davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (IL)

Hi there, Around a year ago, i was given a credit card from Wayfair with a year 0 % interest. After making purchases, i was still being charged interest throughout the course of the year. 

When i rang up after the first month XXXX XX/XX/2019 ) and asked why i was being charged interest, i was told that i wasn't eligible for the promotion and that instead i was going to be charged a minimal amount of interest every month. I wanted to clarify 100 % that this was in fact the only interest i could expect to receive and i was told repeatedly that it was. 
Also at this time, i was asked about whether i'd like paperless statements which i agreed to and that they would be emailed to me. 

Today, i realized that i have a charge of around XXXX $ on the account ( close to 50 % interest on the remaining balance ). I rang immediately and asked to refund the interest and i would bring the balance to XXXX then and there. After being switched around 3 different colleagues and being spoken to very unprofessionally, i was told that there was nothing that could be done about the interest charges and that this was 100 % my fault for the following reasons : 1. the call in XX/XX/2019 never existed and no call was placed at this time 2. the information was on my statement, which wasn't emailed to me, but this was something i had to access online. 

After looking at the statements which they mentioned on the phone, i see that they exist in an area of the website which is extremely hidden. You have an area called transactions ( where there is no mention of the interest they were about to charge ) you need to click on 2 different areas and then download the statement from there. at the bottom is where you can find their " warning ''. Again, extremely misleading. 

I'm extremely upset about this as i feel like i've been incredibly misled when it comes to how the interest works for their program. Everyone should be aware and their 'promotions ' should be assessed. 

I just want to clear my account without the 50 % finance charge so that i can clear this amount.
Consumer complaint received 2020-06-12
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. (FL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am reaching you about the bankruptcy appearing in my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX, a chapter XXXX Bankruptcy. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
Consumer complaint received 2020-04-13
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. (CA)

We have reached out to experian 6 different times to investigate and remove unauthorized/fraud debt that is on my credit report. Every other credit bureau has done a proper and legal investigation and has removed them after finding out that it does not belong to me! Every time I have given experian evidence that this debt does not belong to me they never remove it. They simply dont investigate and keep the debt on my credit report. I have given all the proof and documentation that shows that this does not belong to me yet they have not updated and removed this. Experian is not doing there job accordingly to federal law and simple leave the debt because of there extremely low standard.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I had a check come through my account on the evening of XXXX. When I checked my account on XXXX/XXXX/16, it showed the check had arrived, at XXXX which point I deposited enough money to cover the check. At XXXX at XXXX I received a insufficient Funds from the bank charging me a {$35.00} fee and making my account over drawn. I am requesting the bank stop charging fees when money was put in the account in a timely fashion to cover the check. every consumer knows this is a ploy banks use to make money off the consumer. Please assist me in stopping Wells Fargo Bank from charging my account illegally.
Consumer complaint received 2020-04-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

On XXXX the XXXX I call Caliber Home Loans in order to find out what type of programs they had available for the people effected by covid-19. After a two hour hold time, I was told by XXXX ID:XXXX that they have a forbearance plan. 
I specifically asked if I can continue to make payments with my debit card through the online portal. She told me yes. 
XX/XX/XXXX I attempted to pay my mortgage through the online portal but was unable to. Today, XX/XX/XXXX, I called them again and after a 45 minute hold time, I was told that due to the forbearance I can only pay via phone with checking account and route number! This was NOT explain to me, in fact, the opposite. XXXX ID:XXXX was extremely rude, aggressive and refused to accept responsibility on behalf of caliber home loans. 
I NEVER agreed to make payments over the home, I ASKED if I could continue making payments as I always have and was told YES. 
They need to be held accountable for this.
Consumer complaint received 2020-04-13
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. (CO)

XXXX ; Experian and XXXX should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}
Consumer complaint received 2020-04-13
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. (CO)

XXXX ; XXXX and Transunion should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2020-04-13
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)

I've had XXXX Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the XXXX and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and Experian did not update my account correctly.
Consumer complaint received 2020-06-12
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. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}
Consumer complaint received 2020-04-13
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: DISCOVER BANK (NY)

I've had Discover Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the Discover and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and XXXX did not update my account correctly.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

Fraudulent name of relative XXXX XXXX deceased is associated with mailing address of current XXXX XXXX. Cover-up or hiding of student records using deceased name XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}.
Consumer complaint received 2020-06-12
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (UT)

NC Financial is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Filed fraud. Capital one took it off, then without written notice put it back on. First they said charge was made in XXXX, then said XXXX, Illinois. Would not say why they put it back on, only that card was there. Did not show receipt, and said they didnt have receipt. Showed proof for my whereabouts that night, didnt change
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX XXXX and I'm a XXXX  XXXX XXXXr with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX  and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 

XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I would like to dispute the following items off my credit report : Equifax : XXXX XX/XX/XXXX XXXX Acct : XXXX {$4500.00} XXXX : XXXX XXXX  XX/XX/XXXX XXXX Acct : XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX {$4500.00}
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (FL)

I received a pay day loan on more than one occasion from Speedy Cash. The Original amount was always XXXX or maybe even XXXX.I think the flat fee was {$100.00} at most. I would have never taken the payday loan otherwise. I missed one payment and now they are charging {$920.00} in interest in addition to the principal. I never signed for an interest loan and even attempted to call and settle on 2 occasions once for {$800.00} and the last time for {$900.00} to no avail even when notified that I have begun to prepare for Chapter XXXX bankruptcy proceedings and that I rather pay now than over a 3-5 year period. I do not think the usury rate of interest their charging is a contractual obligation. In fact the interest is more than the loan itself. I am willing to pay the original loan amount with a reasonable fee but if they insist on trying to defame my character by representing to the credit bureaus that my balance is higher than what it is and refusing to take a payoff is ridiculous.
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (PA)

I am experiencing financial hardship due to the COVID-19 virus and am currently unemployed. I have contacted Dovenmuehle mortgage company to apply for forbearance according to the terms of the CARES Act. Dovenmuehle is only responding by mail with ATTEMPTS TO COLLECT A DEBT when the mortgage payments are not behind, the letters they are sending have been back-dated prior to my initial contact with them, and the are saying they are going to have an appraisal done on my property that I will be charged for so they can complete a loss mitigation application. I only want to forbear payments for 180 days as is allowed by the CARES Act. This is a federally backed FHA mortgage. It's my understanding I can do this without further documentation, or fears of late fees, interest, extra penalties, or being reported to credit bureaus. Dovenmuehle in my belief is not in compliance with federal law and is putting additional stress and potential costs to consumers who are acting in good faith.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I found out that I have several accounts through Union Bank located at XXXX XXXX XXXX XXXX XXXX CA XXXX, and apparently these accounts are being managed by some appointed power of attorney designated to manage my accounts. In XXXX, XXXX XXXX opened an investment account, account number XXXX which seems to have been opened and closed after a year. I found this information out thru my income tax records at the franchise tax board and again through some financial documents I found at his house. According to FDIC I have several other accounts that are also shared with XXXX and his family members, but I am the sole owner of these accounts that are valued over 1.7 million in  available balance. I have never received bank statements, cards associated to these multiple accounts nor have I had any communication about these opened accounts in my name. 

My name is XXXX XXXX XXXX, my ssn is XXXX and my date of birth is XX/XX/XXXX. I filed a police report for this situation with the local law enforcement. The report number is XXXX and the officer that took my report is Deputy XXXX. She can be reached at XXXX for further information. 

My contact information is XXXX. My email address is XXXX. 

Thanks