had sent it but can not prove I actually received it. I did NOT receive it. Additionally, it sent me another letter afterward with a late fee on top of the late fee ( now totaling {$58.00} XXXX I also did NOT receive that letter. XXXX has no way to prove that I had received it. I did not receive EITHER letter. Therefore, I couldnt be notified of these amounts. 
I spoke to a Comenity representative named XXXX on XXXX XXXX, who refused to waive the extra fees. 
I request that the whole amount of {$58.00} be waived. I understand that a late fee was already waived in XXXX, and that there is a limit on waiving only one late fee every 18 months. 
However, this is an exceptional case in which I actually paid the necessary amount on the required day, was not properly notified I needed to do it by a certain hour, and did not receive the necessary correspondence about the late fees. I would also like to file an official complaint that an hour deadline be placed at the first page of the bill where the XXXX XXXX amount is stated to make it clear for customers in the future. 
I refuse to pay these late fees and will take this dispute further should my side be rejected. 
I demand that all {$58.00} in additional fees be canceled. 
I also ask for a provisional credit to cover the {$58.00} while this dispute is pending, and for no further late fees to be incurred.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (CA)

I have been doing a lot of back and forth communication with this company Card Benefit Services which are the representatives of Wells Fargo insurance claims. XXXX Wednesday, XXXX XXXX. I spoke with a representative named XXXX that seemed to understand what is going on, the call was recorded on their side and the number I used to contact was XXXX. 

I was denied compensation due to the following " The Cellular Telephone Protection Program does not cover items which have cosmetic damage or damage that does not impact the item 's ability to make or receive phone calls. '' The phone that I sent into them, does not function at all due to internal issues. It will not turn on and is non-operation. I called in to get clarification as to why they do n't cover my claim. They said it was due to the fact that they do n't cover internal/mechanical damage. 

If you take a look at the documentation I have uploaded, this is what I sent them as a rebuttal for their denial of insurance this might show a better understanding of what the situation in. 

I have called Wells Fargo for assistance on this issue, and they refused to help they stated they could n't do anything since the card was under XXXX XXXX Basically, I was denied a claim for an invalid reason. Wells Fargo insurance stipulates one thing, while Card Benefits Services claims that they follow different insurance. I have provided documentation under which I have cellular insurance provided from Wells Fargo. 

If this is n't the right agency to deal with this, could you forward this to the right agency? I just want this claimed resolved, and want it on the record that Card Benefit Services falsely denied me on a claim, and is n't following their policy. 

Case ID : XXXX XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (TX)

Receiving automated phone calls from ( XXXX ) XXXX and other numbers. Leaves a message but does not identify this as a debt collector. They also are imposing artificial deadlines by saying " we must hear back from you today '' or " this is a time sensitive matter ''.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed an account showing on my TransUnion credit report starting in XX/XX/XXXX. I contacted the company which was reporting and they sent me letter saying my account was closed in XX/XX/XXXX. I sent TransUnion a letter to prove so. It did n't fix the problem. They said it was not the same account. I called the company with the account number provided. Not only did they say that the account number was not mine, it did n't even exist in their system at all. I then disputed with TransUnion that it was not my account. Since the company shows my account number and that one being different, and the company also shows this account does n't exist on their system. TransUnion has disregarded my attempt to dispute this item. This is fraud and I am pissed.this is affecting my credit score!
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WV)

I opened an account with american express for a Delta Business skymiles card. I met the requirements as noted below and it has been past the time and they have n't credited my account with the points and the XXXX delta credit. Also attached is a copy of the conversation stating I met the requirements and the numerous times I tried to fix the error. Please help. 



Offer states : XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. The annual fee for the Gold Delta SkyMiles Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be {$95.00}.
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the  Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I became aware of fraud on my Chase Bank checking account in XXXX of 2017. I went to them, filed and complaint, closed the affected account, and moved on. The banker misfiled the charges, and I returned in XXXX to rectify the situation. My second banker, XXXX, and I, were lied to almost constantly by everyone we contacted. I had to switch accounts yet again, and and Chase Bank stole {$400.00} additional dollars from my paychecks due to " debits due to dispute '' that did not exist, as they never issued me a check to credit the fraudulent amounts. When we contacted them in regards to this, they would promise to overnight the check, but the check never arrived, and we were eventually told, never even issued. They then closed my account due to " suspicion of fraud '' after I had FILED THE FRAUD CLAIM WITH THEM TWICE, AFTER WHICH THEY IGNORED ME. 
Because of the {$2000.00} I lost to fraud I nearly lost my apartment due to the inability to pay rent, and to make matters worse, Chase took an additional {$400.00}, after doing absolutely nothing to alleviate or address the situation. Horrible and horrific banking practices.