davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (CO)

I open a credit card with comenity bank on XX/XX/2021 till now I dont get my credit card and they are charging me i pay XXXX $ once the guy told me all my payment is XXXX $ know they are calling again to pay XXXX $ more because there was payment remaining but they never try to help me with my credit card and dont send me
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NY)

I had an account with XXXX XXXX Acc : XXXX from XXXX to XXXX which I later ended because my apt building was providing free internet. After some time, XX/XX/XXXX, I had a slow connection in the apt building so I opted to get my own router from XXXX  and reactivate my old account which was already connected to my phone app and mobile. This I directly stated to the XXXX  representative. a few days later the internet connection with the XXXX  router was not any better and so I called XXXX  to deactivate my account and I decided to go back to the apt internet. At this time I did not know that they had assigned me a new Acc XXXX. I kept checking my mobile XXXX  app that continued to show that I had XXXX balance to pay. I did not receive any email or mail from XXXX informing me of any outstanding bills apart from the non solicited advertising mails/emails. I did not receive any communication from Sequium regarding any outstanding bills. Recently I checked my credit score and I realized it had gone down by XXXX and it was due to unpaid bill from XXXX  as posted by Sequium. I contacted XXXX  who initially told me I had XXXX balance and on my 3rd attempt to get answers, that's when I was informed they had 2 accounts under my name. I have paid the bill XXXX {$170.00} ) and returned their equipment. My attempts to explain my case to Sequium have been unsuccessful. 
I feel I was treated unfairly by both XXXX  and Sequium and I am wondering why there was no free communication if this is not an act of fraud. In addition, I specifically informed the XXXX  representative that I was reactivating my old account. If by error they assigned a new account without educating me as their customer, why didn't they send me an email or give me a call to clarify this. In addition, why didn't sequium contact me about the debt before posting a negative report on my account.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

The bank this is in reference to is HSBC BANK. I tried using my card to pay my rent and it said that my card was invalid. I tried three more times same status. I contacted the bank and it said I need to wait until Monday and talk to the fraud department. I called they never gave me a reason why my direct deposit was placed on hold. I went to the bank location same results. No one knew what was going on. It has been two months, if I dont call I hear absolutely nothing from them and still no reason for holding my money and said they was closing the account. I just called again today XXXX XXXX. Still the same results just saying that they will note that I called but I still have no results. Ive became homeless because of this incident all while Im fighting XXXX.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX regarding my complaints from XXXX ( total of XXXX ). The problem is still not resolved & their records is incorrect!! 

Since XX/XX/XXXX, I have been filing complaints to get what I call JUSTICE. It took XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX, XXXX, almost 2 years to rectify the problem in the XXXX XXXX XXXX XXXX XXXX, meantime I was charged interest on money that was exempt which was never refunded. It finally took XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, to apply the XXXX remaining installments {$110000.00}. Ocwen had reverted to the entire amount & was charging me interest on the deferred as well as the interest bearing amount. In addition, {$580.00} ( HAMP Borrower Incentive Accrued ) was never addressed. 

In my statement dated XX/XX/XXXX, my principal balance was {$65000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$61000.00}. In my statement dated XX/XX/XXXX, my principal balance was {$59000.00}. 

There is no breakdown as to how they arrived at the total funds of {$9600.00} from XX/XX/XXXXXXXX. Ad the payments are made the principal including all additional payments should cause my principal to decrease ( discrepancy ). 

In addition, my payments are due in the 1st with 15 days grace period ( XXXX ). XXXX overcharges me XXXX  ( XXXX ). Payments are paid Thru XXXX XXXX but PHH Mortgage & their constituents deliberately take their money out on the XXXX & XXXX XXXX to charge me ( XXXX {$81.00} )
Consumer complaint received 2018-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires
Consumer complaint received 2024-04-08
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. (NY)

I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to Transunion, XXXX and XXXX regarding the charged off XXXX  XXXX & XXXX accounts listed and the 2 hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The 3 credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Credit Karma (KS)

XX/XX/XXXX my account was accidentally closed out with credit karma and now my money in limbo. Instead of them putting my money in a my spend account they tried to send it out into a bank account thats no longer opened and I canceled that withdraw now my money is gone.
Consumer complaint received 2022-02-06
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. (GA)

Hi! I am needing help removing my bankruptsy from my XXXX and experian report. pls pls help due to me having XXXX.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, XXXX, and TransUnion they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Consumer complaint received 2018-05-23
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. (GA)

The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I was enrolled in paperless billing for my Citibank card. I regularly have to de-select paperless billing from the moment that I log in to my account. It seems like this happens every time I log into my account. I use my paper bills to help me track when things are due. I missed my XXXX payment inadvertently because I did not receive a paper statement. I never did enroll in paperless billing. This caused me to incur a {$35.00} late payment fee. I did not make the XXXX payment on time either because I did not receive a paper bill. This put me having a 30 day late payment on my credit report and incurring another {$35.00} late payment fee. I made a {$130.00} payment on XX/XX/XXXX. I could not find online where I was enrolled in paperless billing. I thought I must have accidentally thrown away the statements. I have now missed my XX/XX/XXXX payment. I made it today on XX/XX/XXXX and realized I had missed it because I received a phone call from a number that registered to Citibank. I now will incur another {$35.00} late fee. I did finally find on the website in my account where I was showed to be enrolled in paperless billing and I have now changed it back to paper by mail. I feel that I never made the selection to change to paperless and have now incurred three {$35.00} late payment fees and a hit to my credit report.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX  5.XXXX  XXXX 6. XXXX XXXX 7. XXXX / XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX.
Consumer complaint received 2018-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I was reviewing my credit report from Transunion and XXXX  I notice a hard Inquire that I didn't give permission to have. I would like this item to be removed. from both Transunion and XXXX. and a letter stating that is have been removed.
Consumer complaint received 2022-02-06
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: EQUIFAX, INC. (MA)

The collection by XXXX XXXX XXXX is settled, paid off and closed but unfortunately still showing some money owed on Equifax reporting ONLY, which is not correct. Could it be a retaliatory move? Because, weeks prior to settlement I closed my Equifax credit monitoring account because of the monthly fee, other reporting agencies updated theirs and XXXX XXXX XXXX said its been reported as closed.
Consumer complaint received 2018-08-10
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: TIDEWATER FINANCE COMPANY, INC. (CA)

I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (TX)

I filed a dispute with Experian on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to Experian that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. Experian completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XX/XX/XXXX. Furthermore, Experian has allowed this loan to be reported a second time on my credit report under XXXX but the same account number see attached ).
Consumer complaint received 2020-07-31
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}
Consumer complaint received 2018-08-10
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: JPMORGAN CHASE & CO. (CA)

I notice a couple of hard inquiries on my credit report from XXXX   and XXXX. That I did not give permission to run my credit. 

The name of the Company was XXXX XXXX XXXX XXXX XXXX, M XXXX Please help me to correct this item. Thank you
Consumer complaint received 2022-07-08
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. (VA)

XXXX XXXX XXXX XXXX  XXXX {$12000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my Transunion, XXXX and XXXX Credit report
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that XXXX XXXX XXXX has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

XXXX of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed XXXX XXXX XXXX via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received  from XXXX XXXX XXXX has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to XXXX XXXX XXXX general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either XXXX XXXX XXXX or the Chief Compliance Officer, even though I requested them to email me a response.

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from XXXX XXXX XXXX. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have XXXX XXXX XXXX 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that XXXX XXXX XXXX has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to XXXX XXXX XXXX 's and Capital One 's response to this CFPB complaint.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BB&T CORPORATION (RI)

A letter was sent to me explaining my final payment due in XX/XX/XXXX from XXXX XXXX XXXX XXXX. Since then I received two phone calls in the same day XX/XX/XXXX which I could not answer as I was at work. No message was left on my phone for this. On the same day my husband who is not on the lease received a phone call and a message was left with him discussing my personal NPPI as to the detail of they are trying to collect a debt and the dollar amount they are looking to collect. I did not give consent of contacting my husband as he is not on this lease with me. I feel this is a violation of Privacy, FDCPA and this is a deceptive practice. There have been a number of complaints about this on the XXXX XXXX XXXX about this company doing this as well.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. InXX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Consumer complaint received 2018-05-03
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 (TX)

We had a charge on our account for contractual services that were never received according to the signed contractual obligation. The change has been disputed multiple times through Wells Fargo. Instead of investigating, Wells Fargo chooses to close the dispute without notice or comment. Wells Fargo refuses to investigate and does not protect their customer/consumer.