davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

I got a credit card with Kay Jewelry store around XX/XX/XXXX, with an 18 month promotional balance for the {$3500.00} purchase. then, a few months later I purchased another item on the card. Instead of applying my payments to my promo balance, Comenity bank and kay took payment towards my balance and left me with a {$1300.00} promo balance. I was not aware that they would then charge me interest on the entire purchase if not paid off last month. I called them today as I noticed a {$1400.00} interest charge on my card. ( let 's not discuss how high the interest rate is for a {$3500.00} purchase! ) Comenity/Kay says there is nothing that can be done, despite their abusive and deceitful tactics. I called and spoke to 2 different representatives today XX/XX/XXXX and they both said they can't do anything. I asked to speak to a supervisor who states nothing can be done " because of the terms and conditions of promo. '' I can't get anyone to help. If I had known that the promotional balance needed to be paid by XX/XX/XXXX to avoid interest on the entire purchase I would have done so, but now " it is too late '' ( per Kay/Comenity Bank ) .
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, XXXX, and TransUnion, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX
Consumer complaint received 2019-08-18
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. (CA)

These accounts are on my credit and I fill that’s they should be removed I don’t recall all the things on my credit it’s about 50 thousand dollars of things on my credit that should be removed it’s holding me up on purchasing me a house also the things on my credit is ver old and should be removed so I can move on with my life
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

American Express lowered the credit limit on your account to {$5000.00} from {$6000.00}. The new cash advance limit is {$200.00} which was higher. I have been an excellent customer since XX/XX/XXXX-XX/XX/XXXX. In the entire time, I have been a customer, I have never grossly missed a payment. I should not be punished for my credit activity when there is no reason to lower my limit. Matter of fact, I have a perfect payment record across ALL my debts and loans since XX/XX/XXXX. I have never missed a credit card, car, mortgage, personal loan and student loan since XX/XX/XXXX!!! I completely paid off 3 car loans and over 40K in students since XX/XX/XXXX. I believe having my credit limit lowered was made in discrimination without considering my entire credit profile. Like I have said, I have never missed a payment since XX/XX/XXXX, NEVER! Lowering my credit actually hurts me more by increasing my debt to income ratio, this is not giving me great customer service!!! When I called to get an answer regarding this issue, I wasn't given a sufficient answer. I was told to refer to my credit report. I want this fixed as a customer who has earned the credit I have worked hard for.
Consumer complaint received 2019-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by XXXX  in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.
Consumer complaint received 2019-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX collection XXXX  XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Consumer complaint received 2019-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CO)

In the process of purchasing property and preparing for the closing we received an email instructing us to wire our portion of funds so the closing will not be delayed.  We discovered that the person who is named on the wire nor the bank is not associated with the Title Company we have been dealing with.  We wired over $22,000.
Consumer complaint received 2019-12-12
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. (OH)

I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????
Consumer complaint received 2019-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/XXXX my house was completely destroyed in the XX/XX/XXXX fire.  I lost everything I own. Since that date I have paid my mortgage to Flagstar Bank without fail every month.  My insurance gave me a check for $XXXX   that I signed over to Flagstaff  because that was the approximately what I owed on my mortgage. That money was put into a restricted escrow account for my rebuild. I have had multiple issued with this Bank, regarding insurance, getting the initial amount to start my rebuild.  I believe I filed a complaint 3 to 4 months ago regarding an insurance issue that I couldn't resolve with this bank.  What is happening now, is that I have requested more money for my rebuild and they won't give to me until 55% of the rebuild is complete.  Mind you the amount for the rebuild is now $XXXX, way more than I paid for the house. All the prices have sky rocketed because so many people have to rebuild. Flagstar only has Less than 50% of what I need. My insurance company will not give me the balance of my money, which is XXXX, until the money is exhausted from the restricted escrow account at Flagstar. I am involved in the XXXX lawsuit and how to have more funds to finish my house, but at some point I might have to hold back on the finishing items until I have all the funds.  I will continue to pay my mortgage, as I have done.  What's upsetting is now I have all these people working at my house, have signed a contract, and will have not money to continue. Instead I will have liens on the property because I won't be able to pay anyone. The fire destroyed so much of my life, and the support and help I have gotten from Flagstar and my Insurance is causing me so much stress and anguish that I don't know what to do.  Please help me.  I am working three jobs so I can cover the extra costs, but it I can't complete the framing part, I am screwed.  The lawsuit with XXXX   now that its in bankruptcy court will resolve my XXXX of XXXX so I feel positive that I will be fine.  I
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I have attempted to contact this company via e-mail and phone calls. Each attempt has resulted in an unsuccessful resolution. I have received another notice stating that my taxes are due. The amount of taxes due are a lot less than anticipated. I have sent an updated tax bill, but they have not updated their information. This is unfortunately the only way I can get any resolution from this company. I have attached a copy of the taxes due and am requesting this bill be paid. I would also like my escrow amount billed monthly to be readjusted to reflect the actual tax bill. It is significantly less.
Consumer complaint received 2019-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (MI)

I am being contacted by H&R Accounts Collection Company for a medical bill that was settled by the insurance company. I believe this is an attempt to double bill me. H& R Accounts has destroyed my reputation and my credit with their collections tactics.
Consumer complaint received 2019-12-12
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-05-12
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. (NJ)

This is the further time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-18
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

XXXX transferred our loan to Fay Servicing unknown to us. We knew we were in default with XXXX  and submitted a short sale offer on XX/XX/XXXX on XX/XX/XXXX we received notice of a foreclosure date. We immediately called XXXX and they told us our loan had been transferred to Fay Servicing. Our agent and closing coordinator reached out and we did as well. We sent them the short sale offer and they did absolutely nothing! We went to foreclosure today and lost our home. I have a XXXX XXXX  and I could lose my job because Fay Servicing would not stop the foreclosure and accept the short sale. We did what XXXX asked and it did not work out. I know Fay Servicing in XXXX CFPB took action against them for failing to provide mortgage borrowers with protections against foreclosure.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

On XX/XX/19 I loaded $XXXX onto a Vanilla Visa prepaid card at a XXXX XXXX in XXXX XXXX in XXXX XXXX XXXX. I was given an Electronic Card Activation receipt and told the card was loaded with the $XXXX and was activated and ready for use. Shortly thereafter, I attempted to go to Vanilla Visa's website to check the card balance and received an "Invalid Card Number" error. I tried again a few times and kept receiving the error. I called the customer service # listed on the back of the card and a representative told me that the card was blocked and had already had a "case opened" on it. After arguing with the representative that I just purchased the card and didn't open a case, I hung up the phone and went back into XXXX XXXX. The manager handed me a print out verifying the transaction with the vendor (Vanilla) and that they had received the $XXXX.I called Vanilla's customer service again and after a long time on the phone, was told by the representative that I would need to email in documentation including my identification, the receipt for the card purchase, and the front and back of the actual card. I was given an email address to send it to and a case number of XXXX  to reference. I immediately sent in all of the requested documentation. After the documentation was reviewed, I received an email from Vanilla telling me they'd need to mail a new card to me but the address on my ID didn't pass their "address verification" even though that address is verifiable, is on my ID, and numerous other documents. They asked me to either call in to verify my address, or to send proof of address. I called in and was told that the only way I could verify my address was to send in a document verifying my address with my personal name on it. Given that most everything I have is in my personal XXXX name as far as utility-type bills (i.e., cell phone, bank statements, etc.), I sent in a copy of my insurance card which clearly displays my name and address.After 4 days (XX/XX/19), I emailed them again to follow up and asked what the status of mailing the new card was. I received no response. I waited another 2 days and asked, once again, for an update and have received no response. In my final email (XX/XX/19) to them I told them that I would file a complaint with the CFPB if I did not hear back from them and have a resolution to the matter by the end of the business day. I received no response.These people took $XXXX of my hard earned money on the night of XXXX XXXX and have since gone unresponsive and have refused to return my money to me. I would like my money back and to have a record of my complaint made public for others to see if this happens to them. There is some sort of fraud being committed here because the card was blocked after I loaded the cash, but before I could use it, and I verified my purchase and provided all requested documents, and they still have not returned my money to me, and its been 2 weeks.
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I having been experiencing financial hardship due to loss of employment since XXXX which caused me to fall behind on my mortgage payments. I contacted XXXX, mortgage service provider, back in XX/XX/XXXX and made a payment from XX/XX/XXXX through XX/XX/XXXX. I still had an owed outstanding payments for XXXX-XXXX  XXXX  in order to bring the loan current. I contacted them in XXXX to make another partial payment for XXXX-XXXX  it they wouldnt accept my payment they wanted the entire amount. I found employment in XX/XX/XXXX but still didnt recoup enough catch up earnings to pay the current missed payments. My home is in active foreclosure. I have been contacting XXXX to find out about the balance and affordable repayment options. Each time I contacted XXXX to find out the current amount owed the figures continued to change with each representative that I spoke with. The last communication I had with XXXX was on XX/XX/XXXX prior to their relinquishing my mortgage to New Rez aka Shellpoint Mortgage effective XX/XX/XXXX because they were going bankrupt, the amount reported to me was {$16000.00} not including the reinstatement fees. I was advised by XXXX to contact the attorney XXXX, XXXX to find out the reinstatement fees for attorney costs. I contacted the attorneys office on XX/XX/XXXX and spoke to XXXX and sent them an email as they instructed in order to obtain the quote for reinstatement fees. I had not received any response. On XX/XX/XXXX, I decided to contact Shellpoint Mortgage. After being bounced around, I was advised by the representative tha my monthly mortgage increased from {$1700.00} to {$2300.00} and I have to pay {$25000.00}, not the {$16000.00} that XXXX told me I owed. This figure of {$25000.00} still did not include the reinstatement fees from the attorneys office. I told them I could pay the {$16000.00} but I did not have the {$25000.00}. They told me to contact my point of contact person XXXX XXXX. I dont know where the extra fees came from and what changed in 2 weeks with my original communication with XXXX. I dont know what am paying for but Im stressed out & I feel like Im being ripped off by these companies. Please contact me at ( XXXX ) XXXX.
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (RI)

i had an payment arrangement with avant to settle for a less amount**6 payments i paid on time and now- in turn they were going to satisfy this loan paid in full- they kept reporting to the credit bureaus as being late still and now that its paid they still have not updated info on all 3 credit bureaus
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC (SC)

I filed a complaint against the company for trying to collect a false debt from XXXX previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from XXXX, the original creditor. 

The attorney is intentionally not releasing the debt to XXXX so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd XXXX XXXX  and and attorney on this complaint so that I make sure Im following all steps required beforehand.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I have a business account with TD bank that my account bas been restricted just because i issued out two checks in the amount of {$10000.00} and {$29000.00} for payments. Two days after the check was issued out i called customer service to let them aware of those two checks just because my account is new and was the first time writing checks from my account. The funds were debited from my account on XX/XX/2019 and XX/XX/2019, but TD bank security department called me and asked me to speak to my personal banker to verify the checks issued out which i did. Two hours later my account was placed under review so i contacted my personal banker again and he informed me TD bank securities have taken over my account and he is not allowed to communicate with me. There is no way to speak to that department because my personal banker informed me they only communicate with that department through email and there is nothing he can do to help me. As at now the other parties that i issued out the checks to haven't been paid due to TD bank not validating the checks with the other bank after checks has already been verified by me with my personal banker per TD banks request and checks been already debited from my account. This matter is inconvenient for my business and its causing delays for me to run my business.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I applied for PayPal credit card and was denied because XXXX insists that I closed a previous account with PayPal in XX/XX/2010. I did not have an account with them at that time. I've called several times over the past couple of weeks and they have not returned my calls. They maintain that this matter is closed.