davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (CA)

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

ONEMAIN XXXX - The late payments on XX/XX/ and XX/XX/XXXX XXXX  are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ONEMAINs customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (TX)

I recently checked my consumer profile Theres a Hard Inquiry on XXXX XXXX & XXXX for Resident Verify on XXXXXXXX  which is fraud and misuse of my personal information I need this removed immediately thanks
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank (WA)

My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I registered for an XXXX XXXX  with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the XXXX mobile application on XX/XX/XXXX ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted XXXX on XX/XX/XXXX after contacting Bank of America on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my XXXX profile, were my Bank of America debit card ending in XXXX which was tied to my Bank of America checking account ending in XXXX. XXXX immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my bank of america account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. XXXX has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. Bank of America denied my claim for reimbursement.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a mortgage with Select Portfolio Services. I called the call center about recasting my loan. The woman who I spoke to was lovely. But she told me that my loan was not eligible for a recast. When I asked why I was not eligible, she didn't have any information to tell me why. I just want to know why I am not eligible to recast my loan.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

I have been on about six 40+ minute phone calls and collectively about 18 hrs of time on hold or on a call back list for my student loan repayment. I finally was approved for my IDR SAVE program on my loans. I was told over the phone my monthly payment would be $ XXXX. Then, on XX/XX/XXXX, after being placed on administrative forbearance since XXXX while interest started accruing on my loans again while Nelnet processed my IDR application I receive a message in my account saying I owe $ XXXX for 12 months starting XX/XX/XXXX. So I set up my auto debit. I logged into my account on XX/XX/XXXXXXXX   to ensure everything was still set up as planned and see that my loan payment is now due on XX/XX/XXXXXXXX  and I owe {$450.00}. I call Nelnet, talk to Patience, was told there was a glitch and that I did only owe {$9.00}, she would fix it that same day. I check my account today XX/XX/XXXXXXXX  and my account now says I have several due dates, the first one on XX/XX/XXXX for now {$460.00}. So I call Nelnet again, now XXXX tells me I owe the {$460.00}, plus the {$9.00}, plus {$1100.00}, plus {$1600.00} and only some of my loans were put on IDR plan due to a glitch and that they should all be put on the IDR plan in the next 4-6 weeks to have one single payment of about {$23.00} once resolved. She then put me on my third administrative forbearance while this paperwork is processed to put all my loans from the same school for the same degree all on the same IDR SAVE plan as they should have been in the first place according to her and everyone else Ive spoken to. During these administrative forbearances to keep my account current/not appear that Im missing payments, Ive accrued {$4300.00} of interest to date, which will continue to climb DAILY while I wait for new paperwork to process over the next 4-6 weeks. I want all my loans on the SAVE program just as I applied for and confirmed with the first customer service person I spoke to for $ XXXX and I should be reimbursed the interest accrued during all these administrative forbearances since XX/XX/XXXXXXXX  until whenever the situation is remedied. Why should I be penalized for your company failing to complete my application and correctly apply the program to my loans due to this glitch?
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am furious about why I was charged XXXX late fee then XXXX late fee I am not sure why these different amounts and being charged on different due dates. I feel this is ridiculous and I feel credit card will never be paid if I am being charged more then card is worth. Everything I call I feel as if I am being ignored. Please assist
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (MI)

Do not recognize these credit inquiries. I've ask for them to be removed by Experian and did not get any help. I am also providing a copy of a Identity report attached to this complaint. I am requesting that the Inquiries be removed because inaccuracies and not mine.
Consumer complaint received 2022-12-20
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. (IL)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (CA)

I opened a HELOC and they have violated my consumer right by denying me access to use my account which is direct violation to the FDCPA who prohibits debt collectors from using unfair or deceptive practices. Which also state a company can not block your extended credit in an attempt to collect a debt while I continue to make payments. 
I requested that they unlock my line of credit until they prove to me that I will not be able to pay future payments and they have yet to open my credit I have reached out to them multi times to request that they unlock my credit. I am asking that you help me in this matter. According to 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer of credit.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (TX)

I registered for an XXXX XXXX  with Dave ( XXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the Dave mobile application on XX/XX/XXXXXXXX  ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted Dave on XX/XX/XXXX after contacting XXXX  XXXX XXXX on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my Dave profile, were my XXXX  XXXX XXXX debit card ending in XXXX which was tied to my XXXX XXXX XXXXXXXX checking account ending in XXXX. Dave immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my XXXX XXXX XXXXXXXX account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. Dave has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. XXXX XXXX  XXXX denied my claim for reimbursement.
Consumer complaint received 2023-11-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-20
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 my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Due to fraudulent activities at the XXXX XXXX location ( XXXXXXXX XXXX XXXX XXXX MD  XXXX ), my name was populated and I have recieved notices of delinquesnt account. Upon contacting XXXX XXXX customer service in XXXX, 2023 I was informed that there is no account under my name in their system, also there is not such account at all ( XXXX ). Last week I have recieved a notice from collection agency for the same account. Address of the collection agency states XXXX XXXX XXXX in XXXX XXXXXXXX MN. 

I believe this is a scam that attempts to recover funds from older people.
Consumer complaint received 2024-03-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Disputing fraud charges from day one of discovery  on XX/XX/XXXX, in the amount of {$2000.00}. 
Diligently worked with bank fraud department and existing claim specialist every week from XX/XX/XXXX to XX/XX/XXXX. 
Bank agents and fraud department did not lead the direction of investigation correctly : transactions might have made via on-line account that I did not setup personally, because I could not operate IT ; yet the on-line account was existing with incorrect personal information which I requested to correct them immediately on day 1 of the dispute XX/XX/XXXX. 
Bank agents did not acknowledge the pattern of my card usages which have been consistently established since day one I was granted the credit card, such as : 1. I did not ever spend money on these since I live very traditional XXXX lifestyle, 2. I never spent above XXXX XXXX monthly, 3. I always paid off my last month expense before the grace period, 4. I do not drive, this card has never used to pay for car gas, 5. My personal information in the profile were caught incorrect and updated on XXXX, 6. After XXXX once I called to dispute unauthorized transaction made on and after XX/XX/XXXX, I was told there were more transactions gone through.
Consumer complaint received 2023-10-15
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: EQUIFAX, INC. (TX)

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

I applied in store for a 12 month interest free payment plan with Comenity Capital Bank. I was told first payment was due XXXX XXXX. I set up autopay using my XXXX  XXXX XXXX checking account with payment scheduled of XXXX XXXX First payment was {$130.00} which was 3 times minimum due. Every month I faithfully paid {$130.00} not realizing I was being charged {$40.00} late fees every month. I wasnt aware Comenity wouldnt accept electronic payment from XXXX so a check had to be mailed by XXXX. 12 payments were mailed 4-14 days prior to due date. Comenity posted 1-3 days after due date. Comenity had me set up with e statements that required me to physically sign using a computer, you cant access using phone. They do not email a statement. I received two emails reminding me the next due date but nothing informing me of a late fee. I accrued over {$400.00} in penalties. Comenity wouldnt give me any consideration. I paid remaining balance over phone with debit card and closed account. I just received letter from Comenity saying I still owe {$89.00} and {$40.00} late fees will continue to accrue until I pay yet more. No phone or email information to even discuss with them. Be warned if thinking about using for IKEA or XXXX purchases.
Consumer complaint received 2023-11-28
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: Resurgent Capital Services L.P. (FL)

I do not agree with the previous response received from this company!! I am not liable for this debt of {$430.00} with LVNV FUNDING LLC, LVNV FUNDIN LLC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested wit my wet signature and ID verification. Also on my recent report it is showing a positive payment history of on time payments going up to XXXX and that the account opened in XXXX of 2022 but how is that possible if I never had a contract with lvnv funding llc! I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.
Consumer complaint received 2023-11-29
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: CITIBANK, N.A. (TX)

There is an account in my credit report that i do not know as mine Macys/CBNAXXXX, i sent CBNA a debt validation debit and them didnt give me any answers about this account..
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (PA)

I visited the emergency room at XXXX XXXX XXXX. After receiving care, which was unfortunately subpar ( although that's a different topic ), I received several invoices and bills. Promptly, I paid all of them upon arrival since I have primary insurance and a secondary insurance covering additional expenses. One bill from the hospital amounted to {$1200.00}, and I immediately settled it using my secondary insurance 's debit card. The payment was processed on the same day I received the invoice. 

However, six months later, I received the first letter indicating that I still owed the hospital the mentioned amount. I promptly called and faxed the document proving the payment made by my secondary insurance ( Spending Account Service Center ). I submitted a downloaded copy of the statement, clearly displaying the date and the amount paid. Despite my efforts, a few months later, I received another invoice claiming the outstanding amount. I called once again, providing all the information, and they assured me that they would address the issue. 

To my dismay, I recently received a collections invoice from XXXX XXXX XXXX XXXXXXXX, stating that my bill was no longer under the hospital 's collection but had been handed over to a third party. Now, I find myself having to invest more time in resolving this issue that the hospital failed to address.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (CO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.