davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a Clear Violation Of The Law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. EXPERIAN IS PARROTING INFORMATION WITHOUT ACTULLY DOING AN INVESTGATION. This serves as my last and final attempt to seek justice and have the inaccurate information Promptly Removed from my credit report. Thank you for your prompt attention. I trust that the XXXX  will impartially address this serious issue TO Remove This Account, this is inaccurate information reporting. I DEMAND EXPERIAN TO REMOVE/DELETE THIS ACCOUT FOR CONTINUOUSLY REPORTING INACCURATE INFORMATION. This company has been violating my consumer rights. Below are attached documents of just a few of the ongoing mistakes this company has made and continues to make. I DEMAND THIS ACCOUNT BE DELETED!!!
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

to whom it may concern my name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The last XXXX of my SS # XXXX and my XXXX is XXXX. My phone number is XXXX. I am currently writing this complaint because my forever XXXX credit card is not providing me my full benefits this card is supposed to offer. This card is supposed to offer an annual XXXX XXXX off on it anniversary day which mine is in XXXX of when the account is open and {$10.00} off for the coldholder birthday. Which mines is in XXXX. I havent received any of these benefits in the last XXXX  years. I called customer service and asked about it and was advise their rewards system have been down so thats why I havent received these benefits and maybe XXXX received it next year. As a consumer the main reason for having this card is to enjoy the perks and benefits of what the card has to offer and if Im not receiving it what is my reason for using this card when their are thousands of other cards available? I also ask if anything else can be done or Accommodated and they advise me nothing else can be done. I feel like this is very unfair to the consumer because these things are promise as a term and condition of the card.
Consumer complaint received 2020-02-08
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (CA)

To whom it may concern all seven of my Sychrony Bank account was closed stating my accounts was high risk stating that the accounts will not be paid in a timely manner. But all of my accounts were paid never been late I tried talking to all the creditors and even XXXX  and was told there is nothing that can be done but this action that was taken was not right and it was not fair I worked hard to get my credit scores in the high 700s and now my credit scores are going to be lowered by this false statement made by the creditors and XXXX  these closed account will definitely destroy my credit scores that I worked hard for. The managers and even the workers at XXXX  are rude and they dont care about the customer. They just blame each other and provide not solution to problem.
Consumer complaint received 2022-11-14
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 XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights 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 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (FL)

I have been trying to get in contact with this company to resolve this issue as to why they shut down my account and they will not get in contact with me. The information as to why they shut down my account is inaccurate and I need help getting this resolved.
Consumer complaint received 2022-11-14
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. (PA)

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 # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX XXXX / XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name 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 a account without my written instructions15 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

To whom it may concern : I attempted to send funds through XXXX from my mobile platform with Citizens Bank on XX/XX/2022. The funds were intended to reach XXXX XXXX. On XX/XX/2022, I received communications from XXXX advising me that the funds were not deposited and that I could expect a return of funds within XXXX business days. I waited the allotted time, but my funds have not been returned. 

I called my bank ( Citizens ) for information only to speak with the most insensitive XXXX gentlemen who proceeded to check and return with more ridiculous nonsense. XXXX stated it would be another XXXX days before the funds can be returned. I told him I received no communications from XXXX advising of a delay. I advised him that my funds must be returned in the promised time. He stated it was out of his hands. I requested a number for XXXX. He provided XXXX, knowing this was a fool 's errand. It is unclear why he would give me a number that could not provide any information ; I can only assume it was his natural dislike for me as a XXXX woman. 

Either way, I am still not getting the answers I seek concerning funds intended for the XXXX XXXX to feed the hungry. I hope you can get to the bottom of my dilemma ; as time is running out to feed the poor and homeless, the funds were earmarked to help. 

XXXX XXXX Citizens Bank Account # XXXX XXXX 's confirmation number # XXXX Please help me. My bank representative wants to play games, and time is of the essence. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
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. (OH)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX reported incorrect information of a XXXX XXXX past due payment that was incorrect. There was payments made and was current. As well as the XXXX XXXX XXXX that is in effect until XX/XX/XXXX of this XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (GA)

XX/XX/2021 Called the MRS BPO at XXXX and advised that I received letter # XXXX. I advised them that the debt was included in chapter XXXX bankruptcy. I advised her that it is against the law to contact me or try to resale the debt. The rep asked my name so I gave it to her. She then said she should I had 2 last names and I advised my name again and the name shown on the letter. She then hung up and when I called back didn't answer.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (GA)

I'm grateful for the XXXX XXXX 's assistance in addressing the inquiries I requested to be removed from my credit report. However, my concern now is with the fraudulent inquiries still present in my XXXX and Equifax Credit Reports. I urgently require the removal of the following inquiries. I kindly request that these inquiries be removed as soon as possible : XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  : XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-04
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. (KY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX 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 2023-01-04
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: CBC Companies, Inc. (NC)

In accordance with the fair credit reporting act, the list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S2 ( 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 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX   XXXX   XXXX   " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.
Consumer complaint received 2023-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

My federal student loans were recently moved to MOHELA. I called MOHELA with a question regarding my consolidated loans which are in an IDR plan and have been due awhile. They said they had no info on my loans pre-consolidation. They told me to call Dept. of Ed. I called XXXX and they told me MOHELA has to have that information. I want to know what happens to my payments on my loans when I first consolidated. 7 years later I went back to school, and my loan provider at the time told me I had to reconsolidate my loans to continue with IBR. So I want to know if my payments count towards my 25 years or not. No one can tell me. And if they don't then who I contact about receiving deceiving/predatory loan advice.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MI)

I reported unauthorized charges on my comenity credit card but they still reported it to the credit bureau l. I submitted an investigation request to both credit bureau last. They confirmed the fraud, took the credit card off my report. Comenity is harassing me threatening me with debt collection. I receive at least 5 calls a day and now receive texts even though I opted out.
Consumer complaint received 2024-02-28
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CO)

Hello, on XX/XX/2022 my wife and I had went to a XXXX to get a western union money order to pay for our rent in the amount for {$1000.00}. After our rent was paid we had received a notice on the door on XX/XX/2022 stating that the money order for the {$1000.00} was returned and marked refer to maker and to submit a new money order to replace the previous one. Upon calling western union they claimed it to be cashed on XX/XX/2022. After conversation with the property management to get their financial institution information. XXXX Bank returned the check on XX/XX/2022 marked as REFER TO MAKER. 
Upon filing with Western Union for the amount of {$1000.00} to be returned as we didnt request for the money order to be returned we received a letter dated XX/XX/2022 stating the money order is cashed and no refund will be issued.
Consumer complaint received 2016-03-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (OR)

My husband and I have a joint VA guaranteed mortgage that is currently being serviced by Loan Depot. My husband and I received a notice from Loan Depot dated XXXX/XXXX/XXXX, that our escrow account had a shortage of {$570.00}. On the notice it clearly says that if we pay the extra escrow amount required, our monthly payment will increase from {$2400.00} to {$2400.00} ( due to expected increase in property taxes and homeowners insurance ). However if we did n't pay the extra escrow, the notice clearly stated that our monthly mortgage payment would increase to {$2500.00}. 

On XXXX/XXXX/XXXX, I paid the escrow shortage through Loan Depot 's pay-by-phone system. My intent in using the pay-by-phone system was so that the escrow payment would be credited to our account before the next regular mortgage payment date of XXXX/XXXX/XXXX which would ideally allow us to avoid our monthly payment increasing to {$2500.00} Unfortunately, my husband and I were direct debited on XXXX/XXXX/XXXX for {$2500.00} instead of the correct amount of {$2400.00}. When I looked at our mortgage account online, I discovered that on XXXX/XXXX/XXXX, Loan Depot 's pay-by-phone system had applied what should have been our escrow payment to the principal of our loan instead, which made it appear that we had not paid the escrow shortage when we actually had. On XXXX/XXXX/XXXX, I called Loan Depot 's customer service center to clear up the issue. The representative assured me that they would move my payment from the principal part of our loan and apply it to the escrow portion of our loan account. He also told me that this would clear up the issue so that we would indeed be debited {$2400.00} for our XXXX XXXX loan payment instead of {$2500.00}. However on XXXX/XXXX/XXXX, my husband 's and by bank account was again debited for {$2500.00}. I called Loan Depot 's customer service center again today, XXXX/XXXX/XXXX and when I described the problem to the employee, her first response was " well do you know you have a escrow shortage? ". I informed her that the escrow shortage had been paid on XXXX/XXXX/XXXX. She checked her records, and then put me on hold. She came back and told me that " the reason my monthly payment was increased by {$5.00} was for increased property taxes and homeowners insurance. ". I could n't believe it! It was like she had never heard me describing the problem in the first place. The employee seemed so confused that I asked to speak with a supervisor, She then put me back on hold which lasted 15 minutes before I gave up and hung up. 

My husband and I are fine with paying an increase of {$5.00} in our monthly mortgage loan payment but as of right now Loan Depot is charging us {$47.00} more in our monthly payment ( the difference between {$2500.00} and {$2400.00} ). Basically, Loan Depot is treating our account as if if we never paid the escrow amount they asked us for. Further they are not timely in rectifying the issue for my husband and I.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

I have 3 accounts with this subprime credit card company. 2 are due on the same day. I paid the minimum payment on both cards on XX/XX/XXXX. I received email confirmation of both payments as well. This morning I received an email and several alerts from credit monitoring companies that I missed this payment. When I logged in to the website, I got a screen I never saw before telling me that as long as I paid {$98.00} before my next due date, they wouldnt report me to the credit bureaus for missing a payment. I checked my bank account and neither payment had posted. Money is extremely tight at the moment, so I made an additional payment of {$50.00} and figured I would call to ask them to remove the late fee ( Ive never missed a payment ). When I look at my bank account this afternoon, I discover that both of the payments from XX/XX/XXXX have been withdrawn from my bank account. When I call to cancel the {$50.00} payment, they tell me my account is past due. When I press that it isnt, they admit they see the payment I made on XX/XX/XXXX. I reiterate that I want to cancel the additional {$50.00} payment. They keep me on hold for over 10 minutes, and by the time I speak to XXXX, the manager, its now too late to stop the additional payment. He tells me that I can call my bank and request to stop payment. I ask why I would waste {$45.00} on that?? XXXX also tells me that as long as I make another {$3.00} payment before my due date, I will be paid in full. I ask how I could suddenly owe {$53.00} for a monthly payment when last month it was {$45.00}, but he doesnt have an answer. At this point my login credentials no longer work ( but they worked less than 15 minutes before ), and XXXX offers to take my {$3.00} payment over the phone. I tell him absolutely not. He tells me to go to a different website address to login, which takes me to the same login screen, and my credentials work again. Now I can see my past payments and the pending {$50.00} payment, but I still dont see my {$45.00} payment from XX/XX/XXXX. At the least this is bad business practice, but Im fairly certain this is criminal or borderline criminal. They claim to have had a system error on XX/XX/XXXX and XX/XX/XXXX, but all 3 cards that I have run on the same platform and the other two accounts and other payment had no issues. Shame on me for not checking my email before paying another {$50.00}, but I have been working hard on my credit with the goal of being done with these 36 % interest rates, and I panicked when I got the notification that I had somehow missed a payment.