davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NV)

Comenity bank is misleading with their zero-interest promo, with the sole purpose of making customers ignorant and making Comenity bank more money. 

Plan 1, XXXX Signed up for XXXX interest promotion for XXXX XXXX with Comenity Smile XXXX. 
I trusted this banking institution that my payments as charged would meet the balance at the end of the promotional period. I looked at my statements and it showed the promotional plan with the minimum due for that plan, this amount matched the minimum due every month. 

Plan 2, XXXX Different family member required dental surgery, signed up for different plan. I once again trusted that my minimum payments with the addition of this second plan still met the total required to pay off the plan balance by the end of the promotional period. 

XX/XX/XXXX XXXX XXXX My balance and payment have more than doubled. Turns out my minimum payments did not meet what should have been required to pay off the plan balance by the end of the promotional period. And the responsibility is placed on the consumer to figure this out, because this is not explained in your statments. Shows you the numbers, but they don't honestly reflect the minimum payments that should be required in order to cover the balance.
Consumer complaint received 2024-02-25
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (TX)

Halsted Financial sent a text message with a lot of information included in it that I believe some of which is confidential pending identification verification. I have never interacted with this collection company over the phone, via text, or any other way.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NJ)

I called cavalry after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

CAVALRY PORTFOLIO SERVICES Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact CAVALRY PORTFOLIO SERVICES  XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to dispute several accounts on my credit report that I believe are the result of fraudulent activity. I have been disputing these unauthorized accounts several times and I believe that this will be the last time that I will escalate these items. 
The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Account # XXXX 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.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

Hi, On XXXXXXXX XXXX, I have opened a TD Beyond Checking Account package ( along with new savings accounts ) by using an online promotion of receiving {$600.00} ( {$200.00} for savings and {$400.00} for checking with different eligibility criteria as received in a promotion mailer ) and met all the criteria of the promotion to deposit funds in form of new money into the savings account within first few days of opening the account. After couple of months, I had received the {$200.00} in the savings account as expected. 
I had also successfully satisfied all the eligibility criteria for the checking account bonus which was direct deposit setup from my employer directly. Surprisingly in the initial 3 months, my employer direct deposit was shown as ACH deposit in TD bank statement and it seems because of which they are not ready to issue the {$400.00} bonus. However, right after the promotional period the same deposit from my same employer suddenly started showing as direct deposit which was there till XX/XX/. Moreover I had offered them to provide proof that on same period during XXXX, XXXX XXXX XXXX  my other bank deposits came as direct deposit from my employer. Unfortunately, they didn't allow my to show the proof and denied 8-10 times I tried to escalate this matter. Till XXXX XXXX end, I tried and failed and finally decided to close all my accounts in TD bank. 
I had maintained that high balance for past 9 months in the bank for no reason, so I'm really frustrated and feeling helpless. So I am requesting for any help or support in this matter if possible. Thanks in advance.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have submitted two dispute requests with Equifax and both times the results left the incorrect information on my report. They are reporting two missed payments for XX/XX/XXXX XXXX XXXX, my auto loan provider. The first dispute was submitted on XX/XX/20 and the second dispute was submitted on XX/XX/20. Out of all three credit bureaus, Equifax is the only one that has the status of my auto loan as delinquent or a missed payment. I have reached out toXX/XX/XXXXXXXX XXXX multiple times and each time they notify me that they are not reporting any missed payments to Equifax. They have even provided me a document stating such. Equifax 's incorrect information has caused me to be declined for a credit card at a time in my life when I really need it. Their website is always down and I was abnormally long when calling in for help.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was recently gifted {$120.00} American Express gift card. Based on the site, it says you should be able to use the gift card at any retailer that accepts XXXX, and to just add the credentials in like a regular credit card and it should work. However, after my any attempts on multiple websites, transactions continually got declined. I made sure to follow the instructions and was trying to make purchases that were lower than the gift card amount. On XX/XX/2024, I contacted American Express Customer service who turned out to be incredibly unhelpful. Not only was I on hold for 3 HOURS - when I finally did get connected they claimed the failed transactions were for my protection. The card was declined at major retailers such as XXXX, XXXX, XXXXXXXX XXXX, for fraud protection.Their only solution they provided was to try other shops... ridiculous.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NM)

I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2024-05-09
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: Spring Equity LLC (NJ)

On XX/XX/XXXX, Spring EQ made a hard pull on my credit report that was not authorized by me. The reason for this message is to request the rescission of this hard credit pull through XXXX. 
On XX/XX/XXXX, I was shopping around for a HELOC. I was contacted by XXXXXX/XX/XXXX in XX/XX/XXXX XX/XX/XXXX. I reiterated to XXXX XXXX atXX/XX/XXXX on multiple occasions that I did not want a hard pull on my credit report. He assured me that there would be no hard pull, stating it would be a soft pull only. Despite my insistence, he requested my social security number. Once again, I emphasized that I wanted absolutely no hard pulls on my credit. He assured me there would be none. Against my better judgment, I provided XXXX XXXX with my social security number. XXXX XXXX is the only person I spoke to on this date, so it is impossible for any other individual to have used my information to negatively affect my credit score. After he gathered all my information, he hung up and called me back about half an hour later with updated rates, which was fine. However, later in the day, I received a notification from my credit monitoring program stating that your company, Spring EQ, had conducted a hard inquiry on my credit report. I did not know who this company was, and they certainly did not have permission to pull my credit. 
After speaking with XXXX, they informed me that Spring EQ had made a hard inquiry on my credit report without my permission. On XX/XX/XXXX, I contacted both SpringEQ andXX/XX/XXXX that I was requesting Spring EQ to rescind this hard pull with XXXX to restore my credit to its proper state. I contacted them in hopes that we could resolve this issue quickly and efficiently without having to involve other agencies like the XXXX or CFPB. I was notified by XXXX XXXX late on XX/XX/XXXX that the rescission was in place and it would soon be off of my report. However, when checking my credit report on XX/XX/XXXX, it was still there! I was once again lied to.
Consumer complaint received 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TX)

Title max had an inflated interest rate and hidden fees and tacked-on financial products i didn't ask for. Paid my loan in full. Then they repoed my XXXXXXXX XXXX, repoed it without notifying local authorities, of repo. I reported it stolen due to the lack of knowledge of the whereabouts of my vehicle I made. payments made on illegally charged fees and the interest paid on those fees, payments made on illegal loans, the loss-of-use of funds, the loss-of-use of vehicles that were wrongfully repossessed, I want replacement value of vehicle that was sold after being wrongfully repossessed.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act. A collections agency by the name of XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, under code 15 USC 1681. I have sent numerous written requests to this collections agency to validate this debt, in the amount of {$540.00} ; dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am writing to bring to your immediate attention a critical matter regarding fraudulent accounts on my credit report. Upon a thorough review, I have identified several accounts that are not only unauthorized but also present a serious risk to my creditworthiness. I assert that these accounts are not legitimate and have been included in my credit report without my consent. I have taken immediate action to protect my identity and have reported these fraudulent activities to the appropriate authorities. Furthermore, it is evident that there is insufficient information to verify the authenticity of these accounts. I request a comprehensive investigation into these accounts, and in the absence of concrete evidence supporting their validity, I insist on their immediate removal from my credit file. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-05-09
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Wellness LLC (CA)

No Credit Score Improvement and Refund Denied by Credit Wellness.

I'm writing because I'm really upset with fraud company Credit Wellness!

I did not even want to talk with credit repair agency. I was looking to settle my account debt with collection agency, and somehow called Credit Wellness.

I feel used. The agent on the phone convinced me that paying them will help me increase my Credit Score, so I started a plan, but it did nothing. All it did was taking my money, and my debt is still there. 
I was checking XXXX XXXX all the time, and after a month there hasn't been any improvement at all. This is exceptionally concerning. 
I want a full refund! 

They had told me that when I signed up that I could get a refund if their service didn't work. I asked them to get my refund.I tried calling them back, but there was no answer. 
This has been very stressful and unfair. I trusted them to help me, and not only is my credit score the same, but I am also out the money I paid them upfront. 

SCAM!!!
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-08-28
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX  XXXX Balance : {$4400.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2800.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$4800.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}-
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX and I kindly request that you address it promptly.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2024-01-09
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: WELLS FARGO & COMPANY (DC)

On XXXX, I spoke with XXXX XXXX of The Wells Fargo Executive Office Case Specialist Office and she informed me that she was speaking to The Bankruptcy Team in regards to a Court Modification. I am concerned about this process because Wells Fargo refuses to adhere to agreement to Modify my home immediately without Trial Payments and remove the total arrearage payments for the years XXXX. This is Obvious Discrimination. Why am I regulated to Bankruptcy and continued destroyed Credit which has been the case for over 10 years when Wells Fargo did not honor it's agreement. My loan is also PREDATORY and The original closing Documents from XXXX XXXX XXXX  XXXX which clearly demonstrates I was not in Foreclosure is evident and dated... Americas Service Company a subsidiary of Wells Fargo had this information all along and ignored the facts when they placed me in Foreclosure. As a result, Wells Fargo knew years ago. Yet, Wells Fargo refuses to rectify the situation. I am in the process of submitting the required retainer to obtain a Law Firm who is Finally able to assist with attaching my case to several Class Action Law Suits and obtaining the services of The Justice Department Finally.. I will upload The Stamped XXXX Letter proving my claim this Afternoon.