davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

I was at XXXX XXXX and they said I would earn more points if I opened a XXXX Rewards Card, and receive a 20 % off. I shop there a lot and I Said ok. I have perfect credit of XXXX credit score and so they called in and Gave me a temporary card and I charged {$36.00} that night. When I received My statement I called Mastercard and was going to use my bank Debit Card to pay the small amount off and the recording said it will be a {$9.00} Charge to transfer and pay this off by a bank debit card so I just put the Statement in an envelope and wrote a check on XX/XX/XXXX, and mailed it It there envelope with their statement attached and the address showed on The statement to be mailed. I made a copy of both just for my records. 
I decided to cancel the card because of the charge they were going to charge And I cancelled and followed the prompts to cancel. I decided to call today And they said I had a late fee of {$28.00} plus {$2.00} and I said that is not right And they said the check did not come until XX/XX/XXXX, and I said that is impossible and they will not take this off and I know this must happen to other people because I know I mailed the check the next day but I did not send it by registered mail. I told them I had perfect credit and never have finance charges Let alone a late fee. I was very upset and told them this was taking advantage of me because they said the account is closed now and they could not change it. This is the principal of the thing and I have not received any late fee amount In the mail but they said they would send It. I ask who it would be paid to as I again said it was mailed the next day after XX/XX/20, and they said to call the Post office and made fun of me. I am XXXX but a XXXX XXXX and I fell because they know my age this must happen to others but it is not honest and I have 4 credit cards and never a late fee. I want Master Card thru I found out XXXX XXXX XXXX to take this fraudulent charge off my record. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Okla. XXXX And the credit card number is XXXX XXXX XXXX XXXX and it was paid even before it was due. This is almost double the amount I charged and it is taking Advantage of me and maybe other seniors.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (AL)

Td bank has repeatedly refused to correct inaccuracies with my XXXX account. They continue charging late fees even with every payment made on time. Td bank has my monthly amount incorrect, balances incorrect, total amount owed incorrect. I have documentation directly from XXXX verifying the monthly amounts, finance terms and balance owed. Td bank refuses to correct this on my account. They continue charging late fees for not paying the amount they have incorrect. My balance on some devices don't go down even with payments being made. My overall balance continues to increase even with payments made.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The credit agencies have been bullies to me long enough. XXXX dispute report id # XXXX is reporting false information concerning XXXX  XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
XXXX is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan navient in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. XXXX also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXX XXXX, IL. XXXX and Equifax are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

XXXX/FORTIVA is reporting negative information on my Credit Report on a debt that does not belong to me. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is holding funds from a check for {$12000.00} that was written from my XXXX XXXX XXXX XXXX. The name on the check was the business name and the subcontractor deposited the check into his personal account. When the subcontractor deposited the check Wells Fargo originally processed the check by transferring the funds from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account into the personal account of the subcontractor. Subsequently, Wells Fargo removed the funds from the subcontractor 's personal account due to the name being different on the check. Over the past 27 months the XXXXXXXX XXXX and myself have made multiple calls, visits, and filed four complaints with Wells Fargo in an attempt have the funds either returned to the XXXX or paid to the subcontractor. We were told various lies regarding what happened and was going to happen with the funds including that they had been returned to the XXXX- Wells Fargo admitted later that this is not the case. We were also told the money was sent to the state of NC and then later told that was not true. We were told to file a complaint with the bank where the check originated ( XXXX XXXX XXXX XXXX XXXX XXXX The XXXX market manager was literally shocked we brought the issue to XXXX and said it Wells Fargo must handle the issue. Wells Fargo also repeatedly refused to share with us in writing what process to follow to resolve this issue. We were told to all meet together at the local branch with ID 's and the funds would be released. We did so and they would still not release the funds.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I started a loan with Nissan Finance Corporation on XX/XX/XXXX. I was to pay {$290.00} a month for 66 months. I have been paying {$300.00} to pay off the principal earlier. I was told I would be done by XX/XX/XXXX by making extra payments. They are still saying I owe them {$130.00}. I went back in my statements online and for the entire first 10 months ( XXXX XXXX/XXXX/XXXX ) they took out NO extra principal. They also did not apply extra principal payment onXXXX. My whole account is messed up as my payment amount due only shows {$270.00} for the past statements. It also shows that I only paid {$17000.00} in principal, interest is {$2000.00} paid and I owe them {$130.00} when my loan contract shows that only paying minimum would have me at the same number. Everything is false. I called on XX/XX/XXXX and was sent to XXXX, a floor manager who called me back later that day and asked for 24 hours to get achived files. I got no phone call. On XX/XX/XXXX I spoke to XXXX who transferred me to his supervisor. She told me XXXX was on another phone call but I owe them the {$130.00}.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (PA)

I have {$3900.00} in back child support on my account that the equick pay eppic prepaid Master card company will not release to me. My child 's father contacted me in XX/XX/2019 and told me he been paying on him back child support for two years now. ( I hardly received any support from him threw out our daughters whole life. Eventually I gave up on him helping support her I just forgot she had a father and raised her by myself ) I have not received any of that money because I didn't no he was paying it. I called the Cleveland Ohio Child Support hot line to check and see if he really was making payments and yes he has been. I contacted the Ohio Equick pay EPPICard and ordered a new card. They sent me the card. I called to activate the card and it sent me to the fraud department they told me to email them my State ID. I did just that I then received a email back from they stating they received my email and the problem with me account will be resolved in 48 hours. However it was not resolved and I still have not received my money. I call them everyday and no one can tell me what's going on with my account or what to do next. At this point I don't know what else to do. That is alot of money and I don't understand why they will not release my money to me ( Ohio Child Support now goes threw a different prepaid card company. That prepaid card company that I now receive my child support payments on had almost {$3000.00} of back child support payments on it before I called them for the first time to order a card. They sent me my card with all my funds on it without a problem )
Consumer complaint received 2019-08-05
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: Experian Information Solutions Inc. (NE)

Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX experian XXXX   and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had been working with Bank of America for a loan modification since  XXXX  of  2016 . At that time, i had requested to be reviewed for the HAMP program since the program was going away. The Representative there advised that based on who my Investor was that I was able to apply for the HAMP program and there was still time as long as I applied prior to  XXXX   XXXX . 6 months later, they just barely approved me for a loan modification however, now my payments have increased and i still have an unrealistic interest rate of 6.375 %. I just dont feel that Bank of America  property evaluated me and now I am finding out that they never reviewed me for HAMP in the first place. When i contacted them they said it was too late anyways becau se that program no longer exists!
Consumer complaint received 2019-08-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has not fixed problem on reporting of my credit. They are always inaccurate in reporting scores. They constantly drop my scores over 50 points or more and are slow responding. My salary isnt even reported correctly. I constantly get locked out of my account.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MD)

I  was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a  XXXX   XXXX  and have spoke to  XXXX   XXXX . I have given  them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action  against them.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?
Consumer complaint received 2017-06-01
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. (LA)

Approximately  XXXX / XXXX /   17  I sent a certified letter as well as a photo copy of a returned mail I received and asked Experian to remove the creditor due to inaccurate information of wrong address being reported. They have failed to comply.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Accounts : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX Inquiries : XXXX / XXXXXXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment Notice, it is a fact, affiant is aware, these inquiries is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove this inquiry as seen on my credit report.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had previously requested Bank of America not to send me unsolicited email messages similar to the ones that are attached to this complaint. Bank of America responded that as part of my agreement with it to receive the banking and brokerage services I had agreed and am obligated to receive and read the email messages similar to the one attached to this complaint. 

In the attached message Bank of America requests that I must according to my agreement with Bank of America " watch your 2019 Preferred Rewards video summary ''. I do not believe that I ever signed any document or agreed online to any terms and conditions of service that would require me to watch any videos as part of the banking and brokerage service that I receive from Bank of America and its affiliate XXXX XXXX. 

I would appreciate that Bank of America acts professionally and that it stops sending me email messages asking me to watch any videos according to Bank of America 's language " as part of your existing relationship with us ''. 

Dear CFPB, It has been a wide spread problem in the banking industry recently when banks and other financial services companies attempt to bypass the privacy policy requirements of not sending marketing materials customers who choose to opt out of receiving such materials by disguising their marketing materials as " service related messages ''. The so called " service related messages '' are designed to contained persuasive language to use other services that the company has to offer such as " Watch your 2019 Preferred Rewards video summary '', are generic in nature ( not related to specific services or transactions that the customer had participated in ), and do not include any methods for customers to indicate that the messages are not desirable for customers to receive such as UNSUBSCRIBE buttons.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. 
The voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere.
Consumer complaint received 2021-08-24
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-10-12
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. (MO)

I submitted a letter to Experian and XXXX on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$4800.00}
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (NY)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc. (IL)

I received a call from Pro Com collection agency. I asked what the bill was that they were trying to collect on since I pay all bills recieved. They told me that the bill was sent to them by XXXX XXXX ( labratory billing service ) and that the bill was for a XX/XX/2019 date of service in the amount of {$44.00}. They were not able to give me an account number. I went on the XXXX XXXX of IL website and did not see a claim for that date/amount. I then called XXXX XXXX and spoke to XXXX. She said that they had never received a claim for that date/amount but that I did have a claim for that date with XXXX XXXX XXXX XXXX She then called XXXX XXXX XXXX ( who's bill was paid in full ) and was told that I had a urinalysis on that date and that they sent it to XXXX XXXX XXXX for a culture test to be performed. XXXX handles the pathology billing. She then called XXXX and spoke to XXXX ( Supervisor ). XXXX was unable to find my name or that date of service in their system and said he had to have an account number. I have tried to get XXXX to do further research and check collection files for the last few months to find this account but they do not seem willing to do so. They tell me that they will call me back, but never do. I am at a loss, I was unaware of this bill, my insurance was never billed and now neither the collection agency OR the billing company will take the steps to clear this up. I need help!!!