davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NE)

I had a two-tiered plan with XXXX XXXX ( Comenity Bank ) for two XXXX XXXX XXXX. 
I planned to pay both loans off before their promotional dates to not incur the additional interest. 
Plan one was due in full by XX/XX/2020. 
Plan two was due in full by XX/XX/2020. 
I have previously had other loans with tiered plans before and usually they are more clear about the payment installments. In addition, with COVID crisis the statements didnt make it clear, or had small print in the warning box that a minimum payment was needed for the 2nd tier plan. 
Background : I paid all my payments over the phone with my checking account, and paid the minimum. 
XX/XX/2020 Statement paid the balance of {$1800.00} like the statement said to do, to pay off the tier 1 plan. I didnt notice in the small print that I also needed to pay the minimum payment of the 2nd plan. 
XX/XX/2020 Statement received my statement, expecting my tier 1 plan to be paid off ( with the {$1800.00} payment ) and found that it wasnt. That {$1800.00} payment was applied to both my tier 1 plan, and the minimum payment due for my tier 2 plan. 
I called about XX/XX/XXXX when I got the statement saying I was short and they then informed me that Id be getting a statement for {$1500.00} for interest because they said I was {$71.00} dollars short for my tier 1 plan. It was already too late to fulfill the obligations for the tier 1 plan when I called. They then shared that they would allow me to pay payments ( with interest ) on the interest. 
I then paid the tier 2 payment because I was so upset about how the payments were applied. 

I received the interest statement around XX/XX/XXXX for the additional {$1500.00}. I paid this and had to handle this without the help of my daughter due to COVID restrictions. I want to make sure others are aware of this so it doesnt happen to others.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/19 I made a payment of {$230.00} and the customer service rep said that by making this payment I would be all caught up because I was behind 1 payment. So he told me by making this payment I would be paying for XXXX and XXXX and my Monthly payment would be {$77.00} with 15 % APR and my fees would be waived. 

On XX/XX/19 I called to make my XXXX of {$77.00} and to setup autopay. The customer service rep confirmed my payment amount of {$77.00} a month and said my APR was 11.99 %. So I setup my autopay.

To my surprise on XX/XX/19 barclay drafted {$400.00}. Making my kids daycare payments overdraft. I spoke to the manager and Confirmed it was a mistake and that I would be receiving a check for the refund of {$400.00} and here we are in XXXX and I still have not received that check. 

There were XXXX purchases I disputed because I do not use this card I am trying to pay it off. These charges are still showing on my account. Why? 

Oddly enough my available balance is only {$100.00} how is this possible when Ive made over {$700.00} in payments?
Consumer complaint received 2022-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FactorTrust, Inc. (NM)

XXXX FACTOR TRUST & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. 

I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. 

My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. 

Stop the unwanted contact.
Consumer complaint received 2020-08-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-15
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: National Credit Adjusters, LLC (TN)

This company XXXX XXXX reported this account on all my credit reports originally with XXXX XXXX XXXX opened back on XX/XX/XXXX. This account was disputed and removed from all of my credit reports sometime between the original date reported and XXXX. On XXXX, XXXX XXXX, this same account was added back to two of my credit reports under National Credit Adjusters. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed and it was removed from my other reports this year but they didn't remove from my XXXX   report. I have continued to dispute this information but they have failed to update the other report.
Consumer complaint received 2017-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

Complaint against : Forster & Garbus LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Upon receiving a letter from this law firm on XXXX XXXX, XXXX and phone call made on this matter of judgement/execution for asset acceptance of incurred credit card opened in XXXX with a payment made in XXXX, I wrote a formal letter to this law firm for false claims and harassment in the form of wage garnishment that included my employer 's address. I have declared myself a victim in concerns with Forster & Garbus LLP actions and highlighting their illegal actions under the FDCPA guidelines concerning to collect with submission to ownership on a time-barred debt.
Consumer complaint received 2020-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2019 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax refuses to remove or correct an account from Absolute Resolutions showing the account open. Absolute Resolutions requested them to correct the issue and remove the account and they have not. I contacted them via recorded call they have failed to address the issue and claimed they did not consent to recording after a statement that the call may be recorded. I would like this account closed and removed from my report as requested by XXXX XXXX XXXX To equifax . Equifax has stated in dispute that information is accurate on at least 2 occasions but can not provide proof they actually investigated it properly.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CL Holdings LLC (GA)

Jeffereson Capital Systems alleges I defaulted on my credit cards and that my account was purchased against my will. I had no knowledge of my account being purchased and request documents and proof. 

Jeffereson Capital Systems has forced a court suit to a family member in my name against their will and wishes
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX transferred loan to XXXX. XXXX split loan into 2 separate loans. 
XXXX is reporting negative late payment from 2018 inaccurately. XXXX not only created 2 separate accounts from one account from XXXX XXXX but are also incompletely and inaccurately reporting negative information. The time that XXXX is reporting Negative, XXXX XXXX is reporting positive. The account was transferred to XXXX. DELETE XXXX ACCOUNTS ON ALL 3 CREDIT BUREAU REPORTS AS THEY SHOULD NOT HAVE CREATED 2 LOAN ACCOUNTS FROM 1 TRANSFERRED ACCOUNT AND SHOULD NOT BE REPORTING ANY NEGATIVE INFORMATION. SEND REPORTS WITHIN 30 DAYS SHOWING ITEMS COMPLETELY REMOVED FROM CREDIT REPORTS.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

Citi shut down my double cash rewards account a couple months ago and under the circumstances feel I am entitled to the cash back of approximately {$220.00} I earned this statement period Citi had shutdown a savings account that had over {$100000.00} in it a couple months ago that was never overdrawn for no reason. My credit card got closed with no notice and the only explanation they gave me was that they decided they didn't want to do business with me after closing the savings account. 

This account was never late and paid in full every month. In the five years I have had this account I didn't pay any interest. 

My complaint is that I made a couple large purchases that would have gone on another card had I been given notice they were closing the account as opposed to giving Citi the transaction fees. They conveniently close the account mid-period with no notice so I couldn't get the rewards I earned. I feel they should have given given my notice and closed the account after the cashback posted. 

I feel citi should have to give me the cash I earned this billing period seeing the account was not past due and ALWAYS paid within their terms and they closed the account without reasonable cause. If I decide I don't want to do business with Citi anymore and close the account before the statement closes, I am still expected to pay citi for the charges incurred those days the card was open and Citi should be expected to the same.
Consumer complaint received 2020-08-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (OK)

Recently disputed an amount owed to XXXX apts for a collection of eviction and rent debt automated collection has taken over the account. The court judgement shows for {$730.00} but they are validating to the credit report agencies that I owe over XXXX. I sent 3 letters to them to verify the debt and still havent gotten a reply. Credit agencies are reporting they they are responding that the amount is correct. I have my court documents showing other wise.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

PHH Mortgage falsely reported our mortgage as being in forbearance. We have a perfect payment record and have never requested deferral or forbearance. They did this in the middle of a refinance and it ruined our refinance. My lender needed a one sentence statement : " We never solicited deferral or forbearance in conjunction with any of our loans with PHH. '' They refused to provide this letter.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

Dear CFPB, I am writing to file a formal complaint against the collection agency LVNV FUNDG for their egregious violation of my consumer rights. It has come to my attention that LVNV FUNDG has placed a collection account ( Account Number : XXXX ) on my credit report without providing me with written notification of this alleged debt. 

Under 12 CFR 1006.34 ( b ) ( 5 ), I have the right to receive validation information regarding any debt that a collection agency seeks to collect from me. However, despite repeated requests, LVNV FUNDG has failed to provide me with any validation information pertaining to this account.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV FUNDG 's actions are not only in violation of federal regulations but also disregard fundamental consumer rights.

Moreover, I strongly believe that LVNV FUNDG has engaged in false, misleading, and deceptive practices in their attempt to collect this debt. Such actions are in direct violation of consumer protection laws and regulations.

It is imperative to note that LVNV FUNDG has furnished this account to consumer reporting agencies without providing me with the necessary disclosures required by law. This blatant disregard for legal obligations is evident of their violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally requesting that LVNV FUNDG immediately remove the aforementioned account from my credit report. Furthermore, I demand that LVNV FUNDG cease all collection activities related to this debt until they have complied with all relevant laws and regulations.

If LVNV FUNDG believes that they have indeed provided me with proper notification, I kindly request that they furnish a copy of the certified receipt with my signature acknowledging receipt of such notification.

I trust that the Consumer Financial Protection Bureau will take swift and appropriate action in investigating this matter and ensuring that my consumer rights are upheld. I appreciate your attention to this urgent matter and look forward to your prompt response.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (NY)

I have a XXXX XXXX account and was heavily encouraged to use the Zelle feature on their online mobile app. I have spoken to several representatives who assured me throughout the pandemic that it was a safe and effective way to complete transactions. in XXXXXXXX XXXX XXXX I made a plant purchase deposit of XXXXXXXX XXXX and In XXXX I made two payments of XXXX XXXXXXXXusing Zelle on my XXXX XXXX XXXX app as I have normally do. I was supposed to receive the shipment XXXX. when I didn't receive it I called my bank by the XXXX of XXXX to explain the situation. they put a claim in for this and told me I would receive a correspondence on how to proceed. I did not receive correspondence so I called again XX/XX/XXXX. they closed my claim without even telling me why. no correspondence. I filed a new case which they did the same thing. finally in XX/XX/XXXX I call again, XXXX XXXX file another claim. XX/XX/XXXX I called to see what progress was made, I was transfered to more than 6 representatives before one representative said the reason XXXX XXXX kept closing the case is because they are a separate entity from Zelle and I need to speak to a Zelle customer service representative. the Zelle representative said that they as a company contract with all major banks to allow the banks customers use the product for free, but at what cost? I was shocked and confused because I was told so many times that Zelle part of XXXX XXXX banking system. not separate. the marketing of Zelle as one in the same with banks on the app is gross and unfair. they did not disclose that they are not fdic insured on the online app. it says " Send and receive money securely- all you need is an email address or mobile number. '' I feel robbed, cheated and blindsided. I was not made aware that this was not secure and not protected by insurance. if they had made this clear I will have used different means to complete my transaction.
Consumer complaint received 2020-08-15
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: Prosper Marketplace, Inc. (NY)

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX  data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Consumer complaint received 2023-03-17
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-15
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I had a problem making a paying To my capital one credit card, at the beginning of the whole coronavirus pandemic. I called in to customer support to defer my payment. I was told by the representative that that wasnt possible because they had closed the credit card account due to 2 payments being kicked back by my bank for insufficient funds, bc as we all know, the banks manipulate the transactions, withdrawals/deposits for bills. So capital one closed the account, and the rep told me they wouldnt defer not even a single month bc the account had been closed. Being that I was effected by the pandemic, I was not able to make the minimum payment for that month of XXXX, as I had not a single dime coming in, so I missed one month, but before the second month, I was able to make a payment of {$160.00}, but the payment was late. For the 3rd month, I got my statement w a {$680.00} Minimum payment Due, and {$450.00} past due amount. Now at this point Im 36 days past due and reported to the burrows. I called a few days ago to see if they would work w me in any way, or do anything for me, and was pretty much told to go XXXX XXXX XXXX myself, and was offered NOTHING. The balance on my card is over {$6000.00}. How can they do this, not offer any help during such a time, the whole world shut down, and they didnt offer not a single thing.
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (TX)

experian and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX all not mine addresses