davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Bread Financial Holdings, Inc. (OH)

I had a XXXX balance on this card so when I traveled to XXXX XXXX on XXXX this is the card I chose to take. I knew that I had a cash limit of {$400.00} when I paid the card off in XX/XX/2023. I also checked the XXXX statement before I left and it also shows {$400.00} available. Once in New Jersey I kept getting declined for cash. I called customer service and the first person was no help. I asked for a supervisor and she stated that she couldnt see why they lowered the line. I advised that I didnt even receive a notification stating that it would change and thats bad customer service. The line hung up on their end so I called back. Got the second person and she too couldnt see why it was decreased and basically there was nothing they could do about it. That line hung up as well. When I called back I was upset. Got a third supervisor and she was the most helpful even there couldnt help. They can show you my record. Ive never had an issue with paying my card and I hasnt used it for a few months prior to this trip. I feel like I was unfairly singled out and if they dont make it right I will reach out to their HQ.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (OR)

I have made two purchases with XXXX XXXX ( XXXX XXXX XXXX ) and already there have been two major issues. The first was trying to set up an account online to be able to make payments. The system would not allow me to register for almost 30 days and required multiple telephone calls and a letter to the CEO in order for me to be able to sign in to make a payment. The first payment couldn't even be done online and I had to give my checking account number over the telephone for an ACH in order to avoid late fees. Then on my XXXX Statement it clearly shows I made the XXXX payment and the XXXX payment because of the difficulties experienced I didn't want to be late. This is the same month that I made the second purchase. On my XXXX Statement is  says that I have a past due amount of {$130.00} and they added a {$27.00} late fee. I was paid ahead of schedule, had just made a purchase ( nothing due ) so how could I be late and assessed a fee. I called them today AGAIN and they reversed the {$27.00} but it really appears that they are gaming the system in order to obtain greater late fees and steer purchases so that the 0 % interest is jeopardized. My experience with this merchant 's payment processor has been horrible.
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

I submitted disputes to LVNV Funding LLC in XXXX early XX/XX/. The company never responded. XXXX responded in their behalf. I have a lot to say. I disputed this information with XXXX XXXX and XXXX XXXX failed to delete this from my report. Instead they continuously harm my credit report I was recently denied a home and LVNV Funding was the account brought up. They continuously update false inaccurate incomplete information. They have been compliant with FCRA laws nor are they XXXX compliant. This company didnt send the information asked for. Where is the payment history? Where is the rest of the information asked for. I sent this ferried mail and can send return receipts and copies of dispute letters. Delete this from my report ASAP
Consumer complaint received 2023-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

1. ) Account Status : XXXX is reporting this account as " CLOSED ''. And XXXX is reporting this account as " PAID ''.

2. ) Payment Status : XXXX is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX  AND XXXX HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
Consumer complaint received 2019-09-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Immediate Credit Recovery (TX)

Pursuant to Chapter XXXX Adversary Case No. XXXX filed in the XXXX XXXX of Texas, the student loan debt for the US Dept of Education against XXXX XXXX was administratively discharged due to his total and permanent XXXX. As such a Motion to Dismiss was filed on XX/XX/XXXX against the US Dept of Education in the Adversary Case. The Motion declares the student loans discharged and enjoins enforcement of the discharged educational loans. The Motion was approved and an Order of Discharge was filed on XX/XX/XXXX. 

XXXX and I ( XXXX ) jointly filed our XX/XX/XXXX income taxes in XX/XX/XXXX, but have not receive the anticipated refund of {$8500.00}. We contacted the IRS to inquire as to the status of our refund and were advised that the U.S. Dept of Education had offset the refund for payment of {$100000.00} in student loan debt owed by XXXX XXXX ( which was the debt discharged in XX/XX/XXXX, discussed in the preceding paragraph ).

We contacted the U.S. Dept of Education, who advised that they had sent XXXX debt for collection to Immediately Credit Recovery , Inc., who, in turn, reported XXXX 's student loans delinquent on his credit report beginning XX/XX/XXXX. 

We have not received a call or letter from Immediate Credit Recovery , Inc. We have left several messages to explain the discharge and to request resolution, but have received no response.
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (OH)

This letter is in reply to your no response, in response to my letter dated XX/XX/2020. In my letter dated XX/XX/2020, I disputed the ALL of the debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 



First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you completely ignored me.Ignoring me isnot a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 



Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false. 



Due to the foregoing, you have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of myselfand received within 14 days.
Consumer complaint received 2019-09-16
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: BARCLAYS BANK DELAWARE (IA)

Received a call from Barclay Card about possible fraud activity. Researched and found 3 fraudulent charges on my account from XXXX. First issue was resolved immediately ; however, the other 2 ( which only occurred ) 2 days prior have taken 4 calls so far to attempt to resolve ( without success ). Each time I call I am told that a new case file will be open to investigate, and on each subsequent call I am told that no case was ever opened. Further, the 2 remaining fraudulent charges from XX/XX/XXXX remain on the account almost 2 months ( XX/XX/XXXX today ). When asked to talk to a supervisor none is ever available, and I am still waiting for one to call me back.
Consumer complaint received 2018-12-27
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. (MD)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CT)

On XX/XX/19 I received a debt collection notice= {$180.00} for medical services I did NOT receive because I was NEVER a patient at the hospital in question. I called the collection agency on XX/XX/19 & informed them I am not the patient. 

I also wrote to the hospital in question & have also written a letter to the collection agency disputing the debt.
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

I received a mortgage from Land Home Financial XX/XX/2008 XXXX with loan number XXXX. According to the information the gentlemen gave me they transferred the servicing to XXXX XXXX XXXX on XX/XX/2008. It has since been transferred to XXXX, XXXX and now XXXX. I called Home Land Financial to ask why I do not see a satisfaction of mortgage since it was sold, and was told it wasnt their job it was XXXX XXXX job since they were the servicer as of XX/XX/2008. I called the number Home Land Financial gave me and it is for XXXX and the gentlemen stated that was all the information he could give me. I want to know why a satisfaction of mortgage has not been recorded on this loan since it has now been transferred that I know of 4 different times.
Consumer complaint received 2021-07-20
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 got alerts from the credit bureaus about recent hard inquiries on my credit file that I did not authorize. I reached out to the creditors to get information about these inquiries but was unsuccessful. I attempted to call the credit bureaus directly trying to be proactive but I was unable to speak to anyone over the phone.
Consumer complaint received 2020-09-23
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)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

My account of paypal restricted between XXXX XXXX, then recovered. 
After that at XXXX I sold a item sent it through dpd you can find it there https : XXXX And I also got another sale to united states XXXX XXXX. 

Now they forever stricted me first at XXXX ok XXXX recovered. 
XXXX restrict again, XXXX ok recovered, normal as their message said. 

Now XXXX restrict again, it really hurt my business, they said there are activity they can not support but after XXXX XXXX I did nothing. Between XXXX made a sale but need time to send it, between XXXX I did nothing why unfroze and froze again? 

I contacted grailed which I made sale on, which they said clearly they need my account normal to have the button to release money on paypal. If they restrict me forever due to I didn't do anything they would hold my money forever, now they paypal even ask me to refund, how can I refund the items I already sent??? 

Need my account get normal.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

Promised XXXX reward points and {$50.00} statement credit after getting card and spending {$2000.00} on first 3 months. After meeting those requirements in XX/XX/XXXX, I have yet to receive either one of the rewards. Also charged an airline ticket thru XXXX in XXXX which was cancelled due to the closing of the airports in XXXX and XXXX, and although XXXX in written statement telling me I would receive credit for the charges, I have yet to see any credit, even though I had asked and tried multiple times to get it.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (FL)

IM TRYING TO GET A DISCOVER TO REMOVE CHARGE OFF FROM MY CREDIT REPORTS, I HAVE NO CONTRACTUAL AGREEMENT WITH THE COLLECTION COMPANIES XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXX  AND THEY REPORTING NEGATIVE INFORMATION.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I've sent letters, filled out forms, and called several times to have the fraud alert removed. XXXX will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Consumer complaint received 2023-08-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (GA)

US Auto Sales wouldn't honor warranty I paid out my pocket get car out shop they left in ... .I never signed contract with Westlake don't even know who this party is ... and my car was repossessed last night and I have money and personal things in it can't even find it through vin
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I was pre-approved with PenFed Credit Union for an auto loan ( $ XXXX, 72-month term ) at 2.99 %. I was purchasing a used vehicle private party. XXXX sent me a 2-party check to complete the vehicle purchase and fund the loan. I was contributing my own money on top of the loan to purchase the vehicle. 

To complete the transaction I gave the seller both the $ XXXX PenFed Check and a $ XXXX cashiers check from my own bank account ( total of $ XXXX ). Days later ( after Id paid {$2000.00} to ship the car ) PenFed called me and said ( a ) the rate would actually be 3.99 % because it was a used vehicle ( 2020 model year ) and ( b ) that they would not fund the check they had given me because it was a private party purchase of a vehicle that had a lien on it with the seller ( that they were paying off with the sale funds to give me a clear title ). 

None of the was explicitly disclosed to me up front, and put me in an enormously bad position of having paid partially $ XXXX for a car and $ XXXX for shipping and had the loan yanked out from under me. I ended up drawing from my saving to pay for the full purchase price with my own funds to salvage the deal. I felt bait an switched and the PenFed was all to eager to give me an approval and check up front and decide later if they would actually choose to make good on their promise, and it screwed me.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (MA)

My name was legally changed in XXXX. I have been trying for months to get Fidelity to change my name on my credit card. All of my other credit cards updated my name long ago. I also asked them to please address me by my correct name in our correspondence, since it's rude and hurtful to call me by the incorrect name. 

They persist in addressing me by the wrong name in correspondence despite my requests. This is especially frustrating because our correspondence on this issue has dragged on for months at this point. There is no good reason for them to use the wrong name when messaging me once I have pointed out that it's inaccurate and hurtful. 

Additionally, they have not provided me with the means to change my name. They first told me I would need to fill out paperwork they sent to me in the mail. It took about a month for the paperwork to arrive at all. I sent it back immediately and then they sent me a new credit card with my old ( incorrect ) name on it. 

When I followed up with them about why they sent me a new credit card with the incorrect name, they informed me that I hadn't provided evidence of a legal name change. They had not previously requested such legal evidence, despite the fact that we had been corresponding for 2 months at this point. I had filled out the paperwork they sent me about a month prior, and that paperwork never made any mention of wanting legal evidence of a name change, and therefore also didn't describe what they would accept as legal evidence of a name change. I've attached here a photo of the paperwork they sent me ( by mail, with about a month 's delay after I requested the name change ) and that I completed related to the name change, which demonstrates that they did not request any legal evidence or describe what such evidence might entail.
Consumer complaint received 2021-03-06
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. (WA)

I received a letter from I believe Equifax requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the Equifax data breach and my life has never been the same since.
Consumer complaint received 2019-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

This complain it against Fifth Third Bank. ( for the past two days ) everything starte a week ago I was receiving phone call, no name? no phone number? the phone was ringing for 2 minutes hang up. On XX/XX/XXXX I receive a phone call between XXXX afternoon a person giving me his name XXXX XXXX XXXX XXXX the first thing I thought you know this is a scam I don't know anything I bought collection he has all my personal information the person that started telling me my name he knew my name he knew my social security number!! that's against the Federal law ( the 42 sec. " " 408 Whoever ( 8 ) this disclose uses, or compels the disclosure of this social security number of any person in Violation of the law of the United State should be guilty of a felony and up conviction thereof be fined on the title 18 or imprisoned for not more than 5 years or both. '' And this individual was threatened me with legal document they I needed to sign it and there was threaten me to come to my house for my signature. according to my ucc-1 The Uniform Commercial Code I file a New York with my trademark copyright with my deceased letter they I have send to every Institution,. I'm not in the public sade, I'm a private individual protected under my ucc-1 trade name copyright.. 
Whoever violate my private security agreement trademark copyright can be up to XXXX action.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AZ)

I've requested to have the fraud alert removed from my credit report from all 3 bureaus. The alert is still on my credit report, I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.