davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (ID)

This nightmare all started in XXXX of XXXX. I called to request XXXX XXXX to close my account after paying it to zero ; however, it took until XX/XX/XXXX after many phone calls and letters for them to do so. I also called Comenity Bank to inform them that I had closed my XXXX account at the same time. A membership fee of {$21.00} had been added to my XXXX account after XXXX was told to cancel the account and it took them until XXXX XXXX, XXXX to credit my account back ( I have confirmation of all of this in writing from XXXX ). The complaint is that Comenity Bank continued to keep the credit card open adding late fees to a balance that went from {$21.00}, the amount that XXXX finally reversed, every month, even after I called and mailed them a letter to again CLOSE the account and reverse any undue fees. I received a letter from Comenity Bank yesterday, dated XX/XX/XXXX, stating that they credited my old card {$21.00}, which is what XXXX had reversed. Once I sent my dispute letter in writing I received a letter from Comenity telling me that my dispute ( this letter is dated XX/XX/XXXX ) was being researched and would take 90 days to complete! I kept getting letters from them saying they were working on it ; however, all they were working on was adding more fees to the {$21.00} membership fee that XXXX has added in error. Now I get harrassing calls from Comenity Bank Card to pay the balance! The right thing for Comenity to do is reverse the fees but they said they can't now that they have closed the card. What a scam! Please help me resolve this matter. 
Thanks so much! XXXX XXXX
Consumer complaint received 2023-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP (CA)

I was denied a Home Equity Line Of Credit under false reasons. When I asked to speak with someone for clarification, I was told that there was no one that would speak to a consumer directly. I am being told that my HOA is no in compliance with our XXXXXXXX XXXX XXXX. I sent a copy of the XXXXXXXX XXXX XXXXXXXX and the applicable amendment which clearly showed that the HOA was in compliance. Then I was told it is because the Home is not insured. I then sent a copy of the insurance showing that the whole structure is insurance as required by the XXXX XXXX XXXX. Then the processor, XXXX XXXX, and I kept going in circles where he woild give the same reasons over and over again and I would have him read the same language that showed the decision is incorrect. He explained that there is a special committee within US Bank that arbitrarily makes decisions on lending to homes in certain HOAs. I asked to speak with someone, but he said only he can speak to an underwriter and that the underwriter is not a part of that special committee. However, the underwriter wasn't passing the information to that committee. I have been wrongfully denied credit when I qualify by all their guidelines. This all seemed to happen after I was asking for clarification about the accuracy of their `` drive by '' appraisal. Prior to that, I was sent a letter offering the credit which is now being pulled and my application is denied.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I been a victim of identity theft I have 2 collections accounts on my report one XXXX  and the other XXXX that were open fraudulently in XX/XX/2017 I also have a bankruptcy thats reporting that was not done by me I have submitted all necessary documentation and also a police report these 3 items are effecting me tremendously Im trying close on a home and this is stopping me from achieving my goal. By law a dismissed bankruptcy do not have to remain on a credit report Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2023-04-25
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. (CA)

Im submitting a complaint to you today to inform you I was the XXXX of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 2018-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

I am the personal representative for my deceased cousin, XXXX XXXX XXXX. My cousin passed away just over a year ago, XX/XX/XXXX. I was not provided with the Letters of Personal Representative until this XX/XX/XXXX. At that time, XX/XX/XXXX, I started visiting his banks and closing accounts. After closing his main checking account, and after providing evidence of his death, I was notified by TIAA-CREF that all automatic payments into the account from his retirement annuity must be repaid back to them. This seemed to make sense, but using that same reason, it also seemed fair to assume that all payments made from that account, using the money that was deposited to that account by TIAA-CREF should then also be returned to the account, or now, the estate, since the account is now closed. We contacted all those who received money from the TIAA-CREF deposits, and for the most part all have repaid that money to the estate, except OCWEN. OCWEN has failed to pay back {$9100.00} of the money they automatically withdrew from that account. 

XXXX XXXX for their part in this provided contact information to most of the parties that received automatic payments from the account. We had to contact each of those individually, some of which were XXXX XXXX branches, but they seem to have all paid back the money that was withdrawn from the account, except Ocwen. 

Ocwen, who received all proceeds from the sale of the house, states that the payments from the checking account were part of the sale of the house. We feel that Ocwen should have know of any laws concerning automatic payments from the checking account of a person deceased, and should have known they would have to return those funds. 

The house had lost value and was not able to be sold for the amount owed on the mortgage to Ocwen. A short sale was agreed to and when the house sold, all money went to Ocwen.
Consumer complaint received 2022-11-18
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I applied for XXXX in late XXXX as my first payment on Nelnet 's site was showing XX/XX/XXXX for a payment based on a XXXX plan I was not enrolled in. Approximately XXXX week prior to my payment date, I rechecked the site and saw that the correct amount based on the XXXX plan was set as my payment. I signed up for the autopay. I did not see any fee charged to my account on the payment date. Then on XX/XX/XXXX I received an email stating that my account was put into an administrative forebearance. My account is still accruing interest despite the fact that I was prepared to make payments on the XXXX plan and thus would have my interest wave. This oversight is leading to myself and many other borrowers unfairly being charged interest because the SERVICER is unable to process all applications.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Kohl 's department store made an ad online for XXXX for {$79.00} and they are saying they cancelled everyone 's orders and did not honor them because they made a mistake, and they should have been {$790.00}. I have a confirmation number and they took the money out my account and now are saying I should receive my money back in a few days. So, they not only did not honor their ad they held up my money.
Consumer complaint received 2023-07-12
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. (AZ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TX)

I started XXXX XXXX in XX/XX/XXXX. I called in XX/XX/XXXX to inform them I was moving, and would not need internet service at my new address, and to please terminate my account. The representative I spoke with informed me that there was an early termination fee. I provided her my credit card information to make payment and was told that was it. Months later I saw reports on my credit report from CCS that I had an account in collections for the amount of {$210.00}. I contacted XXXX who realised the mistake and that they had never actually charged me the early termination fee ( even though they took down my credit card number! ), and they acknowledged they had received my box and there had been zero activity on the account from the time I had called to terminate my service and when I was calling wondering why there was an account in collections. They acknowledged this was their error and agreed to CREDIT back all the charges to my account, and since the early termination fee never processed that I would pay that at that time. This was completed XX/XX/XXXX. I am now ( XX/XX/XXXX ) seeing this collection on my credit report. I contacted the collection agency who told me that because XXXX is reporting this as PAID in full that it can not be deleted from my credit report. EVEN THOUGH I never paid any outstanding debt in full. I paid a termination fee which they failed to process in a timely manner, and they reversed charges that should have never been charged to me in the first place. I have contacted them many times for ALMOST A YEAR regarding this and it is still not resolved. I have printouts of emails to document where they credited the account for the incorrect charges, and where I paid the termination fee after they failed to process the payment the first time.
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (MI)

I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/. That payment cleared my checking account on XX/XX/. I received a letter dated XX/XX/XXXX  from VALOR INTELLLIGENT PROCESSING LLC stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a XXXX balance and had been paid in full. I then called VALOR INTELLIGENT PROCESSING LLC and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (IA)

Here is a summary of the situation and the additional information : 1. Submitted initial disputes to American Express concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with American Express XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, American Express has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided American Express with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided American Express with the essential information needed to expedite the investigation and resolve the disputes promptly.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (NC)

I am writing to express my deep concern and dissatisfaction with the conduct of BMO Harris Bank in handling my financial information. On XX/XX/XXXX, I initiated an account with your institution, expecting a level of confidentiality and adherence to legal regulations. Unfortunately, my experience has been marred by several alarming violations, which I believe warrant immediate attention.Key Points of Concern : FCRA, Fair Debt Collection Act, and Credit Privacy Act Violations : BMO Harris Bank has, without my explicit consent, disclosed my non-public information to third parties. This action stands in direct contravention of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Act, the Credit Privacy Act of 1974, and 15 USC 1681 ( b ). Such unauthorized sharing of personal data raises significant legal and ethical questions.Breach of Terms and Conditions : Furthermore, the bank has failed to uphold its own terms and conditions by denying me the right to opt out. This is a direct violation of 15 USC 6802-6805, demonstrating a disregard for the contractual obligations established between us.Continued Non-Compliance : Disturbingly, despite these concerns being brought to light, my non-public personal information is still being reported to third parties, as evidenced by my consumer report with XXXX consumer XXXXeporting agency. This persistence in non-compliance compounds the severity of the issue.In light of the aforementioned violations, I kindly request that BMO Harris Bank takes immediate corrective actions to rectify these breaches of privacy and adhere to the stipulations set forth by relevant laws and its own terms and conditions.Please consider this letter as my formal complaint and expect further legal action if these matters are not promptly addressed. I anticipate your immediate attention to this grave matter.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX Original Creditor : 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 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