davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

This card is XXXX and is essentially a XXXX card and issued by Commenity Bank. I got it when I needed XXXX  XXXX. It has special promotion that gives 24 months in which you make continuous payments of at least a minimum amount and if paid off in full by the end of that time then you owe no interest. If you do not pay it off during this time or miss monthly payments then the high rate interest is added to your account. My payment was due on the XX/XX/XXXX and I did make the payment on the XX/XX/XXXX for more than the minimum amount. For months I have had issues with website making payments and they have an early time and when I finally got in the website there was hours left of the XX/XX/XXXX but the payment date refused to allow me to post for anything but the XX/XX/XXXX. I tried to call before posting the payment and got a message we are closed call back during business hours. I didn't want to delay payment so I made the payment and immediately emailed them explaining the issue asking for the late payment to be waived and I got a message back it was waived last month and that it will not be waived again. I messaged them back asking for corporate information and explained that I have had issues for months with trying to pay the bill and have asked for tickets to be put in but I have never gotten a call and got a message back saying there are issues with the website where sometimes you cannot access it and make payments if using XXXX  and they would not waive the fee and future use another browser. I replied back saying that if I had been told this months ago there would be no issue and it would have fixed it and that due to the known issue on their part the fee should be waived and also the website should have a disclosure to tell people so it can prevent this from happening. I am still getting a refusal to waive the fee. I called corporate and the person that took the complaint said she understood the issue with XXXX and agreed she had personally experienced issues and she would research and see if someone could call. I got a call and they said that they forwarded it to the bank since the bank handles the card and XXXX has no access. I told her this was unacceptable putting it off and back to customer service and she hung up on me. I am asking the $XXXX fee be waived and if they cannot fix the issue for accepting payments from XXXX  that a notice be included on their website that stops others from being charged all these access fees as they know most people won't continue to fight or take it to the government for review since it seems like a ploy by them to get extra money and look for reasons to charge all that high interest building up that they lose when balance is paid before 24 months is up.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After already being caught failing to run disputes to FCRA reports Transunion has now shown they are partially submitting information so that it can not be verified correctly. 
My full address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In the attached photo can see Transunion has intentionally reported a partial address. This comes after they have allowed unauthorized inquiries and failed to resolve many credit issues that have been reported
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NJ)

Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny.  So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks.  Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents.  But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.)  I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire.  Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials.  I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.
Consumer complaint received 2017-09-28
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: AmeriCollect (WI)

americollect DID NOT EVEN SPEAK ABOUT THE REASON I SUBMITTED THE FIRST COMPLAINT TODAY. XXXX?!? ARE THEY EVEN READING WHAT I WROTE? AND YOU GUYS CLOSE MY COMPLAINT BECAUSE THEY SENT A LETTER THAT HAD NOTHING TO DO WITH WHAT I WAS COMPLAINING ABOUT. I HAVE PAID OFF THOUSANDS OF DOLLARS IN MEDICAL BILLS THAT WERE IN COLLECTIONS AND THEY WILL NOT UPDATE MY CREDIT REPORTS!! 3 OF THEM. 

WHAT ARE YOU GUYS GOOD FOR? YOU DO N'T EVEN MAKE SURE THEIR RESPONSE IS IN DIRECT RELATION TO THE COMPLAINT. WASTE OF TIME HERE!!!!!
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I have tried numerous of time to settle this fraud issue with Citibank about my checking and savings account and XXXX XXXX, whose phone number is XXXX failed to contact me to resolve the issue. He did not look into this fraud activity nor did he call me back to discuss the solution Citibank was willing to do about my account. I filed police reports in regards to this matter and still have not heard nothing from the bank. I am tired of the run around I receive from this institution and demand he be fired and my account becomes unblocked for daily use. This account has been blocked for over six months now in regards to this issue.
Consumer complaint received 2023-10-12
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. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
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. (SC)

Transunion has failed to provide me the documents their company used to provide verification of the accounts I disputed. They have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed. Thank you in advance for resolving this matter as soon as possible
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

The latest incident happened last month, around XXXXXXXX XXXX XXXX when the bank Wells Fargo, posted a charge to my account but with no phone number for the company that the XXXX., {$49.00}, was sent to. I am disputing the charge because, although the merchandise was delivered, it was of such poor quality and not actually a sweater, as described and pictured, but more of a cheap jersey material. This item was meant to be a gift for my wife but is of such inferior quality that I would be embarrassed to give it to her or for her tow wear it. The problem is also that this, problem, i.e., charges with no phone number and, often, a merchant name on the record of the charge that does not match what was online, making it very difficult to be certain that it was actually a transaction I attempted to make, much less one that, if necessary due to a problem such as size, quality, wrong color, etc. could be resolved. Banks are handling our money and I don't think it is too much to expect that, before they give funds to a merchant, the merchant be required to provide contact information, a physical address in the U.S. where, if needed to resolve issues, that could be accomplished. If that info. can't be provided then legislation should be passed prohibiting financial institutions from allowing charges from such firms.
Consumer complaint received 2017-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MN)

Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account. 

The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: CREDICO. INC (SD)

I faxed as well as supplied the clerk of courts in XXXX county XXXX XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received XXXX letter from them at the correct address which was valid up to XXXX XXXX, XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating XXXX laws.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My name is XXXX XXXX, I am an elderly woman, after my husband died 2 years ago, I appointed my son, XXXX XXXX, as my Power Of Attorney. My son has brought to my attention some very disturbing information about the mortgage my husband had with XXXX XXXX Bank. 
XXXX has worked very hard to get information regarding the loan from XXXX Bank, who claims they own the mortgage, but they have yet to answer our questions. Unfortunately, XXXX Bank claims that my son has to deal with SLS, even though it is XXXX that is suing me. 
This has all become very confusing, my son says he cant get the information I need to defend myself. XXXX and SLS are running him in circles. XXXX is asking for a " summary judgement '' against me, and we have n't even had our questions answered yet. SLS and XXXX are stone-walling us at every turn. I have applied for a loan modification through the XXXX program, but so far with no success, because XXXX and SLS are asking for my personal information, which I will not give out, until they provide me with proof that they in fact do own the loan! 
please help me, I do n't know what to do next. 
XXXX XXXX
Consumer complaint received 2022-01-09
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. (KY)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (DC)

In the past XXXX months, I had signed up for a CITIGOLD Checking account through a promotion where I was to receive XXXX Thank You points from CITI by XX/XX/XXXX. This promotion was under promotion code : XXXX. The promotion required me to meet some basic requirements, which I clearly did and this was confirmed on multiple occasions by CITI Gold phone representatives. The promotion was confirmed on multiple occasions over the phone. In addition, my wife XXXX XXXX also applied for the same Gold checking account and the same promotion. She has received her points. 

In addition, I was clearly told that this account had XXXX monthly fees. I was told there was no minimum balance requirements etc ... no monthly fees at all. 

Now Citibank is telling me I did not sign up for the promotion and I just noted that they have charged me {$30.00} for the last three months, totaling {$90.00}!!! 

This is fraud and is not correct. I have been a Long time CITIBANK customer and this is flat out wrong. This needs immediate correcting.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been working with XXXX in respect to a loan modification with my lender Wells Fargo for a few months now. I have submitted all my documentation and yet Wells Fargo keeps asking for the same information or stating that additional and more extensive paperwork is needed in order to review my file. They have all the documents they needed and yet are refusing to postpone my foreclosure sale scheduled for Monday XXXX XXXX, 2016 and are violating my XXXX Rights. I feel as though they are playing this run around game and forcing me to have to go through foreclosure and sell my home. I feel they should postpone the sale and allow me time to be fairly review for foreclosure alternatives. Putting a foreclosure sale and forcing a deadline when they have everything they already need is completely unfair and causing stress and anxiety to my life.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

SLS customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe XXXX months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last XXXX cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me XXXX. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-03-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (MI)

Someone took over XXXX from my rush card account. I dont how exactly but i know my money is gone because of a scammer. I never provided nobody with my personal information to my card and i notified my card company in a reasonable time frame and now they are refusing to return my hard earned money. I am XXXX with a XXXX year old daughter with a mother thats not around. Pleaseeee i neeed some help sooo bad because they wont return my insured money threw their bank. I never made none of the transactions on the dispute form and cameras from each location of every unauthorized transaction is my proof.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (TX)

During Covid I went through financial hardship, resulting in late payments to my Amex credit card. They gave the account to XXXX XXXX XXXX to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with XXXX over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXXXXXX XXXX XXXX XXXX Request '' from XXXX XXXX XXXX, representing Amex, claiming that I still owe {$3900.00} I talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to Amex. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, Amex has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from Amex about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.