davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

COMENITY BANK IS THE ISSUERER FOR THREE ACCOUNTS THAT I RECENTLY PAID OUT THE PREVIOUS BALANCES BEFORE THE DUE DATES. 
STAGE IS ONE OF THESE ACCOUNTS AND IS NO LONGER IN BUSINESS NOT EVEN ONLINE! 
COMENITY HAS CONVENIENTLY CREATED A BALANCE FOR EACH ACCOUNT BY DEMANDING AN UNJUSTIFIABLE RETURN FEE OF {$29.00} DOLLARS, AND BY MASKING THE FEE AS A PURCHASE ALONG WITH AN INTEREST CHARGE! 
HOW UNDERHANDED! 
WHEN I LEARNED THAT MY PAYMENTS HAD BEEN RETURNED DUE TO A, " STALE CHECK, '' ( PLEASE SEE COPY ) I IMMEDIATELY NOTIFIED XXXXXXXX XXXX  XXXX XXXX XXXX, AND XXXX. I ALSO MADE DUPLICATE PAYMENTS FROM ANOTHER ACCOUNT TO OFFSET THE RETURNED PAYMENTS. 
I SIMPLY WANT ALL THREE ACCOUNTS TO BE REPORTED ACCURATELY WITH XXXX BALANCES.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (SC)

I received a check from Wells Fargo from Customer Care - Remediation. I ensured the check was not a scam. I asked if the amount I was given was too much - I was assured not. I then asked - what if it is more? I was told I could enter mediation, and this was through a 3rd party. I received a phone call/voicemail from an individual who identified as working for Wells Fargo ( not a 3rd party? ). I also received paperwork that asked me how much more I believe I should be due and how I calculated that number. How can I answer that when I don't know how they calculated the amount I got to begin with? The original letter with the check was a vague - yes we believe we overcharged you fees but no data as to how/what those overcharges were. I find it very curious that all these details were left vague - how can I get an answer? Thank You
Consumer complaint received 2023-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

This is a followup complaint. Initial complaint # is XXXX. 

BMO responded to the initial complaint ( attaching pdf document ) and shared the contact number of Fraud Department Manager ( ( XXXX ) XXXX ). I tried reaching out to the Manager more than 20 times in last two business days during working hours. Call was directly going to voicemail and I left a voice message. BMO didn't show the basic courtesy to call back and is not taking any effort to unfreeze the account.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Inquiries started appearing on my report that I didnt make. I called all XXXX credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.
Consumer complaint received 2023-12-11
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: Self Financial Inc. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2023-03-26
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: SYNCHRONY FINANCIAL (TX)

XX/XX/2023 Walgreens, XXXX Tx XXXX I was checking out at the counter, when the Walgreens Associate asked if I would be interested in a Walgreens Card to save more money on my purchases, I said yes, but I didn't want to apply because it would put a hard inquiry on my credit report. The Walgreens Associate picked up the phone by the register and called someone in management, I assumed. He asked if I could apply without a hard inquiry, and I was told that there would be no hard inquiry on my credit report if I didn't qualify. I agreed. I didn't qualify and there is now a hard inquiry from Synchrony Bank, in XXXX.I called Walgreens in XXXX, TX regarding what happened and was told they couldn't help me with the problem that they had caused. I want this inquiry removed from all three credit reporting agencies.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OK)

Affirm certified to XXXX on XX/XX/year> that their reported balance of {$1200.00} as of said date, is accurate when the balance was disputed by me on XX/XX/year>. I paid the balance in full on XX/XX/XXXX leaving a zero balance with Affirm. On XX/XX/XXXX, Affirm sent an email confirming the payoff of loan id XXXX. XXXX  dispute dept has told me thru a phone conversation that there is no law against Affirm certifying a false balance and the only thing that XXXX can do is re-open the investigation which will result in the same outcome. Is this what our credit industry is based on? Lies? If there is no way to ensure accuracy on a system that is used for the sole purpose of increasing how much interest a lender can get away with charging, then it is nothing more than thievery!
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (MD)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance Owed : XXXX XXXXXXXX XXXX XXXX  Balance Owed : XXXX XXXXXXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX  XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXX  XXXXXXXX XXXX Balance Owed : XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (IN)

Bull City Financial Solutions has been reporting inaccurate information to the credit reporting agencies and damaging my credit. I sent them notice to validate the debt, and I am still waiting on a response. The information is so damaging that I can not even rent an apartment because they have destroyed my credit. For the record, I have never done business with this company, and it is unfair to me and my family to have to deal with this.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I requested a {$1000.00} payment to a creditor through XXXX XXXX XXXX on XXXX XXXX. The funds were withdrawn from my account and a check mailed to the creditor. The creditor claims he never received the payment, although I confirmed address details were accurate. 

I called the bank on XXXX XXXX and asked for a stop payment. I was told the check was never presented for payment. Supposedly a stop payment request was made, but the bank says it will take 10 business days to investigate and issue a " provisional credit. '' There is no need for an investigation or basis for refusing to release the funds once a stop payment is issued.
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent XXXX, XXXX, equifax letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, XXXX, equifax failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, XXXX, equifax have on file for the account listed below.. It has been more than 30 days and XXXX, XXXX, equifax have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, XXXX, equifax must remove the accounts and billing errors listed listed below. 

1. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX 2. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number XXXX 3. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number : XXXX 4. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX  XXXX 5. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX XXXX 6. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX  XXXX / XXXX XXXX Account number XXXX 7. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX XXXX Account number XXXX 8.The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from Portfolio Recovery Associates stipulate just that. So, if the debt is simply too old to collect, and the fact that PRA LLC shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

A bill of exchange was deposited into my account of {$16000.00} which a deposit is a loan to the bank according to 12 USC 14 31 Huntington Bank chose to steal the securities collect the interest of the beneficiary to the account and has a fee schedule on file with the branch that I opened the account with and now has caused my company to invoice for the fees of the fee schedule this is a notice of intent or funds must be paid in 3 days of receipt of this complaint also a complaint has been filed with the comptroller of currency and the Federal trade commission also Huntington Bank close my account installed {$250.00} which they claim that they were going to send in the mail by check which I never received
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act Transunion, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Transunion continues to report a Child Support case on my consumer report, this information is inaccurate, incorrect, false, misleading, and a violation of my privacy under the Law. I have attached a copy of my consumer file with this complaint. The report also states according to Transunion, the " estimated date '' for removal is XX/XX/XXXX. Which has long passed. I have contacted the courts and the agency and they have assured me, they DO NOT report to any credit bureau for any reason! I believe, this information has been provided by a third party which is also a violation under the FCRA. Furthermore, this alleged case has been CLOSED and SETTLED PRIVATELY between all parties. Since this has been on going since XXXX of XXXX, I also intend on filing a lawsuit in Wisconsin for Defamation of Character under XXXX. XXXX Defamation. ( 1 ) Whoever with intent to defame communicates any defamatory matter to a 3rd person without the consent of the person defamed is guilty of a Class A misdemeanor, against Transunion, as well as, the 3rd party whom furnished the false information. In closing, they have also reinserted this without prior notification, which is also a violation.. We settled this exact complaint in report number : XXXX. 
In which TransUnion LIED to the CFPB stating the filing was'nt even there!! in they're response. TransUnion is again CAUGHT LYING to the CFPB..I also have attached the consumer report, proving they reinserted it, and the LIE that it was never even there. Also, my Business Loan Officer stated this is listed as a BANKRUPTCY filing on my report!!! I never filed Bankruptcy, and there is no reporting of this ANYWHERE on any of my reports.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I sent a letter requesting to verify and validate debt on XX/XX/XXXX and to give me information that they are able to collect. I also informed in the letter that I have not received any information from them about the debt they are attempting to collect I was not aware. So on XX/XX/XXXX submitted a disputes with all three credit agencies as unknown or dont because I did not know this was a debt that was being collected on only response was that the information was accurate and nothing else. They have also updated on my credit every month under two different names Resurgent and LvNV funding. They have two accounts reporting negatively on my credit report and is preventing me from buying a home. This is not right I did not know that they were attempting to collect any thing.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Union Home Mortgage Corp (OR)

XX/XX/2023 - tried to access my account online. Told they were switching to a new website. Was not warned and was blocked from accessing my account information until the XXXX. 
XXXX Registered with their new account, was unable to access any statements or other documents. Called to find out what was going on. Waited on hold, was told to put in my number and they would call me back. Not sure if they called me back but received a phone call that rang once and hung up. 
XXXX Applying for a HELOC, but can not because I still do not have access to any of my statements online. Called again, no answer. Automated message said they couldn't answer the phone.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (TN)

Sent application income to my mortgage company. Called to check on my request. 
I was told by customer service my request and documents were not being processed. 
but they did receive my papers XX/XX/XXXX, XXXX XXXX, XXXX XXXX. Spoke with with customer service to give my hardship and financial information. Called XXXX XXXX, XXXX. 
was told by XXXX Loss Mitigation they were not processing my mortgage assistance request. The mortgage company is trying to make me lose my house to foreclosure by not processing my paperwork. I got behind on my mortgage when my wife died of XXXX XXXX XXXX XXXX. I did not receive foreclosure letter form foreclosure attorney for this sale date of XXXX XXXX, XXXX mortgage company told me I had a foreclosure sale date.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (WA)

On XXXX XXXX, 2023, I received an email from XXXX that stated they believed my account had been compromised and I was instructed to change my password. 

I realized that several attempts had been made to send money from various financial accounts. I have listed those transactions other places in this report. 

I immediately reported the fraud to Bank XXXX XXXX, Charles Schwab, XXXX, and XXXX. 

The XXXX XXXX XXXXXXXX and Schwab transactions involved someone who tried to send money to ( my name ) in XXXX using XXXX XXXX. I immediately reported the fraud to XXXX XXXX. I learned at this time that someone had created an account with XXXX XXXX using my email address and name. 

I would like to point out that I was definitely not in XXXX and did not receive this money. 

I suspected someone may have compromised my home desktop computer, and so I immediately disconnected it from the Internet. Later, on XXXX XX/XX/2023, I discovered evidence that someone took remote control of my home desktop PC. I discovered remote access software ( XXXX ) as well as software called " XXXX  '' which I believe is used to extract passwords saved in my web browser. 

Later, I received a noticed from XXXX XXXX that they had suffered a severe data breach and some personal information was stolen shortly before the above-described incident. I suspect, but can not prove, that this lead to the hacker gaining control of my computer. 

Schwab 's Security Guarantee, found at https : //www.schwab.com/schwabsafe/security-guarantee, states : Schwab will cover losses in any of your Schwab accounts due to unauthorized activity. 

However, Schwab has denied my claim with no information other than " Documents from merchant. '' I have filed reports with the FBI as well as the XXXX Police Department detailing the incident, and attesting that I did not initiate the transactions.