davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
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. (HI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
Consumer complaint received 2024-03-27
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: Affirm Holdings, Inc (CA)

XX/XX/XXXX of 2023. I booked a hotel through XXXX. and use the affirm payment method. I booked this hotel XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX XXXX the month and a half before... 
I came down with XXXX  XX/XX/2023. 
I called XXXX and the hotel. And left them the message saying that I was sick and that I couldn't come down and stay in the hotel. I even notified Affirm. After that I got a bill from the hotel saying I owed them.. I was on the phone to XXXX. to tell them I called the hotel the day I got sick and said I was not staying or could not stay in their hotel because I was sick. They said the manager would call me back and he never did. I was on the chat to XXXX. they got a hold of affirm.. XXXX call the hotel the XXXX XXXX  XXXX And the manager told XXXX that I would not be charged!! 
So affirm now is hassling me. They had an investigation going. I never heard another word about it.. Now I see it on my credit report that I have collections with affirm.. AFTER I WAS TOLD BY XXXX I DID NOT OWE THAT HOTEL ANY MONEY. AND THAT HOTEL BACKED OUT OF THEIR WORD TELLING XXXX I DIDN'T KNOW A THING! BECAUSE I GOT SICK WITH COVID! AND I NOTIFIED EVERYBODY!! 
NOW IT'S ON MY CREDIT REPORT THAT I OWE AFFIRM!!. 
I WAS SICK WITH XXXX... I TOLD EVERYBODY THAT AT THE TIME. AND THE XXXX XXXX MANAGER LIED TO XXXX AND HE CHARGED ME AFTER HE WAS NOTIFIED I WASN'T GOING TO MAKE IT!!!.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MO)

BBVA USA XXXX PNC Checking account migrated from Simple. I was charged NSF fees, despite having been told the only fees that would apply to the account after migration would be paper statement fees, which I avoided by moving to paperless. I was charged these fees beginning XX/XX/XXXX. If notice was provided about these fees, it was deliberately obtuse, and I have no recollection of such notice. They have since been charging fees- even after I blocked my debit card and demanded that they close the account. I demanded account closure on XX/XX/XXXX by phone, and have been charged five NSF fees since, totaling {$160.00}. They received a letter via certified mail on XX/XX/XXXX demanding that they close all of my accounts, and I have received no response, and my accounts remain open. I have used their support message system at least twice to demand refund of these fees and the closure of my account. The only response I have received is a standard demand for funding the account before closure, in addition to threatening more fees. I need this account closed immediately, and they seem intent on ignoring my demands and charging me as many fees as they can get away with.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Had a XXXX Credit Card through Comenity Bank ( worst bank ever )! Did not use card and then get charged a fee for not using card so I told them to close the account. I didn't use it that often and to get charged when not using it is ridiculous. But they would not close account and kept charging me {$10.00} so i finally paid {$30.00} to just get rid of them and they finally said they would close account. Several months later I got notice from a collection agency regarding outstanding bill. Now 5 years later it up to {$300.00}. What can I do? This account was closed and bank still charged!!! This is 5 years later!!!
Consumer complaint received 2019-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2019, I mailed ( per instructions from WF ) two checks that represented IRA rollovers in two separate Priority Mail envelopes to the address provided by the Wells Fargo ira savings representatives. The delivery of both packages occurred on XX/XX/2019 at XXXX, and both envelopes were signed for by the same person. On XX/XX/2019, my IRA savings account was credited for one of the checks, {$22000.00}, but not the other check in the amount of {$120000.00}. 
I phoned Wells Fargo on XX/XX/2019 to inquire about the missing deposit, and was told that they do not know where the check is, and that they would escalate the issue and that I should call back on Wednesday. 
This is completely unacceptable as a transaction, first because both envelopes were received on MOnday and then a credit was not done until Thursday, and second, because the credit was only done for one of the checks. Both checks were payable to Wells Fargo fbo .. ( insert my name ).
Consumer complaint received 2022-12-02
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. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2009we sold our home in XXXX Ca.  The mortgage company said they would give us a no interest loan for the difference in the selling price of our home.  We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time.  Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency.  The money amount on the Promissory notice is different from the written amount.  The payment for the note was $1250.00.  I paid $50,000 on this note for my mortgage at XXXX XXXX XXXX  Then I lost my job after 34 years.  XX/XX/went out of business in the real estate scandals that went on inXX/XX/2009  They sold the note to XXXXl, I contacted them in XX/XX/2012and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer.  I went to an attorney and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with XX/XX/XXXX in 2016 they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations.  My husband was employed throughout this fiasco, I ask XX/XX/XXXX on several occasions to take this to court so we could deal with it legally, they choose not to do it.  I believe it's because they knew this was an unenforceable agreement.  I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XX/XX/XXXX credit it is stopping us from purchasing it.  I have written to the Credit Bureaus disputing this account and they will not remove it because XX/XX/XXXXl keeps saying it’s a debt owed to them.  Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX Fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 My only employer is XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2018-06-27
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: BARCLAYS BANK DELAWARE (CA)

PLEASE BE ADVISE THAT I AND MY ATTORNEY WERE IN DISPUTES WITH XXXX XXXX XXXX XXXX OVER CREDIT THAT WAS AWARDED AND THEN THEY WANTED TO TAKE BACK, DUE TO A ERROR MADE BY XXXX AND THE CONSUMER/ XXXX RXXXX XXXX FROM XXXX XXXX XXXX. ME AND BY ATTORNEY WERE ON A DISPUTES DECISION ON MY XX/XX/2015 XXXX BILLING STATEMENT. XXXX THEN DID NOT NOTIFIED ME OR MY ATTORNEY OF THEIR DECISION OF CURRENT DISPUTES ON XXXX XXXX CREDIT CARD STARTED CHARGING MY CREDIT CARD, WITH NO NOTIFICATION OR BILLING STATEMENT.. TO ME OR THE ATTORNEY OFFICE OF XXXX & XXXX.WITH NO KNOWLEDGE OF THEM CHARGING ME, I AM NOW 90 LATE ON MY XXXX CREDIT CARD.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

Citibank has taken money from my savings account on various occasions without my authoriation. XXXX, XXXX and XXXX. Specific instructions were give for the XXXX and not followed. XXXX and XXXX were never authorized by me to be taken for a bill pay which i have always paid on my way to citibank. The XXXX was specifically instructed to the representative of citibank to be transferred to a new account i opened with a didferent bank. She decided to transfer it to my checking account at citibank because it was overdrawn by citibank themselves by processing a payment from an account that had no money in it. Citibank has also taken XXXX from my savings to even out an overdraw from a fraud situation. No authorization was given to citibank for these transactions to occur.
Consumer complaint received 2019-10-15
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: U.S. BANCORP (OR)

I have a checking account and a savings account with US Bank N.A.. I do not have -- and never have had -- any credit accounts with US Bank and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, US Bank continues to access my XXXX credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by US Bank  on XX/XX/2019. They have also done this two times previously. Again, US Bank has absolutely no permissible purpose whatsoever and XXXX  also negligently gives US Bank completely unauthorized access to my credit reports. 

I have phoned US Bank on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with XXXX. 

Today I spoke with XXXX. They said there is nothing they can or will do. The problem, they claim, can only be solved by US Bank. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why XXXX  was negligent in allowing this to happen. If no satisfactory results are given, I may use  the courts to seek statutory damages per the FCRA.
Consumer complaint received 2016-02-02
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: GABA LAW CORPORATION (CA)

I currently have XXXX private student loans which were sold to debt collection agencies. The first loan has sent me an invoice with what I owe, total interest, a breakdown of monthly payments due, and when my loan will be paid off. The second loan is with an unregulated debt collection office called Gaba Law Corporation. The only actual lawyer there is the owner and the XXXX people I have dealt with are not lawyers. When I ask them for info on what interest will be charged and how much interest I have paid up to date, they do not give me straight answers. The person who handles my file is very short with me and instead of giving clear info like how much interest I paid for the month or by when my loan will be paid off, he sends me short, irritated emails with vague information. In XXXX my balance was {$7200.00} and I have since paid {$470.00}. My balance is now {$7000.00}. Only 40 % of my money went to principal. 
My other debt has charged me 10 % for the total amount owed annually, so it 's a set amount for the year and I make monthly payments which lowers the principal substantially. Gaga Law Corp. charges this 10 % interest per day, and changes the amount every single day so I can never keep up with what I have paid and what I owe. As far as i 'm concerned with what I can afford to pay them I 'll be paying them for countless years considering the amount of interest I am being charged. I have emails proving all of this information above showing the vague, unhelpful, rude emails they send me when I ask for simple information.
Consumer complaint received 2021-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I intially applied for Public Service loan forgiveness in XX/XX/XXXX. I was immediately denied for PSLF, which I expected, and then sent an email applying for TEPSLF. I did not hear any reply until XX/XX/XXXX. I was sent a form saying that I was at XXXX TEPSLF payments as of XX/XX/XXXX ( See attached document ). That would make me eligible after my XX/XX/XXXX payment. I talked with several customer service representatives to get a breakdown of payments. I was told that I had a period of forbearance in XXXX. I have a tax statement from my borrower during that time showing at least one payment. I submitted that document to MYFEDLOAN for review of that payment. Thinking that I could move my eligibility date up from XX/XX/XXXX. I have not heard a response from that review. I have called every week since XXXX to get a ruling and the only response I get is that it could take 90 days and it's in Treasury department within myfedloan. 

I submitted another PSLF application on XX/XX/XXXX, was denied for PSLF immediately, and sent in the follow-up email for TEPSLF review. I have not heard anything on that response and keep being told it's in review. 

Myfedloan updated their website to have a payment counter in XXXX of XXXX and showed that I was eligible for TEPSLF with employment certification regardless of the XX/XX/XXXX review. I submitted another combined PSLF/TEPSLF application on XX/XX/XXXX and was denied PSLF on XX/XX/XXXX. I have not heard a response on the TEPSLF status. I have been in contact with a call center supervisor who keeps telling me that my XXXX review has to go through even though their website says I'm eligible for TEPSLF according to their website.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Direct Recovery Services, LLC (MI)

I have received a call from this company at the phone number XXXX. They are threatining me to contact them today ( XX/XX/2019 ) or they will be forced to file some sort of lawsuit against me on XX/XX/2019. They also called me yesterday ( XX/XX/2019 ) and made the same threat to contact them before XXXX. I'm not sure what type of debt this Is, being that I am already In a financial crunch since XX/XX/2019 from being laid off from my other job, but they mentioned something about banning my social security number or something strange like that. I really don't know. I can't afford a lawyer at this time, and I would like these calls to stop being that I am already dealing with a lot at this point In my life.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also this company never gave me paperwork informing me that I have the right to Opt out of these items being reported to my credit report. That is deceitful and against the FRA LAWS. please see attached invoice for the remedy of civil liability.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has repeatedly called several of my family members. The have contacted my father two times  leaving voicemails stating the nature of his call and left for specifcally adressing me not my father, the last call/voicemail was left on XX/XX/2019. They have contacted my brother XXXX XXXX twice and left voicemails stating the nature of their business and specifically adressing me not my brother. The most recent phine call/voicemail to my brother was on XX/XX/2019, also during which he stated that i have failed to address the issue with him several times now. It is the same person named XXXX? who claims to be my senior account manager. I spoke to a person with American Express in early XXXX and discussed my financial situation and that i could not pay the debt currently. They have now chosen to harrass my family members and attempt to tarnish my image with them.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I have spoke to several different representatives at Jefferson Captial they claimed they verified this debt but failed to send proof. Mind you this happen in XXXX the alleged original creditor XXXX. I spoke with XXXX n XXXX my name didnt match, my social security number or my date of birth or drivers license number didnt match. All of which is required to obtain service with XXXX Mind you I have had XXXX since XXXX never have I had XXXX Jefferson captial in XXXX removed the fraudulent collection for XXXX. XX/XX/XXXX -XXXX XXXX Jefferson Captial put this on my report again. I spoke with several representatives that told me the social dob did not match and not to worry it would be removed. Almost XXXX and its still showing called them today XX/XX/XXXX spoke with a XXXX he again said he doesnt understand because the information doesnt match. I have sent many certificated letter every XXXX days with my personal information on there only for this to still be reporting fraudulent. My next step will be to file suit towards Jefferson Capital. All they have told me was a common name. I also have spoke with XXXX who took over XXXX, they said they have all records from previous and current customers of XXXX and they did NOT have any of my information they had several with same name and last but not my social security number, dob, or drivers license number. Which they said all would be required to run a credit check to obtain services. My credit has never been ran by neither of the 3 credit bureaus. I have checked in XXXX and currently XXXX. I need to see the purchase agreement, proof of my social security number dob, signature and the statue of limitations of this debit and the purchase agreement. And if they claimed its verified I need to see proof that verified this because I have never had XXXX!
Consumer complaint received 2018-06-27
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. (MI)

Dear CFPB, Thank you for allowing me to submit this complaint. 
XXXX XXXX XXXX XXXX recently submitted to Transunion a credit reporting agency that I was 30,60,90 days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from XXXX acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
~XXXX XXXXXXXX
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

In XX/XX/XXXX, I opened an account with XXXX, account number XXXX, in response to a promotion at the store. The clerk at the store used an old address ( off my driver 's license ) to open the account instead of the correct address I wrote in handwriting on the application. When I called to close the account ( because I never received an actual card ), I was told that the statement was sent to the old address in XXXX and that they would send me a statement for the account balance of {$23.00} to my new address. The account was closed on XX/XX/XXXX, and I sent a check for {$23.00} for the account balance on XX/XX/XXXX. XXXX then sent me a new account statement for {$24.00} in late fees for a {$23.00} balance even though any late fee was attributable to their own mistake in issuing a card to an old address. They continue to mount late fees of 100 % interest each month. Please help. XXXX XXXX