davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Bread Financial Holdings, Inc. (TX)

The presence of an adverse rating on my account is of great concern to me. I am deeply troubled by its potential impact on my creditworthiness. This negative mark has already led to the rejection of a recent loan application and increased interest rates on my existing credit accounts. I can not overstate the severe financial and emotional strain this unfavorable rating has caused and will continue to cause until it is addressed.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX XXXXXX/XX/year>
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACCESS GROUP INC. (ME)

I took out two XXXX  loans from Access Group to attend my first year of law school from XXXX XXXX XXXX XXXX XXXXXXXX, approximately {$32000.00}. The Access Group loan was the only loan offered to me from XXXX XXXXXXXX XXXX XXXX although there might have been more favorable federal student loan options available to me. 

I have been in repayment for several years now ( since about XXXX ) and believe I missed one payment during that time. Nonetheless, my interest rate for this loan has the highest interest of any loan that I have, 8.607 %. I am also wondering why I have made about {$2500.00} in payments over the past few months ( far above minimum payments ), yet the amount I owe per month has not gone down much in comparison and my overall number of payments doesnt appear to have gone down much if at all. I want to review the terms of this loan and discuss those terms and possible modification options with the appropriate person. 

XXXX XXXX XXXX is the servicer of this loan. I contacted XXXX XXXX XXXX to ask about the terms of this loan and whether my interest rate could be lowered. XXXX XXXX XXXX said they only service the loan, I would need to contact XXXX XXXX to discuss the terms of the loan. 

There is no option on Access Groups website that I could find to call Access Group! No phone number at all! So I used the online option to submit requests for assistance on XX/XX/XXXX and XX/XX/XXXX. I asked for someone to call me back to discuss the terms of my loan and also for any and all documents and correspondence related to my loan. I also asked for a reduction of my interest rate based on excellent credit, payment history, and Access Group being the only lender offered to me at XXXX XXXX. However, now I also want information on whether my Access Group loan was or is subject to any federal lending requirements, whether for student loans or otherwise. I would think at a minimum Access Group must provide an option to communicate with their staff about my loan. This may also be a question for the Comptroller of the Currency, depending on the advice or assistance of the CFPB. 

Access Group has not responded to my two requests for calls and information that I sent on their website on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It is totally unacceptable for any lender, and particularly a student loan lender to not allow any option to call and speak with someone. And it is even worse when that lender fails to respond to written requests vis the ONLY way to communicate with that lender. 

Let me know if you have any questions. Thanks. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/XXXX, I applied for Servicemembers Civil Relief Act benefits from American Express but was denied. I provided supporting documents to reflect the current duty station as a key provision state, Louisiana. 

On XX/XX/XXXX, I applied for SCRA benefits but was denied again. Once more, I provided supporting documents and highlighted the State of Louisiana Statute RS 29:312, which reads as follows : XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. 296, 1, eff. June 29, 2005.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX, Tx XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX  XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX Bank XXXX Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX ( XXXX XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open XXXX ) Account # XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts in my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (SC)

on XX/XX/2024, I discovered that my credit card account has been compromised, resulting in unauthorized transactions that I did not initiate or authorize. I have already reported this issue to your fraud department in XXXX ( or wherever ) without success. For some reason no one could understand my issue. Apparently, someone changed the phone number and address on my account, which has since been canceled. Apparently I owed XXXXXXXX XXXX? on the card for a recurring charge. I never received the bill because this address had been changed and I was unable to long on to my account because it had been closed. 

Despite this, I was dismayed to learn that a negative report related to this fraud has been sent to XXXX, which has significantly affected my credit report and score. My score dropped XXXX points and therefor will be extremely costly in regards to future loans, etc.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: InDebted Corporation (CO)

I received a notice of a debt for money owed to XXXX XXXX XXXX. I do not recognize this company- if it was originally my debt it has been cleared and must be over XXXX XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX  my identity was stolen and all accounts from different companies started appearing in my credit report. I am unaware of all of these accounts. There are closed accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many more.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX Passport XXXX Consumer ID ; XXXX Early warning services XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX report. 

XXXX XXXX XXXX Bank routing # XXXX Account # XXXX Open Date XX/XX/XXXX Contribution ref # XXXX XXXX XXXXXXXX XXXX Bank routing # XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX BANK XXXX XXXX Bank Routing # XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX XXXX BANK XXXX XXXX Bank Routing # XXXX Account # XXXX Open Date XX/XX/XXXX Close Date XX/XX/XXXX I dont recognize the following account Above Question .I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my XXXX XXXX XXXX report immediately. I am attaching a copy of the report to this request.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2024, I filed a complaint with the Consumer Financial Protection Bureau about Barclay Bank. Complaint # XXXX. 

Barclay responded to complaint # XXXX with a letter about the late payment that I referenced as incorrect. That late payment reporting error was corrected. 

On XX/XX/2024, Barclay again responded via CFPB. They stated my Barclay card was closed on XX/XX/2024. However, I never received the letters in the mail, only via the Consumer Financial Protection Bureau portal ( which I didnt see until today ). That is my mistake. However, it still should have been mailed to me as well. 

Since my Baclay card ending in XXXX was closed, I called Barclay to request that closed letter and my final statement, in which the close date of that statement was XX/XX/2024. However, I have yet to receive that final XX/XX/2024 statement in the mail as of XX/XX/2024. The statement due date is XX/XX/2024, as I verified this via a call to customer service. 

I made repeated requests via Barclay customer service phone number for a copy of my final statement so I can pay the bill immediately. Every Customer Service person I spoke to, including managers, refused to provide me with a copy of that statement and claimed the statement was mailed. 

I called Barclay on XX/XX/2024 requesting my close letter and final statement. They mailed a letter stating I had a balance of {$39.00} as of XX/XX/2024. Barclay sent only a letter stating I had balance on my account as of XX/XX/2024 and sent me a copy of my XX/XX/2024 statement. In addition, I received a duplicate letter stating I had a balance on my account. I did not request my XX/XX/2024 statement, I requested my XX/XX/2024statement so I can pay my final bill. I still have not received my final statement ending XX/XX/2024. 

I have multiple recordings of the calls since XX/XX/2024 where I requested a copy of my final statement and the closed account letter. Barclay sent only a letter stating I had balance on my account as of XX/XX/2024 and sent me a copy of my XX/XX/2024 statement. I did not request my XX/XX/2024 statement, I requested my XX/XX/2024 statement. 

They also refused to allow me to pay over the phone. When they transferred me to collections. My bill isnt due yet. They said they cant discuss anything with me. Why would I have to talk to their collection department if my final credit card bill isnt due yet? My account is not past due. I should not have to talk to collections if my bill is not past due. 

I am requesting my XX/XX/2024 statement to be sent to me via the Consumer Financial Protection Bureau portal since Barclay refuses to mail me the statement.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) Only should be once, Chase bank has a limit of XXXX pull in XXXX month this was done repeatly. XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX ( XXXX ) only should be once, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I paid balance in full to avoid interest charges. I was told payment need to paid prior to XXXX XXXX XXXX XXXX XXXX to be timely. I requested interest waived, but XXXX XXXX for XXXX XXXX issued by Commenity Bank refused. I closed the account and was told to pay {$6.00} to avoid negative report to credit bureau. I paid {$6.00} XX/XX/year> and my checking account was debit XX/XX/year>. Then I receive a bill for {$14.00} = {$6.00} + {$2.00} = {$8.00} + {$6.00}. The billing cycle closes on the XXXX of each month. The statement didn't show I paid {$6.00} posted and account {$0.00} before the next billing cycle XX/XX/year>. The statement showed past due {$6.00} + {$8.00} fees charged. They threaten to report negative information about my account to credit bureaus. Late payments, missed payments or other defaults on your account. My account ends XXXX
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MA)

Chrysler Capital, XXXX XXXX, and its affiliates has aggressively breach the peace, by seeking Police Officers to trespass on my property without permission. Causing the situation to become hostile, through arguments, and blocking my personal space putting my safety at risk. Everything was done against my rights.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Advise Solutions Services LLC (FL)

I answered my moms cel phone. This person identified himself as XXXX from Advise Solutions Service, stating that my credit was reported for late charges and that he can provide solutions. I told him that I was not interested in their services, and he began harassing me. I told him to please stop harassing and to remove my moms number from their call list. He said that he will be calling every day. I then told him that I will report them to the FTC. Then XXXX continued to harass me. I kept repeating that I was not interested in his services but he kept harassing me. So I cant imagine if he or anyone else from that company harass my mom like that and so disrespectful.

The company name is Advise Solutions Services located in XXXX XXXX, FL.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular Puerto Rico, part of Popular, Inc ( the " Company '' ) charged fees for alleged insufficient funds after a representative suggested to move balances from one account to another under my name as part of a preventive measure to avoid unauthorized transactions, transactions that were also reported to the bank since they were done to a debit card and the bank has not addressed as of today as required by the Federal Reserve.

I am requesting the agency to assume jurisdiction over this matter.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TX)

I got this loan because I was going through a financial hardship it was XXXX I couldn't pay it the company reported to credit bureau with incorrect information I did dispute it they denied sending me paperwork they wrote off as a charge off I never received a letter or 1099c to add to my taxes I continue calling the company and location where debt is from and they told me I need to call another company they sold it to and I call them and they know nothing about my debt they are committing fraud for selling my information and refuse to send me 1099C they charged off the amount {$680.00} my loan was {$250.00}. I need this removed off my credit for noncompliance of the 3rd party company. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Sc XXXX acct number ( as listed on XXXX ) XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo approved provisional credit because cash app closed my account with out my knowledge I transferred my social security payment because my wells Fargo cards do not work and they won't fix it the transaction went through but I can not access my account when I sign into cash app it stated your account has been closed and returns me to lo g in I reached out to cash app the say the funds are not there I filed a claim with Wells Fargo and they provide credit now they reversed and my account is negative but I never had any access to the original ssi payment
Consumer complaint received 2024-09-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

On XX/XX/XXXX I went I to a XXXX XXXX bought XXXX vanilla gift cards but they was scratched off. I called vanilla about it they gave me XXXX case numbers. I emailed my receipt and front and back of cards to XXXX they said it be 30 days for cards to come in mail. I put {$500.00} on each card.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I have a numerous amount of charges on my credit reports from identity theft. Please help me! I have attempted to call each company nd even sent in paperwork that the FTC website asked me to send in with my request to remove, but to no avail. Please help me in getting these accounts removed from my credit reports asap, Thank you for your help.