davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I am submitting a compliment again Comenity bank for unfair practicing and wrongful charging of fees of my account, when it was their system that was having the issue when I was trying to log into my online account while I was out of town. As I normally don't pay online because of the early cut off period to make an online payment, I normally go into the local store to make my payment so that I am not late. But on XX/XX/XXXX between XXXX XXXX my time I was not able to access my account online to make payment because it was giving me a system error, so when I got home I tried logging into my account and was able to successfully make the make at about XXXX am ( my time ) of the full balance {$55.00}. Now Comenity bank has charged me a late fee of {$28.00} and when calling them twice on XX/XX/XXXX, their customer services leadership and fail to remove the late fee from my account in which I always pays my bill on time and never late. Now Comentiy bank has this one-fee waiver policy for XXXX XXXX XXXX so they claim is every 18 months. So they refuse to waive the late fee because of the XX/XX/XXXX credit they gave me XXXX ago, which has been verified and stated at that time there was a widely spread known system issue with customers not being able to make payments and access their account and Comenity Bank acknowledged that and agreed to waive ALL customers late fees from that time frame. Customers should not be punished by your system failures nor should they be penalized. That issue that was happening in XXXX should not go against a customer one-time fee waiver policy that Comenity bank has in place and nor should customers be subject to fees charged to their account when your system was the reason for their late payment. I have did a formal complaint on XX/XX/XXXX Reference # XXXX and did not heard anything as I requested from this complaint. So After filing XXXX complaint Comenity bank is still denying my request for the late fee removal and is failing to address all the proper cause of this, stating that their online system was working and to known it was not, cause I could not login. So the going back and forward with me ( the customer ) stating their system was not working for me to login and Comenity stating it was will be an ongoing battle to be proven, as Comenity Bank is failing to note their one-time fee waiver policy along with providing me with all the finding of my online account login attempts that was actually made, because Comenity bank is showing that the last time I login as of XXXX was XXXX XXXX and that is not correct, which also proves that their system has an issue if they are stating that my last long in as of XXXX was XX/XX/XXXX. Comenity bank needs to abide by their policies, and their policy is to allow a one-time courtesy fee waiver every XXXX, not considering the widely known system issue back in XX/XX/XXXX, that was affecting numerous customers not being able to access their online account.
Consumer complaint received 2023-06-11
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: CITIBANK, N.A. (DC)

XXXX reported incorrect information to Citibank when I applied for a personal credit I sent a letter to XXXX about the issues but nothing has been resolved
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

IC System is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that IC SYSTEM is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not  send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc. (CA)

XX/XX/XXXX-opened a " checking '' account with XXXX XXXX it is advertised as a checking account XX/XX/XXXX-fund account 1200.00 - my merchant banking deposits from processing my business credit card is connected to this account.

XX/XX/XXXX-i contact XXXX XXXX to ask where my debit card for my account is they say it would arrive within the next couple days XX/XX/XXXX-still no card and im now being told that it will be another 14-18 days for it to arrive ive also been told that this account is not a checking account as it was advertised online i can not order checks to this account. it is just a debit card. that is not what i signed up for or agreed to " free checking '' because of app problems i can not link another external account to withdraw my money. i have also contact XXXX XXXX XXXX who actually holds the account and the phone just rings and rings.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

The foreclosure dates given was XX/XX/2019 I called before that date and they changed it to XX/XX/2019 and I called again and was told the foreclosure date was suspended and will get the information in writing never received anything in writing. Almost everyday and Im told different things from varies operators. Finally spoke to the XXXX he said that he would fax it today and still havent received anything. Also I received a modification application and I filed it out and they said that I was denied but I sent it on time.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-09
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. (WA)

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.
Consumer complaint received 2019-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Consultants Inc. (TX)

I received a notice of collection from Accounts Receivable Consultants Inc. regarding a medical debit. On XX/XX/2019 I responded that I did not agree with the amount that I had made payments and they did response with the bill. I received a response about the amount due and responsibility of my husband. On XX/XX/2019 I sent a notice that I had made two payments directly to XXXX XXXX XXXX so that the amounts they were trying to collect I did not agree. Then instead of them trying to find one payment missing they just sent me the same bill but there is still one payment missing that I have been letting them know since I received the first collection letter. XXXX I sent them another letter telling them of the missing payment amount and date it was sent and cashed. But then I received a call from them today and the person that called was very rude and threatening to report me and my husband to the credit bureau. I was trying to explain to her the reason why I had not paid it and she would not let me speak and said he have already responded and if you do not pay today we are reporting you to the credit bureau. And just to mention that she did not say she was trying to collect a debit or call was being recorded as you are required by law. Since she would not let me speak and made me mad did tell her to go XXXX herself and I hung up. Then she turns around and calls my husband with the same threat and made my husband mad that he hung up on her. I think her name is XXXX XXXX.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

My mortgage company claims that I did not make my XX/XX/2019 payment of {$980.00}. The money was drafted from my credit union account on XX/XX/2019. I have repeatedly called Caliber, the mortgage company, as well as written a letter and emailed them. Nobody will take the time to listen or investigate. This has caused many sleepless nights and much follow- up time on my part. My home is very important to me, as is my credit rating. Their error is costing me both, and they answer my queries in a very superficial way, in effect labeling me confused or worse yet, dishonest. 
I have included a copy of my payment history record for the month of XXXX, 2019. This was provided by the mortgage company. In XXXX there are nine transactions for {$980.00}, the amount of my mortgage payment. 
The first transaction was on XXXX first. Because I was a little short for the payment I requested that they apply their promise program to give me a weeks grace period and they agreed. I handled this over the phone and the representative said he had rescheduled my payment for XX/XX/XXXX. 
The representative apparently rescheduled the payment but did not cancel the original withdrawal. They tried to withdraw the {$980.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both payments bounced. They processed a payment reversal on XX/XX/XXXX and again on XX/XX/XXXX. These four transactions offset. 
There were two transactions for the same {$980.00} amount to unapplied funds. One was positive one negative so they too, offset. 
On XX/XX/2019 there is a {$980.00} transaction recorded as a cash receipt. THIS IS THE PAYMENT DRAFTED FROM MY CREDIT UNION!!!! THIS IS MY XXXX MORTGAGE PAYMENT!!! However they did not record it as interest and principle, which is how they record all monthly mortgage payments. 
On XX/XX/XXXX, this amount was subtracted and listed as a {$980.00} escrow refund. In effect they increased the amount in my escrow account by the amount of my XXXX payment. I just received a letter from them saying my monthly escrow payment would be decreased due to the high balance in my escrow account. 
The end result is they took the cash they received for my XXXX mortgage payment and applied it to my escrow account. They then claim that I never made a XXXX mortgage payment, and are assessing me late fees for not making a payment. I have to be the only person in the world that forgoes paying my mortgage to make a deposit equal to my mortgage payment into my escrow account. 

I am including a copy of this payment history details provided by the mortgage company, and my credit union statement showing the payment left my account. 

I can provide my payment history from Caliber Home Loans as proof that they have messed up as well as my XXXX bank statement to reiterate that the money was taken from my account.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my account due to me asking for an accommodation under the XXXX for my XXXX. Chase felt I was not patience enough to accommodate my XXXX and closed the account. 
When they closed they account, I requested that they never contact me again because it would remind me of the discrimination and that I am XXXX and can not expect equal access to good and services from companies that do not accommodate the XXXX. Despite my requests Chase continues to email me asking me to sign into my secure message center. Each time it makes me feel horrible and reminds me of the day they threw me out of the bank keeping my ID and a check, I feel bad because of this and just want peace.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019 I send a letter to both the credit Bureau and USBK COURT, I requested validation of negative information that was reported by USBK COURT in my credit file, I received a letter from the court that said the court does not report to credit agency, I also contacted XXXX and a freeze was placed on my credit file, I submitted both documents to TransUnion for validation, I receive a letter declaring the information being report was correct and accurate after their investigation was completed. 

In response to their claim that USBK COURT verified the account as accurate, on XX/XX/2019, I requested copies of any documents provided and description of the procedure used to determine the accuracy and completeness of the information. 

On XX/XX/2019, I received reinvestigation results from Transunion that Verified As Accurate. this listed item is entirely inaccurate and incomplete.
Consumer complaint received 2019-06-19
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2019 Syncb/Walmart National Credit Cards/ Airline put in a inquiry on my credit report. I have not applied for any credit cards or airline credit cards at all and I would like this off of my credit report. I have worked very hard to fix my credit score and this is not helping it. I have not giving my information or  permission for such credit to be ran by this company and they said there is nothing they can do about it.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Finance Company, LLC (NY)

I had a XXXX credit card from Continental Finance co. and because of hard times and illness could not pay it. They hired a company called XXXX XXXX XXXX XXXX. to harass me and my extended family members. They called my x-wife and grown daughter and told them they were looking for me with legal papers to serve. They have nothing to do with this. They also keep calling me with the same threat. They won't let up. I asked them to stop and send me some paperwork on this and they refused. Spoke to XXXX @ XXXX XXXX XXXX. They are clearly breaking the FDCPA law 15 u.s.c. 1692 against harassing the debtor. They call and say they standing outside my house ready to come in. This is crazy. Please help me with this situation.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against XXXX and Equifax is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX  regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my XXXX  and Equifax reports immediately and that I am provided a copy of the updated reports for my records.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (TX)

The original creditor XXXX XXXX XXXX opened the account XXXX XXXX. Debt was last reported XX/XX/2017 and was paid. The account is showing closed in the amount of {$0.00}. I was told by company that account would be completely removed from credit report once paid. Having this account showing on all credit reports display negatively to future creditors.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2019, I did a promotional balance transfer from a Carnival Master Card issued by Barclay. The balance transfer was never issued to my Visa. I was charged the transfer fee of XXXX and the transfer amount of XXXX. I begin making calls on XX/XX/2019. They informed me the balance transfer number was wrong and is being investigated. They informed me the issue would be resolved in 30 days. I called back XX/XX/2019. They informed me they have expedited my issue and it should be resolved 24/48 hours. They told me to call back on XX/XX/2019. I waited and called back XX/XX/2019. The person I spoke with said it will take 30 days to be resolved. I explained to them it has already been a month and a half. He hung up. I called back spoke with another person. I requested a supervisor. I was told it will take 24/48 hours. I am concerned this transfer is a scam.