davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (SC)

Back in mid XXXX I attempted to make a purchase with my Bread Cashback XXXX XXXX issued by Cominity Bank. I inadvertently entered a wrong character and was immediately locked out of my card. The following day I called and was put thru to Fraud Department, the person was polite and informed me they would mail me forms to submit. I never received that mail, only an e-mail ( at the time I was on the phone with them ) to contact the fraud department. I received a secure message in my account on XX/XX/XXXX acknowledging my message to them with regard to my frozen card. On XX/XX/XXXX or XX/XX/XXXX I called again, this time I was politely instructed to send a copy of my drivers license ( front and back ) my social security card ( front and back ) and a utility bill or bank statement showing my name and address. I submitted my cable/phone/internet bill along with my D.L. and SS Card as requested via e-mail. I called them again this morning and kept getting an automated message telling me my account was closed goodbye. For the first time I was unable to speak with an actual person. VIA internet research I found a phone number for Fraud Department and called. I was informed that the bank closed my card because only gas, electric or water are considered utilities and I am free to reapply. I/we use well water so no water bill, electric is in my wifes name and we do not have a gas line. At no time was there any instruction of a utility bill and this is the first time I have ever been told that cable/phone/internet are not a utility. I did follow their instruction to reapply however I got denied for an existing account. I filed a complaint with the XXXX and am now seeking your assistance to resolve. Thank you
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (TX)

Hello, My wallet and all my personal information including my drivers license and my social security card were stolen in the year 2003 ( estimate ). I have reported the individual that was using my social security card fraudulently in the state of Georgia. I confirmed this information thru my local Social Security office. There are XXXX delinquent accounts that continue to appear on my credit report and they ( credit report agency ) does not remove it even after I have made several attempts to dispute it. At this time, I would like these XXXX fraudulent accounts to be flagged and/or removed from my credit report. I have tried to obtain information on the original police report that I filed here locally, but there system does not keep track of old police reports. I will have to resubmit a new one. Please advise. 
Thank you, XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

On XX/XX/XXXX I received a call from IQ data regarding collection matter. The representative XXXX proceeded to inform me of outstanding balance owed to previous property management company XXXX owned by XXXX XXXX  XXXX. I informed XXXX this is first time I hearing about this and it was fraudulent placed upon hearing the items. I had resided at XXXX from XX/XX/XXXX to XX/XX/XXXX. I had paid all my bills on time even during XXXX. During my residency I had caught the property manager placing fraudulent charges which would be fixed upon contacting thier law firm. During my stay there was numerous fraudulent practices including trying to raise my rent claiming they did not have lease in file. I provided lease they destroyed along with documentation for carpet and other things they never fixed. At this point it was clear this company that does fraud as business practice to destroying lease documents. I moved out on XX/XX/XXXX and have paid all my rent on time and confirmed it was XXXX balance with staff due to concerns of thier integrity and fraulent businness practice I experienced during my stay. I notified IQ data of this being deliberate fraud and send email documentation of my correspondence with XXXX upon my move out. 
IQ Data seemed not address the matter and threathend to place negative reports on my credit. I had contacted the Operator and Manager XXXX officer of company from XXXX XXXX and notified her of this being case of fraud and requested her to call me back. After XXXX  voicemail she did not return the call or address documentation provided proving falsied debt placed. 
On XXXX XXXX IQ data placed a negative report on my credit. I have XXXX credit and they dropped below XXXX on a falsified debt they are aware was fraudulent placed. I ask FTC to request IQ data  to remove fraudulent collection and look into criminal laws broken regarding fraud on thier client XXXX  as well as IQ Data for placing fraudlent collections. This us practice this company is assisting in fraud and helping XXXX extort money from past residents. This is white collar extortion for debt made up with any merit. I attached screenshot of charges the placed. The carpet was very old and was told they would replace it with hardwood like all othe apartments which was never done and than put this frivolous charges together along with tub refinishing for bathroom they were notified of issue going back XX/XX/XXXX which they never properly even fixed. This complex is going through renovations and I was living in unit they did not even change carpet out comparef to all the other units which were hardwood, its blatant fraud when are charging for things which were the responsibility to fix while was tenant. I was promised hardwood due old carpet upon move out and was first thing they had false promised on but than to see it placed fraudlenty as a debt is gross misconduct and fraudulent business practice they are doing.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Have not received miles for purchases that I made in XXXX! I should receive XXXX miles for restauarant purchases back in XXXX! It is now XXXX and I still havent received them. Every time I contact Amex I have been told they were issues pending/ they said this 3 months ago. And I still havent received a single mile out of the over XXXX miles I have earned.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I've payed my mortgage by phone for the year XXXX, after each payment processed through their automated system, a confirmation number is given. On XX/XX/XXXX I made my normal required mortgage payment and received my confirmation number. On XX/XX/XXXX while attempting to make my payment, I was informed that XXXXXXXX XXXX was late because they had not received XXXXXXXX XXXX payment. At this point, I requested through their automated system to speak to a live processing XXXX XXXX rep from XXXX named XXXX explained and confirmed that my XXXX payment was received on time and that all late fees had been reversed, the company admitted, it was their fault due to a new system they had implemented and all of the kinks had not been straighten out. She asked if I wanted to make my XXXX & XXXX payment on the phone with her, and was I prepared to pay for both months? I said yes, XXXX processed XXXXXXXX XXXX  payment once again, along with XXXXXXXX XXXX payment. After processing both payments, I was given a confirmation number. Fast forward to XX/XX/XXXX, I received a letter from Mr Cooper informing me that my mortgage is now XXXX XXXX past due and my loan is currently in default. This mortgage company needs to be investigated, as an XXXX XXXX XXXXXXXX XXXX I'm stressed and very confused regarding this matter, so any help your agency can provide would be greatly appreciated.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

XX/XX/2022 My bank rejected my payment of {$2300.00} because they didn't used my bank account number according to my bank. 
Interest charged on that payment {$44.00} + returned check charge or late fee {$25.00} Gave Comenity Credit card my bank numbers and thought it was fixed. 

XX/XX/2022 Sent payment {$3600.00} to cover the XXXX + more added to the my account after the XX/XX/2022 It bounced like the first time but I was watching and called Comenity Credit card and got it fixed. They still didn't fix my bank account numbers even though this would be the second time I gave them to Comenity Credit card. 

XX/XX/2022 submitted extra payment of {$98.00} and I had to call and fix it with XXXX Credit card. 

XX/XX/2022 submitted extra payment of {$120.00} to clear my credit card as I was giving up and going to let the card and Comenity Credit card see if they could fix things. The payment bounced and I called and they took the payment over the phone. 

I have always paid off my credit cards over the years with each bill. I never carried charges from XXXX month to the next. All of the extra payments were amounts for current purchases to clear the card. I no longer could keep getting put through the wringer and being treated like a dead beat. My personal Bank could not believe what was happening to me. I then canceled the card because I was advised that it looked like this company would never fix their error. The proof is they took over my XXXX XXXX XXXX XXXX card that I had for about 15 years with auto deduction from by bank each month and never a bounced payment. 

They also didn't let me take the {$66.00} points money from the XXXX card when they took over.
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I received a letter in XXXX from a company called XXXX. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to XXXX via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on XXXX was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with XXXX. My certified mail XXXX XXXX  was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. XXXX also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was Equifax. I XXXX also like to add Equifax to this complaint as well as XXXX. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to XXXX. XXXX did not indeed supply any proof like I have stated above. I have tried to contact Equifax several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted Equifax they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. Capital One credit card was opened XXXX XXXX, XXXX under my info. and I called Capital one on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The capital one agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. 

After 1 month or so, I noticed there was a significant balance on my credit report with a capital one credit card. And I start disputing with capital one. I submitted documents and police reports to different supervisors since I have to call them over XXXX times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, capital one insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with capital one. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out capital one never take care of it and put all the responsibility on the victim without any reason. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And capital one credit report significantly hurt my XXXX XXXX and my financial life, I am looking for law help to protect my own right. And capital one need to correct their fault immediately.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell you to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 
XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX GM FINANCIAL Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report. 
I request you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters. 
This copy must be provided free, according to 15 USC section 1681j. I request that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681 of the Fair Credit Reporting Act, Civil liability for willful noncompliance.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable. 

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (MI)

I keep getting bills from XXXX XXXX and throwing them away because I'm a qualified medicare beneficiary and can not be balanced billed. I have both XXXX and XXXX. XXXX XXXX paid the bill and any balance should not have been billed to me because it is illegal to do so. Today I got a letter from Meade and associates saying that they are trying to collect the debt due to XXXX XXXX XXXX which I'm assuming is XXXX XXXX since he's the one I saw during the service dates between XXXX XXXX of 2022. During this time I was a qualified XXXX beneficiary and I still am. They say I owe {$100.00} and when I called them they argued with me about it even though I said I was a qualified XXXX beneficiary they said I owe this debt. I'm on XXXX because I'm XXXX XXXX and this is causing me mental duress for no reason. The person I spoke to at XXXX was very rude and raised his voice at me insisting that I owe this debt. The phone number for Meade & associates is XXXX. They're located at XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The letter is dated XX/XX/XXXX of 2022. The bills I received from XXXX XXXX were thrown away so I don't have those. Every time I get these bills it reminds me of the time I was committed and XXXX XXXX was the worst XXXX ever and XXXX was a horrible experience for me. This is affecting my mental health and I don't appreciate it. I feel like I'm being harassed for no reason.
Consumer complaint received 2022-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (ND)

I have a HELOC with US BANK. I am participating in their hardship program. I have been in contact with US Bank for several months regarding my account. 
Earlier this year I informed US Bank I was going to apply for the HAF program as soon as it opens for applications in ND, where I reside. In XX/XX/2022 I applied to the program and was accepted pending mortgage statements from US Bank. I have requested mortgage statements on several occasions. XX/XX/2022 I spoke to a customer service rep requesting this information. I was transferred to a few different departments trying to speak to the people who could assist me. I was told my account couldn't be found but I would be connected with someone who could help. I contacted US Bank in XXXX and XXXX and was assured my statements would be mailed. I do not have dates for these calls. I called and spoke to an employee on XX/XX/XXXX and was again told the statements would be mailed. We discussed the HAF program, and I stressed the importance of submitting this final piece of information. On XX/XX/XXXX I contacted the bank again requesting my statements. Today is XX/XX/XXXX, after waiting for the day 's mail to arrive and no statements I decided to file here. USBank employees were all very professional and courteous, it just seemed like they were unclear on what department was doing what. I have been served with a summons and complaint for foreclosure. I was informed by US Bank that the summons was dismissed due to my participation In HAF. I am very fearful of losing this funding because of this paperwork and in turn losing my home. Thank You for your time.
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

My name is XXXX XXXX and I am a XXXX XXXX XXXX. I have been in repayment since XX/XX/XXXX, from at least XXXX through XXXX, I was with XXXX. I consolidated to XXXX  in XX/XX/XXXX to take advantage of the Public Student Loan Forgiveness Waiver since I have always been a local government employee since I graduated in XX/XX/XXXX, but was previously in wrong loan type for forgiveness. I submitted my forgiveness application in XX/XX/XXXX to XXXX. All of my employment was certified from XX/XX/XXXX to XX/XX/XXXX as eligible. However, they only credited XX/XX/XXXX and XX/XX/XXXX and then no other payments until XX/XX/XXXX ( covid forbearance ). When I asked why, I was told that my account was designated as being " in-school deferment '' for the period of XX/XX/XXXX to XX/XX/XXXX ( when I consolidated ). I was told by XXXX  that only XXXX could fix the problem. I called XXXX  and they said XXXX  had to fix the problem. I was not in-school at any point since XX/XX/XXXX. I have proof of regular standard payments made to XXXX  going back to XXXX demonstrating that I was on repayment status. ( as far back as their records went ). I also managed to locate bank records from XXXX which show my regular on-time automatic monthly payments for that year. I have form XXXX 's from XXXX and XXXX that demonstrate I made payments those years on my loans. I filed a complaint with the ombusdman too, but they say that my student loan account reflect I entered repayment in XX/XX/XXXX, which it does, so why are my payments not being counted? ( the account also shows that the status was not changed to " in repayment '' until I consolidated in XX/XX/XXXX ). My loans were transfered to Mohela in XX/XX/XXXX and I submitted all of my paperwork to them, including the proof of payments for all the months I had for XXXX and XXXX, and they marked it as a duplicate application and kept the count the had been submitted by XXXX.