davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: Bread Financial Holdings, Inc. (OK)

I opened a XXXX XXXX XXXX credit card at the store in order to make a tire purchase on XX/XX/XXXX. The agreement was a promotional 6 months 0 % interest thru Comenity Capital Bank. In XX/XX/XXXX Comenity immediately started charging me interest @ 25 % +. I contacted Comenity bank in writing in XX/XX/XXXX and received a confirmation of the dispute in writing dated XX/XX/XXXX. Comenity claims they can take up to 90 days to resolve a dispute. I went ahead and paid of the total charge ( the only charge ) made to this card totaling {$1100.00}, on XXXX XX/XX/XXXX. Since then Comenity continues to charge me interest, late fees, and send me statements. I called in XX/XX/XXXX for a resolution, no resolution. I called in XX/XX/XXXX, no resolution. I called on XX/XX/XXXX and no resolution was reached, instead the service person opened a new dispute dated XXXX XX/XX/XXXX. Now Comenity is claiming they are missing the original dispute from XXXX XXXX in XXXX I was able to " close this account '', however Comenity refuses to stop the late fees and interest accumulation. Now I, my family, and my acquaintances are getting collections calls from their collection division, and it is having a negative impact on my credit reports. There is no way to call their dispute division directly, multiple customer service persons have " sent them an e-mail '' and I have heard nothing. This is abusive! We are now 7 months hence from the original dispute, I have no one I can call, and no one will call me back. I am just watching me credit score drip downwards unless I pay them, currently, {$220.00} ( XXXX % of the original purchase price ). This is criminal abuse of customers! I have lost countless hours of time trying to resolve this credit card agreement, and there is no end in sight.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX XXXX XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

A XXXX  XXXX bankruptcy was placed on my Transunion credit report on XX/XX/XXXX. I have requested on numerous occasions for this information to be verified and validated. I have requested an investigation on this matter as recent as XX/XX/XXXX. I have not received any communication from Transunion according to the law listed above.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX XXXX  XXXX XXXX XXXXe Due to this hard inquiry, my credit score dropped XXXX  points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

CITIBANK N.A . is the banking institution for the retail SEARS card ( ending in XXXX ) in regards to my complaint. I already received a cancellation of debt form ( XXXX ) for the TAX YEAR 2012 which I 'm submitting with this email. The problem is that is is still showing on my XXXX Credit Report as STILL OUTSTANDING / UNPAID. Besides being time barred ( XXXX+ ) years in California being that the statue of limitations has expired with the ability to collect legally, a XXXX tax form for the year 2012 was paid on my behalf as well as a letter from CITIBANK N.A showing this debt was cancelled. 

Conclusion : Continuous calls to CBNA to remove this negative debt have all but failed. I 'm asking you to review and or call CBNA at the numbers listed below to make them remove this CITIBANK N.A amount of {$5200.00} from my XXXX Credit Report and or other credit reporting agencies and to issue me a document / letter confirming that this debt is no longer due and has been forgiven as stated in the XXXX 2012 tax form that was submitted to me as well. 

CITIBANK N.A . 
REGARDING ORIGIONAL ACCOUNT # XXXXXXXXADDRESS : XXXX, NY. XXXX ( XXXX ) XXXXXXXXNote : THE LAST ( XXXX numbers on my SS # XXXX )
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the special department at Transunion in reference to an inquiry that is a result of fraud. I was given the run around. I was told that even though I have an extended fraud alert and have provided countless documentation showing that I have repeatedly been a victim of someone trying to fraudulantly use my credit. I was given the run around about the most resent inquiry that I disputed. Basically, I was told that I have to start the entire process over, they representative claimed that they dont have a record of a police report, identity theft report or disputes of fraudulant inquiries. I factually sent them this informatio via the consumer finance bureau. Prior to that I sent it several times via mail, daiting back to 2005 when my late first husband 's family member stole my identity.
Consumer complaint received 2023-04-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I believe wells fargo is attempoting to steal hundreds of thousands of dollars from me through criminal lending practices. I entered into a deferement program with wells fargo due to being unemployed from COVID-19 related illnesses. Upon attempting to restart my payments a wells fargo employee told me " you do not have a choice in what program you use. '' i would get no explanation as to why i HAD NO CHOICE. after fighting back and forth with wells fargo and being threatened with foreclosure multiple times i reluctantly signed their paperwork so my family and i wouldnt be homeless. 

i was told by a wells fargo employee when i started the deferement program that the VA disaster relief fund would take all my missed payments and add them in months to the end of the loan. my apr would not change and my monthy payments would not change. 

when i tried to come out of deferement i was told by a wells fargo employee " you do not have a choice in what program you use. '' When i initially bought my house i had a loan for XXXX dollar in XXXX i made near 7 years of mortgage payements. after finishing this entire ordeal with WELLS FARGO and their criminal practices my new mortgage was RESTARTED AT 360 MONTHS, my APR went up close to 7 % and my monthly payments are close to {$2300.00} now. my monthly payment the day prior to deferement was XXXX. 

During the ordeal of preventing WELLS FARGO from putting my family and me out on the street and stealing my house i made THREE PAYMENTS AT XXXX, totaling XXXX dollars. i asked a wells fargo employee " where did that money go? '' and NEVER GOT A STRAIGHT ANSWER. that money went into somoenes pocket just like my near 7 years of mortgage payments. 

I was lead to believe i could recuperate and recover while out of work and " It'll be like nothing ever happened. '' Well a lot did happen. 

to reiterate XXXX. I was told by a wells fargo employee i could utilize the VA disaster relief fund when i inquired about the deferement program initially. 
XXXX. I was told by a wells fargo employee " you do not have a choice in what program you use. '' when i attempted to utilize the VA Disaster relief fund. 
XXXX i was told by a wells fargo employee " your monthly payment wont change, your apr wont change. the only thing that will change is the term of your loan. '' XXXX i attempted to restart my payments and felt as if i was being taken advantage of. 
XXXX i made THREE PAYMENTS OF XXXX and now can not find where any of that money went. 
XXXX i reluctantly singed papers so i could house my family. 
XXXX. MY LOAN HAS BEEN RESTARTED AT 360 MONTHS! 
XXXX. MY APR WENT UP TO NEAR 7 %. 
XXXX. MY MONTHLY PAYMENTS ARE NOW OVER {$2300.00} A MONTH!
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OK)

Aidvantage has been reporting inaccurate information in the form of 7 accounts, different amounts and dating back as afar as XXXX of XXXX. There is only payout information on the report starting in the year of XXXX. XXXX has to be an elaborate mechanism as evidence by the lack of accuracy in my report. May this also stand as a formal request of " VALIDATION " of a debt to Advantage, as provided in the Fair Credit reporting Act. I am requesting to see any and all contracts with my signature as well as the ORIGINAL INSTRUMENT OF INDEBTNESS. If these accounts can not be validated, then they must be deleted Done in Good Faith XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (HI)

American Express advertises its " Apply with Confidence '' feature on its website. It states " During the application process, select applicants can find out if they are approved without impacting their credit score. If the applicant receives an approval and chooses to accept the Card, only then might their credit score be impacted. '' I decided to try out this feature on XX/XX/XXXX  for XXXX XXXX XXXX. Instead of getting an answer on whether I will be approved or not, the website informed me that further information is needed. I then thought that someone from AMEX will reach out to me to gather more information necessary for this " pre-approval '' status. I never gave my full permission to process or complete the application at that time. Then, after a few days, I found out that the card is being shipped to my address. I immediately called AMEX to find out what happened and never got a satisfactory answer on why the card was approved. Nevertheless, I was able to cancel it right away and the representative also reassured me that I should be eligible for the bonus offer when I do apply fully for the card next time. Since then, I have been trying to apply for the card with the bonus offer, referencing this incident, but only got the message that this is now a reapplication and will no longer be eligible for any offer. I explained the situation multiple times to numerous customer representatives over the last 3 months and got no resolution to it. By wrongly approving for a credit card that I never fully applied for, it not only affected my credit score by processing the application but it also reduced the credit amount on one of my credit cards as a part of the approval process. I feel that their " Apply with Confidence '' feature was simply a bait which they used to collect personal information of the customers. AMEX used the feature inappropriately to collect my information to process the application all the way through without being given an option to " receive an approval and choose to accept the card '' as it advertises.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, I voluntary closed my Capital One credit card accounts by contacting customer service at the XXXX number and speaking to an agent. The agent cancelled my credit card accounts during that phone call. However, at no time during that recorded call was I told that I needed to separately contact XXXX XXXX  ( a division of Capital One ) and request that my XXXX XXXX monitoring program should be cancelled. 

On XX/XX/2023, I received an email stating that Capital One was monitoring my credit score and it had not changed. The email had the Capital One logo all over it and also the name XXXX XXXX. A simple XXXX search reveals that XXXX XXXX is an agent/affiliate of Capital One companies On XX/XX/2023, immediately after receiving the email, I contacted Capital One and advised the agent that my accounts were previously closed and that Capital One no longer had my authority to continually monitor my credit score. That program, since it is affiliated with Capital One, should have been cancelled when I cancelled my credit cards. 

After an approx. XXXX minute phone call, and after speaking with 3 different agents, Capital One advised me that 1 ) XXXX XXXX is a separate request that must be cancelled separately apart from cancelling CC accounts ( despite the fact that I was never told this on the initial call nor did I ever receive any written notification of same ; 2 ) the 3rd representative told me she was cancelling my XXXX  XXXX account however she could not provide me with any written confirmation/email or letter nor could she provide me with any confirmation number because her " system wouldn't allow it '' and that was just Capital One 's " procedures. '' After I requested again for such confirmation and after she placed me on hold numerous times, she finally gave me her name : XXXX and her ID # is XXXX. 

I believe Capital One 's actions are unethical, and their practices and procedures are extremely unhelpful and leave customers with open accounts without their knowledge.
Consumer complaint received 2024-11-20
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. (IL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TN)

Servicer refused to remove PMI ( which is a violation of federal law ) after I provided verification of home value and loan being less than 80 % of that value. I provided comparables and justification and was willing to do an appraisal, but they would not do an appraisal because they say that there must be significant home improvements in order to justify the value. 

Such a rule from their " investor '' they say -- according to all that I have read online on federal code, there is no such justification for such rule, and that rule in this situation is causing the servicer to violate federal law. I plan to pursue legal action.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX - XXXX XX/XX/XXXX I received multiple emails from Bank of America ( I am a current customer, mobile and desktop usage ). First email " Your Statement is ready, XXXX business account '' Second email " Verify your Email '' Third email " Welcome to Online banking, with your new account '' Forth email " Unable to Open your Online Account '' - This is when I contacted Bank of America and reported the activity. I was informed that an attempt to open an account had been made ; it was confirmed. However, no additional investigation would ensue beyond that point, because the account was never actually " Opened '' per their standards. So I received a follow-up email with " Tips and Tricks '' for responding to fraud on your own as a citizen. It was useful - I followed the email 's suggestions and it reminded me that this happened same time last year XXXX have the old FTC reports saved, credit freezes are in place for me since XX/XX/XXXX. So, this is a pattern officially, and I want to increase my protections ( if such a thing is even possible ) I want to get a deposit account review for my XXXX also! The XXXX was the newest resource for me; led me to this form at the CFPB.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts three times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.
Consumer complaint received 2023-04-26
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. (TN)

I got a jeep with XXXX XXXX XXXX XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the jeep and I had a payment agreed made with courts. XXXX XXXX did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to Experian with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and Experian still not fix it. Then after I made the payment left I get a alert that XXXX XXXX reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with Experian for them to state the info was credit. How is this possible??? I contact XXXX XXXX and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!