davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX Commenity Bank XXXX XXXX XXXX XXXX Oh XXXX Last 4 of account XXXX Phone no. XXXX XXXX XXXX XXXX XXXX I phoned them concerning a XXXX charge for a yearly membership, that I opted out of when they sent an email a few months ago My balance was at 0.00 for a very long time. 
I recently relocated to Florida part time and just had mail brought by my husband. 
In it was a bill for XXXX now they want 40.00 late fees in addition and reported it it credit bureau. 
I just phoned them. Explained multiple times being transfered, with the last transfer telling me to call back during business hours time was XXXX I got nowhere. In addition Im have a similar issue with XXXX which previously was Commenity Bank as well, now sold to another bank and they too have reported late payments and gave some line about my payments being made online need to go thru new bank etc. I have XXXX info on them an d account with them, you get absolutely nowhere talking to them
Consumer complaint received 2021-12-13
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: Colony Brands, Inc. (FL)

I have had an account with Swiss Colony LLC, ( retail sales, magazine and online ) for over 5 years and I order from them every year without a problem. This year there was a problem. I placed my order under my account and had it shipped to my wife. About a week later I noticed a credit inquiry on my wife 's XXXX report from Swiss Colony. Why?, I have the account and my wife has never applied to them. I called Swiss Colony to find out why there was in an inquiry on my wife 's report. I told them what the problem was and asked how and why would they inquire on my wife 's report and who authorized it. After about 20 minutes of them putting me on hold several times, this is the story they came back with. The order I had placed a few days before was put in my wife 's name to be billed, which is not true, it was actually put in my wife 's name to be " shipped. '' They told me at that point that had to create an account in my wife 's name and pull her credit. The only problem with that is that my wife never applied to open an account, never filled out any application, never provided her social security number and certainly never gave any form of authorization to pull her credit and create an account in her name. Swiss Colony sought out my wife 's personal information and from that obtained her social security number and proceeded to pull her credit without ANY authorization! HIGHLY ILLEGAL! When I told them what they had done was illegal and that my wife 's credit was hurt because of it, they responded with, we are sorry, but there is nothing we will do about it. I am reporting this because I am sure I am not the only person they are doing this to. I'm sure you if you look into it, they have created thousands of fake accounts under peoples names who don't even know about it. I'm telling you, this is just the tip of the iceberg!!!!!!
Consumer complaint received 2021-12-13
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you've caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

To Whom It May Concern : Portfolio Recovery is practicing unlawful practices by reporting to my credit report with debt that is not valid and they have not sent me a verification letter of the debt. I am requesting them to remove this collection off my credit report.
Consumer complaint received 2022-09-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: 1 STOP MONEY CENTERS, LLC (AZ)

. I have a title loan with 1 Stop Title and XXXX XXXX XXXX XXXX. I have paid my loan payments for many years as I have had a few longs with this company over the years. I am usually able to pay but recently I had XXXX  XXXX twice within a short period and I have side effects and financial hardship from fighting the illness. With that I called for the first time in years for help because I had already requested an extension but could not pay. The store personal transferred me to the corporate office and I spoke with XXXX. XXXX was rude from start to finish. She was very short with me when I asked for guidance. I told her I could not pay, and she responded with I cant do an extension on an extension, she repeated that, and we will continue the collection process several times. I asked what that meant because since XXXX  I have had a hard time understanding things, so I ask a lot of questions. XXXX tone was unpleasant and just kept repeating the same things as I asked what the process was, she said we will continue to call you. XXXX then said abruptly is there anything else I can help you with in the rudest manner. I was on the brink of tears, so I told her I was sorry I was getting on her nerves and ended the call just as confused as I was before calling. My bill was due XX/XX/XXXX which is the day I spoke with XXXX. They repossessed my vehicle less than 24 hours later and they did not call me even once to ask for the payment. Now they are asking for over {$4200.00} by XX/XX/XXXX because they know I wont have it and they have told me they plan to auction my vehicle if I cant pay over {$4200.00} in 2 weeks. This is predatory. I have submitted this to the XXXX XXXX XXXX, and I will work diligently to stop my vehicle from being auctioned. 
I think XXXX facilitated predatory lending practices. She led me to believe I would be able to speak with someone as a part of the collection process and make my payment with them but that did not happen. 
I called specifically to ask for help and to understand the process. I would like someone who does not work directly with XXXX to review the recordings of my calls XX/XX/XXXX to the store and with XXXX and the way she spoke to me when I called today XX/XX/XXXX
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CT)

So I had a Debt with XXXX they sold my debt to LVNV FUNDING LLC I was told by a lawyer it is against the law so they keep calling me XXXX to XXXX times a day I have Disputed it with all three credit bureau and XXXX different times
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings (TX)

On XXXX XXXX I received a bill from Speedy Cash Account, stating that I owe them {$390.00}. I immediately contacted Speedy Cash at XXXX. I informed Speedy Cash that I did not open the account and I was redirected to their fraud department. The repetitive name was XXXX. They would not share any information with me but recommended that I file a police report. I then went to the XXXX XXXX Police Department XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX Tx XXXX PXXXX XXXX XXXX ) and filed Case XXXX  XXXX with officer XXXX  XXXX Badge # XXXX. Officer XXXX connected me with XXXX XXXX XXXX # XXXX. Both officers found it to be suspicious that Speedy Cash was unable to share any account information other than that sent with the collection letter. Speedy Cash did send a follow up email asking for a copy of the police report. I did not share this with them since it has a lot of personal identification on the report. I asked them for all information used in opening the fraudulent account and they have not responded.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out. Trying to resolve this with the merchant, XXXX XXXX, they keep saying I will get a refund then backtrack saying my bank gave back the charge. They are accusing capital one of stealing my money. But yet while trying to get this resolved with capital one, they say I have to take it up with the merchant. Everyone is blaming everyone else and I can't use the service and yet my money is taken by capital one.
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF THE WEST (FL)

To whom it may concern : my complaint is as follows, in XXXX of XXXX, our XXXX XXXX XXXX XXXX XXXX trailer on loan number XXXX, had a payoff request asked for by XXXX XXXX XXXX XXXX XXXX. A check for the entire payoff amount was submitted per loan office with XXXX XXXX According to XXXX XXXX, Bank of the West had never processed original check and it was not cashed which crested late charges. XXXX XXXX coordinated that mishap with them and supposedly all was resolved. 
Bank of the West, continued to issue notices for late fees and interest fees for payment due to my account after this transaction was completed. I contacted XXXX XXXX, inquiring and was informed that Bank of the West did not process the loan payoff correctly. My apology for not having specific dates but if you check the records of Bank of the West, they have a call log as to when and how often I called and spoke with them. 

Over the next 4 months to current date there have been several calls to resolve what was initially, {$33.00} outstanding. Our position on this stands firm. These charges are not legitimate, and this account must be closed and satisfied and declared PAID IN FULL AS PROMISED. 

In addition, Bank of the West has the responsibility to report back to the credit agencies : XXXX, XXXX and XXXX, removing any negative and/or derogatory information reported against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

This letter is to inform of the fraud that was committed on Friday, XX/XX/XXXX at approximately XXXX to XXXX PM. I received a call from TD Bank with the phone number XXXX, as I picked up the phone the woman who I thought was a representative asked if I was XXXX XXXX, & informed me that there have been some fraudulent charges on my debit card. She informed me that there was a charge of {$130.00} to XXXX, {$56.00} to a gas station, and various other charges that I did not recognize. At that time she thanked me for using TDs Voice recognition. She also asked me to verify my online banking username, which I gave her not knowing that my online banking would be locked. She informed me that the banking would be locked so that she can look into these fraudulent charges, she also asked me about charges that were actual at that time. Her demeanor and the way she articulated everything was exactly as other TD representatives lol have spoken to me in the past. After she said she was looking into these fraudulent charges she asked me if I authorized a pending transaction through XXXX of {$900.00} to which I said no. She sent me a text message ( that came through XXXX number XXXX ) with a verification passcode of six digits which I gave her at that time, after I gave her the verification number I was sent an email from XXXX ( please refer to screenshots ). When I received the email I said no I did not authorize this charge she then said that this charge would temporarily go through so that TD Bank can dispute it, she asked if I was OK with the charge going through so that the dispute can be processed to which I agreed as I was not aware of how the process of disputes go as far as XXXX, so I didnt know that at that time the money was taken out of my account, the whole time I was on the phone with her I did not have access to my online banking I also received an email saying that my username was being changed. Before getting off the phone I asked her for a case number which she gave me but of course it wasnt an actual case number, and when I was finally able to log into my online banking after resetting my password several times, I saw that the {$900.00} was taking out of my account. I called TD back to make sure that the case number was filed and the dispute was filed to which I was informed that the case number did not exist and that no one from TD had actually called me. 
At that time I filed my first dispute, the next day I submitted proof of the emails and text messages that were sent to me while I was on the phone with the hacker/scammer TD representative. 
My first dispute was denied and I submitted a second dispute with this letter as well as even more proof of the fraudulent phone call and scam.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

This complaint stems from several years of attempting to get customer service equal to that given to able bodied individuals from BB & T bank, now Truist. Based on both the lack of support for XXXX customers who don't use voice telephones or TTYs, I decided to close my accounts prior to the merger of BB & T and SunTrust. Unfortunately, I was told that I would either have to obtain a notarized letter to close the accounts, or physically go to a bank. Both of these options are not possible for me given we are in a pandemic and I am XXXX XXXX. As I created some of these accounts completely online, I should be able to also close them online. Of course, BB & T has continued to charge me fees associated with the accounts. 

I have written through the online portal many times, requesting escalation to the bank 's XXXX coordinator, or to their general counsel 's office. Instead, I receive the same canned responses about how they are unable to close my accounts without taking risks with my health. But now, Truist seems too have removed the option to even initiate emails through the portal, and I seemingly have no way to get support from the bank that is holding some of my funds.
Consumer complaint received 2021-12-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Selene Holdings LLC (KY)

We have a discharge date of XX/XX/2021 from a XXXX XXXXXXXX Plan. Selene Finance who holds our Mortgage refuses to send us any statements or speak with us. They also have not reported to the Credit Agencies that we have an active Mortgage at all. Since our case was discharged our counsel will no longer help us address this continuing problem. We have spent countless hours calling, leaving voicemails and emails to Selene Finance showing them that the bankruptcy court already closed this discharge, however they still will mot speak with us or change our Loan to show that we even have a mortgage to the creditors.
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I applied for a {$500.00} loan. I was approved by CashnetUSA. They deposited {$420.00} into my checking acct. {$75.00} of the loan went to CashnetUSA for fee. I have been paying monthly ( since XX/XX/2021 ) on this loan by electronic payment debited from my checking account. I have paid a total of over {$800.00} through monthly payments for a {$420.00} loan and my balance owed on the loan as of today is {$420.00}. I basically have paid this loan down by {$4.00}, but yet have paid over {$800.00} towards the balance. This is absolutely unacceptable to do this to a person.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (CA)

In XXXX, I went sent a letter in the mail that stated that a payment was missing and I called Home Point Financial. They could not understand what was going on with the account and told me they would investigate and call me back. When I didn't get a call back, the following week I called them again to inquire if the matter was fixed, since I didn't understand what the problem was. They again told me that they didn't understand what was wrong on their end and told me to please call back again, which I did. I called a third time in XXXX ( this should all be documented in their system and I'm now calling my phone company to get the phone logs ), they said everything was current and apologized. We were traveling during the month of XXXX and in early XXXX, when we were back at home, we received a letter in the mail stating that we had not paid our mortgage! I called the company immediately and was told we were late for XXXX months of payments, dating back to XX/XX/2021. Unbelievable! I asked the representative WHY this would have happened when we have always had automatic withdrawal from Home Point Financial itself. He asked me if we had changed anything with the checking account or routing number >> NO, NO, NO. Never changed anything. He informed me that it was a glitch on their end and apologized and took the 3 months of payments from me when I was on the phone XX/XX/XXXX. The representative said he would make notes to show the error was on their end and advised me to send an email to the Correspondence Dept at Home Point, which I did. 


I want a letter from Home Point showing and stating that this was their error for our records.