davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have many credit cards and I pay off my balance in full every month. The card in question is a Comenity Bank issued Caesars Visa card. In my XX/XX/2022 statement, there were transactions totaling {$39.00}. As I was paying my bills, I had to hand write the address because the cc company did not attach an envelope which I had complained about before. I sent in my payment early ( about 10 business days ) and even decided to use the card at where it was issued on my trip. XXXX my horror when I received my new statement in XXXX and aside from my charges, there was a late fee of {$29.00} and interest changed of {$3.00}. I called the cc company to resolve the issue and was told the company received my payment on XX/XX/2022 instead of the due date of XX/XX/2022. The staff could not take off the charges so I asked to speak to a supervisor. He said they had given me a pass about 8 months ago. On further research, I read that the main bank company ( Alliance Data ) and its subsidiary banks have trimmed staff etc.I don't believe the postal service is that inefficient that the mail takes so long that the supervisor blames it on the postal service. Who knows when the bank staff input the payments etc in light of labor shortages due to covid etc.I am complaining based on principle because I believe it is unfair and that management gets the complaint and that the CFPB is aware of abuses like this. I have spent more time on this than it is worth but I believe it is my civic duty to speak out. I am sure others have just paid and moved on which is what I am sure the bank is counting on. Wrong... please look into it. The supervisor there at Comenity is XXXX # XXXX.
Consumer complaint received 2020-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (GA)

I have full documentation including a certified letter from TD Auto Finance that my account was paid in full and closed for a auto loan. I also have a signed title in hand from them. 

I called them multiple times to ensure my auto loan payoff quote was accurate and the money sent was processed accordingly. They ensured me it was. Once the account was paid and closed they called me 30 days later saying they " misapplied '' funds and that I owe them {$12000.00} still. 

I told them I would not send them anymore money as i have all documents showing where money was paid and letter of confirmation from them along with the recorded multiple phone calls to ensure accuracy. 

Unfortunately they were wrong and made their own mistakes that they are responsible for not me.
Consumer complaint received 2021-11-05
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: ACIMA CREDIT, LLC (PA)

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-02-03
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. (CA)

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


Bankruptcy XXXX XXXX Docket # : XXXX
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (ME)

This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and experian refuses to remove
Consumer complaint received 2022-02-03
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. (GA)

Transunion responded to my complaint ( XXXX XXXX ) of them negligently penalizing my credit rating by XXXX points from an account that had already apologized for incorrectly reporting a paid in full account ( no missed payments ) as a charge off in XXXX ( XXXX XXXX XXXX XXXX XXXX, to which I was penalized over XXXX points ) by only restoring XXXX of the XXXX points taken. TransUnion and XXXX returned less than half of the 130+ points taken in XXXX by restoring XXXX points. If it was a negligent detraction from my score initially why are they not replacing all of the points taken? This is double jeopardy. Please have them to return all of my points stolen. I have no late payments in well over 10 years and the credit score I had previously did not represent my credit rating because as stated before over 130 points were taken in XXXX and I was only returned XXXX. My credit rating should have been over 800 by now. 

Thank you in advance,
Consumer complaint received 2021-12-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

I applied online for an unsecured personal loan with Wells Fargo. I was conditionally approved ( Application ID XXXX ). I spoke to a branch manager telephonically at the XXXX, California location. He indicated the loan is conditional because Im required to login to their website and agree to the terms and conditions of the loan and sign electronically. The branch manager also indicated Im not required to provide identification, W-2s, tax returns, or pay stubs. On XX/XX/2021, I logged onto the Wells Fargo website and agreed to the terms and conditions of the loan and signed electronically. On XX/XX/2021, I received electronic mail and a text message stating Wells Fargo Personal Loans We need additional documentation for your recent application. For details, sign on at wellsfargo.com/status I then signed on and the website indicated I already signed and agreed to the terms and conditions on XX/XX/2021, and the loan status is complete. There were no additional instructions on Wells Fargos website. I called a branch manager today and he indicated he does not know why I received an email and text message from Wells Fargo. I was given a telephone number to Wells Fargos advocacy group to file a complaint. I called ( XXXX ) XXXX and received an automated system that the department is closed and to call back later. The automated system did not inform what their hours of operations are. I then called the telephone number for Wells Fargos XXXX XXXX XXXX at ( XXXX ) XXXX and received an automated system that did inform what their hours of operations are. Moreover, I was told by a customer service representative the foregoing departments close at XXXXXXXX XXXX. Eastern Standard time. Im Pacific Time. Most consumers work XXXX XXXX to XXXX XXXX those hours are inconvenient for those in Pacific Time. If I work XXXX, how am I suppose to speak to someone regarding the text messages and emails Im receiving? 

Secondly, when I logged onto the website, I received a message instructing to logoff my mobile device or tablet and continue on a desktop or laptop. I dont have a desktop. It is cumbersome to find a desktop during the deadly pandemic. Im tired of being harassed with text communication and electronic mail instructing to login and complete my loan documents when I already have. Im requesting a {$10.00} reimbursement from Wells Fargo for my XXXX XXXX cost to use their desktops in an attempt to follow Wells Fargos egregious instructions.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have tried to contact portfolio collections agency they email and phone and each time have gotten no response back when I first received a letter. Now later I am trying to repay the debt and find out it is with a lawyer who also wont return my messages and I did not receive any paper work or was not served any papers for court saying this was going to happen. I am trying to buy a house and want to get this fixed but after months and months I cant get anyone to help now its defaulted and I dont know what to do. The last call and email I made was in XX/XX/2019. I get no return call about anything! I should of had this fixed months ago. I call XXXX  XXXX the original creditors and they say to call portfolio or the lawyer, and wont discuss anything, well portfolio and the lawyer dont answer! I even had the gentleman with the loan place try and call and he got no where as well.plus I think their are two cards one in my married name and one in my maiden name.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to the XXXX credit bureaus Transunion, XXXX, and XXXX to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.
Consumer complaint received 2018-10-08
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: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an XXXX credit report an inquiry was found with Nordstrom/TD Bank XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to Nordstrom/TD Bank to have this information removed. While a clearance letter dated XX/XX/2018was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the Nordstrom/TD Bank information be XXXX. This is a violation of the FCRA.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

After multiple failed attempts to reach customer service, I am having overdraft fees and negative balance fees regularly added to my account. I have not transferred funds there because I wanted to ensure that could I could take care of the first charge before erroneously adding a second. Now its stating I owe the bank {$200.00} dollars and none of my attempts to reach customer service have been successful up to this point.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My residential mortgage loan number with Flagstar Bank is XXXX. Flagstar requires that I pay them every month and a portion of my monthly payments are placed in escrow to pay property taxes and homeowners insurance. In XX/XX/2019, I changed homeowners insurance carriers. In XX/XX/2019, I contacted Flagstar and instructed them specifically not to pay the renewal of the XXXX XXXX policy and instead to pay the new carrier XXXX XXXX. They acknowledged receipt of my instruction and assured me they would not pay XXXX, and that I had given them more than sufficient notice for them to comply with my instructions. Nevertheless, Flagstar disbursed from my escrow account contrary to my explicit and clear instructions and paid both XXXX and XXXX XXXX, causing a huge shortage in my escrow account. Then Flagstar refused to assist me in getting the money back that they had improperly disbursed and instead placed the burden on me to get the money back from XXXX that Flagstar had improperly disbursed in breach of their fiduciary duty to me. I have since contacted Flagstar several times to find out how and why they disbursed contrary to my escrow instructions, to get some kind of assurance that they will implement corrective procedures and processes in order to avoid doing the same thing in the future to me or any other borrower whose loans they are servicing. My communications with Flagstar have been met with callous indifference and a belligerent attitude that they are above reproach and how dare I complain about the financial and emotional distress they inflicted upon me when they disbursed from my escrow account in violation of my explicit and clear instructions in breach of their fiduciary duties. My contact at Flagstar was XXXX XXXX in the Arizona office. Her phone is XXXX. Ms. XXXX has done nothing for me but offer unctuous prevarications and lies. Ms. XXXX exemplifies Flagstar 's callous, uncaring, inhuman, dishonest, and corrupt conduct. If I miss a payment that is due by even one day, Flagstar has their collectors harass me for payment, but when they willfully and wantonly breach their fiduciary duties to me, they act like they did nothing wrong and they refuse to be accountable or to take any responsibility for their despicable, dishonest, and careless actions.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (AL)

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, Equifax, XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-02-03
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. (SC)

This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I have tried to resolve this issue with XXXX  and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is AFNI opened XX/XX/XXXX amount XXXX the company or XXXX  who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
Consumer complaint received 2019-08-23
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 have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Consumer complaint received 2020-01-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AES/PHEAA (MA)

I received letters from the debt collector XXXX XXXX XXXX threaten to garnish wage this is absolutely not fair because we are willing to pay the student loan balance but the loan balance must be correct and must be agreed between lender and borrower. Since I do not agree with a loan term even I already cancelled but the loan service ignored my request because of this I stopped making payment to the loan service due to wrong information of loan ; it should not 'consolidation '. Loan service transferred loan to collection agency and they demand borrower to pay the collection fees this is not right. I have attached documents for your review.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

Recently on XX/XX/2020, I mailed out a validation letter to Wells Fargo Bank, Nevada. The reason for this validation is a report on my credit history that I have not previously received validation for in the amount of {$9800.00}. Today, on XX/XX/2020 i received this same letter back with a return to sender stamp, unclaimed. I have also made a 2nd attempt to reach the company via fax, their fax number on record currently being XXXX. I have no recollection of this debt, and my request for validation of this debt has not been provided.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (CA)

The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX