davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

Comenity bank charged me a late fee of {$27.00} on XXXX XXXX my payment was due on XXXX XXXX for my XXXX Credit Card. The balance for my account was {$170.00}. Then I received a credit for a return bringing my balance to {$130.00}. 

I believe Comenity Bankcharges excessive late fees for the proportion of a consumers balance. In addition I believe Comenity is charging a late fee on the accounts prematurely not providing consumers adequate time to actually submit their payment before a fees charged.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (WA)

1. " Credco '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of Credco, just that it is actually XXXX XXXX 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

For 2 years equifax has been showing an account in collections and owing a balance of {$2400.00}, which I paid off. All other reporting agencies have updated but this one. I have filed disputes numerous times over the years, providing receipts & settlement letters to no avail. Now they are suddenly showing me owing a balance on an account I paid off in XX/XX/XXXX. Their report even shows me owing a XXXX  balance all through XX/XX/XXXX until now, but now they claim that I suddenly owe {$1700.00}. No other reporting agency is showing me owing a balance on either of these accounts, just equifax. So since Ive had no luck filing disputes with them in the past, them getting hacked, losing my information, covering it up, then trying to get me to pay for credit monitoring due to their error, and now them claiming I owe money on an account they show had a {$0.00} balance on last month, thats the final straw. Since me working with them hasnt worked, Im trying something different in the hopes of finally resolving this and getting my credit score where it should be in the one reporting agency that it lags. I have attached a copy of the settlement letter showing that I paid off what equifax says I owe and is in collections ( Ive provided this multiple times to equifax ). I also included screenshots of what equifax shows for my credit report vice what other reporting agencies say. You will find that they all show XXXX balances and that these things were resolved years ago where as equifax refuses to update the information to show the correct and up to date data. Thanks for your time and consideration.
Consumer complaint received 2017-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

On XX/XX/XXXX XXXX XXXX quoted me a payoff amount of {$26000.00} and said it was good for 10 days. I paid them {$27000.00} which leaves them owing me a balance of {$1400.00} but have not received at this point. I have continually tried to work with them on processing a refund that is due to me but keep getting the run around.
Consumer complaint received 2017-11-29
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. (TX)

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX I Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.
Consumer complaint received 2017-11-29
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. (KS)

Someone applied for credit with XXXX and TransUnion gave access to my credit history without my authorization on XXXX/XXXX/XXXX. XXXX approved the credit for whoever was applying. I called TransUnion, XXXX, and XXXX XXXX/XXXX/XXXX. They put fraud alerts on my accounts. Called XXXX customer service XXXX/XXXX/XXXX. They said yesterday that yes they gave approval for credit. They closed the account. No charges to the account thank XXXX. I talked to their fraud department and they are to investigate. I now have a hard inquiry on my credit history on XXXX/XXXX/XXXX from XXXX  that I did n't authorize. Would like to get it removed.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (TX)

Last month or so, attempted to open account with SIMPLE bank. A month later, told that they could not read my information in photographs. They told me to take photo of myself outside of my home. Attempted to send, my account was closed before I could send. Re-opened account again, send photos via their website and also e-mailed PDFs for easier reading. They had problems with this, but refused to tell me what the problem was. I resubmitted again. They had a problem and refused to tell me what it was. As they told me to try to send materials again, an actual employee of SIMPLE DELETED my information and altered the information of my account! I attempted to create a new account and their " system '' blocked me from re-creating. Employee at SIMPLE told me there is nothing they can do. That they can not control their system whatsoever. Additionally, employee could not tell me what was done with my very sensitive files. They refuse to tell me whether it was sent to a secured e-mail or whether it will be properly deleted. This process took several weeks and no one at SIMPLE is held accountable. Worst of all is, I have NO IDEA what they are doing with my information. If I can not become a client, why ca n't they tell me what they are doing with my personal information? I am now left at risk to identity theft.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

I was called by IQ Data International In in XXXX WA on my cell phone in XX/XX/XXXX. I was told I owed {$74.00} for some debt from an apartment I had rented and vacated in XX/XX/XXXX. I asked why it was so late in the game I was being notified. I was only told the debt went to collection. I have never received any kind of notice in writing nor anything to show what I am being charged for. I had emails from the rental property after I left to confirm they received my keys in the drop box, and nothing more was said about owing any additional money. In fact I paid additional rent for 3 months because I did not renew or extend my lease. Now during the same month this debt was put on my credit record and will potentially harm my employment and security clearance. When I spoke to these people they mentioned a carpet cleaning which I then informed them I had paid to have it done when I moved in, and when I left, 3 people who helped me move witnessed the condition of the apartment and carpet which did not need cleaning. Also the management never informed me of any cleaning charges which normally are incurred when there is damage, etc. which there was none. I am very upset that there was NO written notice, NO advance notice, nor ANY written description and or bills, statements of charges the collection company is seeking almost a year after I have left the state and the area. I do not pay debts to unknown parties over the phone. This company took the liberty to state I owed money without anything in writing then slapped it on my credit report without any response or opportunity on my part to dispute or know just what I 'm being charged for with sufficient documentation and evidence.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (TX)

The specific nature of the problem refers to the terrible customer service of Atlantic Credit and Finance. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since 2016.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Hello, I discovered that i have been a victim of Equifax 's neglegence and incompetence in handling credit data. Equifax practically gave away to hackers my data and the data of half of America by storing it improperly ; if the data was encrypted, a basic standard in the data security word, it wouldnt have been accessed by hackers. Second off, i never approved them to obtain and store my data in the first place. How is it legal for banks. Etc to hand over my data to Equifax and similar companies without my consent? If they are going to store data they have an obligation to store it properly and there should be an opt out. I dont see how this company can continue to be in business after releasing all this data. They are only offering one year of free credit reporting to people affected by the breach. Thats unqcceptable. Our XXXXs and other data dont expire in one year so pretection from their mistake shouldnt either. Please update the laws to protect people from companies like Equifax.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

On XX/XX/XXXX, I was checking my credit report through XXXX XXXX, and found that an old account loan for my automobile purchased in XX/XX/XXXX from XXXX XXXX XXXX XXXX was showing that I owed an amount of {$990.00} toward the balance. However, the account was paid in full two years ago in XX/XX/XXXX, and I had received a release from the XXXX XXXX XXXX. I called the bank on XX/XX/XXXX, to discuss the issue, and the bank representative confirmed that they had mailed a release from the loan in XX/XX/XXXX, but I would have to make a " consumer complaint '' against them in order for the report to be corrected.
Consumer complaint received 2017-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

Hi, I have been working with my Servicer and requested to be reviewed for a loan modification. They advised of the instructions to submit and all the documents were provided on XX/XX/17.  When i called yesterday to confirm they received them, they are now telling me they will not review them due to the foreclosure sale date. I advised them that if they would not honor a modification review that they at least consider more time to allow me to qualify for a Reverse Mortgage. They said that they are not willing to do anything to postpone the foreclosure sale date. I just dont understand why they are not willing to help me. I am elderly and have worked very hard to have the home I have today but due to unfortunate set of circumstances my mortgage fell behind. I really need your help to allow me more time, to at least continue to push forward for this Reverse Mortgage. Thank you for your time and consideration.
Consumer complaint received 2015-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (OH)

I recently obtained a new number as of XXXX XXXX, 2015. Since that time, I have repeatedly ( several times a day ) received calls from Ocwen Financial for a XXXX. I do not know this person and have relayed as much to the customer service rep. They apologize each time but nothing is done to resolve the fact that they now have the wrong number as they still continue to call.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My business debit card was stolen. I wasnt aware of the situation until after 2 weeks of fraudulent activities. Im not sure exactly when my debit card was taken because, I dont use the card physically. Proper procedure is, if there are any suspicious activity or fraudulent purchases, that my debit card will be locked, and I will be notified. I DID NOT RECEIVE ANY ALERTS OR PHONE CALLS. The transactions start on XX/XX/XXXX and end on XX/XX/XXXX. They consist of ATM withdrawals, ATM deposits, money order purchases and store purchases. There was Fraudulent checks deposited through the ATM machines also. A grand total of {$19000.00}. The investigation was done, and Bank of America decided to close my account because my PIN # was used. I didnt think that decision was right, considering that Ive NEVER giving out my PIN # or giving anyone permission to use it. I asked Bank of America to reopen the case. Bank of America reopened the case, did their investigation again, and came up with the same conclusion. I then asked for a copy of the report. I was told that it wasnt any physical paper work, and the decision was based off the PIN # usage. I received a letter on XX/XX/XXXX stating that my account has been CLOSED, because the transactions were authorized and posted correctly to my account. On XX/XX/XXXX Bank of America excepted a deposit of {$800.00} from a disbursement from the IRS, into a CLOSED account. The payment went towards the outstanding balance. First or all, I wasnt contacted when the transactions were taking place. I then contacted my police department to file a dispute on my transactions and a complaint against Bank of America. I proceeded to open another bank account for business and ALL of them would close after about 48 hours. Now I find out that Im listed with the Check consumer beau because of the Bank of America situation. This enables me to open an account anywhere. I was then told by XXXX XXXX XXXX to register with the Secretary of State to become a XXXX, so I could use my Tax ID # for the bank account. That account closed also. Then I went to see XXXX at XXXX XXXX. Thats when I was guided on how to handle the whole situation.
Consumer complaint received 2017-11-27
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: Santander Consumer USA Holdings Inc. (NY)

XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.
Consumer complaint received 2017-11-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Navient Solutions, LLC. (MI)

I actually could have chosen several of the complaint subject because the all where applied as a result of retaliation, starting from XXXX XXXX, XXXX XXXX, Department of Education and Most likely XXXX XXXX. I was retaliated against after filing a claim in relationship to my deductions from my Social Security Check for two separate reasons, I have contacted as many agencies that I know of and continue to until I get a hearing concerning these matters. I have been locked out in order to be exposed to an assault using group stalking, arrested and jailed for resisting arrest without having committed a crime to be arrested for. I have been forced out of employment, Robbed and threatened inside of my housing. I have endured more than I can describe in a Dictionary sized book, and still to this day I am getting calls on a daily mostly robot calls, to include text of non relevant material. Intercepted Legal Mail, to include Appeals, At XXXX It  's not hard to recognize being the subject of an assault, rather you use cars for cover, call centers, glasses or an umbrella. Not to mention confirmation from others in the vicinity of their presence. Without saying to much at this moment though I have 3 different student loan debt collectors all claiming them the exact sane amount for an amount of money XXXX received and not me. Nor did I get a Higher Degree or Employment from them. But I did get beat, kicked shocked, and robbed of an inheritance because I was XXXX  for it. Never received Money or anything else from XXXX that can be considered an tradeoff. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX & XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AS WELL AS U.S. Department of the Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, Al XXXX have all been collecting {$33000.00} since 2008 after I wrote XXXX XXXX a Letter to get information on their claim