davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 I sent written communication to Comenity Bank/Victorias Secret dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Comenity Bank/Victorias Secret dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Comenity Bank/Victorias Secret sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Comenity Bank/Victorias Secret communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires  Comenity Bank/Victorias Secret to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Comenity Bank/Victorias Secret provided none of the above. Comenity Bank/Victorias Secret continue to report  unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Comenity Bank/Victorias Secret has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
Consumer complaint received 2020-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have my mortgage through PHH since 2003 and have always had my taxes escrowed. Never any issues until now as I recieved notice from the courthouse early XXXX that my taxes were not paid ... contacted PHH several times and they give me the run around ask me to fax that letter from the courthouse which I have now 4 times each time they say they didnt receive it and wont help me.
Consumer complaint received 2020-03-23
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 (CA)

On XX/XX/2020 I sent written communication to Avant dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Avant. they did NOT meet the requirements of FCRA 623/FACTA 312. I made  a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Avant communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Avant to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Avant provided none of the above. Avant continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Avant has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Avant dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.
Consumer complaint received 2020-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

Due to the recent COVID-19 guidelines, I was forced to close my XXXX. I reached out to American Express on XX/XX/ to ask if I could lower my monthly payment or have a reduction in interest. I also suggested I transfer the balance to a different card with lower interest and was told I could not do that. It is common for me to spend 10-20k on this card in a month, on behalf of my XXXX, and I have always paid it in full monthly. I have never had a late payment with this creditor. The representative refused to work with me and kept responding with the interest rate of nearly 24 %. I asked if I could speak with someone else regarding the situation and was then disconnected by American Express.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XXXX, XXXX, XXXX XX/XX/2020 American Express charged me {$5000.00} in prepaid annual fees for the upcoming year of 2020. On or about XX/XX/2020 American Express terminated my credit card, refused to refund my annual fees and kept my {$10000.00} in plane ticket rewards. After speaking to XXXX XXXX, rep for amex, XXXX ext XXXX she explained to me she didn't like my XXXX videos I made, exposing ways to receive their hard to get credit card. She also said she did not like the fact I sold my additional user on XXXX. I did not violate any terms in our user agreement. Before selling my additional card on XXXX I asked a Amex rep if I could give anyone I choose my additional user card and they said yes. I then received a letter from her saying the reason they terminated my credit card was, I violated the terms by using it to buy personal items. I did not violate the terms. I had saved my reward points for 15 years and they were worth one $ XXXX in plane travel. I feel I have been unfairly taken advantage by American Express. I have called many times and wrote a letter to try and get a resolution to this matter and have been unsuccessful.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (FL)

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 

To date, I received a deposit of {$900.00}, and have had XXXX bi-weekly withdrawals of between {$310.00} and {$230.00} debited from my account. This results in a principal balance of {$1900.00}. This results in an overpayment of {$1000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$1000.00} overpayment. A refund check of {$1000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Today XX/XX/20 I get a statement from citizens one bank and it showed a balance of {$800.00} ( 2 months payment ) Ive been making payments on time and Im trying to figure out why it is showing 2 months payment due and one being late? I was able to review the last few payment from my deposit account and the last one XX/XX/20 payment was made for XXXX and a payment around XX/XX/20 for XXXX. My payments are due on the XX/XX/XXXX of each month, so Im not understanding why it is showing late. I called today and say on hold for OVER 45 minutes for someone to pick up the line and hang up. I figured maybe if I report my issue Ill get a answer to my problem.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I have wells Fargo XXXX XXXX XXXX card ending in XXXX. 
It has cell phone loss and repair protection plans. I am using this card to make payments for my monthly wireless bills. During XX/XX/2019 - I lost my XXXX XXXX phone. 
I reported this incident to this credit card company - some loss prevention program etc ... 
Till now i haven't got money for the cell phone that i lost even after doing all the paper work.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Checking account with Bank of America was compromised on XX/XX/ and XX/XX/2020. Someone hacked into my account and sent themselves money through " XXXX. '' I did not authorize this transaction for {$3400.00} to be sent to someone I don't know. I filed a claim with Bank of America, and it was denied because supposedly someone had to have authorized the transaction through my phone. They also tried to send themselves money through XXXX, luckily I caught it in time and Bank of America froze my account and stopped that transaction. My money is supposed to be protected through my bank whom I should trust, but I feel violated and angry that my bank is not issuing me back money that was stolen from me. I have also filed a police report to help solve this.
Consumer complaint received 2020-03-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NJ)

I'm a victim of an illegal foreclosure. 

I'm supposed to evicted on XX/XX/2020 Attached is the illegal process that have taken place. Also attached is sheriff deed and statements from the attorney 's. No one will submit proof that my house was paid for at auction or any time afterward. The only statements that the attorney 's and sheriff will say is that a highest bidder won the bid. I've requested proof from the sheriff and the bidder that my house was paid for. So far as up to date no one has submitted proof or signed a certified affidavit to verify that my house was paid for.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

In XXXX, I purchased a large item from XXXX XXXX. Comenity Bank is their finance company. I made regular, on-time monthly payments toward the purchase. 
On XX/XX/XXXX I sent a {$200.00} payment to Comenity, ; check # XXXX. 
I received a bill from XXXX XXXX stating that I still owed the {$200.00} along with interest charges and a late fee. I called and spoke to someone in customer service in early XXXX and wrote a letter on XX/XX/XXXX stating that according to their customer service rep, that they show no record of receiving the payment for {$200.00}. However, I explained in the letter that I checked with my bank and the check cleared on XX/XX/XXXX through their bank. I asked them to please remove this owed amount from my account including the added interest charges and late fee. 

On XX/XX/XXXX I received a letter that they are looking into my claim. I sent them documents as proof of the deposit i.e. copy of both sides of the check, the routing # 's etc. 
They sent me a letter dated XX/XX/XXXX that they were unable to verify that the bank had received these funds and that they have concluded their investigation. 

I sent them a letter on XX/XX/XXXX demanding that they figure this out. They sent me a letter on XX/XX/XXXX stating again that the investigation has concluded. 
They proceeded to send me a bill for {$260.00}. 
On XX/XX/XXXX I sent a payment for {$67.00}, the accrued interest which I did not owe, in the hopes that they might leave me alone about the original {$200.00} that I had already paid. 
Since then I have received frequent texts, emails and another bill as of yesterday in the amount of {$200.00} as my total balance due. {$200.00} is the original amount I had already paid and now they are still asking for the {$200.00} and more interest charges. 
I will be glad to provide you with all documentation required if needed.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Last 4 digits # XXXX When this card was under XXXX i struggled, i contacted them through mail so many times, i got rid if my phone and it was only way, they worked with me a bit but i work a XXXX  job we have a few unpaid vacations so i tend to fall behind. Well new company took over and i been writing them, i need help, any help i could get. I've been thinking about filing bankruptcy or doing a debt consolidation because i can not afford these payments. But reason for why I'm writing today is because of the Corona Virus i have lost my job and im begging this company to please work with me because i have no money st this time
Consumer complaint received 2020-03-16
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Consumer complaint received 2020-03-16
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. (NY)

the accounts showing incorrectly on my credit report I had nothing to do with, I am a victim of identity theft, and this complaint is not made in error
Consumer complaint received 2020-03-20
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. (LA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX XXXX XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX XXXX XXXX