davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (ID)

Several attempts have been made to pay in full and close account of victoria secret credit account manage by comenity bank, the first being on XXXX when I was verbally told the account was paid in full and the account would be closed. a payment of XXXX was also made on XXXX on XXXX a minimum interest charge on a balance that was supposed too be XXXX occured. This resulted in XXXX more late fees, and XXXX minimum interest charges over the next few months on an account that had assumingly been paid in full and closed. on XXXX Comenity bank acknowledged the confusion and credited back XXXX $ worth of late fees to my account, and again was supposed to close the account. Today, my husband and I contacted Comenity bank again and there was an outstanding balance of XXXX XXXX This was paid and again the account was asked to be closed ( however it still remains active ). There seems to be a late fee/minimum interest charge that we can not seem to get out of. Also we have been reported to the credit agencies for balances unpaid for the late fee/minimum interest re-entry syndrome. This re entry syndrome also occured on XXXX.
Consumer complaint received 2022-07-21
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Consumer complaint received 2019-07-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

So I have Bank of America on my credit report showing that I have made late payments on XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. I had never paid my account late I had called a rep and told her that I needed my due date to change because of medical problems I was having and they agreed to change my due date and they would remove the late payments and they told me to not worry that it would correct on my credit report. Now I am trying to buy a house and this is affecting my credit and I need the late payments removed please. 

Thank you
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (MA)

Received an email with attached letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that I owe them a debt for {$59000.00}. The Original Creditor was Mercedes-Benz Financial Services USA , who previously charged off the alleged debt and reported it as income. I have no contract with XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX and Mercedes-Benz Financial Services USA , about me is in direct violation of my privacy per the Privacy Act of 1974
Consumer complaint received 2019-04-30
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. (LA)

I was looking at my credit and noticed a lot of stuff on there that wasn't mine and I didn't recognize. I really need to get these items off. They are messing up my credit and my life.
Consumer complaint received 2019-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Once again, on XX/XX/19, TransUnion misreported my XXXX XXXX XXXX account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through XXXX own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.
Consumer complaint received 2019-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (LA)

twice in less than a year my account was locked out when I tried to pay. ID 7 Password saved on computer and still won't accept. Their password link doesn't accept the answers forcing me to make a several minute call to get cleared up. I pay more than asked for and they aren't making enough ... ..I guess. They make it very difficult to make over payments.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (GA)

I have tried talking to the company on two different times and all that tell me is I need to pay my debts. The company that is supposed to have turn this over for collection did not do it, all I want is something showing that I owe the debt and they won't do that. I have chased this from ever place that I know to do.
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am not aware of when this hospital visit occurred. I am pretty sure that I had insurance at the time since I do and have received Medicaid for quite some time. I tried to see if I could settle with a smaller amount and they told me no. I am a full time XXXX and haven't been working for a few months.
Consumer complaint received 2019-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (WA)

The company claims no pre payment penalty but if I try to pay my bill early it only goes to the principal and not towards my monthly payment. I have tried to set up bi weekly payments they wont accept them because " we have investors to protect. '' I try to pay on the due date they dont do same day payments and if you call after XXXX it will be processed in 48 hours. Not when I actually made the payment but whenever they choose to apply it. I can't set my payments up online. I have zero control over my own account and how it is re paid.
Consumer complaint received 2019-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC. (SC)

ECMC is currently collecting for a loan they have yet to validate. Nonetheless, due to unlawful wage garnishments that I never received notice for a few years ago as well as offset tax refunds that were never applied to the loan amount, I reached out to figure out how to resolve this issue. This has caused me much hardship and has burdened me for years and now they are adding unfair collection charges to the debt without explanation. In just one month the loan amount went up over {$1000.00}. I have educated them that I am unemployed and have been now for over a year. They refuse to offer a hardship deferment and ignore my emails. They have been threatening to garnish more wages and offset my taxes, but again I do not work. This is causing me so much stress and they are unwilling to do anything other than tack on more fees and try to collect money I dont have for a loan I dont have validation for from my school or anywhere.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX, my wife and I obtained a construction loan from XXXX XXXX XXXX XXXX  to build a home in Michigan. 

In XXXX of XXXX, we began the process of rolling the construction loan over to a mortgage. During this process, there was a delay in us receiving documents from the bank due to the processor not knowing which address to send the paperwork to. My wife and I currently reside in Florida and all prior paperwork was sent to the Florida address. 

In XXXX of XXXX, XXXX XXXX XXXX XXXX  reported a late payment to Transunion and XXXX. 

On XX/XX/XXXX, we contacted the bank and they advised it was their error and corrected it with Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the late payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX  reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that was previously removed, reappeared on our credit reports. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  who again contacted Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the last payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed twice already, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed a dispute with Transunion. 

On XX/XX/XXXX, we notified the bank. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed three times previously, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed another dispute with Transunion. We did not notify the bank. 

XXXX XXXX XXXX XXXX  advised they corrected the issue with their underwriter and core system that reports to the credit reporting agencies. 

XXXX  appears to have fixed the issue on their end. However, the error reappears with Transunion every month when the mortgage payment is reported to them. Each time this occurs our credit score drops until the issue is corrected.
Consumer complaint received 2019-04-30
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. (MO)

Just released from XXXX XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX  XXXX {$750.00} Account 3, XXXX XXXX {$550.00} Account 4, XXXX XXXX {$690.00} Account 5, XXXX XXXX {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

We had locked in a mortgage with Better Mortgage Co to purchase our home. We had agreed to the following terms within our contract and had confirmed with our Loan Consultant ( XXXX XXXX ) and Loan Coordinator ( XXXX XXXX XXXX multiple times that each was complete and ready to go. 
- My Wife XXXX and I both on title - {$15000.00} in seller credits and concessions - Signing date of XX/XX/20 at XXXX CST Today on XX/XX/20 at our time of signing, we discovered that the Better team did not complete any of these items, which cancelled our signing date and will likely result in us not closing on time. They additionally did not add my wife to the title despite having all of the docs from the title company more than 2 weeks in advance, and did not handle the concessions/credits properly allocating only {$5000.00} into the contract. This has now forced us to either cancel the contract at a {$3000.00} loss in escrow and even more financial/emotional distress of relocating without a place to live, or to take over {$15000.00} in losses at closing. XXXX XXXX has not returned messages on over 6 phone calls and 3 separate emails, while we have email confirmations from XXXX XXXX stating the above terms were completed which was clearly not the case. 

Upon bringing this up to the customer service team and attempting to get in touch with the above individuals, we have been disconnected by the agents 3 times, placed on a 35 minute hold ( which was disconnected ) and given the run around.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizen Bank Home Mortgage approved my forbearance due to COVID-19, and in XX/XX/2021, Citizen bank approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact Citizen Bank several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I got scammed because of a check I deposited in my account, I am looking for a job, I got an offer letter they sent me an email with the pictures of a check front and back told me to deposit it to buy some equipment with those funds, I deposited it but then citibank the next day blocked my online access I called them and they said the account is under review told me to call the next day So I did, they said now they are closing the account, I have my whole savings in that account I cant go to a branch because I am not in New Jersey and here in XXXX there are no citi branches, I have to wait 60 days until I get my money back, I dont understand, I have things to pay I have my car loan the rent and my savings in general.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I'm writing as an employee of a small retail furniture company in XXXX XXXX called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XXXX of XXXX I put ten checks into a XXXX mailbox to send payment to suppliers. The checks were stolen from the mailbox and taken to Wells Fargo and XXXX  XXXX XXXX branches where they were cashed fraudulently. Of the ten checks, nine of them had not been altered in any way, one had been altered to include a name that does not belong to the intended recipient. All ten checks cleared our checking account being distributed as cash to criminals by Wells Fargo and XXXX XXXXXXXX XXXX, summing up to {$170000.00}. Our bank, XXXX XXXX XXXX, has instructed me to file claims with them for each of these ten checks. In each of these claims I have provided photos of the fraudulently cleared checks, affidavits signed and notarized by the intended recipient that they did not receive the checks or funds, a Postal Inspection Services Claim ( XXXX ) # XXXX, and a XXXX XXXX Police Department XXXX XXXX XXXX ( XXXX ) Criminal Report # XXXX. The employees of our bank XXXX XXXX have been very vague and have promised that the stolen funds would be returned to us within 90 days. This has not been that case. We are going on ten months without having received our funds back. This missing {$170000.00} has caused major cash flow issues with our small retail furniture business, has hurt longstanding relationships with our suppliers, and now our very own bank XXXX XXXX this week is threatening to downgrade our credit worthiness. The bank that has given away our operating cash for more than 10 months is now questioning our credit worthiness. This is criminal. We received letters from XXXX dated XX/XX/XXXX stating that Wells Fargo and XXXX XXXX  XXXX have accepted responsibility for repaying these funds and that it may take up to ninety days to resolve. We have since received letters from XXXX dated XX/XX/XXXX stating that they have not yet received a response from Wells Fargo and XXXX XXXX XXXXXXXX regarding repayment, reiterating " as we explained when we opened your claim, the depositing bank is responsible for repayment ... if at 90 days after that date your claim has been submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered '' This is criminal. This claim will specifically address our check # XXXX for {$26000.00}, which cleared to Wells Fargo without the authorization from our company or the intended recipient. Wells Fargo has not responded to our bank XXXX, and XXXX how now stopped trying to retrieve the funds. The service we have received from XXXX has been shockingly casual. All three banks need to be held responsible for what they have done. Please see attached supporting documents and let me know what can be done. Your help with this is much appreciated.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (OH)

I am being billed for a charge that i never charged products on. I have never taken this credit card out and never made an purchases. I had to have been a part of identity fraud. 
NOw i am suppose to go to court over a card that i have never taken out. 

Thank you XXXX XXXX
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (MO)

In XX/XX/2020 I sent Experian and XX/XX/XXXX a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

Experian XXXX. XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

on  XXXX   XXXX   XXXX  I took subscription for  XXXX .Account number  XXXX  On  XXXX   XXXX  equipment was shipped by  XXXX .   On  XXXX   XXXX   XXXX  send cancellation email.   On  XXXX   XXXX  confirmation email received of returned equipment Now I see on my credit report there is a collection filed on  XXXX   XXXX   XXXX  by  XXXX  for {$460.00}