davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank has been making harassing/repetitive calls to collect a debt. Just within the last 7 business days they have called a total of 38 times using a variety of different numbers as well as blocking their number. 

XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX   Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked These types of calls go on beyond those dates but that is all I currently have logged on my phone.
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (OK)

I was told verbally and in an email from a company representative that my loan would have a 0.50 % rate discount. After I signed the papers, I only had a 0.25 % rate discount. After several calls to SoFi I was told that my loan only qualifies for the 0.25 % rate discount.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Re : XXXX XXXX XXXX XXXX ( comenity bank ) Acct number : ending in XXXX Hi, I contacted XXXX to pay my bill at the beginning of the year. The customer service lady I spoke with said she could take the payment and have the late fee removed but I would have to call back and speak with a service department as they were not open at the time. At that time I made a payment taking care of all purchases, except for the {$35.00} late fee. 
I called back and spoke with someone else who said that was not true, and they would not be able to waive the late fee. I explained to them that I had not received a bill. They told me that the billing had been changed to go to my email account. I was not aware of this. I explained that I had made the previous payment and that I was promised to have this late fee waived. The man I spoke with this time said he could not waive the fee. I then told them I wanted to close the account. I called back the following Day and spoke with a new representative. He told me that this account was closed with a zero balance. XXXX XXXX XX/XX/XXXX ) I just received a bill in the mail today XX/XX/2020. 
Showing a balance of {$73.00}. Now this statement shows two late fees plus interest. I called express immediately and spoke to you a supervisor by the name of XXXX. He told me he could not help me. I explained to him the situation and that if they could not help me resolve this as promised I would file a complaint with the credit bureau. Can you please help me with this? I have excellent credit with a XXXX score, and do not want this tarnished because of this company is excessive late fees. 
Please contact me. 
XXXX XXXX Thank you, XXXX XXXX I do not have this full account number as it is partially starred out on this invoice.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

On XX/XX/2020, I sent a letter to Southwest Credit Systems in XXXX, Tx certified mail, regarding a collection item appearing on my credit report inaccurately. I requested for Southwest Credit Systems to validate the debt is mine by showing me competent evidence bearing my signature, showing that I have some Contractual Obligation to pay them. They never sent me anything evidence of anything bearing my signature. Southwest Credit Systems is in violation of the FCRA & FDCPA, due to the fact they did not validate the debt belongs to me, bearing my signature. Southwest Credit Systems have not deleted the entry of this item from all Credit Reporting Agencies. Southwest Credit Systems continue to falsely report inaccurate information on my credit report pursuant to the Fair Debt Collections Practice Act and the Fair Debt Credit Reporting Act, along with corresponding local state laws. 

The public should be made aware of the unethical and illegal business practices of this company. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Walla Walla (WA)

I opened a savings account and deposited a check that turned out to be forged. I alerted the bank and asked that the Bank stop payment on the check because it was a forgery. The bank did not do it. Because the check was from a company in XXXX it caused a balance due to the exchange rate. I spoke with the Bank President who said they would write it off. The next thing I heard was from Walla Walla collection agency. They called me by phone. I tried to explain this to them by phone. They then sent me some information by mail which they told me by phone I should have received. I responded with the facts about this debt and how it was not my fault. They never responded and so that led me to believe it had been resolved. About two years later they placed a derogatory remark on my credit history without contacting me first. I wrote them to try to resolve this and they continue to ignore me.
Consumer complaint received 2020-03-17
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. (AR)

I recently over the past 60 days have contacted Experian through direct mail and phone about several accounts reporting on my consumer credit file that were established without my knowledge and or consent. I recently received a copy of my credit report from Experian which stated nothing more than it was just a copy of my credit report. I also took the initiative to file an identity theft report which included some of the fraudulent accounts in question as well as the fraudulent addresses. Experian has failed to provide a reasonable investigation within the 30 day time frame allotted per the Fair Credit Reporting Act which is a violation of my consumer rights. In addition unlike XXXX  and XXXX, Experian has failed to provide a block within 4 days of being notified by a consumer who's been a victim of identity theft. Experian has had more than enough time to complete an investigation but continues to violate my rights as a consumer by continuing to report the fraudulent accounts to my credit file. I find this totally unacceptable and Experian should be held liable.
Consumer complaint received 2023-03-05
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. (PA)

Account info Account name XXXX XXXX XXXX Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B
Consumer complaint received 2020-03-28
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)

Credit inquiries list on my report from Experian XXXX XXXX in partnership with XXXX XXXX. I have written XXXX XXXX in XXXX, XXXX, requesting to remove credit inquiries. They did not respond. 

I wrote to Experian in XXXX, XXXX, that I did not hear from XXXX and requested all unauthorized inquiries that are listed below, as Experian XXXX XXXX be deleted. They have not responded. 
The dates in question are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC. (FL)

I purchased a ring in kay jewelers in XXXX  all around XX/XX/XXXX for a XXXX  present. The ring fit big and my husband decided that he wanted to return it. On XX/XX/2019 I physically went to the store and return the ring. At first they stated that they would return the amount to my credit card account with commenity. After a month I got a bill from genesis for {$800.00} ( amount paid for ring ) I immediately called kay and they said that they issue me a refund for it. I checked my comenity account and I had a positive balance on mu favor for {$800.00}. Since then, mid XXXX, I have been calling kay to tell them they credited the wrong account/company and they said I have to contact comenity. I contacted comenity and they stated they could see the positive balance on my favor and they would send me a wire transfer and I gave them my bank info and they gave me a confirmation number. After few days I called comenity again and then they said they do not do wire transfers anymore but they will send me a check for the {$800.00} balance in my favor. Here we are middle XXXX and still have not received a check and the other company, genesis, it is still charging me, I have not paid because I have not received the money from comenity, for it and treating me to report negative info to my credit report. When I have called comenity I always get the same answer that I will get check in the mail but have not get anything yet. I have spoken to at least 7 people including three supervisors. Please assist me with my issue I am desperate and not sure what else to do.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MO)

Last year in XXXX or XXXX, I took a vacation to XXXX XXXX. While there, my debit card was compromised around {$1700.00}. I contacted the bank as soon as i was aware, made a claim, and they then stopped and issued me a new debit card. After months of trying to get my money back, the bank denied the claim stating that it could not have been fraud use because the card was swiped and the chip ( and/or ), my PIN number was used. The transactions that were placed were no where near XXXX where I was staying, and yet, they still denied the claim. Last week, I noticed where some travel agency ( appears to be the same people that committed the fraud last year did it once again, but this time only charged my debit card {$99.00} 2 times. I was told I would receive an email and a phone about my claim and complaint about last years claim as well as the current one, and I still have not received either. This is only 4th fraud claim in 10 years, and they have denied everyone of them. I tired pulling my money out of my account in order to open a new account with a different bank, but was told I was not allowed until the claim has been fully investigated and the claims department has made a claims decision.
Consumer complaint received 2020-03-28
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)

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to Equifax, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to my credit report. they have not sent any documents over supporting how they could allow this to happen.
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (MA)

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 %  XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX  is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt  collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NY)

I have transferred my credit card balance from my Wells Fargo credit card to my XXXX XXXX credit card. XXXX send Wells Fargo the check and the balance transfer was transferred. However despite Wells Fargo accepting the check from XXXX, and XXXX completed the transfer, Wells  states that the never received any money from XXXX  for the transfer. 
1. XX/XX/2020 a {$1500.00} transfer initiated to transfer {$1500.00} from my Wells Fargo credit card to my XXXX XXXX card and as per XXXX, it was completed and reflects on my XXXX   credit card account, as per XXXX XXXX credit card XX/XX/2020. Wells Fargo states they never received any payment from XXXX  at any point in that time frame ( XXXX ) and reflect no change in balance ( well Fargo credit card remains the same amount as ever ). 
2. XX/XX/2020 balance in the amount of XXXX from the same Wells Fargo credit card account was initiated and suppose to be transferred to XXXX. XXXX states Wells Fargo was also paid and on XX/XX/2020, XXXX  notified me the balance transfer was complete. 

Wells Fargo accepted the checks from XXXX, however the balance on my credit card with Wells Fargo hasnt decreased at all. 

I called Wells Fargo card services and the stated they never received and payment from XXXX XXXX XXXX XXXX.  Wells Fargo has some internal corruption.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MA)

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case Comenity Capital Bank did no such transfer, nor was I ever given any such proof.

4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal.

6 ) This collection is illegal, and Comenity Capital Bank is in violation of my rights under the Fair Debt Collection Practices Act.

7 ) My file must be purged and all personal information must be deleted, along with Comenity Capital Bank recalling this debt information immediately.

8 ) Any and all references to this account must be deleted on all credit bureaus.

9 ) Comenity Capital Bank must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX 
DEPT OF EDXXXX XXXX {$0.00}