davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

My name is XXXX XXXX. I bought furniture from XXXX XXXX through opening their store credit card ( comenity bank ). I was enrolled in 48 months promotional interest free plan. Before the promotion end I made all my payments on time. My promotional plan was ending on XXXX XXXX and I made all my payment by XXXX XXXX. 
On XXXX XXXX I made one payment of {$200.00} online and tried making another payment of leftover balance of XXXX but the system was not accepting. I called the XXXX credit card and told them I am trying to make a payment online but system is not taking so I was told you can only make one payment a day online. Then I told the representative that I want to make a payment which I did over the phone with the representative. On XX/XX/XXXX I checked my bank account and saw that one payment of {$200.00} was withdraw but the other payment I did over the phone with the representative is not showing up. I called the XXXX XXXX  credit card customer service and inquired about the situation and was told that their representative did not enter the account number right which is why the payment is being returned. I told them I want to make a payment again but they told me the system is not letting them accept the payment. I asked them if I can go to any of their store and make a payment and was told I can try that. I called the XXXX and XXXX XXXX XXXXXXXX XXXX store and inquired them about accepting payments in store. I was told they do not accept in store. Finally on XXXX XXXX the balance reflected back into my account with the return fee of {$23.00}. I did my payment right away of XXXX and called them to reimburse me of {$23.00} of return fee as they promised they will credit that and all the interest if they happen to charge me which they did. I called them today again but did not really got any help. I am in so much stress that it cant take good care of my family. I have XXXX kids. They are causing me a lot of stress even though I did all my payments on time. 
My phone number is XXXX Please call me and do reply
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (AZ)

I use Zelle between family members. Usually my husband and sister. On XX/XX/XXXX I received {$80.00} from a complete stranger. There was no reason for this person to send me money. I reported this deposit to Zelle as fraudulent. I assumed ( silly me ) they would take care of this. On XX/XX/XXXX my husband tried to Zelle me an amount for household purchases. It would not go through and my account comes up restricted and I should contact Zelle support. I did so. I was kicked up to level two support and XXXX from Zelle read me a script about how I agreed to Zelle terms of service when I opened my account and that my account was restricted because I " violated '' one of the TOS. XXXX refused to tell me what TOS I had violated, or how I had violated them. She said this is a permanent restriction. I was treated like a criminal! This is absolute nonsense, very discriminatory and unequitable treatment. Please investigate Zelle and other similar companies for these discriminatory and unequitable policies.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner sent presentments to my address regarding a debt I do not owe. I have never entered into any contracts with Caine & Weiner. Therefore, I am not liable for any debts with the company and the company 's actions are false and misleading. False and misleading representations are a violation under the FDCPA. The company has furnished the false and misleading information to XXXX XXXX, XXXX, and XXXX. The furnishing of this alleged debt information is damaging my credit reputation and causing me to be denied credit for personal, family, and household purposes.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CT)

Term : Revieve {$320.00} bonus when you open a new checking account and direct deposit {$1000.00} within 90 days XX/XX/XXXX Account was opened XX/XX/XXXX Terms were met XX/XX/XXXX I went in branch in XXXX, CT we hear the bankers would tell me my bonus would be deposited by closing of my statement. 

XXXX closed, no bonus deposited On XX/XX/XXXX I attempted to contact Wells Fargo again. The phone representative gave me a code to redeem my bonus in branch for cash. The agent had no clue what they were talking about, Wells Fargo only direct deposit its bonuses into your account. 


I am now writing this complaint to get the bonus deposited into my account.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

My mortgage loan/account has been transferred to.SPS ( Select Portfolio Services ) a couple of years ago. 
I had been granted with 1 to 2 years of the ability to to pay mortgage due to Covid 19 pandemic. 
I paid the amount back when I was granted with the payment arrangements after 2 years of not paying mortgage, and successfully made all my.payments through. 
When it came up to a Ballon payment, company requested me to request an assurance and submit the application.with all documentations required. I did it all and they still were not fixing the situation as making a payment arrangements by saying consistently that something still needs to be submitted. 
Finally, it came to the point of me owing the amount of XXXX XXXX dollars to be paid, which was sent to SPS by mail as 3 checks, making a payment if XXXX. It had been sent on XX/XX/XXXX. They said deadline for quote is XX/XX/XXXX. 
Mail was sent as certified mail through USPS which was not taken by right people, and mail had been delayed due to a mistake. 
Due to being behind the deadline, I canceled 2 checks ( XXXX XXXX ), and other one was issued through XXXX XXXX, which needed to be stopped by my son, as it was through his account. My son was told that it had been applied as a stopped payment and he had payment reversed the second day. 
So I went and submitted a wire payment of XXXX XXXX on XX/XX/XXXX to the account they had instructed to. 
Through the whole time, me and my friend and I were calling SPS, which, as they said were making notes and recording my communications for security purposes, and asked the representative of SPS not to touch the mail of 3 cashier checks as they were reversed into wire payment which was received by SPS on XX/XX/XXXX. 
They promised that it won't happens. 
Yesterday, my son 's account had been charged by SPS, and after calling 4 times to SPS this morning and talking to multiple individuals, we got an answer that the mail was posted to my past due balance, and wire to my principle, but the other representative said ot was done vs versa, and payments were received at different times, as wire was received on XXXX, and mail on XX/XX/XXXX. 
Besides everything else, it us went to all odds and I can not go on and on anymore as it is very overwhelming. I need assistance ASAP. 

Please contact me at XXXX. 

Thank you beforehand for you consideration. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (IL)

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( XXXX ) ( A ). In addition to the Violation above pursuant 15 USC 1681ia ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Credit Control LLC The above Account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts. 
( XXXX ) Notice of results of reinvestigation ( A ) In general The erroneous status of your credit reporting records and methods is/are unacceptable and is causing me hardship. 
Pursuant to XXXX XXXX, XXXX XXXX of the United States XXXX, I formally request the following documentary evidence pertaining to this account : XXXX. A copy of the original credit application showing the terms of the agreement. XXXX. Original documentation used to compile a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. XXXX. 
Copies of all original documents and financial instruments that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureaus above in concern. XXXX. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. XXXX. Copies of all documents sent to me regarding this account.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc. (IN)

On XXXX I was deposited {$100.00} into my skrill account. I then tried to make a transaction for {$10.00} withdrawal to my bank and another transaction for {$90.00} to the same bank. Both were denied by XXXX XXXX within minutes. I tried contacting this skrill all weekend and was sussesful on XXXX around XXXX central. I was advised that I would have the transaction cancelled and refunded to my account on Monday XX/XX/2024. I then contacted skrill on Monday XXXX, 2024 at XXXX central to ask if this could be resolved? Considering the {$10.00} transaction was resolved by XXXX on XXXX. However the {$90.00} transaction has not been. When asked I was told they didn't know why but they'd look into it and get back to me by email. I received an email on XXXX at XXXX stating that it had been resolved. In fact, it has not and they can not tell me where my {$90.00} is. All I want is my money to be refunded. I feel as if I've been scammed for the {$90.00} and they will not let me open another ticket on this matter. Where's my money?
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've been sending Experian Letters regarding these 's accounts they haven't been compliant at all this is why I am seeking help regarding this matter. I sent this letter which is attached below, with their response to my last letter. 

If I can't get the following requested information, then I demand these accounts to be DELETED WITHIN 3 BUSINESS DAYS AND SEND ME A COPY OF MY CONSUMER REPORT!
Consumer complaint received 2024-05-20
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ProCollect, Inc. (TX)

In 2017 I was living in a town home that flooded due to a broken pipe from dishwasher under kitchen sink. I called the apartment people and they would not come and fix the issue. My mother had passed away and I had her things from XXXX I did not want damaged I advised the company that I was moving out I brought them the keys and they put I owed over {$2000.00} to the company they sued me without my knowledge. And then sent to collection agency Pro collect which I do not owe the debt. Ive been fighting with them over this and they will not rectify the debt. Im 100 % XXXX and trying to get into a XXXX and above living but cant because this debt is following me where ever I go. Please help to fix this issue that is not my doing
Consumer complaint received 2024-05-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (FL)

This Comenity account is showing on my credit report as the last stepping stone of fraud prior to what appears to be a fraudulent life insurance policy in my name thru XXXX XXXX XXXX. This bank shows on my XXXX dispute of an address I never lived at that I disputed the date for 'Comenity Bank XXXX XXXX is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX inquiry shows XXXX XXXX XXXX.

I reported this to the FDIC however I lost access to the email address I used to file the complaint ( XXXX ) Please inform me what's going on with this cause it looks like this is a credit card or checking account that was used to make a fraudulent life insurance policy in my name, ironically right before everywhere I go weird nefarious things have been occurring.
Consumer complaint received 2023-08-24
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: CBC Companies, Inc. (TX)

XX/XX/2023 Innovis is reporting inaccurate address that does not belong to me. I just got off with manager XXXX refused to correct my address defaming my character. She instructed me make sure credit agencies have my correct address, which they all do but Innovis. She instructed me XXXX XXXX and XXXX have another address, which is false because they have my correct address. I informed her everyone has my correct address but a Innovis. She still refused and wants me to send in a letter, with documents which is upsetting because I have no driver license and cant get to the POST OFFICE, She refused to give me her last name, and ID number, I respectfully file this complaint to get this matter resolved. Unbelievable Phone call with XXXX at XXXX XXXX central time on XX/XX/2023. Innovis shame on you for refusing to correct my address, wow. 
The correct address is XXXX XXXX XXXX XXXX XXXX Texas XXXX Inaccurate address they have for me : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX Proof XXXX XXXX has my correct address, yet Innovis refused to correct mine.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I request that Hyundai investigates my case and removes incorrect information that was noted on my credit scores. Hyundai claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by Hyundai that show no outstanding balance or late fees. In fact, Hyundai just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the Hyundai 's XXXX Department, she confirmed that Hyundai issued repossession due to internal paperwork ; not because I defaulted on my account. Hyundai was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, Hyundai asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for Hyundai to pick up the car and I would continue to make my payments so that Hyundai would not report anything to the credit bureaus ( as noted in total loss statement from Hyundai and provided in documentation ). I did not default on this promise and HyundaXXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from Hyundai has not responded in writing to my XX/XX/16 email ( email provided in documentation ). Hyundai has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be. 

Thank You.
Consumer complaint received 2024-05-20
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: CHACON AUTOS, LTD. (TX)

CHACON AUTOS LTD Inquiry : XXXX. XXXX, XXXX- XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information CHACON AUTOS LTD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

Hello, I am requesting that Chase reopen a dispute. 

The original reason for the dispute was incorrect. It states that I did not receive the goods, which is not true. The dispute should reflect that the item was not as described. 

I have asked Chase to correct this, but I have not received any assistance. This issue is affecting my interest and daily balance. Additionally, I have received multiple responses from Chase, all with different outcomes. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

I have contact the company to see why am I being reported as not paying. I have not receive a bill. The company said they can not find me in the system. Company is XXXX credit reports shows I owe XXXX. 
Account info Account name BOMBARDIER/XXXX  Account number XXXX Account type Secured LOC Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$4600.00} Highest balance {$4600.00}
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT is using COLOR OF LAW to furnish inaccurate information about me to consumer reporting agencies that they obtained from the XXXXXXXX XXXX ( the original creditor ) by way of Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) as the original creditor did not have lawful consent to disclose the consumers private nonpublic information to any third party as defined by 15 USC 6802 ( b ) ( 1 ) ( B ) & ( C ) of the GLBA.