davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

I am behind on a single payment ( <30 days ) which I have discussed with the company and made a promise to pay because I have been having an issue with money recently. They have made multiple calls to me from the number ( XXXX ) XXXX. As of today, XX/XX/2023, Comenity Bank has called me a total of 12 times. Exceeding the 7-in-7 rule set forth by the FDCPA. The first set of four ( 4 ) calls being at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then the second set of four ( 4 ) calls came, at this point equaling out to eight ( 8 ) calls, I returned their call again to explain to them that I will pay and to explain that they have thus violated the 7-in-7 rule by continued calls after speaking with me about this particular debt. The rep I spoke to first said she would update my status to prevent further calls from them to me. Two hours after that phone conversation Comenity proceeds to call me another four ( 4 ) times in which I made another call to them trying to explain what happened the supervisor I spoke with, despite being rude, he tried to explain that " Sir we did NOT try to call you 12 times today I can assure you. '' I proceeded to explain that I have the call logs to prove that they did. He then had me send them the record of the call logs and I attempted to do just that but they rejected it and would not allow my message to go through.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I submitted a mobile deposit of {$50.00} for a check into my checking account with Wells Fargo. Then on XX/XX/XXXX, I received an email notice from my bank that the check had been returned and they charged me a " return check fee '' of {$12.00}. Then on XX/XX/XXXX I took the check to the bank it was originated ( XXXX XXXX ) and they cashed the same exact check for {$50.00} ( plus a fee of {$2.00} since I was not a customer ). I attempted to reach out to Wells Fargo and they initially refunded {$9.00} of the fee they charged me and then after speaking with a supervisor they refunded the other {$3.00}. They Refused to reimburse me the {$2.00} fee that Regions charged me for cashing the check since it was a Third party fee. I have Three areas of complaint against Wells Fargo Bank. 1 ) They refused to cash a legitimate check from XXXX XXXX, 2 ) They charged me a fraudulent " return check fee '' when the check was valid ( since I was able to cash the same exact check at XXXX XXXX, and 3 ) The refused to reimburse me the {$2.00} fee that I had to pay to cash the check at XXXX XXXX since Wells Fargo denied the deposit.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management ( in violation of 20-cv-1750-GPC-KSC which is titled Final Judgement and Order Approving Joint Motion for Entry of Stipulation ) opened a Small claims case against me on XX/XX/year> ( XXXX  SC XXXX SP ) in direct violation of paragraph 9 ( Time Barred Debt through Litigation )
Consumer complaint received 2023-07-22
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. (AZ)

In Accordance with the Fair Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of conviction of crimes which antedates the report of more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX XXXX i made a mobile deposit to Capital One Bank and received an email saying the deposit would be placed on hold until XX/XX/2023. I understand the process of letting the funds clear to ensure the check was good. I did not receive any other notifications. On XXXX XXXX I call customer service and ask when the deposit would be available and was told the check now looks suspicious and would not be released until XX/XX/2023 at XXXX XXXX. They then tried to call to person who wrote the check and did not get an answer. This person should not have to justify themself to my bank for any reason. I am now without my money for 60 days because of some person at the bank. I tried to cancel the deposite and they would not let me. I did not ask them to trust anyone, they had enough time to clear the check thru the other bank. Other than some XXXX handling the account i can think of no reason to withhold this check if it has cleared. XXXX XXXX
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF INACCURATE ACCOUNTS WITH XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (NJ)

Hello I lost my job in XXXX and I fell behind in my mortgage payments. I was out of work for almost 2 years before I was able to find a job once I did they paid me less than half of what I was use to making therefore I could n't save to reinstate my loan. IN XXXX of XXXX I was thankfully rehired at my old job that laid me off. I applied for NJ hardest fund back in XXXX of XXXX they sent me a denial letter in XXXX XXXX XXXX stating they denied me due to my loan being due for XXXX and they only help with XXXX never did anyone reach out to me to see if I had the difference it was at that time I called and I had to appeal they did not review my appeal until XXXX XXXX now since all that time passed more money late fees, attorney fees got added up the roof I was able to save about XXXX to put with the difference but its still not enough. so now I may loose my house and I came this far the mortgage company is not willing to work with me and they are not following the state of NJ guidelines that the program only assist with XXXX. Please help as I do not want to loose my home I worked so hard for it and I will have no where to go with my family.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (CO)

XXXX and AutoPay engaged in deceptive practices via the XXXX XXXX website. My son and I recently purchased a used vehicle and financed it through a credit union at 7.64 % interest rate for 60 months. The XXXX XXXX website induced me to apply to refinance the loan and provided 15 pages of offers based on my credit scores. XXXX XXXX also knew the VIN, year, approximate mileage, make and model of the vehicle, so I assumed the offers would be accurate based on all the available information. I applied for one of those offers through AutoPay, going directly to the AutoPay website, application # XXXX. Since I am defined as a " prime borrower '' I expected the best interest rate advertised to me in the XXXX XXXX offers, which was 3.49 % for 60 months. Upon hearing back from the AutoPay representative, XXXX XXXX, XXXX, XXXX, he informed me by phone that the rate and payments would be higher than the rate and payments are on the existing loan. He said " interest rates are just very high right now. '' I asked him " if I don't qualify for the advertised rate, who does?, '' he replied " no one. '' I consider this a bait and switch tactic which induced me to apply for credit and resulted in a hard credit pull on my credit report as well as my son 's. It is very disappointing to me that XXXX XXXX would participate in this kind of fishing expedition by allowing such an obviously predatory company onto their web platform, using it to bait and switch XXXX XXXX  users into working with bad actors. I have a printout of the offers provided in my XXXX XXXX  profile as evidence of what AutoPay and other lenders are doing on XXXX XXXX 's website.
Consumer complaint received 2018-05-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

XX/XX/2018 My wife and I each have an XXXX XXXX Bank of America credit card, and have had them for decades. I think that Bank of America is discriminating against us as lawful gun owners. Bank of America does this by threatening to refuse their banking services to law abiding businesses within the firearms community. I want Bank of America to apologize to my wife and me. I want Bank of America to immediately stop marginalizing my family and our honorable, constitutionally protected traditions. 

Sincerely : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (TX)

Excessive Credit inquiries on my account that I did not give permission for. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Union ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

In XXXX of XXXX Freedom Mortgage cancelled my online account for both of my mortgages with them. I have called repeatedly to get the issue resolved and customer service agents can not tell me why I can not get access to my account information and payment online. 
It started in XXXX XXXX when I notices that my login for my account was no longer active. 
I have had access to both accounts since XXXX. I have 2 accounts with them, the first account has been since XXXX and the second was since XXXX. I had no problem making my payments for both home thru the online portal. 
Here are the agents number and dates that I called to get resolution. 
XXXX XXXX - agent XXXX XXXX XXXX  XXXXca n't understand why account is not recognized XX/XX/XXXX -agent XXXX XXXX XXXX  - Said she would issue an IT ticket to resolve XX/XX/XXXX - Agent XXXX XXXX XXXX -does n't know why its not working XX/XX/XXXX -Agent # XXXX XXXX- doesn't know why is not working XX/XX/XXXX - AgenXXXX XXXX XXXX XXXX  Supervisor # XXXX XXXX -Supervisor says that they are having problems with Assumed Loans and that it would get fixed. 
XX/XX/XXXX Agent # XXXX XXXX XXXXNo idea why its still not workig XX/XX/XXXX Agent XXXX XXXX -Assumed Loans have no access online XX/XX/XXXX Agent # XXXX XXXX - Incorrect info give by agent about Assumed loans XX/XX/XXXX Agent # XXXX XXXX - Sent another IT ticket for resolution I have been told that my online account problem was due to my first loan being an Assumed Loan. But my second mortgage is not an Assumed Loan and I can not get access to it either. I have also been told that IT would look into it and no resolution has been made. 
The portal will not let me establish a new account because the portal says it doesn't recognize my account number or SSN or Names. Either for me or my husband.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. 

The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " Speedy Cash ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company.

During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. 

Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts have been disputed, closed and removed from my credit reports. 

I have also attached the FTC affidavit of identity theft to this complaint.
Consumer complaint received 2018-05-07
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. (CA)

Greetings, I have a complaint against Experian that started to decrease my credit score since XX/XX/XXXX on a weekly basis without any apparent reason. Please see below : XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 15 points. 

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 6 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 3 points.

XX/XX/XXXX Credit Score Decrease Your FICO Score has decreased by 12 points. 

I contacted Experian several times, wrote a letter by mail, and instead of giving me any response, today they decreased my score again. 
During this time frame -from XX/XX/XXXX-XX/XX/XXXX I paid off 4 credit cards. Two banks  increased my credit line -XXXX Credit cards -from {$13000.00} to {$18000.00}, and XXXX XXXX - from {$5000.00} to {$10000.00}. And this all happened within the same time interval. In spite of all this, Experian dragged my score from Good to Fair. 

Please help me deal with this company that decreases my score as much as they want without any solid grounds for that.
Consumer complaint received 2018-05-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am refinancing a mortgage loan that is serviced by Wells Fargo and they are charging {$400.00} in " Pay-off '' Fees. I have asked ( 3 times ) for a specific breakdown of the fees and they have not provided anything more then : " These are the standard fees. 
Payoff Processing Fee {$250.00} and Lien Release Fee {$150.00} '' The fees incurred should not be more then {$110.00} or {$170.00} ( the County Reconveyance Fee for example is only {$92.00} and a pay-off statement fee normally runs anywhere from $ 5-60 ) In the email they also said there is a UCC Termination fee, which I do not believe applies to this kind of mortgage however the UCC Termination fee with the State of Calif is only {$20.00}. 
{$110.00} or {$170.00} =92+20+ ( 5 or 60 )
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

https : //www.ftc.gov/XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSLEY REPORTING ALLEGED DEBT WHICH IS A FCDRA SECTION 807 VIOLATION ''15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED ANDI HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICHN IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI)

On XXXX XXXX, 2017, {$330.00} was pending to be withdrawn from my checking account by Moneygram. When I called Moneygram, they said there was nothing they can do then hung up on me. I called my bank and they stopped the payment. Now Moneygram sent it to collection. How is this legal? I never sent that money. 
I assume someone hacked there system and they want me to pay for it.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (WI)

Well I had my account hacked hacked for {$1100.00} on XX/XX/2023 and then I got my account hacked on XX/XX/XXXX 9 times during the day and then they sent me a replacement card when they close my account and when I tried to activate it they deem me ineligible for their services even though they know I wasn't responsible for my account being hacked and they never really gave me a reason and that was on XX/XX/2023 XXXX
Consumer complaint received 2018-01-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

I have received multiple calls from Central Portfolio Control Company calling to collect a debt for XXXX XXXX. I have numerous times stated to them that this phone number does not belong to XXXX XXXX, which does not seem to matter to them, I keep receiving calls from different collectors from Central Portfolio Control Company.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (GA)

XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX  whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue.

Thank you, XXXX XXXX XXXX XXXX  p.s.

last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX  was inXX/XX/XXXX.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I HAVE BEEN DISPUTING UN VERIFIED ACCOUNTS NEGATIVELY AFFECTING MY ACCOUNT WITH EXPERIAN. THEY HAVE AN ACCOUNT FROM XXXX THAT I HAVE SENT OVER DOCUMENTATION SHOWING THAT THIS IS NOT MY DEBT DUE TO A SHARE METER AT THE TIME I LIVED AT THE RESIDENT.YET STILL EXPERIAN CONTINUES TO VERIFY THIS DEBT. HOW IS THIS POSSIBLE.

I HAVE SENT OVER 3 DIFFERENT CERIFIED LETTERS ABOUT XXXX   ACCOUNTS. XXXX HAS NEVER RESPONDED TO ME, YET STILL AGAIN, EXPERIAN CONTINUES TO VERIFY THIS ACCOUNT. I HAVE GOTTEN NOTHING FROM XXXX   ABOUT THIS ACCOUNT.

I HAVE ALSO SENT OVER VERIFICATION LETTERS TO XXXX XXXX. ALL THEY HAVE SENT OVER IS A LETTER SAYING THIS IS MY DEBT. HOW IS EXPERIAN STILL CONTINUING TO REPORT THESE ITEMS THAT ARE NEGATIVELY AFFECTING MY CREDIT WITHOUT ANY PROOF FROM THE ABOVE AGENCIES. IT IS AGAINST THE LAW.