davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

Cfpb Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Account Ending in XXXX AND XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Texas, XXXX Account Ending in XXXX XXXX : These two companies are harassing me illegally Dear CFPB I have responded numerous times to these two companies. They are bullying me over a XXXX bill that they illegally put on a fraudulently solicited credit card. They have now responded for about the fifth time that they consider this to be a valid and collectible debt, although they claim they no longer have the documentation to prove it. I have explained the entire ridiculous story to them over and over complete with photos, names, dates of conversations. Yet, they still keep adding a usurious of XXXX late fee, and XXXX of interest. The total bill is now up to about {$400.00}. On the first page of the bill, it says XXXX for purchases. On the second page, it says I am being charged interest on purchases of XXXX. That does not even make sense. They are hounding me on my cell phone, during work and evening hours. Every time I block them, they call me from another unknown number. These bullies need to stop. I have researched them, and discovered within minutes, that these tactics have been reported numerous times. I need help getting these unscrupulous, illegal tactic using bullies off my back. I have XXXX, and they are triggering it. I hope I dont end up taking them to court. 

If they have good reason to believe that I am responsible for this debt, they need to mail me the documents that make them believe that. They need to report to all three credit bureaus that they have made an error, and stop harassing a senior citizen school marm! I HAVE the records, and have PROVEN that they ARE WRONG! 
THIS IS ILLEGAL!!! 

They need to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt.. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo business credit card online in XXXX. Their credit card has 1.5 % cash back in every transaction. I spent XXXX on the credit card I should get XXXX dollars cash back but I didnt get any of it. I called Wellsfargo customer service many times. They said I didnt enrolled it. Its too late. What? 
This is the first time I heard that I should enroll the cash back by myself manually after I got approved on their credit card without any notice or call me let me know. So I called them they just declined it.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX  XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I thought I made my minimum payment on my XXXX  Comenity card in XX/XX/2023. On XX/XX/XXXX, I got a notice from Comenity asking me to call them. I called and that is when I discovered that a payment was not made. My payment was 9 days late. On XX/XX/XXXX, I spoke to XXXX, supervisor, asking her to remove the late fee as I have never been late making a payment, Ive made multiple payment in the past and Ive never exceeded my credit limit. XXXX removed the {$29.00} late fee. I had to pay {$40.00} ( my min payment is {$35.00}. Due to late payment they required me to pay an additional {$5.00}. ) I was confused, asking WHY I needed to pay an additional {$5.00} when you removed the late fee? Their explanation is still confusing. 

Today, XX/XX/, I went to my account to make a payment EVEN THOUGH a payment is not due this month. There is a notice saying my account is past due and options may be available to get my account on track. I was confused about this notice as there is NO minimum payment due. When I called on XXXX XXXX XXXX  never informed me that additional payments were needed to get account up to date. 

I called today, XX/XX/XXXX, I had the displeasure of speaking to a RUDE rep, named XXXX. I asked to speak to a supervisor. XXXX assisted me. I asked WHY is there a message saying my account is in past due status when a made a payment? He says the system has not been updated and Comenity bank is reporting that my account was past due. I said, once i took care of the matter and the late fee was removed, my account is no longer in past due status. Plus, your account has to be 30 days late or more for a bank to correctly report to credit bureaus that your account is in past due. My payment was 9 days late, ONLY because I thought I already made a payment. It happens! Ive never missed a payment prior to thinking I ALREADY made a payment in XXXX! 

Ive had another issue with Comenity in XXXX of this year when I was making a purchase using my XXXX XXXX The card was declined. I called Comenity and was told that my card had NOT ben activated when I had been using my card for several months prior to trying to use it to make a purchase. AND Ive made payments to the account before XXXX. And I Ive made several transactions on my account when they claimed my card WAS NOT ACTIVATED. The representative nor the supervisor could explain WHY their system said my card was not activated.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-04-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (MN)

I am a victim of Identity theft. XXXX XXXX  that is now closed. I disputed this back in 2016 and and I am trying to open up a account with a new credit union and I am told I I owe XXXX {$460.00} dollars. I contacted XXXX XXXX and they are now investigating it. My issue is that I disputed this 3 years ago and the Credit bureau fixed it but except XXXX XXXX. It has been almost a month since I contacted XXXX XXXX and they have not gotten back to me. XXXX XXXX is no long open They are now Called First citizens bank and I contacted them they said they have no trace of this debit. I just want to open a new Bank account.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear XXXX  XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX  XXXX XXXX, XXXX. 

Account number XXXX Account type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2019-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Constant and annoying calls that don't stop if you don't answer and if you do answer they try to manipulate you into a promise, happens all hours of the day and night, during hours I am at my place of employment, On the weekends. I have asked the company to cease phone communication and that their correspondence can be via XXXX or email. They told me that I would have to send them a letter requesting the calls stop. I sent them a letter even though I verbally told them to stop calling. They said they never received the letter. I once again asked them for the final time to quit calling and that they could communicate via email or XXXX as long as that didn't become to a harassing level as well. I have not been past 30 days and still get these calls nonstop.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

Hello my name is XXXX XXXX i'm a young entrepreneur trying to build my business, and credit is very important for my business to grow and this debt is hindering the growth. I have no knowledge of this debt and i have reached out to this agency and this debt still hasn't been removed.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (IN)

I received an updated copy of my credit report to find out that Diversified Consultants Inc. reported that I owe {$140.00} for XXXX when this account has already been proven that I do not owe it. I do not owe XXXX and the account was removed not once but three times by all credit bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account was sold to two ( 2 ) different collection agencies and none of them had proven the debt. XXXX then resold the debt to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to all three credit bureaus for a debt of {$140.00}. The posting states that this is an active collection opened XX/XX/XXXX. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal right, as protected under the Fair Debt Collection Practices Act.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

In XXXX my identity was stolen. I noticed late XXXX that someone rented 2 apartments, had an XXXX XXXX XXXX and XXXX account opened in my name and did not pay any of these bills. At first I never noticed the charges until I needed to apply for credit. Once I saw them I began trying to get them off my credit but did not know how to go about doing so. I disputed the charges but they kept coming back. I was then told I needed to file a police report which I did. 

The company that I am have an issue with is National Credit Systems. I have submitted in writing to have the original signed lease agreements to be sent to me and have not received any as of yet. I then contacted National Credit Systems by phone and requested that they send me those items and still have yet to see them even though they stated they have electronic signatures and IP addresses. My next step was to contact the apartment complex and they could not send me any documentation they stated they do not have any originals or electronic signatures. 

National Credit Systems are trying to take me to court and garnish my wages even thought they have not provided any original paperwork showing my signature, or electronic IP addresses. I need this taking off my credit and not have my wages garnished as these are not my charges. I have provided information that I lived in my home for 11 years and never rented any apartments during the time they were rented. I had electric bills, water bills, established and can show they were paid via my banks accounts during those rental times. 

I am at a stand still as to what to do next. Thanks Deflated Consumer.
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I am having issues with USAA Savings Bank and their reporting to the Credit Agencies. I have sent them 10 letter disputing what they have noted on my Credit Report. When I call their customer service team, they agree with me and say it will be updated. I have provide a great deal of information to no resolve. I even wrote the President & CEO, whose office says it will be corrected and they say it will be corrected and has not been done. 

The rrors are as follows, they say I was late the following times : XXXX - XXXX, 30 days late XXXX - XXXX, 60 days late XXXX - XXXX, 30 days late This account has been open since XX/XX/XXXX and never late before or since. I was told one customer service agent that this was due to a " mix-up '' with another account and it would be fixed and it never has. USAA is such a large institution, I think I have been the victim bureaucracy PLEASE help me get to the right people to remove these errors on all three of my credit reports. I appreciate it so much.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX - opened on XX/XX/2018 - balance {$200.00} XXXX XXXX XXXX -- opened XX/XX/2018 -- balance {$100.00} I don't have a contract/agreement with the agencies above. I request for this to be removed from my credit agencies ( XXXX, XXXX and XXXX ).
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I have been making payments to Navient in advance. I should be paid a year in advance. And my profile is set to apply payments to future payments rather than just to principle. Despite that request, every month I make a payment, the due date is not advanced. I have made countless phone calls to try to get this issue addressed -- and while they fix the particular payment about which I am calling ; the underlying issue has not been resolved. I have called close to a dozen times now. I have also tried emailing them. And still the payments are being misapplied. 

I am trying to pay in advance in case something horrible happens and I am unable to make a timely payment. It shouldn't take me an hour out of every month simply to make sure my payments are being applied in a fair way. Moreover, every time they make " an adjustment '' the numbers then look off. At one point, a representative told me that the interest I pay is the same regardless of how much principle I have paid -- or how far in advance I am paid. And though my payments are always more than the required amount, the payment schedule has never been adjusted to reflect an earlier final payment date. 

My payment amount is supposed to be {$380.00}. Every month, I have been paying {$400.00}. When I have asked for information in writing, nothing has been sent. So, unfortunately, I can not attached any correspondence as none has ever been provided.