davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (TX)

Since I received this unsolicited credit credit card I have routinely paid my balance each month and never accrued interest, despite continued problems with the credit card applying my payments incorrectly. 

I responded to an offer to transfer almost {$1000.00} that would not be subject to interest or minimum payments and since that time the company has continued to try to find ways to get out of this agreement and get me to pay this off. 

Recently, ( for the fifth or sixth time ) I complained and they agreed to place the amount - around {$980.00} - back into the suspended/promotional balance. they failed to do so. 

Shortly thereafter, for the third time, they allowed several XXXX dollars in fraudulent charges on my card and I had to get a new card. In the process of fixing this problem and transferring the balance to my new card, they once again took the promotional balance and added it to the regular balance, increasing the " amount due '' by almost {$1000.00}. They have since charged me interest on this amount. 

I have had over a dozen conversations and filed written complaints that go unanswered. They have responded by punishing me and reducing my credit limit from {$14000.00} to below {$6000.00}.
Consumer complaint received 2021-08-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (NC)

Information is being reported as new the account is from XXXX. This information was removed from my credit report in XXXX the information has since been refreshed and added back to my credit report as if the reporting is new. 
From research I have found that it is illegal to put information back on to my personal credit report as new ( 9 months ) when in fact this information is old and was removed 2 yrs ago
Consumer complaint received 2019-07-15
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. (GA)

I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

On XX/XX/XXXX I sent two transactions through cash app to a, XXXX XXXX XXXX. The amount thats was sent was XXXX transaction of XXXX XXXX  and one for XXXX XXXX The exchange was supposed to be for a part to fix my car. ( A driveshaft ) After I sent the money XXXX stopped responding and my package never came. I have all the messages for proof and my bank keeps telling me that since it was an authorized transaction made on cash app, that they can not do anything. 

I paid for a product I never received. I have this mans whole name. There has to be some way to get my money back. Right? 

This is really unfortunate and this is my last chance of hope
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I have had Amex cards since 1997. I have had Membership Rewards points for a few years now. Every time I try to redeem points, they freeze my rewards account. When I call they say now that its a technical issue thats been going on for the last week, and to give it a few more days. Everytime I contact them I get another answer. This time they say its a technical error, but the error says my rewards account is being reviewed. At this point I am about to file a small claims case against them for the points and terminate my cards.
Consumer complaint received 2021-08-19
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report 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 caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

In XX/XX/XXXX I was approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XX/XX/XXXX-XX/XX/XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to zero. This is the the second time in XX/XX/XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.
Consumer complaint received 2019-07-15
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. (TX)

I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.
Consumer complaint received 2017-11-09
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. (AZ)

After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Summary : LoanCare escrow service paid taxes out of my escrow account to an incorrect parcel number in XX/XX/XXXX. They have not yet refunded me for this error or the late fees incurred as a result of taxes not being paid correctly. 

Details : On XX/XX/XXXX Loan Care sent {$1300.00} to the City of XXXX XXXX for payment of XXXX Summer Taxes. The issue is Loan Care placed the INCORRECT Parcel ID on the check so the {$1300.00} was applied to my neighbors taxes. I have met with and spoke with the City several times as well as Loan Care on Loan Cares mistake. Everyone acknowledges that Loan Care made the mistake but I have NOT yet received my {$1300.00}. 

{$60.00} : A year later, XX/XX/XXXX, Loan Care finally paid my XXXX Summer Taxes of {$1000.00} plus a late fee of {$60.00} due to Loan Care paying the XXXX taxes a year late. I am still awaiting the refund of the {$60.00} from Loan Care.

I have been contacting LoanCare with over 25 phone calls and emails since XXXX of XXXX and they are not resolving the issue. I am put on hold for hours to wait to speak to a management member who ultimately has no authority to resolve this issue. It is deferred to their " tax department '' but no attempts are made to contact me in any form. 

I sent LoanCare a very detailed letter and spreadsheet with amounts, dates and payments in XX/XX/XXXX. They said I would be contacted within 3 days. It is now 4 weeks later and I spoke to a member of their "  management team '' after being on hold for an hour and was only told that I needed to wait another week for them to decide what to do.
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio America Asset Management, LLC (NJ)

Wage garnishment levy in NJ. Account numbers and amounts sued for are inaccurate. 

See attached document s Tried to object to wage garnishment by revealing incorrect numbers sequence, wrong credit card, and illegal service to employer of wage garnishment. Should have been served by Sheriff of XXXX County. 

It was mailed to employer
Consumer complaint received 2019-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. There is no contract. This debt is not mine.
Consumer complaint received 2019-09-29
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: ID Analytics, Inc. (NY)

CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SageStream , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fax # : ( XXXX ) XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX   XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX,  XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX  ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate these occurrences.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2021-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MD)

On XX/XX/ I made my student loan payment of {$290.00} and at the same time I received a notification that my next payment will be {$550.00}. I was surprised, from seeing how much my payment jumped in a short time, and I knew the payment would be too much for me because I just started a new job and was not making enough money to cover it and my expenses at the same time. I called my student loan servicer to weigh my options. They informed of the options and I thought that forbearance would be the best option at the time. They told me that my interest would capitalize. I can not recall if they mentioned how much that would be. However, later on when I thought about it and realized how much they would be adding to my balance, I decided it would just prolong my loans and make me pay more eventually. I decided to cancel the forbearance on the day before it was due to start. I called my servicer and they agreed with my request, but they said that I would still have to make the full {$550.00} payment. I agreed and made a payment via telephone. They said it should it automatically adjust and that I was good to go. No further action necessary. I also did an income based repayment plan and that also capitalized my interest. I did not realized it until a year later I noticed that the capitalized interest was not cancelled and I was still charged twice for utilizing one service. I called Nelnet and spoke to a representative. The representative saw exactly everything that we talked about previously in the account notes. She also said that she does not understand why the forbearance did not cancel and why I was still being charged. We had a short conversation about it and she informed me it was something she would have to discuss with management and would have to get back to me with an answer. At least six months have passed and I have not received an answer, nor have I seen any adjustments made to my account.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital I e is denied my SCRA on my credit card that was opened XXXX XXXX, 2014 while I was still XXXX XXXX. 

They state because my card was not opened before military service and I do not qualify. 

I would like to know if this is true and if so how can we fix this? 

A person on XXXX XXXX should be able to receive the SCRA on credit cards that are open during service. 

Thank you.
Consumer complaint received 2019-07-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for a Heloc Loan with NewRez mortgaged company. I was declined due to my credit score being XXXX. They want my score to be at least XXXX. Later, I was approved by XXXX XXXX XXXX for a Heloc Loan. However, XXXX XXXX XXXX wanted a letter stating I was declined for the Heloc Loan. 
I have continued to reach out and I have sent email after email, call after call and NewRez have continued to fail to contact me. Please assist me because I feel they are purposely doing this to me because NewRez wanted me to apply for a personal loan instead and I said no.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

Hello, I am a previous Wells Fargo account holder. I had an account with them in XX/XX/XXXX, and closed the account due to unnecessary fees. The account was over-drafted in the amount of $ XXXX, I do not exactly recall the exact amount. 

The amount was paid prior to closing the account, as they wouldnt be able to close the account otherwise. 

Today XX/XX/XXXX, I received a call from an attorney, stating that I owe Wells Fargo {$3600.00}. It seems like they never closed my account, and let it sit to build up fees. 

I had an account with them for about an year or two, prior to closing the account. They are telling me the account wasnt closed until XX/XX/XXXX. 

I was never notified by Wells Fargo by mail, email, or phone.
Consumer complaint received 2022-08-28
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)

EXPERIAN has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EXPERIAN and providing proof they still have refused removal.
Consumer complaint received 2019-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (AZ)

I am XXXX, over XXXX years old, and I live of $ XXXX/month in XXXX income. On XX/XX/2019 I acquired a {$300.00} payday loan. At the time of signing the loan, Because of unexpected medical expenses due to my XXXX I was unable to make the payments. I contacted Spotloan Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls and charged enormous fees which added up to {$720.00}, as of today. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX in their area, also without success. I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, which TransUnion reports negatively that I owe this company. There is no contract. 

This debt is not mine.
Consumer complaint received 2019-09-29
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I disputed the following inquires with Equifax and within a few days their response was that everything was confirmed. You would think with their Breach that they would be more vigilant regarding accurate reporting of the inquires. They already have a black-eye because I was one of the people who's information was leaked. 
So not only did they not do a proper inquiry into my issues, they did made me feel as if it was my fault that 10+inquries some from the same company would be on my report dropping the score. 
XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/game Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Bank XXXX XXXX from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX Inquiry from XX/XX/XXXX Half of these I don't recognize and some of them have repeats ... .how could you not investigate these issues given the fact that they are not accurate and they did not even do their due diligence. I'm insulted that they answered the inquiry in days like they didn't even bother.