davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I made application for a rate and term refinance the early part of XX/XX/XXXX with Loan Depot. I requested specifically to have my rate float during the process of the loan until the full approval was extended. I wanted to lock the loan no less than 5 days before closing to get best pricing. On XX/XX/XXXX, I get a phone call from the company indicating that they would reduce my rate by .25 % for the fix rate mortgage ( Because the company was great and I should be appreciative ). I said my request was 10/1 ARM with a float ... why would I want a fix and why my loan was locked? They disconnected the call immediately. I called the regional office to get an answer and they indicated someone from the complaints department would call me. XXXX called and left a message ... I returned his call, but he was gone home. He did not called back the next day. I called back the regional office and they are not able to discuss the rates and costs with me. The company via intimidation wants the consumer to take their higher rate and their highest costs. The disclosures received were for 10/1 ARM with a float. I never agreed to have a fixed rate mortgage and never agreed to lock the loan at the highest price. The market conditions changed and the rates have decreased. Loan Depot does not want to give the consumer options. As a knowledgeable consumer, I can not let them abuse consumers with less knowledge. This company is not following Federal Regulation and they are not giving the consumer the best options.
Consumer complaint received 2018-05-22
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. (FL)

To whom it may concern I would like to make this brief. I have contacted XXXX, XXXX, and TransUnion on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NV)

Original creditor is Comenity Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX. The amount is {$2300.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I currently have a Comenity Bank account that was opened in XXXX that I am in good standings with.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

My complaint involves a charge for {$39.00} posted to my DiscoverCard account by XXXX on XX/XX/XXXX. When I noticed it on my monthly statement for XX/XX/XXXX - XXXX XXXX   XXXX, I expeditiously complained to Discover, which rescinded the charge and asked the merchant for an explanation. The merchant claimed it what for a yearly membership in a free-shipping club -- a service ( which I told Discover ) I did not authorize and never used. And a service that I would not want or willingly agree to. On XX/XX/XXXX Discover reversed the charge as a " temporary credit pending investigation. '' On XX/XX/XXXX Discover  put back the {$39.00} charge, and posted it as a " reversal of temporary credit. '' After I complained again, Discover reversed the charge on XX/XX/XXXX as " an adjustment to your account. '' But on XX/XX/XXXX Discover put the {$39.00} change back again, as a " repost of disputed transaction. '' I again disputed the charge but Discover claimed the charge was " valid '' and refused to provide a specific justification or explanation for that finding : no transcript, no documents. 

The credit card company believes the merchant but provides no evidence or explanation about why it believes the merchant or otherwise finds the charge " valid. '' The fact of the matter is, I did not purchase or authorize such a membership -- it is something I would not do. XXXX sells running shoes ; I am not a runner, and am not a regular online purchaser of shoes ( though I have ordered shoes from XXXX XXXX XXXX ). I apparently did order shoes once from XXXX, for my daughter for her birthday or maybe XXXX, but that was over a year ago, and I did not join a free-shipping club. Discover did not provide any evidence that I did join such a club -- an event that would have been fraudulent on XXXX 's part. Discover and/or the merchant claims that I joined a free-shipping club with an automatic renewal. As I said, I would not have done this -- I never choose automatic renewals on anything : not on magazines, not on charitable contributions, not on memberships in professional societies. 

My complaint is against Discover, with which I do about $ XXXX business every month, and which I expect to protect me against mistaken or fraudulent charges. Discover makes rulings -- perhaps because XXXX gives them much more business than I do -- but does not provide me with a fair opportunity to object to a charge that I never consciously authorized.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 Days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. This should not happen because I personally went to the bank and spoke with relationship manager there named XXXX XXXX at XXXX XXXX in XXXX area, and she told me that the bank made an error on Automatic payment form, and when she fixed it there was a double payment made. Also, I'm not sure how I didn't even catch this prior, and my only thought is that my monthly statement did not get to me. Again, this was contested by your own employee that it was an internal bank error.
Consumer complaint received 2021-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group (WA)

As part of my loan repayment plan, I entered into a contract with XXXX. XXXX was working on behalf of Ascendium Education to service the loan. The loan repayment plan was set to automatically debit from my checking account on a specific day each month. No payments were missed. During XXXX, the Covid-19 pandemic occurred. When the CARES Act was passed by the U.S. Government, XXXX sent out a brief notification that payments would be temporarily suspended. There was no request sent in by me for this suspension. In XXXX of XXXX, I received a notification from XXXX XXXX XXXX XXXX, a collection agency who claimed they were working to collect a debt for XXXX ( latest collection letter attached ). I called XXXX on XX/XX/XXXX and spoke with agent XXXX XXXX. He told me that XXXX had ceased their suspension of payments in XXXX when the original CARES act expired. After 60 days, the account was sent to XXXX for collection. He advised me to contact XXXX to get a full explanation. I called XXXX on XX/XX/XXXX and spoke with XXXX, operation # XXXX. XXXX was very combative and argumentative. At several points in the conversation, she actually denied working for XXXX, instead claiming to work directly for Ascendium. Her fallback phrase, " your account is no longer in good standing '' was uttered in response to most of my questions. I asked why XXXX had not resumed their contractually obligated payments when their observance of the original CARES act ended. She refused to answer. When I asked why the account was sent to collections, she uttered her fallback phrase. When I asked why XXXX did not reach out to resume payments they had voluntarily suspended, she refused to answer. Eventually, I gave up on the conversation. As of now, XXXX wants me to enter into another contract with them, using XXXX as a servicer for a Consolidation. I feel this would be a very bad decision but feel pressured to try and get my account back into good standing. What are my options? XXXX has already added {$5000.00} in fees and interest in 2 months and Mr. XXXX says the interest is accruing daily. This debt is growing out of control and right now I see no hope.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Can you please help me to resolve this matter. Just found out on my consumer file that Experian has furnished a Bankruptcy on my credit file. This was done without XXXX XXXX and has violated my right to privacy. I have contacted the XXXX XXXX and they have stated they did not share this information with Experian or XXXX XXXX the company Experian used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Experian numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Consumer complaint received 2019-07-25
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: CORELOGIC INC (NY)

I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY  MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019
Consumer complaint received 2019-07-25
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. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase checking account. In XXXX I opened a XXXX Bank account. This year I set up an XXXX withdrawl of {$100.00} to be transferred from my Chase account to my XXXX account monthly. 

On the following days, Chase took out {$100.00} from my checking account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I noticed that the transfers from Chase were not in my XXXX account, I contacted Chase. Chase insisted I had to contact XXXX Bank to resolve the problem. I contacted XXXX and they insisted I had to contact Chase. 

After spending several hours on the phone with both Chase and XXXX, I decided to close the XXXX Bank account. This was in early XXXX. 

As you can see from the above dates, even after I closed the XXXX Bank account, Chase still took out money from my Chase account, supposedly to send to an account that was no longer in existence! 
I have sent numerous messages to Chase via the secure online system. Chase finally refunded me two of the {$100.00} withdrawals. This was done on XXXX XX/XX/XXXX. 

Chase refuses to refund the remaining two withdrawals of {$100.00}. I believe withholding my money constitutes theft. 

Chase withdrew {$400.00} from my checking account. None of this money ever reached my XXXX Bank account. Chase has returned {$200.00} to me and has now refused to return the rest of my money ( {$200.00} ), declaring the inquiry closed! 

I would like my money bank. This is not the first time I have had problems with Chase. ( I had a Chase mortgage and the pay off sum I received was not in line with what I anticipated based on the information in my account. ) I am enclosing the following : 1. Some of the correspondence between Chase and myself 2. Proof from my Chase checking account showing the withdrawals and returns described above. 
3. Letter from XXXX Bank stating they never received any of the money Chase claimed it had sent to my XXXX account. 

Thank you for your assistance.
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

I was informed by The XXXX XXXX XXXX XXXXXXXX that I owed on a debt of around {$300.00}. 
I informed them that I did not owe the debt and shortly there after they listed the debt on my credit file in which i sent them a second letter notifiying them that I was not responsible for what they are claiming. 

I then informed them that I would like them to send me any documents that they have, showing that this is in fact my debt that they are reporting on my credit file. and requested written verification. 

they have to make sure i told them that they are reporting information accurately. and when they fail to make sure they have the correct person that they are reporting information on it damages the innocent, such as myself. I have given them more than 90 days to send me written documentation and they have failed to do so. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g SEC. 809 ( b ) I AM REQUESTING VALIDATION OF THE ACCOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS.
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (FL)

EXPERIAN, XXXX AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE
Consumer complaint received 2019-07-25
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. (FL)

XXXX, TRANSUNION AND XXXX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX XXXX XXXX-NOT MINE XXXX/-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX & XXXX XXXXNOT MINE XXXX -NOT MINE
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

In XXXX of XXXX I purchased {$6200.00} on my Home Depot consumer credit card with a promotional offer of 24 months no interest. At the time, I had a balance of {$1700.00} originally purchased on XX/XX/XXXX ( original amount {$2400.00} ) due on XX/XX/XXXX All of the purchases in XXXX were erroneously put on a 6 month interest free promotion. I was told " Don't worry about that, it will get changed, but it could take 3 billing cycles to show ''. 
Beginning in XX/XX/XXXX, my payments were being applied to the " Earliest terminating promotion '', which was a balance of {$950.00} applied to my account on XX/XX/XXXX. This was supposed to be part of the 24 month promotional purchase. In subsequent months, they continued to apply my payments to the balances that had not been correctly moved to a 24 month promotion. Between XX/XX/XXXX and XXXX of XXXX, I made {$2800.00} in payments, which more than satisfied the balance due by XX/XX/XXXX if {$1700.00}, however, because they applied the payments to the incorrect balances, they never applied payments to that promotional balance. Subsequently, they charged me {$1500.00} in deferred interest in XXXX of XXXX, and moved the erroneous balance to a revolving balance which accrues at the rate of 25.99 % In all, I was charged {$1900.00} in interest in XXXX and an additional {$140.00} in XXXX Despite being told repeatedly it would be fixed, nothing has happened. 

The mistake was clearly theirs, however they are refusing to credit my account the interest that never should have been charged. How can this be legal? 

I have attached 4 statements : XX/XX/XXXX showing the purchases and previous balance XX/XX/XXXX showing the interest charged XXXX showing total interest charged in XXXX XX/XX/XXXX showing interest charged in XXXX
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OH)

I contacted numerous times to a point where i am going to take this to an Ohio Attorney Generals Office and exercise my rights to a higher level i had 2 UNAUTHORIZED charges {$630.00} and {$1000.00} Please remove these asap so i can stop sending in complaints and letter repeatedly weekly these are unauthorized due to identity theft and as well as i have id protection on my credit file for the next 6 years the law is that you have to obey id theft and this has not been removed yet. Once these two charges are removed and my credit file is updated and my new min payment is updated i will start to continue making payments. please remove all late payments as well.
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a letter via Certified Mail on XX/XX/18 to Portfolio Recovery regarding an unknown account listed in the collection section of my credit report. By law, I should have received correspondence within 30 days from the company. It has been over 90 days, and I have yet to receive any correspondence regarding the account. Therefore, I am requesting that this collection account be removed permanently from my reports. I am very unhappy with the lack of customer service shown by this company, especially since this account is negatively affecting my credit score.
Consumer complaint received 2019-07-25
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: Exeter Finance, LLC. (NY)

I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX filed an eviction against me and my family after refusing to accept the rent for that month.Saying that we did not pay rent the month before.I sent in the rent receipt to courts proving they lied, they said no rent payment for present month sent in copy of money order in which they refused to accept and full rent amount.instead they demand the keys we forward all proof to courts in our response to eviction answer the Judge only ruled us to vacate property we didn't turn money into court register because they wanted keys and us to vacate The judge did not rule any funds owed to XXXX and closed the book on that no open judgements owing them anything. they kept our {$1400.00} deposit. we lived in a badly molded home which we should've never been there to began with never missed a month paying rent. Now they have their collection company Hunters Warfield harassing our credit reports for $ XXXX and the judge did not rule us to pay no $ amount to them. I have called the Clerk of Courts to see if they had anything that was ruled by the Judge for  us to pay and they says no nothing at all and the final Judgement is closed. we also forward the courts a copy of the emails sent to us from the property manager was demanding the keys over the money order for rent that month then they filed eviction saying we did not pay our rent they should have stated the truth that they didn't accept the rent money order. they had no reason to have treated us this way we feel very discriminated against and now harassed for $ XXXX dollars by their collectors Hunters Warfield and for what? We forwarded documented proof to the judge.so where is the open judgement of owing $ XXXX on our records? There is none Exactly we are being discriminated against why?? There was no reason for them not to except our rent payment why did we have to be treated so differently and still is with Hunter Warfield reporting to our credit reports. then lied to evictions courts 100 percent. still being discriminated against through Hunter Warfield this is so senseless. but we will get justice served by all legal means necessary. ( smile )