davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On Thursday XXXX XXXX, 2016, I deposited XXXX into my new checking account and it was immediately placed on hold. I called in XXXX XXXX and they told me the account was put under review. I have rent to pay, car insurance and so many other bills that have racked up in late fees. Its been 2 weeks now and my account is forever under review. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and every day I call in a new review has been put on the account. Then when I call in they say the check has been approved but yet the account is in credit only status.Its a payroll check and I need for them to let it go. It 's ridiculous how much of a bind they put me in. I want compensation for late payments that they have put on me.
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXXor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/year>, the XXXX XXXX XXXX was opened in the store fraudulently without my consent. The cashier made it sound like I was getting a discount through their loyalty program. I did not agree to open a credit card. As soon as I realized what happened I called Comenity to cancel the application, within 1 hour. Despite this, the card has appeared on my credit report, which has caused me significant damage. I have disputed this account with XXXX, but Comenity refuses to remove the account.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank on XXXX  behalf called me repeatedly in one day regarding a past due account. When I attempted to pay in full when I had a chance to talk on the phone the representative talked over me, and made it difficult to pay. I had to use the auto phone option. I then called them to make a complaint because of the severity of the mishandling and frankly, abuse I received as a customer in good standing ( I paid it in full ) I honestly thought they might have been hacked I was treated so poorly .After I complained about their behavior they froze my account and blocked my number so I cant call and check what is going on. Now they are refusing to provide me any information claiming I requested a cease and desist when I just wanted their employees to talk to me like a human. I also think it's important that Ann Taylor XXXX and XXXX understand how Comenity bank treats their customers. Now they want me to send a letter to reinstate my account which is paid off. Why as a consumer would I jump through hoops to fix their myriad of mistakes. This bank seems to be setting their customers up for failure in my opinion and trying to skirt consumer protections. If I have to close my account why would I take the credit hit? I have done nothing but try to be a good customer.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

To Whom It May Concern : I am writing to formally file a complaint regarding my Ulta credit account, which I believe involves predatory practices that have unfairly damaged my credit.

In 2023, I paid off my Ulta account in full. Despite this, I began receiving random fees on my account, which continued to accumulate without clear explanation or justification. These fees snowballed into a growing balance, which has negatively impacted my credit score. This situation is particularly frustrating as I have never been late on paying any balance owed on this account. 
In addition, I have been actively disputing the inaccuracies of these derogatory late payments with all three major credit bureaus. Despite exercising my rights under the Fair Credit Reporting Act ( FCRA ), the company continues to illegally verify the information, even though it is clearly inaccurate. As a consumer, I expect timely, accurate, and fair credit reporting to be practiced by all creditors, which has not been the case in this situation. 
I consider this practice to be both predatory and a violation of my consumer rights. These unjust fees were assessed after my balance was paid off, and the continued reporting of inaccurate information is further compounding the damage to my credit profile. 
As such, I am requesting the removal of any negative payment information reported to the credit bureaus as a result of this situation. Since I have never been late on any payment, I believe this is the appropriate course of action. 
I respectfully ask for a thorough investigation into this matter and appreciate your prompt attention to resolving this issue. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (TX)

Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. 

XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (OH)

Torrid/Comenity bank called me about XXXX weeks ago. I told them give me XXXX days and dont call anymore and the law states no calling more than XXXX XXXXimes in a XXXX  day period. They have called me everyday 3 times a day just about. They text me as well. The last phone call I just had was on XX/XX/24. I told the gentleman again that I talked to someone already and stated what was said and also reiterated the law and that I said not to contact me and the gentlemen started getting loud with me and would not let me speak. This is harassment
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I bought a manufactured home in XX/XX/2001 Brand new put on property I was buying. I signed a loan agreement with XXXX which was taken over by Ditech. I 've called to have them refinance my loan due to the over 9 % interest rate I 'm paying back when my credit was in a lower score.. Now my credit is over XXXX but they refuse to refinance to lower my interest rate. I have fell behind on payments and even had them defer payments due to injuries that caused me to be off work and rely on workmans comp payments which is barely enough to survive on. my payments are over {$900.00} a month for a loan I took out with Green Tree. I sat down one day with my significant other only to realize I have paid over XXXX} XXXX on the loan of XXXX XXXX and only paid XXXX XXXX towards the home and the property it sits on. I still owe over XXXX XXXX on this place I call home which I am struggling to afford as it needs regular maintenance that I am unable to due due to the amount paid towards the home itself. We looked at this years payments and most of the money they received from me for the payments, was put towards interest of over XXXX XXXX for 1 year .. Only a little over {$900.00} has been put towards the home itself and the rest is interest in there pocket. What happen to the OBAMA, MAKE A HOME AFFORDABLE PLAN cause for sure this company is profiting millions off of home buyers like me.. I now have my almost XXXX mother living with me due to needing someone to care for her and paying for her own well-being to keep her XXXX and not a XXXX.
Consumer complaint received 2016-12-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: SYNCHRONY FINANCIAL (NV)

Someone named XXXX XXXX out of my county 's Consumer Dispatch called at an unknown number saying they will make an attempt for XXXX summons and if failed, there may be a bench warrant for my arrest. They left a phone number of XXXX and a case file number. When I called, I gave the case file number and was put on hold for a long time. Then a guy named XXXX came on the phone and indicated my name, address, phone number, social, and work history. He said I am to talk to my husband about the call because a settlement was discussed with him. That I am to talk about it tonight with him. I told him if it 's about me, I am to know. He accused me for owing money for a credit card. He began spewing credit cards I have currently and kept threatening me I 'd be going to court. I asked him if he was a lawyer and he said he represented XXXX XXXX. Again he indicated my job history. I asked him what does that have to do with anything? He said it means you got money. My husband who also got the same voice message and felt the same feeling I did. This is a scam. When my husband called, he related it to the guy being a XXXX or something. Very unprofessional by saying, so you got the money or what? This is reported to our local police department and if probable the Federal Trade Commission. Someone has my identifying info.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Per 15-US 1692g validation of debt the two following accounts could not be accurately validated and need to be removed from my credit report immediately.

I am writing to formally dispute the inaccuracy of these accounts and request immediate removal. Please update my credit report and send me an accurate copy reflecting this account deletion, Portfolio Recovery in the amount of {$480.00} Portfolio Recovery in the amount of {$1300.00} XXXX XXXX in the amount of {$1100.00} XXXX XXXX XXXX XXXX in the amount of {$750.00} This collection agency has been reporting these accounts inaccurately. Because of this inaccuracy, my credit has been adversely affected and Ive been unable to secure a rental property and Im homeless. Please help me rectify this situation ASAP as I am entitled to an accurate credit report. 

Thank you for your prompt attention to this matter and I look forward to your response and timely resolution of this matter.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I tried calling NetCredit and spoke to XXXX. I requested that they please drop those XXXX late remarks on my credit report. When I was speaking to a loan XXXX ( XXXX XXXX ) at XXXX, he said they have put that comment on my report XXXX times now, and will probably be the XXXX time next week. He said that is just punitive and unnecessary. I asked XXXX if they could change the first XXXX to 90 days late and drop the rest. XXXX insisted there was nothing he could do. I'm really trying to get a loan so I can get all my creditors paid off completely and just have XXXX payment to make so I can possibly breathe again. XXXX XXXX said he had another client with pretty much the same issue. He told him to call the company and request what I did. I was told that the company totally cooperated and fixed his credit report so he could get his loan.
Consumer complaint received 2016-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

i receive a call from a company called Convergent Outsourcing, they call me at least once a day, i have requested before to be taken off there calling list and when i actually ask the person to take me off they just hang up or tell me to XXXX and laugh, this is one of the few calls i get daily and it is interfering with my work, these calls are annoying and i really want them to stop, i have filed complaints before with the do not call registry because i have been on that list for many years now, and they have done nothing to help.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NC)

CB/Victoria Secret is unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$420.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. CB/Victoria Secret has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against CB/Victoria Secret . I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Consumer complaint received 2016-05-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (NH)

I have received multiple calls, some very late at night, from Trident. I finally called back and they answered " Hello? '' Hardly sounded like a legitimate collections agency. They claimed I had a debt in collections from a bounced check. This check was never written by me, and was supposedly written to XXXX stores in XXXX XXXX, as I was living in XXXX. I explained that this was not my check and it must have been made fraudulently. They claimed it was my responsibility. I called my bank and they have no corresponding check with the check number I got from Trident ( after pushing them ). I also called the bank that they said requested my debt- XXXX XXXX. XXXX had no idea what debt I was referring to and stated I had no debt with them. Trident is collecting false debts that are not validated or actual debts. They did not give me a license number when I requested and instead hung up. They were extremely unprofessional and do not seem to be a real company. They did not verify the debt in my name in any way but knew my social security number It is very concerning. I do not owe anything and do not want this on my credit report, as I have not collected a debt anywhere.
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (FL)

Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX XXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX at with a approved loan from my Bank, XXXX XXXX Bank in the amount amount of {$25000.00}. Approved on XXXX XXXX XXXX at XXXX XXXX. 
The vehicle I was interested in purchasing was a XXXX XXXX XXXX Transit for {$23000.00}. And I stated I only wanted to use XXXX XXXX for financing. 
Several months later I checked my credit report and was shocked and appalled to see Multiple Inquiries from XXXX XXXX XXXX. 
I am requesting the removal of the XXXX Unauthorized Inquiries listed below From all XXXX credit reporting agencies. 
I did not Consent to the XXXX Inquiries listed below. 
Thank you in advance. 

Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. 
Inquiry XXXX XXXX, XXXX XXXX XXXXO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I lived in XXXX XXXX because it was required of me when I accepted the job as a manager. I never signed or was bound by a lease. I lived in the apartment for the time I worked for the apartments and when I was no longer working as manager I moved out of the apartment. There is absolutely no reason this erroneous debt should be reporting on my credit file!
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CORELOGIC INC (TN)

Hi my name is XXXX XXXX and been trying to contact those company who put all of the credit inquiries on my report asking them for prove or any documentation that i authorize of those inquiry but it 's been more than 5 months and so may letters i send. and I can get any response from them please help me cause they were not answer for me and I hoop they answer for you either let them remove those inquiries or I supply the documentation that show that I requested of those Credit I need your help thank you so much. 

( note ) i sending you copy of some of thats letters me to them and letters they response I got from them to support my claim thank you so much again. and one of those companies does n't even exist because I have a return certified mail back to me telling me that they are not they do n't exist but they still show over my credit report as inquiry.