davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

My complaint is against Comenity Bank XXXX XXXX XXXX XXXX account and Comenity Bank XXXX account. 
I have an open account for each of the above-mentioned accounts, with an 18 months ' pay period with no interest. 
I have been making payments on time from the beginning, payments I make are more than the minimum required monthly amount due. 
I received a statement indicating a late fee of {$41.00} assessed against my account from the Comenity-XXXX account ending in # XXXX this past week. I called them and during my call, realized that they had previously charged me a late fee on a couple of more occasions. I reviewed the payment history on my bank account and my bank bill pay service sent payments to them on time every month, and this I can prove. 
This morning I had the same issue with my Comenity XXXX and XXXX account ending # XXXX. I logged in to review my final payment due and discovered that they have charged me late fees and interest on at least 4 occasions recently that they would acknowledge with me on the phone. I asked to have all fees reversed and they advised me that they can only reverse two of the multiple late fees that they had assessed on my account. This is not acceptable. 
I believe that this company is doing this unfairly and on purpose in order to make extra money on accounts that are making payments ahead of the no interest expiration date. I know that they are receiving my payments from my bank on time and sitting on them until past the due date and not posting the payments to the account on time in order to be able to access a late fee and interest, I use the same bill pay service from my bank for multiple payees and have never had an issue with any other payee not receiving the payments on time.

I feel that this is a very deceiving and unfair practice that Comenity is engaging in and they need to stopped from continuing this practice. They could potentially be raking in millions of dollars in late fees from consumers unjustly. 
Please let me know if you need more details on this subject.
Consumer complaint received 2023-08-16
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. 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 the creditor 's customer service representative.
Consumer complaint received 2023-08-15
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. (NY)

Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX {$310.00}
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

TO Whome this may concern, predatory lender I loaned from them in XX/XX/2019 for {$3000.00} made payments each month totaling way over $ XXXX and they still say I owe {$3100.00}. This is insane highway armed robbery, they also mentioned account is being serviced by this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I received XXXX $ from XXXX XXXX company that was deposited to my cash app XX/XX/2023. Approximately XXXX XX/XX/2023 I was XXXX  for failure to appear. ( XXXX later I was XXXX  XX/XX/2023 ) My account was scammed XXXX cents at a time From XXXX via cash app. 
Ive filled a complaint XX/XX/2023 waited 90days still no refund no response. Cash app restricted my account.
Consumer complaint received 2023-08-16
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. (NY)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

XXXX XXXX Chase closed my checking account ( account number is XXXX ) on XX/XX/XXXX and withdrew all my money on XX/XX/XXXX. Chase promised me that I would receive a money check with all my money in 5-7 business days. After one week, they told me that the check should be mailed out. Without receiving anything, on XX/XX/XXXX, I called Chase but they said there might be some investigation going on which hinders their returning my money. As an XXXX XXXXXXXX, I put all my money for my tuition fees and living expenses in my Chase checking account. I currently don't have a job and that was all my money. Now, they told me that they don't guarantee returning my money. And they do not offer further info or help. They simply let this poor little XXXX, living in an alien country without any family, die due to no money. Definitely, my family in XXXX is working class in a small town, and they are not able to send me the tuition fees twice! I feel helpless and don't know how to live in this world.
Consumer complaint received 2023-04-19
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-16
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. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

LVNV is reporting different dates of last activity on XXXX XXXX and XXXX Reporting inaccurate information is a violation per FCRA. I would like for this acccount to be removed from all credit bureaus IMMEDIATELY!
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Mr. Cooper is the new servicer for my mortgage. We pay PMI until the loan is at 78 % and than PMI should have been removed. We reached that threshold two months ago. Servicer will not remove PMI because they are stating it is not set to be removed until middle of 2018. We have always paid extra on our monthly payments.
Consumer complaint received 2015-07-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar Mortgage has been taking money out of my account every 2 weeks since XXXX 2015 when I enrolled in their " Equity Accelerator Program ''. They have been misapplying payments to my account and now there are late fees and I 've been getting harassing phone calls from Nationstar.
Consumer complaint received 2023-03-27
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. (CA)

Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to XXXX, XXXX, and TransUnion to investigate and I have not received a response.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has committed fraud by reporting inaccurate information on my report since XXXX. I have repeatedly reported them. I do not owe {$140.00}. I am supposed to receive a refund of {$1500.00} once the amount was paid. 
On XX/XX/XXXX - A check was issued by XXXX for {$120.00}. Yet they continue reporting to the credit bureaus!
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion XXXX XXXX is reporting inaccurate information on my XXXX XXXX XXXX, account they are in violation in my consumer rights i was on time with my payment back in XX/XX/2019.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (TX)

One Main Financial allowed an account to be open with out my approval. This was a fraudulent account and when caught I have tried to dispute with the company. After submitting affidavit as requested I was told I needed to provide policy report. Per my local PD they were only able to create an incident report due to the lack/none documents to provide about the account. Case number was provided to One Main and their response that they needed a physical copy with companies information listed. Upon out emails I provided them the information that only so much could be done and if One Main wanted investigated they will need to provide information to the police department and assign a detective to investigate. After 30 days I have tried to request someone to respond and they are only allowed to contact me by email. I have requested a phone call and even from management to contact me and no one has done so since the request. I have done what they have requested and not once has anyone offered to send me or the police documentation about my account. Only information I have been given verbally is that my account is closed but I am still being reported as account past due. There has nothing been mailed to me as a form of statements or anything and finally after a few phone calls to their general customer service someone gave me an amount of {$41.00} past due for their annual fee. But that is all that was given, I was barely even able to get a date when account is credit. For a credit company and verifying my information that account is with my personal info no one is ever willing to give me information for my account. This is odd since other companies will gladly provide answers to questions about my account.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

All of my educational loans have been forgiven/discharged but the credit bureaus still list XXXX them on my report as unpaid. 
I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!
Consumer complaint received 2023-08-16
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. (NV)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Thursday afternoon XX/XX/24 I attempted to withdraw {$60000.00} from truist bak 299 Bill France Blvd Daytona Truist Branch. 
The attempt was unsuccessful despite an ample principal with Truist in that account. 
i am a partner in a new business ; " XXXX XXXX Technologies ''. We needed funds to continue XXXX & XXXX on our security modules. 
Monday XX/XX/24 the money had not been processed through XXXX Bank, where the bank check from Truist had been deposited.

I returned to the Truist branch, met the branch mgr " XXXX '' only to find that MY funds had been held by the Truist Fraud Dept -- despite my appearance at the bank XX/XX/24, presenting my XXXX  XXXX ID Drivers License, ATM cards for both my business and personal accounts with Truist. She explained that there was nothing to be done until the Truist  Fraud Dept cleared my funds for release. While in her office, I phoned my attorney and with him on speaker we questioned XXXX -- this impressed her ( unfavorably ). My funds were released later that day. 
XX/XX/24 I encountered her again when I attempted to withdraw $ XXXX in cash as well as a $ XXXX bank check to transfer funds again to XXXX  bank. 
On a personal note, I'm a XXXX XXXX XXXX retired family physician, white male with disabiity and chronic pain issues -- prolonged standing aggravates my pain issues. There was no line when I arrived in front of XXXX XXXX, the Truist teller that day. after 30 minutes of standing I had my $ XXXX in cash, expecting that the bank check shouldn't take much longer since I had already presented all identification requested. After 45 minutes, XXXX XXXX told me I could sit down as she could see I was in pain and that she would call me but that the branch mgr had to sign off on the $ XXXX withdrawal. Fifteen minutes later XXXX XXXX summoned me to her station, explained that the cash needed to be recounted per the branch mgr who had been on and off of her phone and had a few customers come through her office during the preceeding hour. After taking the sealed envelope from me and running through the counting machine ( the 3rd time ) she seized the cash, refused to return it under XXXX 's directive. I asked to speak to Cetera who informed me that my out of state drivers license ( that I had used XX/XX/24 without problem was now a problem, that I needed a FL drivers license to get my funds. I had to cancel the rest of my days appointments to try to resolve the issue and get a FL drivers license that day. By now I had been at the branch for over an hour. 
XXXX  is a large XXXX woman. I'm an elderly XXXX  male. In my decades of service as a family physician, I've become somewhat adept at learning to " read '' people. XXXX 's anger at me also seemed to have a XXXX component to it. 
I then went to a different Truist branch and was out of the building in less than 30 minutes with all of my tasks completed uneventfully.
Consumer complaint received 2023-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (HI)

In XXXX of XXXX, I received a phone call from a Flagstar Bank representative inquiring about if I knew about the forbearance options for my loan in the event I wanted to forego a couple of payments in order get caught up on other things or needed some COVID-19 hardship relief. The rep and I spoke on the phone, and she told me all I had to do was go online to my account and apply for it. When I asked about the repayment process I was told that the loan would be modified to put those payments during forbearance time on the back end of the loan, and it was easy as 1-2-3. 

Since I'm military I pay my loan on the XXXX and XXXX of every month, and starting on the XXXX of XXXX to XXXX XXXX I did not pay anything as I in a forbearance status. When I called to let them I was ready to start my payments again and to go through the modification process, I was told that was not the process and I had to APPLY for a Loss Mitigation Plan. I told the rep that is not what I was told by the previous rep, and was eventually told that person was 100 % wrong for not telling me the correct info and getting me into this situation. 

Needless to say the whole application process was a pain and it never got resolved. I spoke to at least 15 different Flagstar employees and was told something different 15 times. I would do what the application asked of and submitted everything at least two or three times because something was always needed because the underwriters took their time reviewing everything, and once 30 days had passed I would have to submit everything all over again. 

I ended up paying an extra {$800.00} a month to try and catch up on the missed payment during this timeframe because I had no faith in the bank to help get out of the situation they put me in. Since I'm in the military I was ordered to move from XXXX to XXXX with a two months noticed and that alone has caused another hardship as I had to pack up and move everything. This caused my wife to not be able to work again after not having a job since the first lockdowns on early XXXX.