davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

I have a credit card through Victoria 's Secret with Commentity Credit Card Services.  My payment date is the XXXX of each month. I post the payment myself every XXXX. They are charging me late fees because the payment is posted past XXXX XXXX on every XXXX, and will not take the late fees off of my account because it is made past XXXX on the XXXX. However, my payment is still the XXXX and the payment is processed for that day. They can only make one refund credit each 18 months which they did for XXXXXXX, but will not refund any further. They said they could they would refund one month but not any further months. They have charged me an extra {$260.00} in late fees for paying past XXXX on the XXXX which is my due date, making my bill {$660.00} instead of {$400.00} dollars. I have spoken to XXXX, the highest manager of  commenity who said they will only refund one month and no other months. I want these late fees taken off because i do process on the XXXX which is my due date and he would not help me in any way shape or form and was very rude to me. The late fees also range anywhere from XXXX $ to {$37.00}. It was XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, then XXXX. When I asked about the inconsistencies he said that they have the option for it to go to up to {$37.00}, but then they went back down to {$30.00}? I want to pay the bill of and told XXXX in the future I would set it to draft by the XXXX each month automatically but he refused to reimburse me when I have made the payment every day on the XXXX, but is explaining I have n't because it was between the hours of XXXX and XXXX XXXX.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-08-15
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. (IL)

On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously.

The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information.

The accounts are listed on the attach police report
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2018 I requested a copy of my credit reports from Equifax, XXXX, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
Consumer complaint received 2024-11-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

XXXX XXXX made an arrangement with me for repaying loan. I made XXXX payment XXXX for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and XXXX XXXX said if I made a payment every XXXX on XXXX I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment XXXX. They said I promised to pay the entire amount by XXXX which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared. 

XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I learned about XXXX from a television advertisement and I was desperate for help after my partner XXXX XXXX   so applied for a loan online. Someone from XXXX then called me to sell me the loan. He told me how much the loan would be each month and that it might be hard for me to repay but that if I struggled with the payment I could call him back and that he would work with me to lower the payment. I started struggling with the payment right away, but when I called XXXX back to get help they refused to work with me. Now I have to choose between making rent and XXXX   payments and can't make ends meet. I was almost evicted as a result. I also don't know who I even have the loan with. I spoke with XXXX to get the loan and they are sending me payment notices and demands. But the contract they gave to me is with XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (AL)

I was discriminated and treated unfairly by suntrust, because of these two other banking employees and a district manager at XXXX XXXX  XXXX XXXX. Who has been spreading untrue things against me and getting other banks to deny me a checking account. Because XXXX XXXX has such hate and malice against me and my mother that she thinks we do n't deserve a checking account. I know she has influenced them to close my account. And they 're recent attitude towards me. I have every right to be angry and outrage and the way I have been unfairly discriminated against. I ca n't even have a bank account because of XXXX XXXX and her defamation of my character.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

I 've had an account on Coinbase / XXXX for about a year now. 83 days ago, they restricted access to my account. Locking in it XXXX Litecoin ( cryptocurrency ). 

I submitted a help ticket to Coinbase and XXXX immediately after receiving the notice. Its now been almost 3 months of back and forth emails ( mostly automated responses ), without any ability to tell me why my account is restricted. Responses can take typically more than a week to receive from them. It has been 2 weeks since the last response. I 'm not sure what else I can do.
Consumer complaint received 2018-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC (TX)

Mortgage company refuses to disburse insurance proceeds and has been holding onto those proceeds while collection interest on our money. Are they in violation of any Federal Statutes? 

We have a VA backed loan with TruHome Solutions ( the mortgage company ), and they are demanding that we must use a licensed contractor with a signed contract, XXXX, waivers, etc, in order to receive incremental draws from the last $ XXXX check paid out by our flood insurance company. ( The outstanding balance of our home is around $ XXXX and our home is worth pre-flood $ XXXX. ) We have made multiple attempts to reason with them and in agreeing to take the incremental draws with periodic inspections as the work progresses. But they are adamantly refusing. 

Per the Texas Office of the Attorney General, Consumer Protection division, Texas does not require any contractor to be licensed. Nor do we see any provision in our signed deed of trust with the mortgage company that requires any such. In fact, section 11 of that document states in part, regarding Assignment of Miscellaneous Proceeds : If the property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lenders security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lenders satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. 

It appears clear to us that unless there is some other document we signed which states otherwise, TruHome Solutions is in breach of our contract in refusing to quickly inspect the property and release the funds. 

One other potentially noteworthy factor is that we are still displaced and are currently in the FEMA Transitional Housing Assistance program going on some 4+ months now. And while we appreciate the assistance, we would prefer to save FEMA funds and get back into our home ASAP. 

Thanks in advance for your help with this. Let us know if you need any more details.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One as NOT addressed the issues in my complaints. There is no contract or agreement for me to pay the charges on my credit card after XXXX XXXX, 2017 by XXXX XXXX XXXX XXXX XXXX. I never gave XXXX XXXX XXXX XXXX XXXX permission to use my credit card after XXXX XXXX, 2017. There is no proof I made the purchases charged to my credit card. Capital One has repeatedly required me to prove I did not make the purchases, did not give permission for my credit card to be used. It is impossible to prove you did not make a purchase or give permission. The vendor has the responsibility to PROVE the customer made the purchases, agreed to pay, gave permission for the credit card to be used, etc. Capital One has NEVER PROVIDED ANY PROOF I MADE THE PURCHASES, AGREED TO PAY, OWE ANY MONEY OR GAVE PERMISSION FOR MY CARD TO BE USED. 
Capital One keeps sending letters saying THEIR RESEARCH INDICATES SOME ONE ELSE AUTHORIZED ON MY CREDIT CARD GAVE WRITTEN PERMISSION FOR MY CARD TO BE USED. I AM THE ONLY ONE AUTHORIZED TO USE MY CARD. THE VENDOR HAS NOT PROVIDED A CONTRACT OR AGREEMENT SIGNED MY ME. THE VENDOR HAS NOT PROVIDED ANY PROOF I MADE THE PURCHASES. THE VENDOR HAS PUT CHARGES ON MY CREDIT CARD THAT ARE ERRONEOUS. Capital One has threatened me with fees and interest if I did not pay the charges on time. Capital One refused to put many of the charges in dispute which should require the vendor to prove they are legitimate. NOT ONE CHARGE ON MY CREDIT CARD BY XXXX XXXX XXXX XXXX XXXX HAS BEEN SHOWN TO BE LEGITIMATE. FRAUD IS ILLEGAL. CAPITAL ONE IS SUBORNING FRAUD, EXTORTION, PRICE GOUGING, ETC. BY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CHARGED ME AN ADDITIONAL FEE OF {$550.00} TO USE BLANKETS DURING THE MOVE THAT ARE SUPPOSED TO BE INCLUDED IN THE PRICE. XXXX XXXX XXXX XXXX XXXX STOLE 4 OF MY PACKING BLANKETS AND NEVER GAVE ME ONE CENT FOR THEM.

CAPITAL ONE HAS NEVER ADDRESSED ANY OF THESE ISSUES IN MY COMPLAINTS. WHY? WHEN IS CAPITAL ONE GOING TO ADDRESS THE ISSUES IN MY COMPLAINTS?
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAA Collections (ND)

In approx. XX/XX/XXXX I was in the XXXX hospital for a XXXX   XXXX XXXX XXXX. After one week I had to learn to walk again. Someone from XXXX XXXX   wanted to know if I needed or wanted a walker. I told them, only if Medicare & Medicaid would cover it. They came back several hours later & said it was covered. I went home & approx. 1 year later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX. that I needed to pay {$120.00} for the walker. I called them & talked to the manager who told me that I am responsible for the debt. because she had reimbursed Medicare & medicaid for the amount because it was a work comp. claim. I told her it was not & she said " Yes it is ''. I told her it needs to be re-filed to Medicare & Medicaid but she said NO. I told her I will not pay it so she sent it to AAA collections. I sent a letter to AAA collections & XXXX XXXX XXXX. to cease & disist but AAA collections continues to call & send notices 4 years later. I have talked to several people at AAA but to no avail. I have told every person there that I talked to about this but got no where. Right before XXXX XX/XX/XXXX I spoke with someone that said they would try to resolve this because it has been so long but all they asked for was my credit card #, Bank statements, & Tax forms.
Consumer complaint received 2024-10-28
Product: Credit reporting 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: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (OH)

I graduated from the XXXX of XXXX XXXX in XX/XX/XXXX, in XX/XX/XXXX I started the XXXX XXXX XXXX XXXX XXXX. Throughout this time my student loans were in deferment per the policies ( deferment through the time of maintaining XXXX XXXX student status and for 6 months after ). In XX/XX/XXXX I was a XXXX XXXX XXXX ( XXXX credit hours ) at XXXX XXXX XXXX XXXX. My loans should have still been in deferment per the policy. I found out that my credit report was showing late payments through Great Lakes, although my loans through XXXX XXXX were in deferment. I contacted Great Lakes and they said they would verify with the school ( XXXX XXXX XXXX XXXX ) and place my loans back into deferment. This was never done as it should have been and my credit report is still showing from XX/XX/XXXX through XX/XX/XXXX my loans were not being paid and were past due. 

These loans were not past due, per the policy the loans should have been in deferment.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX. Today I received a notification on my credit report that Portfolio Recovery Associates reported an account I have no knowledge of. ( XXXX XXXX ) for {$1600.00}. I previously had problems with this company where they previously reported an account that was inaccurate and lacking documentation. Without verifying the debt, portfolio tried to collect payments by pressuring me with false statements and ridiculous claims of a lawsuit using robo-signed court documents. They closed that account after I clearly proved to them that the account did not belong to me and filed a complaint with the CFPB AND XXXX. Please refer to CFPB COMPLAINT # XXXX ... Portfolio sent me a letter dated XX/XX/XXXX stating that the tradeline was closed and removed from all credit reports.. Now they're stating that there is a another new account with a new account number. The previous account that was closed ended in account number XXXX. I called them today and spoke with two different representatives on a recorded line.. they both stated to me that the complaint that I had made previously was regarding another account and that they just purchased this new debt in XXXX?? .. I stated to them that I sent them a letter regarding the false new account and they need to use the documentation that included my FTC affidavit notarized and signed with my police report as I was a victim of identity theft and the girls stated to me that the debt buyer just bought this new account for pennies on the dollar in XXXX and their job is to collect on it aggressively. Portfolio Recovery Associates knows this information is inaccurate and can not be legally enforced based on disclaimers, past practices of debt sellers, or my consumer dispute. They have all my supporting documentation on file!! This is a violation of Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Portfolio Recovery Associates needs to close and delete this tradeline off of my credit report. This is also a violation of the fcra 605b identity theft law. Should they not remove this tradeline I will pursue with a lawsuit. I have supporting documents where that supports my dispute and they have yet to prove to me that this account is mine. I will also take this to the media should not this not be resolved because I am exhausted calling them trying to get this account resolved closed and deleted!!! I also sent them a cease-and-desist request to discontinue the phone calls and the letters that they are continuously sending to me and calling my place of employment and they have went against the law of the cease and desist which both representative stated that they do have on file and completely ignored it. My information is listed below : this has gone way too far that they're allowed to continuously break the laws like this.. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2018-01-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have tried to get Bank of America to do a removal from my credit report on old mortgage debt that was paid over 6 years ago in a short sale. I have requested several times with no resolve could you please help Im trying to clean up my credit to buy a new house and I believe I deserve another chance. 

Short sale XXXX Amount-XXXX Thank you
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I do n't feel I own this loan I was enrolled in what i thought was free program that closed while i was attending the school. After a while i started getting bills and was not sure what to do or how to go about getting this issue corrected. In order to stop for getting a wage assign me i went into consolidation to stop this because I could not afford assignment. I asked for simple copies of signed documentation showing i signed for this loan. The company is claiming the school closed XXXX-91. I do not agree with that It closed while i was there. I 'm asking if their claiming it closed that date can the please provide their information. The school did not give me any closing information and missing paperwork
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

IC Systems is reporting 4 collections on my credit and they will not tell me what they are for. All my collection are paid or taken care of through the hospital/insurance. I do not know what the debts they are reporting are for and when I call them they tell me to call XXXX. When I call XXXX they tell me they have no debts matching those amounts and they are unaware of them. 
I do n't think it is fair that they can report whatever they want and not prove that the debt is valid. I am contacting my attorney and I am also filing complaints against them with the attorney general.