davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX Credit card payment was due on XX/XX/XXXX. I submitted the payment via bank ACH transfer on the XX/XX/XXXX. The process date was set for XX/XX/XXXX. Email was sent from XXXX XXXX that payment request has received on XX/XX/XXXX at XXXX " This is a confirmation of your one-time payment authorization made by way of an internet connection '' on XX/XX/XXXX at XXXX, they sent another email Thank you for your payment This is confirmation that your payment toward your XXXX XXXX  credit card has been processed. Thank you for your timely payment. 

our payment details* PAYMENT AMOUNT $ XXXX DATE PROCESSED XX/XX/XXXX *Accurate as of XX/XX/XXXX. 

Apparently, the bank didn't process the payment due to the error in the account number submitted. But I had no idea at all that it happened. Based on the email sent 2+ days later, my conclusion was the payment was process on the XX/XX/XXXX and everything is good. 

They charged me late fee and financial charge and they didn't notify the bank denial in time so that I can rectify the situation. They just charged the fees in the next statement and we were notified about the next statement on XX/XX/XXXX. 

After discussing with the customer service, they will not accept their liability in stating they processed the payment and won't waive the financial charge. I ended up setting up another payment on XX/XX/XXXX. 

They should not communicate that they processed the payment and thank me for making timely payment, only to turn around charge me without providing me any communication about potential late payment and letting me fix it before the due date. 

Terrible company to work with. This is not their only poor customer service we experienced.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I had a credit card with Belk for some time and recently I checked my credit balance and my credit limit was lowered for some unknown reason. I have not filed Debtors Court or Bankruptcy and the account has always been paid in a timely manner so now out of the blue they decide to lower my credit limit. This is a hit on my credit history because now it looks like I have maxed my credit out and it shows that I have little available credit. This is an unethical practice that I suspect is based on their customers race because I would be willing to bet they are not doing this practice across the board. This is a very discriminating practice that they should not be allowed, and I am asking that someone will look into this new practice that they have put in place.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I play XXXX XXXX in a different country for 8 months out of the year and while I was away my account was getting charged by a stock savings app called " XXXX '' and it over drafted my account pretty badly by the time I realized it was to late the bank had closed my account and sent it to collections. Once I came back to the states I handled it and paid the account off immediately. Now US bank has sent my account mishap to XXXX XXXX and they say it is " account abuse '', but this is not the case what so ever if anything it would be an overdraft account that's all plus it is paid off in full. Being in XXXX XXXX is ruining my life now because I am trying to get my business going and I can not because no banks will allow me to open up a bank account with them, once they review XXXX XXXX   and see the account abuse, they send me out of the door. Please help me!
Consumer complaint received 2020-06-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was XXXX XXXX. The debt was sold three times to ultimately XXXX  in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When XXXX took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.
Consumer complaint received 2020-06-27
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. (NV)

XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago
Consumer complaint received 2020-06-27
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: Avant Credit Corporation (AR)

FILE SUIT AGAINST AVANTCREDIT SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE AVANTCREDIT LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.
Consumer complaint received 2020-06-26
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. (NV)

In 2013 my father suffered a XXXX  XXXX  and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with the companys listed in the Attached FTC report.
Consumer complaint received 2020-06-27
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. (MI)

I wrote to the TransUnion credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX and XXXX credit bureau is reporting same incorrect information.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX He demanded a Power of Attorney be signed by me in private on a scratch paper or he would not proceed. 
I was not able to consult an attorney as he'd already had me sign with him as buyer, seller and broker. 
The POA was to appoint my XXXX  citizen XXXX XXXX XXXX to make all financial decisions as me. It wasn't witnessed or notarized. 

Escrow an independent agent processed escrow closing payout to all parties but had bank closed before checks were paid out in full. The bank never ask for my ID or signature? 

XXXX XXXX escrow agent also notary for grant deed original and representative for buyer XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Total $ XXXX may have been deceived after I left her office and pre2sented POA for his XXXX mom XXXX XXXX?? 

Year 2002 owned & upgrade for sale in 4 months. 

I payed pro-rated taxes with County taxes collector office. But the physical address printed on invoice was my name but XXXX XXXX home address of XXXX XXXX XXXX XXXX XXXX, CA XXXX which I never authorized or approved US Mail forwarding of this real estate transaction!!! 

The Wells Fargo home mortgage finance representative name XXXX XXXX is a personal family member XXXX partner to XXXX family of 25 yrs to date. Approval guaranteed but with the order to only use XXXX  notary/escrow officer. 

To date I never cashed checks from the small unknown bank? 

Escrow No Title No Recording No XXXX XXXX XXXX be doing all financial transactions for XXXX  XXXX  XXXX XXXX.
Consumer complaint received 2020-06-26
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: JPMORGAN CHASE & CO. (IL)

I am sending a new complaint because I can not tell if Chase is saying my re-dispute was valid even though the merchant never replied to my bad quality of service letter OR if my re-dispute is valid because I missed the time frame of getting the re-dispute letter to Chase. I am attaching the Chase letter they sent me on XX/XX/XXXX which doesnt say I missed the deadline but I am told from 2 supervisors on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX that I missed the deadline to re-dispute on time. I received a letter on XX/XX/XXXX saying my charges on my dispute was valid. I mailed a re-dispute postmarked on XX/XX/XXXX and Chase signed for it on XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and not once did Chase let me know when I needed to have my re-dispute sent by a certain time. In fact, XXXX told me XX/XX/XXXX and XXXX told me its 12 calendar days from XX/XX/XXXX was when they needed it by, both are different days. XXXX told me they wouldnt even know when it was due by till I sent the re-dispute, that doesnt even make any sense.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX 2015RE XXXX XXXX - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW XXXX, RCW XXXX and XXXX UCC XXXX ( b ) XXXX, XXXX XXXX, Title XXXX XXXX XXXX and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, XXXX XXXX and EXPERIAN requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX and Experian uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Consumer complaint received 2020-06-27
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: Neon Newco Corporation ()

I was given a prepaid Netspend debit card as a gift. I have never been able to activate or use the card but have been told my balance is now less because of inactivity fees. They are literally stealing my money from me. When I call customer service, they just keep me going in circles with the automated activation system which then sends me to a representative and then starts again.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XXXX  Credit Report USAA ( Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched USAA Mastercard Statement Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?
Consumer complaint received 2020-06-27
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. (FL)

SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-27
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was sallie Mae. The debt was sold three times to ultimately navient in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When navient took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

About 3 months ago I opened a secured account with XXXX. After my card was delivered I was unable to use it as I was prompted to pass an IRS tax return review, to which I complied, the process mentioned 5 to 7 business days, about 2 weeks after I was able to use my card and would regularly make my payments. Nevertheless about 2 weeks ago my account was blocked again as Discover claimed that my Tax Returns Gad not been verified. About 3 days ago I was able to log in and make payments, but this morning after trying to settle my balance I notified an irregularity, my account was closed. I received no notification in the mail or electronically and further my secured fund will only be disbursed in 60days. As a consequence my credit score has plunged 50points which to me are VERY crucial as I am in the process of purchasing a house. I am astonished at the whole process.
Consumer complaint received 2020-06-26
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. (MI)

I've reached out to TransUnion, was informed that inquiries couldn't be disputed and would stay on my profile for 2 years. Requested fraud dept. no help. Advised that I must prov theft report. Dispute mailed to bureau on XX/XX/2020. Would like inaccurate inquiries removed.
Consumer complaint received 2020-06-25
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 applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (AZ)

I received a letter from Transworld Systems, dated XX/XX/XXXX that I owed a balance of {$810.00} on a medical bill. I called them at XXXX to pay the balance in full. They were unable to locate me by name, account number, or Social Security number, even though I game them the information on their letter. My wife had me call back again that evening with the same results. The account has now been placed for collections. I do not mind paying the bill, but should not be penalized with this on my credit report for 7 year because of their ineptitude. My wife has tried to pay a similar account with them, with the same result, This company plays games, and report to collection agencies before accepting money.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched Equifax Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING
Consumer complaint received 2020-06-26
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. (CA)

I noticed on my credit report that I had a couple fraudulent accounts on my credit report, I submitted a complaint here on this site, yet XXXX   claims that it wasn't me whos sent the information so they are not going to block the fraudulent items. How can I prove to XXXX that it Is really me who submitted this complaint? Why are they not blocking these fraudulent accounts?
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe them.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IL)

I have reached out to CREDITORS DISCOUNT & Auditors for Account XXXX from Now defunct XXXX XXXX in XXXX XXXX Illinois to inform them that these services were for my XXXX  XXXX  and they should bill her insurance. I have also initiated several disputes to no avail. The info was removed from one credit buearu and not the others.
Consumer complaint received 2020-06-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CO)

Faye servicing has indicated about a balance I owe on the property and due to covid I was having a hard time paying it. I am finally able to pay but FAYE will not pick up their phone or if they do they hang up or send to Voicemail ... .I am 3 days away from froeclosure according to the lender who has reached out to me. Servicing a loan can not be this bad where they push you to FC even though you want to pay and catch up
Consumer complaint received 2020-06-26
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. (MO)

Transunion, XXXX and XXXX  are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX