davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (AL)

I received a Vanilla Visa Gift card for XXXX. I tried to use the card in XX/XX/2022 for an online purchase and it was declined. I checked the balance online and the original balance of {$300.00} was still on the card. Tried to use it XX/XX/2022 for an instore purchase and it was declined. The balance was only XXXX. When I logged into the site online to review purchases, neither purchase was mine. The purchases were {$60.00} for XXXX XXXX XXXX bill and {$230.00} to XXXX XXXX XXXX. 

I have called the company and was on never ending hold. No one ever came to the phone due to " long wait times. ''
Consumer complaint received 2022-01-23
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. (MS)

TransUnion and XXXX XXXX system has majorly violated my credit report by reporting this inaccurate account. 

This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment. 

They have also re-aged the date of last activity which should reflect the last date a payment was made. 

Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated
Consumer complaint received 2022-07-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  accounts above XXXX violated my rig

hts 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (MI)

Dear XXXX, Account # : XXXX Thank you for your recent ACH Payment on loan XXXX. Your payment of {$100.00}, which is effective on Friday, XX/XX/2022, will be applied to the balance of your loan. While the ach payment has been initiated, it has not yet cleared. If your payment does not clear, the payment that was posted to your account will be removed and you will continue to owe the {$100.00}. 

If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX CT and Saturday Sunday, XXXX XXXX CT at ( XXXX ) XXXX.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AR)

I received a prelegal notice from XXXX XXXX XXXX that I have a debt of at Comenity Capital Bank. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. 
For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. 
Therefore, it is obvious that my identity is stolen and used here. 
In this circumstances, I would like to request your help to stop this harassment.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) In 2017 I purchased the vehicle and paid the dealership the required down payment. It took the dealership a week or more to provide me with the final paperwork for the purchase. Prior to receiving the paperwork from the dealership, I learned that the vehicle sustained major flood damage from XXXX XXXX. The dealership never disclosed this information to me prior to my purchase. I returned the vehicle under the XXXX XXXX and was assured by the dealership that this return was within the time frame allowed for the XXXX XXXX and that this return would not affect my credit. XXXX XXXX is now reporting a collection/chargeoff to the XXXX XXXX XXXX XXXX credit bureaus in error. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have made numerous attempts to contact XXXX XXXX as well as the bureaus to remove this false reporting however, I have not been successful.
Consumer complaint received 2022-01-23
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. (TN)

I have previously filed a complaint with XXXX, the creditor that was involved with my identity theft case. They have already sent me an affidavit for identity theft in the mail and I sent that off on XX/XX/2022. I have also sent XXXX and TransUnion a copy of my police report my identity theft report and other supporting documents multiple times. They have treated me very rudely. My brother, XXXX XXXX, opened a fraudulent credit card in my name and made himself an authorized user of the card. Based on the police report I have sent them, he has also had a history of stealing checks from my family. I have substantial evidence of my identity theft and still have not had this account removed from my credit report. TransUnion and XXXX even put a 7-year fraud alert on my account but then proceeded to say in recent dispute results that the account was accurate when it was not. Out of all the credit bureaus involved, XXXX by far has given me the best customer service. They have cordially and promptly deleted the fraudulent account from my credit file. I am still fighting with you months after I had found out about this fraud. Since XXXX is my XXXX, his SSN is only a few digits off from mine. That is how he was able to do this. I have not received any financial gain from this at all. I am sick of fighting this case. Why would you place a 7-year fraud alert on my account and then decided the fraudulent account in question is accurate? I am beyond speechless. XXXX has already received my affidavit. They should be beginning to perform their investigation.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to file a complaint in regards to the loan modification process with bank of America. I applied for a modification in XXXX of 2015, submitted requested documents, never received a response XXXX way or the other. I called and submitted another request and was verbally told that the initial request had been denied because of erroneous information. I immediately made another request, submitted almost XXXX pages of documentation and now the bank is asking for a quit claim deed to proceed. I do n't understand why a quit claim deed is needed when it holds no weight and I have told the lender that I have no idea how to contact my ex husband, we have a divorce decree in which I provided to the lender that shows that the Petitioner which is myself was keeping the marital home. A quit claim deed does nothing, plus in the mortgage instrument it says you are not supposed to transfer title that 's grounds for foreclosure. I am months behibd and trying to resolve this issue, I do not understand why the lender needs a quit claim deed, even if I got one drawn up from an attorney, I have no contact information for my es husband so that would be a waste of money and time. I also have a problem with how long the lender is taking to render a decision. All of this time, the foreclosure action is still active, seems like if you are working with the lender on a modification, the foreclosure clock should stop until a decision has been rendered. I understand that a modification is not guaranteed, however during conversations every two to three weeks with the customer relations Manager, it sounds as if I qualify and meet the criteria and all that 's needed is this quit claim deed that holds no weight. My home is in foreclosure due to the lender sending multiple fed ex packages to the property address after I notified them that the property was a rental property and that I resided out of state, they knew this yet they sent so many XXXX envelopes to the property, it scared the tenant and she stopped paying rent, which caused me to fall further behind. I ended up filing a Chapter XXXX to hopefully to remedy the arrears, tenant stopped paying so I could n't keep up the Chapter XXXX payments and the mortgage, I informed the lender every step of the way about all of this, I had to take the tenant to eviction court, it took six months to get her out, I acquired a new paying tenant so I 'm asking the lender to attach the arrears to the principal balance, extend the loan term to 30 years and/or increase the interest rate. I do n't want to refile Chapter XXXX in this matter when I know there 's a better way with a modification.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

While reviewing mortgage payment history on XX/XX/XXXX, there were several NSF charges that appeared even though our monthly mortgage checks were being received and processed by Newrez every month. On XX/XX/XXXX, I called Newrez to ask about the charges and the Newrez representative stated the fees were for non-sufficient funds. I explained to the representative that no such condition existed since our monthly mortgage checks were being received and processed by Newrez. The representative then shifted his explanation by stating that the fees were to pay off an " NSF fee balance '' from XX/XX/XXXX. I again explain that no NSF situation occurred and referenced Newrez 's own payment history on their online portal. The representative placed me on an extended hold and then finally stated that the fees would be refunded. 

This is our 4th complaint with Newrez regarding deceptive business practices in managing our mortgage. Newrez provided false information during the initial explanation ( which we have complained on before ) and then they attempted to falsely explain non-existent fees. The fees were eventually credited on XX/XX/XXXX, however, their payment history is so disorganized with multiple duplicate entries, incorrect entries, and mislabeled entries that it makes it difficult to determine how much of a payment was applied to where.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercari, Inc. (FL)

I am a seller on the Mercari phone app and want to reach out with regards to an issue. I received an email with no prior warning or message from Mercari that my account has been closed and funds frozen as I was selling " non-authentic items ''. Firstly, I will agree to the fact that I was unaware that using stock photos was unacceptable. But Mercari should have reached out to me. I have been a well respected seller since 2015 with tons of ( 75+ ) 5 star reviews. I am quite disappointed that my account would just be closed. I have receipts and valid serial numbers for all items I sold. There are a lot of scammers and competitors who try to harm others, and therefore I did not list any of the serial numbers. I received 5 pieces of the same item so thought I could use the picture ( my own picture ) I took multiple times. If this was an issue, Mercari could have reached out and I could have fixed the issue. Rather than taking the decision of just closing my account. I am requesting for the company to re-evaluate my case, release my frozen funds and get back to me and I will be more than happy to provide all valid receipts and valid serial numbers.

This is theft as I have read hundreds of other sellers who experience the same issue. Mercari is stealing innocent seller 's money and profiting off us on the application. 

Date of account closure : Thursday XX/XX/XXXX. 
Seller on Mercari app since : 2015 Number of 5 star reviews : 75+ Email on account : XXXX Name of store : XXXX
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

To my dismay, underwriting keeps requesting business returns to verify income however, since the borrower is 100 % owner the business, income is reported on Schedule C of the personal tax returns. Underwriting refused to further review the account without business returns or they will not include any income in their calculations.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

I obtained membership at BJs and signed up for the Comenity BJ Perk Mastercard. I did not agree to the automatic renewal of membership. I was charged the fee for renewal. When I saw the bill it was {$120.00} due to late fees. It took months to get the charge cleared from the bill. I was recently denied an XXXX card as they report due to a credit score of XXXX on XXXX. I noted that XXXX reported overdue payments on charges that were not authorized which were eventually removed from the card. The credit report on XXXX does not reflect the company 's error. I called several customer services numbers and basically received little to no help. The persons in the call center kept repeating the " script '' and told me to launch a dispute by emailing the information to the company that can't be reached. Please help! Thank You XXXX XXXX XXXX Accounts with Adverse Information Account Name Account Number Balance Monthly Payment COMENITYXXXX/BJS XXXX - - - Address XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX ; {$55.00} from XX/XX/XXXX to XX/XX/XXXX ; {$86.00} from XX/XX/XXXX to XX/XX/XXXX ; {$120.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$750.00} from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I attempted to submit a payment on XX/XX/2022 for my American Express credit card ending in XXXX. I received a message that the payment had been submitted and would be processed on XX/XX/2022. However, there was a problem with the system and my payment did not go through as scheduled. I was then charged a late fee of {$29.00} on XX/XX/2022. I requested to have this fee removed and a customer service confirmed that it would be, but the charge is still on my account. I would like to request that this {$29.00} fee be removed along with any interest charges as they payment should have gone through on XX/XX/XXXX, XXXX as was originally scheduled.
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the fair credit reporting act convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account XXXX XXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX  Bank account XXXX XXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (TX)

Affirm is reporting 2 accounts incorrectly to XXXX. I have filed over 20 disputes and each time they verify the account is reporting correctly. I have asked XXXX to provide me with a copy of how they validated what Affirm is reporting. They have failed to do so. I have asked Affirm to confirm my account history. They have failed to do so. I have now found my original receipt which confirms these accounts are not reporting accurately. I would like both removed immediately.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal close my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for couple of weeks but i just remembered i could file a report on here as I feel they are not doing their job properly and its affecting me a great deal as I used Paypal guide frequently. My email linked to my Paypal is XXXX I hope you can help me with this matter. Rest assured that all my transaction made from my Paypal account is true, safe and legal. Thank you and XXXX bless