davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. 

I have contacted XXXX on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after XXXX plus months, XXXX has been unable to retrieve my payment from XXXX. XXXX also told me that I had no way of contacting directly their dispute center... very odd I thought. 

XXXX has verified that XXXX did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My Truist checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX  card in XXXX was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( we have since moved to XXXX, XXXX ) Please let me know if you require any further information. Thanks in advance for the help!
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Refusal or Slow responce to PMI Removal letter. 
SPS has not responded to my request to suspend and remove Mortgage Insurance.

I have met all cirtera for removal. See loan infomation below.

Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Select Portfolio Servicing , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Loan Amount {$270000.00} Loan Type Conventional With PMI XXXX XXXX XXXXXXXX XXXX XXXX Monthly Premium {$46.00} Next Premium Due On XXXX Current Loan To Value 59.60 %
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MA)

On XXXX XX/XX/XXXX XXXX XXXX  terminated their relationship with XXXX XXXX XXXX. I held two credit cards via XXXX XXXX and did all my business on these cards. Without notice the cards were canceled and ALL balances and records identifiable with the cards were transferred to Comenity Bank. On XX/XX/XXXX, after having my XXXX cards denied at a doctors office, I returned home and found I had received the Comenity cards in the mail. As directed, I activated the Comenity cards on XX/XX/XXXX, and registered the cards for online banking. The online bank accounts are not/have not worked. Repeated calls to Comenity result in the same response-our technical team is working on the issue. In the meantime there is no way to review statements, make payments or claim rewards. I paid off my balance immediately via the phone and have no intentions of using the cards in the future. I however can not cancel the cards as Comenity is holding my financial records. I have no idea where my balance for cash rewards stands, I have no way to review balances for suspicious activity ext, and I have yet to receive a paper bill. I am one of hundreds perhaps thousands with these complaints.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

I was a victim of identity theft with Chase Bank. The fraud people attacked my account on my phone via email. Chase states that they will protect the consumer if this happens. Chase refunded the money to me and then reversed their decision a month later and with no notice to me withdrew the funds of over {$500.00} from my account. When I called their online fraud division, account superviser XXXX hung up on me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated.
Consumer complaint received 2019-10-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

I borrowed {$900.00} from instaloan on XX/XX/2014. After making payments in the amount of approximately {$1200.00}, I ended up owing more than the original loan, I owed {$1000.00}. They've found a loophole to rip people off. They need to be closed down!
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Rent Recovery Solutions (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

In XX/XX/2022 I received an email from Citibank, because I have a Citi Priority Credit Card, for a promotion on opening a checking account. The promotion was for various bonus pay outs based on deposit levels. There was a link on the email which I used to open the account. I also called customer service to verify that my account showed a promotion on it, after funding, since I had not received any confirmation of the promotion starting, follow-up, etc. Of course, Customer Service said yes, they did show the promotion and there was a 30-day period to allow funding, which I had already met. 

I funded my account for $ XXXX on XX/XX/2022, and maintained over that amount for the bonus period required ( 60 days ) and even further. I went over 90 days with my balance above $ XXXX. I still have around {$100000.00} in the account today. The promo was supposed to be paid out 30 days after completing qualifying activities and I never saw any payment. It has been 6 months since I originally funded the account and still no {$1500.00} promo payment so I messaged Citi. They said my account was never enrolled for the promotion. 

This is clearly a scam, as the link in the email should have allowed the promo to follow me to the account opening page. Also, Customer Service would have been lying when I called, and they confirmed. I am sure I am not the only one who has fallen prey to this scam. 

I am removing all of my business from Citibank. Someone from CFPB should investigate these checking account promotions and Citibank 's follow through on their advertisement.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Ann Taylor Master Card administered by Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account hacked and closed in XXXX. However, company used this account to renew a magazine subscription ( without my consent on a closed account ) and sent me a bill for {$20.00}. I sent a check for this amount. In the meantime, I had replaced this account with a new one. XXXX XXXX XXXX XXXX XXXX XXXX Comenity used the check for an payment on the new account. This happened again and I called many times to try and correct the mix-up. No one I ever talked to could find the old account number listed first above when I called. I wrote a letter to Comenity to explain all this and they closed the second account also listed above. So once again I tried to pay off this account which by now is accuring late fees and interest. In XXXX, XXXX I sent a check for {$220.00} to pay off the first closed account. ( the second account was paid off with a XXXX balance ). The company put that check amount towards the second closed account which how has a CREDIT balance of {$230.00}!! And I received another bill on the first closed account which is now showing an owed amount over {$300.00}. I receive a bill every month with new interest and late payments. Surely, credit card companies keep track of closed accounts and have access to that information. And they have not returned the {$230.00} that is credited to a closed account.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NORTHWEST BANCSHARES INC (PA)

On XX/XX/XXXX I received a notice from XXXX XXXX who is the XXXX XXXX for Northwest Bank. They stated that I just got a disclosure which they did not send me for my review. Also there are discrepancies in the date which his letter was sent to me. She stated I open a loan on XX/XX/XXXX which would be {$81.00} for 14 monthly payments. In the same letter she stated that in XX/XX/XXXX which would before me even taking out a loan that I signed a privacy notice form. To me the information is erroneous and needs to be deleted ASAP. How can I sign a form months prior to even having a transaction. Im asking for a copy of my drivers license to verify my address that you had at signing. They did not even have my proper address. I would like this to be removed from my consumer credit report. There is information that is not consistent or legit and it should be removed.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (TX)

Im resubmitting a complaint to you today to inform you I was the victim 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 any item 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 Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

I received a bill from ERC about an account not paid with XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX XXXX and this is not my debt. I have had no prior notices from XXXX XXXX XXXX XXXX and this is " out of the blue ''. I also read online that this same thing has happened to other people also billing from XXXX XXXX XXXX XXXX that is not their bill from this same company and that they have many consumer complaints. I assume this is a scam. I do not want to reply to the company to encourage them to continue. 
I am XXXX years old. I should not have to deal with this fraud. 
This is the information from ERC : Account number XXXX ; Reference number XXXX the amount of XXXX due to XXXX XXXX XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX XXXX and I have never had an account with XXXX XXXX XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-06-08
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. (FL)

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. 

Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

My city property taxes remain unpaid and past due. I received a final notice from the city indicating plans for placing a lien on the property on XX/XX/XXXX. I have contacted my escrow company 's customer service department via email and telephone multiple times over the last few months to report the unpaid balance ( including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) along with notices I have received from the city and documentation indicating the balance due, but the matter has still not been resolved. An escrow analysis I received at the end of XXXX shows a disbursement to the property taxes was supposed to have been made in XX/XX/XXXX, but no disbursement was ever made -- this seems to be the source of the balance due.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This dispute of unauthorized charges involves a debit card in my name, which is used by my real estate company, XXXX XXXX ( " XXXX XXXX XXXX '' ), to issue incentive payments to me resulting from commissions from real estate transactions. Essentially, as commissions are earned at random times, the card is then loaded with various remittance amounts. This card is administered by Bank of America. 

On the morning of XX/XX/XXXX, resulting from my XXXX XXXX XXXX   advising me that I should have received a commission credit to the card, I called into the Bank of America automated customer service line to verify receipt. It was at that time that I first learned that there were a series of debited transactions that I had not made. I immediately telephoned Bank of America and advised them of the unknown and unauthorized charges and they advised they would cut of the card, re-issue and new one and place a formal dispute claim. Further, they advised that all five of the disputed charges were actual swipes of the card, although I physically had it still on my person and the card was never lost nor has ever been lent to anyone else. 

Subsequently, on XX/XX/XXXX I received a letter ( attached ) from  them only stating that the transactions were authorized, but no detail as to how they came to that conclusion. I immediately called them and tried in vain to get an answer as to how they found the charges authorized considering that besides the charges for some items in which I have no use for ( i.e., I have been on a XXXX diet for the pass 3 months and would never go near a XXXX XXXX ) for at least 2 of  the 3 days in which the card was supposedly physically swiped in another boro, XXXX, NY, I was actually miles away at work located in another boro, XXXX, NY ( on-site clock-in/out ledger attached ). 

I of course asked if someone else, a supervisor can explain to me the seeming non-investigation and unfair conclusion that I authorized these charges and I was told no one was available but a supervisor will be calling me back. It has now been over two weeks and I have not heard from Bank of America.