davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one make a hard inquiry in my credit score in recently in XXXX whiout my concern. I Don't open any new account or any credit card. I don't know why I have a hard inquiry in my credit score from them.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

For a Comenity Jared store credit card account XXXX I received my statement for the month of XXXX. It states on the statement " WARNING : XXXX XXXX Ending SOON! YOU MUST PAY THE BALANCE {$870.00} OF YOUR PLAN XXXX XXXX XXXX INT XXXX XXXX IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARGES '' On XX/XX/XXXX my payment of {$870.00} was posted per an XXXX statement I received from Comenity ( and confirmed via phone call ). 

I have been receiving statements from Comenity ever since despite paying the balance they provided in XXXX. I have spent a large amount of time on the phone with them, speaking to their representitives in customer service whom I presume are overseas to no avail. I was hung up on after being on hold for about 45 minutes. Upon calling back I was again questioned and had to go over the entire situation again prior to being reconnected to the line where I was previously waiting for a senior account specialist.

Upon speaking to the senior account specialist he stated that I was still receiving statements because I did not pay the " minimum payment due '' on my XXXX statement which was in the amount of XXXX. He said he would create a case and submit it, but it would be unlikely to resolve in my favor. 

I told him I would pay the {$290.00}, but I can not pay any of these supposed " interest charges '' as that was not a part of the promotional plan and was my sole reason for choosing Jared to purchase an engagement ring. It is not made clear on any part of my paper statement that the " minimum balance due '' also needs to be paid. Logic would assume that the {$290.00} is included in the {$870.00}. 

There should have never been further attempt to collect any " debt '' as the {$870.00} has been paid on time, but I have received statements every month. I unfortunately assumed there was just a delay between promotional departments and their collections department. 

Every good faith effort by me to take care of this issue has been met with resistance and an attitude of ambivalence and disregard by Comenity staff. Which is why I have resorted to making this report. 

My case number with Comenity can be provided if necessary.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AZ)

I opened an account with TD Bank in XX/XX/XXXX. I thought I signed up for their auto bill pay in XX/XX/XXXX, I was wrong and accrued late payments until XXXX which I paid. At this point, I requested to be put on Auto Bill pay over the phone. Apparently I was not put on auto bill pay and continued to accrue late fees and missed payments. I called TD Bank to ask why I was not enrolled, the customer service representative could not answer my question and suggested I speak to a supervisor. I agreed and was waiting for a call within 24-48 hours. I never received a call. When calling back, I asked to speak to a manager on duty and according to the rep, there wasn't one. I was told to wait 24-48 hours again and once again, no call. I attempted this a third time with no luck. I filed a dispute with XXXX  but was not able to reverse the late payments due to " lack of evidence ''. They recommended I try contacting TD Bank again. I received a call from a collections agency on XX/XX/XXXX saying my account has been charged off. TD Bank has been unresponsive and uncooperative with my account.
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2022 I received a notification from one of my credit monitoring services that there was a change. Upon review I noticed that that there was a derogatory mark from a Phoenix Financial Services in the amount of {$740.00}. 

Additional research shows this is a out of network provider charging me without my prior authorization and based on the no surprise law of XXXX  they are violating my rights.
Consumer complaint received 2023-05-30
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: Neon Newco Corporation (VA)

I was a victim of credit card skimming, the information on my card was used to make multiple charges on my account in less then 24 hours, I don't even live in the same state these transactions took place and my bank isn't doing anything about it.
Consumer complaint received 2020-08-05
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)

Upon review of my credit file I recently reviewed a collection reported by XXXX  XXXX XXXX XXXX. Experian has allowed this erroneous collection to report to my credit file. 
In pursuant to the FCRA section609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/XXXX I used Synchrony 's online website to apply for a credit limit increase to a card that I have been faithfully paying roughly double the minimum monthly payment on, which was denied. My credit limit at the time on the card was {$1500.00}. On XX/XX/XXXX I received a paper billing statement as well as a notification of review of my account ( dated XX/XX/XXXX ) where I was told my account had been reviewed and Synchrony was decreasing my credit limit from {$1500.00} down to {$250.00}. I called immediately to find out why and was told my account had been reviewed and my credit score wasn't high enough. The letter containing my notice of a lowered credit line also states that my credit score was XXXX at the time of sending, but on Synchrony 's own website where it tracks your credit score, as well as using XXXX XXXX 's application, it shows my credit score was XXXX. So now by lowering my credit limit, it is also decreasing my credit score and they are using that to say I lack the creditworthiness of my original {$1500.00} limit ( of which I am never late ). Also, they are either reporting credit wrong, or using wrong data to support lowering credit limits, which in turn they are using to create worse credit scores, in perpetuity for an excuse. I am currently preparing to buy my first house, and as my credit score trends upward, lowering someones credit limit in order to generate a lower credit score then deny their creditworthiness is patently unfair, and makes me look like a bad borrower. When I called asking my credit limit to be returned to what it was, they said they could only do that by running a limit increase again XXXX of which I was denied, and they would not tell me why. ) As of the time my credit limit increase was processed, my score is currently XXXX XXXX XXXX ) and XXXX ( Synchrony ) reporting. Again, trending upwards because I am paying my cards on time and paying off old accounts.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Mortgage is in arrears in the amount of {$6400.00} as of XX/XX/2022. Applied for a FHA partial claim through Wells Fargo to bring the account current and continue his regular mortgage payments. 
Current terms are as listed below : APR : 2.875 % Term Maturity Date : XXXX/XXXX  Current monthly payment : {$860.00} According to Wells Fargo, FHA Partial Claim was denied, because there wasnt enough. The representative could not explain why there was not enough to cover an FHA Partial Claim. 
Wells Fargo cited that the investor approved a modification plan with the below terms. 
APR : 6.875 % Term Maturity Date : XXXX/XXXX/XXXX  New Proposed Monthly : {$1100.00} While the modification did offer to bring his FHA loan current, it increases principal and interest from {$450.00}, to {$780.00}. 
To some that doesnt seem like much. But to a 1 earner household income with a family of four, it creates an even harder struggle for my family. 

We need to re-evaluate how interest rates on modifications are handled. They should be offered the same rate as the original, extending the term and keeping the payments slightly more affordable for struggling low to moderate income households. 

So, now the bank can offer a modification that increases payment by {$330.00} a month adding almost two years to current term. So that is now 30 years of making an additional {$330.00} a month that I wasnt making before. 

We are kindly requesting that the Consumer Financial Protection Bureau look into this matter and assist.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

i had sent various letters to the various collections agency first letter i send to went to XXXX XXXX on XX/XX/2020 there was no actions taken i asking them to show some type of validate to verify that this account belong to me didnt get much of anything. next i wrote to LVNV funding in XXXX XXXX around XX/XX/2020 mail was returned business dont have a valid address. Finally i wrote to Resurgent Capital Services i wrote them around XX/XX/2020 they told me not to be sending duplicate request and sending some type of bill statement which is not a legal binder showing that the account is mine showing that the account is mine i asked for verification showing me anything showing with a signature on it Nothing i need this to be deleted from my account it is hinder me on obtained credit
Consumer complaint received 2022-10-31
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. (MS)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I ve just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. These have been rough times during the pandemic and I'm tuna get to the bottom of the situation
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Capital Enterprises, Inc. (CA)

Hi there, thank you for your time in reviewing this complaint. Please excuse my memory with dates and times, I have XXXX and it makes it very tough. Around 2014 I got a job with " XXXX XXXX '' and when I hit 6 months I was able to get health insurance. I finally was able to go, and only went in 1 time for a XXXX, and showed my XXXX XXXX XXXX XXXX card. Only thing I can think of is that they didn't use my insurance card and just billed me?? Or that when taking my insurance card something was entered wrong?? Possibilities are endless. Also after having that job I moved to Oregon. Recently I looked up my credit and didn't know I had a collection. I will be buying a car for my new wife and newborn in XXXX. I've contacted as many people as I can and getting nowhere. The original creditor is XXXX XXXX XXXX, and now is in collection at XXXX XXXX XXXX, and looks like they reopened the claim. Please I beg that we can resolve this. I'm getting hit hard with XXXX and then this.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LTD Financial Services, L.P. (MO)

Succinctly stated, my complaint is over a collection procedure problem I have with a company named LTD Financial ( hereinafter LTD ). This company sent me a letter about an alleged debt they purchased from a business with whom they ostensibly assume I owe money.

I received a letter from LTD to which I responded promptly in XXXX of this year. I am aware that under the Consumer Financial Protection Bureaus XXXX Debt Collection Practices Act ( hereinafter FDCPA ), I have certain rights so I completed the form provided in LTDs letter to me and mailed it certified to them at the address they provided on XX/XX/XXXX, XXXX, LTD Financial Services , LP, XXXX XXXX XXXX, XXXX, TX XXXX. Although LTD noted that this po box address be used in return of its form requesting information on the alleged debt, its physical address is listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a phone number listed as ( XXXX ) XXXX.My certified letter did not have a return receipt requested card attached to it ( see attachment ) as I did not pay for that service. I only wanted to have verification that my letter had been delivered via the tracking number. However, when checking the tracking number, the information incredulously posted showed that the letter was awaiting pickup by the addressee at a XXXX, Texas postal facility. Days later an update notation indicated that the letter was being returned to the sender but to this date I have not received my certified letter back. 

The FDCPA requires that I be given an opportunity to dispute the debt within 30 days in writingto request the name of the creditor, and verify the amount allegedly owed so that I can dispute it. I requested this information by way of my certified letter addressed to LTD at the address provided by them. LTD has not responded to my letter through refusing to accept it. 

As an XXXX XXXX XXXX senior, I have received unproven debt letters from collection agencies in the past and am confident that this is yet another such bogus debt. My practice in interacting with collection agencies on any unsubstantiated debt claim is to do so via mail so that I have a written record from that collection agency that can not be disputed and I never pay a collection agency but instead pay any verifiable debt to the business itself.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

Remitly is the money transfer company. Ive sent {$500.00} to XXXX express however the account number fo the recipient was incorrect and the transfer was never finalized. Yet Ive received a receipt from Remitly showing the money was delivered successfully. I have all the records on my phone and pictures of the transfer transaction. 

Since then Ive corrected the account number and sent and addition {$100.00} to see if it would be delivered with no problem, which it was. 
All this started on XX/XX/2020 and I have been talking with Remitly several times but theyre giving the run around- saying theyre are working on it as Ill know in 4 hours. I need help in disclosure this unsafe and dishonest way of dealing with American citizens. I cant afford to loose money. 
Please contact me if you can help further - I do have evidence of all transactions made. XXXX XXXX
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I am writing to file a formal complaint against Prestige Financial Services Inc. regarding the illegal repossession of my XXXX XXXX XXXX, which occurred on XX/XX/XXXX. I believe that Prestige Financial Services Inc. violated the terms outlined in my consumer credit contract, as well as federal regulations, specifically 16 CFR 433.2 ( b ) and the Federal Trade Commission Holder in Due Course Rule. Presige was sent certified corespondence by mail detailing the violations and asking them to provide specific information as well as cease and desist. Prestige instead ignored the written corespondence in its totality, then proceeded to knowingly and willingly continue to violate by participating in the unauthorized sharing of fraudulent information with third party credit reporting agencies. 
Violation of 16 CFR 433.2 ( b ) : According to 16 CFR 433.2 ( b ), " The creditor shall not engage in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. '' I believe Prestige Financial Services Inc. violated this regulation by utilizing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle without proper authorization.

Violation of Federal Trade Commission Holder in Due Course Rule : As a holder in due course, Prestige Financial Services Inc. is required to adhere to the Federal Trade Commission Holder in Due Course Rule. This rule stipulates that a holder in due course must ensure that all aspects of the repossession process are conducted in a legal and compliant manner. By employing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle, Prestige Financial Services Inc. has failed to fulfill its obligations under this rule. 
Incident Description : On XX/XX/XXXX, my vehicle was unlawfully repossessed by XXXX XXXX on behalf of Prestige Financial Services Inc. Neither XXXX XXXX nor Prestige Financial Services Inc. had obtained proper authorization or provided me with a notice of intent to repossess as required by law. The repossession took place without any prior communication or warning, and it was conducted in a manner that caused unnecessary distress and inconvenience.
Consumer complaint received 2023-05-26
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NY)

My Business was shut down due to covid-19. I made a payment in XXXX and advised them that I am under financial hardship due to the pandemic and asked them to not put into collections until after XXXX and also advised that I will call in XXXX to make a payment. I attempted to make a payment on the XXXX of XXXX and was not able to. My account was put into collections after the representative on the phone advised me that It would be ok.
Consumer complaint received 2022-11-03
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. (PA)

I recently pulled my Experian Credit Report and there are 2 listed accounts that are fraud off of my credit report and reporting negatively and fruadulently. I have never held any services or received any good from the listed creditors ; XXXX XXXX XXXX XXXX Partial Acccount # XXXX ) This account was opened in fraud by someone who used my personal information to obtain. I have been going back and forth with bureau to get any identifying information on this fraudulent auto loan. ( Names, dates, signatures, payment accounts, addresses, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account was also opened in fraud. 

I have filed identity theft forms, and also police reports, I can not take it to the next level of legal/ court standpoint because the credit bureaus will not furnish me with any identifying information on these fraudulent debts in my name. 

When these account were opened I was living in XXXX XXXX, XXXX
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DC)

Company discharged debt ( per 1099C dated XX/XX/2017 and their letter dated XX/XX/2017 ) and provided a 1099C for the 2017 tax year. With these 2 actions, the debt is no longer owed to the creditor. 

The creditor reported to the IRS that it has cancelled the debt, thus creating taxable income to the consumer. By definition of the tax form itself, the 1099-C says : Cancelation of Debt. As the consumer I can not be forced to both pay a debt and show the debt as income. The debt can not be considered both cancelled/discharged and still due. 

This account should have a XXXX balance and no reported history after XX/XX/2017. Any negligence in failing to correct the discrepancy or continuing to report both a balance due and negative payment history will be construed as failure to comply with the FCRA and tax fraud. Combined with the letter provided and the 1099C this is sustained proof that the creditor has CANCELLED the debt.