davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/24 I checked my XXXX account because I noticed a drastic decrease on my credit I saw a collection from TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX XXXX, DE XXXX XXXX ) XXXX for the amount of {$5000.00} as I haven not opened any new cellphone account I tried to dispute it with XXXX and they got back to saying the account was accurate. I am not aware of this account as well as never received any mail or confirmation on this for the same reason I have my credit Frozen as this is not the first time a phone line has been opened fraudulently.
Consumer complaint received 2021-03-20
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. (NJ)

I obtained a " your tuition solution '' credit line to fund my daughters XXXX XXXX XXXX with XXXX. 

The bank that provided the line of credit in in the amount of {$2700.00} is Comenity Bank under a program - " Comenity Your Tuition Solution ''. Account Number - XXXX. 

The credit line, effective in XX/XX/XXXX, was a XXXX interest loan provided that I paid a monthly minimum amount and paid off the loan by XX/XX/XXXX. 

I discovered in XX/XX/XXXX that ( i ) every month, I paid Comenity Bank at least twice ( for most months, 3 times ) the minimum due each month, and ( ii ) Comenity Bank charged a late fee for most months in the total amount ( plus interest ) of {$250.00}. I discovered that even though I paid 363 % of the required minimum for 12 months, XXXX kept charging a monthly " late fee ''. 

XXXX  claims that, even though I paid 2/3 times more than was required each month, they had to charge late fee because they received my funds late. My records ( see Exh ) show that my bank ( XXXX ) debited my account on XXXX of each month in vast majority of cases, which was 5 days earlier than the Comenity due date of XXXX. My records also show that certain payments made within 3 days, 4 days, or 5days ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX of XXXX 's XXXX deadline were received on time. PLEASE EXHIBIT. Comenity Bank has failed to explain why certain payments made within 3/4/5 days were timely while other payments made within 3/4/5 days were late and deserving of late fees. I have informed XXXX that the only logical explanation is that they ( Comenity ) experience Operational challenges and I should not be penalized for that. 

Upon raising this issue with XXXX in XXXX, they reversed the inappropriate " late fee '' charge for XXXX but have refused to reverse the charges for the other months.
Consumer complaint received 2021-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

Net CreditXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Was disputed on XX/XX/21 as a result of identity theft. I did not receive this loan
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX / {$1400.00}
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

We are a self-employed married couple, with a XXXX XXXX in Pennsylvania. Our Governor, Governor XXXX, has sit all business down and given us a stay-at-home order. We cant work and do not have any income. We have attempted to call BB & T to be responsible and discuss deferment during this time when we are not receiving income due to Covid-19. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 5 minutes. Call when disconnected when answered. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 19 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 3 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 8 minutes, was after hours at this point, hung up at XXXX Still no resolution. We do not want to default. Our payments are on auto-withdraw and we dont want our accounts to go negative either. 

I have learned from others that they are offering a 3 month deferment- then at the end they expect lump sum repayment to include all 3 months plus the current month due. 

How is anyone to pay 4 months of mortgage payments in a lump sum after not working and having any income? 

Other companies are offering deferment and the deferred months are going to the end of the term to extend it by 3 months. 

BB & T is not helping their customers. They will be putting them out of their homes and on the streets!
Consumer complaint received 2020-03-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DLC, LLC (IL)

Trying to apply apartment but I can't be approved because of the collection I don't own .. the XXXX XXXX XXXX trying to collect the Dollar loan under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the Dollar loan been discharged with the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (WA)

American Express Gold card 's {$120.00} dining credit benefit is misleading. 

I opened a Gold card in XX/XX/2021. One of the key advertised perks was a {$10.00} per month dining credit at certain merchants. I made purchases at qualifying merchants in XXXX and XXXX, but didn't receive any credits. 

Upon contacting customer service, I was told the monthly dining credits required manual enrollment. I feel misled by the marketing as I believe such a key benefit is assumed to be enabled by default, and I wasn't warned about the missing enrollment after making otherwise qualifying purchases.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION (TX)

Hello, I was attempting to apply for a BBVA US Credit Card under a promotion I received in the mail ( Reservation Code : XXXX ) but before I could go further I was denied because I am not a US Citizen, but a XXXX XXXX. I was appalled by this as I initially received this in the mail, addressed to me XXXX XXXX as I currently bank with BBVA.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (NJ)

My account with PNC was closed in XXXX of 2019. Since then this account has reported inaccurate negative information on my report. I have disputed the 30 days late payment that is showing on my report multiple times and have tried reaching out to PNC and all the credit reporting agencies. PNC tells me to dispute with the bureaus and the bureaus tell me to dispute with PNC. They are giving me the run around.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (VA)

I had a 90 day same as cash lease purchase with Acima on a XXXX XXXX sectional. I paid this off in full within the 90 days period from delievery date in XXXX. This was paid off in full on XXXX, XXXX, 2020. I received a paid in full receipt on XX/XX/2020. They have reported this to the credit burea as past due, which is not true. I have proof of my lease # XXXX being paid off in full within the alloted 90 day period. I've submitted this to equifax to remove this invalidness off my credit report, unsuccessfully. I am now contacting you all for assistance to get this removed and help me out as I don't know where else to turn. 

Thank you for your assistance in this matter. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-03-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}, {$29.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my account.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

Someone stole my identity to open a cell phone account with XXXX XXXX starting in year 2020 ( a/c # XXXX ) with an outstanding amount of {$500.00} Collection Company I.C. System, Inc ( XXXX ) XXXX Reference # XXXX ContactedI.C. System, Inc collection company to clear the collection.
Consumer complaint received 2020-03-27
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. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Date : XX/XX/2020
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any lien from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and is you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2020-03-27
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. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :  Creditor : XXXX Inquiry Date :XX/XX/2020
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO. (FL)

I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!
Consumer complaint received 2021-03-20
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. (IL)

I had a car along with XXXX credit the car blew up if you see any news in 2014 theres a major issue with XXXX cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

This is a second compliant What happened is that I submitted a compliant not too long ago and when they responded the compliant they just sent me a letter basically saying that they where still investigating my case and they gave me a phone number with an extension and a name of the person that would handle my account ( XXXX Ext : XXXX XXXX XXXX XXXX I called twice and got no answer so I called directly to midland and spoke to XXXX XXXX XXXX XXXX who put me on a wait for XXXX because she was on another call and she's the only one allowed to work on my account and then after a long wait XXXX gets back to the line and tells me that XXXX is out of her desk and once again I am still not getting any useful service.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/2019, my XXXX application alerted me to a new inquiry from Synchrony Bank/Pay Pal. I immediately called Synchrony Bank and spoke to the fraud department and notified them that I did not apply for a credit card. The fraud department said that they will investigate and I should receive something in the mail within 30-60 days. I have never received a credit card statement at my address because this is not my account. Today I checked my credit report and noticed the account is still listed on my three credit reports and now the owner of the fraudulent account now has a balance on the card of {$49.00}. I want this account closed immediately and deleted from all three credit bureaus ( XXXX, XXXX, and XXXX  ). I also want the inquires deleted from all three credit bureaus. I am also filing a complaint with the Federal Trade Commission and will be filing suit in my local municipality against Synchrony Bank.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (IL)

Discover is claiming that I voluntarily enrolled in their " Payment Protection '' back in XX/XX/XXXX when I first signed up for my card via online. I can confidently say I have never consented to this " benefit '' and was requesting documentation of my disclosure when I first signed up for their card when they were offering this. 
I spoke with multiple Discover representatives on XX/XX/XXXX and they stated that this " Payment Protection '' plan was a benefit that used to be offered, but is no longer offered to new customers. They did not provide a date when Discover had stopped offering this benefit to new customers. Seeing as though this is something that is not offered anymore, but used to be offered in the past, I requested documentation of my enrollment and consent for this benefit. 
One supervisor representative in UT ( via phone call XX/XX/XXXX approx. XXXX CST ) stated that they have record of my online Discover application from XXXX. I requested proof of this application or any proof that would have indicated that I voluntarily accepted and consented to having this benefit charged to my account. They denied this request. 
As a customer, I believe I am entitled to enrollment documentation. I have been charged for this benefit I have no proof of consenting to for 10 years and accrued charges on that I never enrolled in. If there is no proof of my voluntary enrollment of their " Payment Protection '' then I would conclude this as a deceitful practice which resulted in unauthorized charges.
Consumer complaint received 2020-03-27
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. (CA)

I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.