davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (SC)

On XX/XX/XXXX I received a letter of Garnishment from my employer XXXX in regards to a company called XXXX XXXX ( Apex Servicing ) XXXX. This was a personal loan in the amount of {$1500.00}, and I never received any documents of collection or court order for them to garnish my wages. I reside in a state where court orders are required to file for a garnishment from these types of creditors. Also, upon review Apex is not licensed to apply wage assignments to the state in which I reside. The loan was taken out on XX/XX/2020 and they started garnishment on XX/XX/2020, and they are garnishing 15 % of my wages as if they are a student loan collector. Per the letter from my employer, the 15 % correlates to student loan debt. I did not get any notice or attempts of collection and the actions took place less than 90 days of the loan. I feel I was not given adequate notice or time to respond. The company refused to tell me the times they attempted to collect anything from. I would like for the garnishments to stop and the funds they took to be reimbursed to me. I would like to pay the loan directly to them.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

My son 's teen account was hacked. I provided proof as well as police report for the fraudulent transactions. On XX/XX/XXXX, criminals stole a total of {$1600.00} from my sons checking account. On XX/XX/XXXX, Wells Fargo returned {$100.00}. on XX/XX/XXXX, I recieved a letter that stated Wells Fargo " determined these transactions in question may be the result of fraudulent activity ''. Then on XX/XX/XXXX, a letter I received, from Wells Fargo, stated they decided to deny my claim. {$1500.00} stolen money has not been returned to my sons account. Evidence that showed my sons online digital card deactivated, device credentials compromised, and his contact information was changed had been forwarded to the Wells Fargo claims department.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OR)

I strongly believe that Comenity Bank is purposely not offering automatic payments in order to collect as many late fees as they can from their consumers. 

I have a Victorias Secret credit card provided through Comenity Bank. I hardly use this card, and when I do I always make my payments on time and or in full. Comenity Bank does NOT offer automatic payments and I have never been able to schedule more than 2 payments at a time. I missed forgot to keep scheduling the payments ( my ONLY card that doesn't do autopayments ) and it is now showing on my credit report as 30 days late. The late charge was refunded to me and I paid the balance in full, but they will not update my credit report.
Consumer complaint received 2024-09-11
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. (PA)

I am writing to express my continued frustration and disappointment regarding the unresolved disputes on my credit report. Despite my previous attempts to have numerous inaccurate and invalid items removed, it has become evident that TransUnion is failing to act responsibly in comparison to XXXX, which has already addressed and resolved most of these inaccuracies.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One reduced the credit limit on a card I held with them by two-thirds with no warning, because I don't use the card enough for them. I have been a customer for 9 years with not one late payment and I more than qualify for the credit limit I had previously. Reducing someone's available credit with no warning by {$20000.00} is not ok and should not be allowed in such circumstances. 

When I called Capital One, the only recourse I was given was to apply for a higher limit. A limit I was originally given by Capital One without having to ask. This request would result in a hard inquiry on my credit, which is also not ok. I ended up canceling the card.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

Date : XX/XX/XXXX To : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX From : Confirmed Successor in Interest Re : Error Resolution Notice under 12 C.F.R. 1024.35, 12 CFR 1024.38 ( b ) ( 1 ) ( vi ) ( B ), 12 CFR 1024.32 ( c ), 12 CFR 1024.34, 12 CFR 1024.17 Mortgage Loan Number : XXXX   I am writing to request a correction of the error described below in regard to the mortgage on my property. On XX/XX/XXXX, I paid off this debt. 

Surplus Escrow Payment Errors : Your company incorrectly paid/handled the surplus escrow payment. The check was incorrectly addressed. The check or the payment of surplus escrow funds was sent on XX/XX/XXXX. 
The check was written payable to : " The Estate '' The check should have been made payable to : the Confirmed successor in interest. 

The XXXX Servicing Rule establishes definitions of successor in interest and confirmed successors in interest, and provides that the latter are considered borrowers for the purposes of Regulation Xs mortgage servicing provisions. 
Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to Subpart C of Regulation X. 

Note : As of XX/XX/XXXX, a servicer must treat a confirmed successor in interest, as defined in 12 CFR 1024.31, as a borrower for purposes of 12 CFR 1024.17. 

Thank you for your assistance.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I could add money on the XXXX card and then load the money to my XXXX account for my daily spend. But I did not notice the pin has already been scratched when i purchased this card and in this case the money load will directly go to the first purchaser who originally scratched the pin and loaded some money. And this happened at the XXXX store.After I went home, I found that the pin was scratched and called XXXX card and I immediately called XXXX to file a dispute. They have identified that it is a fraud and has requested XXXX to suspend the XXXX account of the original purchaser of this card and instructed me to file a police report to further get my money back. 
After I filed the police report and the officer who was in charge told me that he contacted XXXX and XXXX told him they would not disclose any info unless there was a subpoena. 

Again, I filed a dispute regarding this with my XXXX card which I used to make the purchase but it was denied due to the documentation provided by XXXX that it was activated. Yes, it was activated but the money went to the theft who put the used XXXX card in the first place
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

I opened my Free Checking and savings account online on XX/XX/2020 under an offer to receive {$300.00} after completing the following steps : " Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account '' There was no place to enter a promotional code or any other indication that I would not receive the bonus as promised. 

I made the 10 debit card transactions and it has been 120 days since all requirements were met ( XX/XX/2020 ). The banks terms said I would receive the bonus within 120 days. I have contacted the bank and they did not respond either way about this bonus.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Alliance One, Inc. (LA)

AllianceOne the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$1300.00}. AllianceOne is in violation of Title 15 USC 1693e. ( 1 ), ( 2 ) ( a ) ( b ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts AllainceOne may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.
Consumer complaint received 2022-01-30
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-18
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. (OH)

I mailed letters to all 3 credit reporting bureaus ( XXXX, XXXX, Experian ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.
Consumer complaint received 2020-08-18
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)

The 3 Credit Bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/20 I deposited a check from a settlement through the drive up window with a teller. Before the check was deposited I was advised that a hold had to be placed on it until XX/XX/20 and this date is also on my deposit slip in which I was fine with because I feel like it was protocol. I have now received an email stating that the hold is until the XX/XX/20 in which I did not agree too and none of my funds are being made available in the mean time
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is constantly placing an account that I have disputed numerous times on my credit report. I do not owe this amount to XXXX XXXX XXXX. I did not break my lease. This is an inaccurate account with unauthorized charges on my credit report. I have filed a complaint with CFPD and still have not received any information from Experian regarding my complaint.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (AL)

XXXX  XXXX  convergent outsourcing XXXX opened XX/XX/XXXX reported XX/XX/XXXX amount {$1100.00}. I had emergency to come up where I had to move immediately. I packed of XXXX XXXX  equipment and contacted them and told them to come pick up the equipment at the location in which it was installed. They said they would come pick it up but never showed up. I contacted XXXX XXXX again and told them i have the equipment packed for someone to please come out and pick it up off the porch because I have to leave the location due to an extreme emergency they agreed. From my understanding they were suppose to come and pick it up and if they didnt it is on them for agreeing to pick up their property on time.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Wise Recovery Solution LLC (NY)

Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. XXXX XXXX XXXX approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called XXXX XXXX XXXX again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted XXXX XXXX XXXX to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with XXXX XXXX XXXX, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (FL)

After becoming very sick and hospitalized for several weeks, I missed a payment and fell behind. Soon as I was able I reached out and attempted to make arrangements to get caught up back in XX/XX/2020 to the best of my knowledge. I was told on a recorded line, that if I was able to arrange to pay at least {$410.00}, that my account can be arranged to show current and add the missing payment to the end of the loan, Even after I made my payment as agreed, Flagship Credit did not do what they promised. I remained behind even after making a payment as agreed. Denied without any explanation. 

Daily harassing phone calls multiple times a day starting before XXXX daily. I never got any communication ( email, phone call, letter in the mail ) of denial, NOTHING. When I asked, I was told " your request was denied ''. Nothing more. 

In XX/XX/2020, I received yet another round of harassing calls, one of  which from a self described account manager named only XXXX. XXXX again, made a payment agreement with me to pay {$410.00} in XXXX for XXXX payment and he would roll XXXX and XXXX payments to the end of the loan making my next payment due XX/XX/2020. Again, I kept my word, made payment as agreed and FLAGSHIP CREDIT, again, failed to do what they said. The daily calls before XXXX several times a day continued. I attempted to contact XXXX, but my calls went unanswered, until first thing this morning. XXXX calls. When asked why his agreement ( AGAIN ) was not kept. XXXX simply said,  " your request was denied ''. 

XXXX XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted Transunion related to a HUGE drop in my credit score for NO REASON.. The outsourced guy in XXXX even sounds SHOCKED score randomly dropped 58 points in 1 day! then tells me if I want copy of my report which shows how they dropped score I need to PAY {$10.00}! To illustrate how arbitrary it is my husband had exact same credit crad bill charge and paid in full NO DROP on his card. Your CFPB guidelines copied here advise consumers to pay in full each month been doing so for 40 years Never this kind of problem ..The drop happened just because of the 1 charge on a bill which with other charges did not exceed at all the 30 % rule you advise ... So why does the Transunion guy tell me BEWARE when the lender soon reports I paid balance in full me the score can drop LOWER?? So here is CFPB guidance for me and others -- does CFPB hold reporting agencies accountable when the parameters are violated? 

" Pay your loans on time, every time. One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If youve missed payments, get current and stay current. 
Dont get close to your credit limit. Credit scoring models look at how close you are to being maxed out, so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You dont need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores. '' I follow all of this..please help me and others from being victims of these reporting agencies
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

XXXX XXXX University did not provide any accommodations as a XXXX student and stated that there were no accommodations for online students because they were studying at the comfort of their own home. They stated that the only accommodations available were for on-campus students. After delegating with Mrs. XXXX XXXX, a XXXX specialist, she promised to send a certificate of XXXX document. She never sent it and when I questioned her, she admitted that she forgot to send the document. Because of the lack of competence and care for minority class students, I have a debt of over XXXX that XXXX has been harassing me over. The debt was caused by them after urging me to withdraw from my classes. They did not care that this would affect me negatively. After I conceded and withdrew from my courses, XXXX reported me to the Education Department for fraud. This has caused serious complications in continuing my education. I have been denied access to education by XXXX University, XXXX University, and was put through a very arduous process due to this false statement and accusation. Because of this label, the FSA and its employees have mistreated me and abused me verbally. In recent, I spoke to a woman who verbally spoke to me in a violent manner. I felt threatened by her demeanor. XXXX did not protect my rights as a student and a protective class. They did not implement any affirmative action on my behalf and subjected me to more harm than good. I not only have a large debt but the debt prevents me from getting any private loans like the Grad Plus Loans. I was recently denied and needed an endorser. Given this ordeal, I am requesting a fair resolution below.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

There are inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America informed the credit agencies under my credit history that my VA mortgage went into repossession or foreclosure. I paid off my loan with the sale of my house in XX/XX/XXXX. I challenge Bank of America in XXXX of XXXX when I was trying to qualify for a XXXX loan. BOA did not make a correction at my request, and sent me a letter dated XX/XX/XXXX.