davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (SC)

I went in to the Victorias Secret store on XX/XX/XXXX. There was a promotion to apply for a VS card and save {$25.00}. I asked the cashier which credit bureau was going to be used because I have a freeze on my credit report and need to call to have it lifted so they would be able to pull my credit report. The cashier said she didnt know and that I should try and if it doesnt go through to call the customer service number. The application stated that it was pending and the cashier gave me the number for customer service. I called the number and explained what was going on. The CSR said that I would receive a letter in the mail with a code that I needed to call and provide to VS. I asked her what would happen since the promotion for the {$25.00} will end on XX/XX/XXXX. She stated that since I applied during the promotional period the {$25.00} will be applied. I received the letter in the mail that I need to lift the credit freeze and reapply for the VS card within 30 days. I called customer service and they are now saying that the {$25.00} off promotion would not be honored and that I would instead be getting todays promotion which is {$15.00}.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: REGIONS FINANCIAL CORPORATION (MO)

I was the victim on an online job recruitment scam. I was sent a check for {$5200.00} to purchase materials with. I deposited the check on XX/XX/XXXX. I sent money through XXXX and XXXX to who I thought were XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they returned the check and I am now over XXXX XXXX dollars negative in my bank account.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I froze my credit report and tried to unfreeze it at a later point. I used all the same information, I am sure of this. Experian refuses to unfreeze it until I send in a long list of documents that I do not have. When I try calling it is not possible to speak to a human.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Recently I applied for a new credit card from Capital One. The Card 's Landing page stated that if I was not approved for the card I had sekected, I would see a list of cards that I would be considered for. 
My application was declined, and no other cards were offered to me. 
I also recently received a letter from Capital One with the reasons for denial : 1. Too many recent inquiries. 
How many inquiries is too many? There is no language on the bank 's website informing me of how many they consider to be too many, so that I can avoid an unnecessary hard inquiry. 

2. Too many new revolving accounts : Once again, there is no information on the website informing me of how many new accounts are considered too many. It would have been nice to know the exact number, so that I could've avoided a hard inquiry. 


3. Too many new revolving accounts : Once again : how many accounts are considered too many? 

3. Too many recent credit inquiries : Yet again : how many is too many? 
What is the difference between this denial reason, and the first one? 

I have shown a 100 % on-time payment history while I was a Capital One customer, both with them, and with all of my other credit obligations. 
I have no nogative credit marks on my credit file. 
There is no pre-qualification opportunity on the site. I have to simply have blind faith that I will be approved, so that I do not waste not one, not two, but three hard inquiries,
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I've sent a letter for validation back on XX/XX/XXXX. I've recieved no letter back in the mail. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.
Consumer complaint received 2021-07-07
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)

To date this year 2021 I have sent 6 formal and detailed disputes with Equifax via mail regarding 13 different inaccuracies and wrongful reporting. Additionally I have tried to dispute online but with difficulty and no resolution. I've logged over 19 hours on the phone with this company in an effort to resolve. The agents like clock work will look for a reason not to talk to you, will drop the call and put you on lengthy holds before ending the call. There's no reasonable effort at all made by Equifax to speak to a consumer. My credit file is also a XXXX XXXX, and they will not resolve this. Because my file is split I have extraordinary challenges to speak to someone and I am always given scripted responses vs any resolution. I have requested their executive team and have been denied access. I have requested supervisor attention as nearly every single tradeline reporting is inaccurate. I have gotten no help at all from Equifax. I have been grossly ignored. Despite more than XXXX pages of documentation sent since XXXX this year. Equifax has not responded to these several notices of inaccuracies under the FCRA to the disputes sent to them and has given me above normal challenges in getting the information corrected. These egregious errors cause significant hardships in obtaining credit and I seek help from my state and federal offices in enforcing the laws that Equifax continues to ignore. I am also a victim of their fraud and data breach so you would think this would be a motivating factor for them. Equifax seems to be given excessive privileges in facing corporate America and is abusive without limitations in practice to the consumer. I seek urgent remedy and support from my state and federal government in facing this giant as they have ignored my reasonable efforts.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX  bank ) and they continue to call my phone daily XXXX among other numbers they use.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc. (LA)

I see and hard inquiry on my credit report that I don't know anything about from Conn 's appliances Inc phone number is XXXX their address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas it happened on XX/XX/202XXXX XXXX
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (RI)

Since 2005 we have had a bad situation with our mortgage. We only owed XXXX at that time. Applied for a second mortgage with XXXX While waiting for a date to close we find out employee was fired. He took all our information and we were told he was Shopping us out 2 days before his hire date at XXXX. I contacted everyone to see what could be done. He was fired immediately. Was investigated by the FBI. We were told he would never sell mortgages again He NEVER stopped. While he made our life a nightmare with an unaffordable mortgage. Then we received modifications from different banks. Finally XXXX XXXX XXXX gave us a mortgage we could afford. After a few months we received a letter mortgage was transferred to Shellpoint. Sent the XXXX. They didnt except it. Wanted XXXX more. Nothing changed with our income as I sent them that.could NOT get my husbands 401 on a hardship. No exceptions. He had to retire 2 years sooner than he planned just to get the money. Please help us stay in our home
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bayside Capital Services, LLC (CA)

These people are calling my daughter, my parents who are XXXX years old. Last call was on XXXX to my parents upsetting them. On XXXX they contacted my daughter who live in Pennsylvania and works for the Federal Government and this jeopardizes her job. 

The reason for the mistake is the payday loan people double payments which forced the bank to close my account due to insufficient funds when my rent check, insurance checks everything bounced. I was then given a 3 day notice to quit. I almost became homeless. 
They call 5 to 6x times during the day while I'm at work STOP IT!!!!!!!!!!!!!!!!!!!! 

I already have a garnishment from the IRS, STUDENT LOANS, FRANCHISE TAX BOARD, so I don't know how they aspect to garnish my wages. I am not an expertise on the law but I already have 3 garnishments
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

Collection Professionals Inc has failed to show, after multiple requests, proper chain of title/ownership of debt. Theyve also failed to provide a wet signature of obligation to their collection agency. Citing 15 USC 1692G. 
XXXX continues to report falsely to the credit bureaus. Having a negative impact on this consumers score violating the consumers rights and Section 609A1A.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was negative XXXX in my account due to billI put a XXXX check inthe bank returned the paymentI have 2 issues 1 ) the bank should have covered the bill because of the check 2 ) when I first signed up for this account I had overdraft protectionwhen I called the bank I talked to a supervisor named XXXX and he basically said I was a liarI told him I have had overdraft protection and why arent they honoring that original contract..he told me they never had that which is a complete lieI have statements that prove I have had it in the pastXXXX hung up on XXXX bank is Bank of America
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

In response to my complaint to CFPB about my mortgage company 's unfair attempt to foreclose my home, SPS responded and attached a letter that was never mailed to me and was not event uploaded on their website as other documents. This document was never discussed during all my calls to SPS. The forbearance plan was never mailed to me. I was asked in XX/XX/XXXX to apply for a reinstatement, despite this letter stating that the forbearance plan is up to XX/XX/XXXX. I requested to pay on the account to reinstate it, but they declined stating that they are currently reviewing the account. between XX/XX/XXXX and XX/XX/XXXX, SPS reviewed the account and in XX/XX/XXXX asked for a payment, same request in XX/XX/XXXX. Then in XX/XX/XXXX, SPS declined payment and requested for a full payment out of the blue. When I called to find out why the reinstatement plan was not mailed to me, SPS staff could not provide any explanation, however we both realize that this was during the peak of COVID lockdown and mails were either lost or delivered late.However SPS is not will ling to review tis error and correct the mistake.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

It's been 7 months and I've yet to receive resolution with Santander Consumer. After speaking to a cus. rep 7months ago regarding being incorrectly reported to the credit bureaus. Based on the recommendation the rep expressing tge amout to pay to avoid late fees and being reported to credit bureaus. My account has been reported late in a discrepancy amount of {$120.00} base on the recommendations of this rep. In speaking with two individuals from Santander Executive Escalations department NOTHING has been resolved. All Escalations has done but make promises to callback after going through the SAME..asking many questions, deflecting the fact that the original rep, mis-spoke regarding payment. However I will not be penalized for the rep 's mistake. I've asked for the call to be pulled, which happend, however more deflection comes from Executive Escalations.

This issue has caused me not to be able to refinance. Of which I was very very clear about NOT being reported to Credit Bureaus on the " initial call ''. The first Escalations Rep stated the protocol Santander would have to submit to have this late payment reversed!! .. alluding to it was to much of a hassel on their end to reverse. The second Escalations rep, stated he listed to the call, but when asked if the rep stated the payment would not be reported as late, he began to deflict and ask " which month are you speaking of ''?. ARE YOU SERIOUS THERE'S ONLY ONE!!!!! payment reported incorrectly!! I'm willing to have phone call subpoena if need be, as yhis is on-going with NO RESOLUTION ...

This is not the way to conduct business and reporting to " every '' entity to get a resolution is what my intentions would be. 

Remove this item from my Credit Report.
Consumer complaint received 2021-07-07
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: AMERICAN EXPRESS COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have sent 3 dispute letters on the dates below because CREDIT ACCEPTANCE is reporting inaccurately and violating my rights under the FCRA and FDCPA. 

This account has been closed since XX/XX/XXXX and it is still reporting as an open account, there are late payments still reporting even after this account has been closed and this account has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX, so they are reporting old debt as new debt. 

On XX/XX/XXXX, I disputed an account reported by CREDIT ACCEPTANCE and I was informed on XX/XX/XXXX that the item was deleted from my XXXX  credit report. Now I have discovered that the item has been reinserted on my credit report and I was not notified of the reinsertion in writing within 5 business days. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

I have made payments on this account from the same bank account many times, and in fact one for a larger amount 5 days prior to the payment in question and another payment yesterday. They held my payment, and my bank confirmed was paid on XX/XX/2018. They refuse to release the payment, unless they get to talk to my bank, they have the money and have had it for days. I requested they release the funds, they say their system updates at midnight, I have patiently waited from the original request on XX/XX/2018 for them to confirm they have withdrawn funds from my bank, which they did, instead of checking to see they received the funds, they want to speak to my bank, and hear all my personal account information for verification. I use different verification tools for different accounts, and would never give them this information, this insecure from my viewpoint, and they have the funds.
Consumer complaint received 2021-07-07
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. (CA)

Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

In XXXX of 2020, I borrowed a total of {$2000.00} from these people. 

Then my work was severely impacted by the coronavirus shutdowns. I have already paid about {$500.00} in interest, or about 20 %. 

I've attempted to setup a payment plan with them, but they won't stop the accumulation of interest. They are now saying I owe them {$3100.00}. They will soon double the amount. 

At XXXX years old, I am not optimistic about finding new employment. My hours are starting to come back up, but I'm a long way in the hole. 

All I want is for them to accept the {$500.00} interest I've paid them, and let me repay the loan amount of $ 2000 monthly. 

They have done NOTHING to compensate for the pandemic. Nothing.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Credit Corporation (MS)

The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

USPS TRACKING NUMBER XXXX Delivered XXXX, PA XXXX XX/XX/2024, XXXXXXXX XXXX Transunion failed to open an investigation of dispute that was sent via certified mail. Transunion made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXt number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (PA)

First Progress/ XXXX XXXX  has been reporting this fraudulent account on my credit report 2021. I never had an account with them. The card appears to have a XXXX limit. The account is reporting a {$270.00} high balance. As well as reporting a late payment. This account is listed as an adverse account on my consumer report negatively affecting my credit worthiness.