davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (AR)

I have a Wells Fargo " Cash Wise '' credit card with 4 promotional balances ( 0 % interest ) right now expiring in different dates : On  XXXX 's statement the balances were as follow : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$720.00} expires on XX/XX/XXXX - Balance of {$900.00} expires on XX/XX/XXXX - Balance of {$4300.00} expires on XX/XX/XXXX The due date for this account is on the XXXX of each month and I have never missed a payment on the account. I made a payment of {$500.00} on XX/XX/XXXX. I am making payments above the minimum focused on paying off the balances that expire the soonest which would be XX/XX/XXXX and XX/XX/XXXX XXXX. 

I received the next statement on XX/XX/XXXX and these are the balances after the {$500.00} payment was applied : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$670.00} expires on XX/XX/XXXX - Balance of {$840.00} expires on XX/XX/XXXX - Balance of {$4000.00} expires on XX/XX/XXXX So if you notice, the two balances that expire in XX/XX/XXXX received only {$77.00} and {$51.00} respectively and the largest percentage of the payment was applied to the balance that expires on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and I asked them : How am I supposed to pay off those balances that expire in XX/XX/XXXX, when most of my payment is being applied to the balance that expires in XXXX? 
The guy couldn't give me an answer. He just told me that they split the payments among all the balances. 
He then passed me to a " supervisor '' that couldn't give me an answer either, she repeated what the first person told me, and she told me that someone from the corporate office will contact me soon. 
I asked her if their expectation was for the customer to pay interest even though the customer is making over payments to try to avoid paying interest and her answer was that it wasn't intentional. 
I have other credit cards that offer promotional balances and the great portion of the payments if not all it's applied to the balances that expire the soonest. But with this company the customer would never win, the way they apply the payments is designed to affect the customer even though the customer is responsibly making payments. 

I think that this is another example of the cultural rot inside this company.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Dispute report # XXXX for XX/XX/19 Capital One Credit Card page 3 of 10 ND showing for the month of XXXX and payment was made on time. XXXX shows ( ND ) No Data as payment made.
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

On Monday XX/XX/2019, I noticed that my wife had an alert on her credit file from a collection company. The Debt was in reference to a apartment contract that was not fulfilled " supposedly ''. I called Rent Recovery Solutions LLC in reference to this matter. I spoke with a lady and told her that my wife was not a lease holder on the lease that she was only a occupant per the lease. The lady reviewed the lease and confirmed that my wife was only listed as a occupant but then she stated that my wife was still responsible even though she was not a lease holder. I asked how is that possible when the contract was only between Me XXXX XXXX and the Landlord/ Property management company. She stated that the law says anyone listed as a occupant over the age of XXXX is contractually responsible for the lease. I told her that was false and that the contract was between me and the property. The lady became really rude and I then asked to speak to a supervisor. The supervisor basically echoed what the represenative said. She told me under Georgia law that anyone over the age of XXXX that is listed as a '' Occupant '' is contractually responsible for the lease. I know this statement to be false and she quickly rushed me off the phone and said they aren't going to do anything about the account being on my wife 's credit report even though my wife never signed anything pertaining to the apartment in question. Because of this my wife has been denied credit and her credit score has suffered. I also told the Supervisor that the amount was wrong and that I gave more than enough notice to the property pertaining to me not renewing my lease. I told the lady who I gave it to as well. I know that at that particular property they were having a lot of staff turnover and everything was lost in translation.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

On XX/XX/2017, XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report  standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of 32,576. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX, I disputed an unrecognized credit transaction on my personal credit card. The fund that was charged got refunded to my card. The amount was {$9.00}. But my credit score went down by XXXX points. Will you guys please open up an investigation to check why my credit score went down by XXXX points between XXXX and XXXX? I'm never late on any credit and loan payments. Is the credit dispute related to my credit drop? Please restore my credit back to what it was before.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial (NH)

On XX/XX/2018 I bought a mattress from XXXX XXXX. I chose to finance the bed from your company Westcreek Financial the cost of the mattress was XXXX. I signed the documents from your company and I gave my correct bank account number and debit card number as well or the payment to XXXX XXXX would have never have gone through. On XX/XX/2018 I came into a large sum of money and called your company to ask for a payoff amount which I paid in full. Since that time your company and I have been in a dispute with you telling me that I owe you XXXX. You have reported a false report to the credit bureau that borders on fraud. Yesterday in a final attempt this matter your company and my bank had a three way conversation in which my bank told you that if you had submitted a charge of XXXX it would have been paid. Your response to me was that the payment of XXXX was kicked back to you due to a wrong bank account number or debit card. My bank confirmed that all the information that was on the application was true and correct. So if the payment did not go through it was an error on your part not mine but yet you still argued with my bank. You offered to take this fraudulent amount of XXXX off of my credit report if I paid you that sum. I checked my account with XXXX  and you had yet again altered information fraudulently as of XX/XX/2018 because I checked my credit report after speaking with you. Your company needs to remove all of the fraudulent information you put on my credit report because it seems to me that you are using the misinformation you gave to the credit bureau as ransom just to get me to pay a debt that is not mine!!!
Consumer complaint received 2019-08-25
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: ALLY FINANCIAL INC. (GA)

Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from Ally Financial appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to Ally Financial to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. Ally Financial refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (CO)

I have perfect credit and credit monitoring and I do not have any collections nor have I ever had anything in my life go to collections. 

Starting on XX/XX/2018 I have received 15 phone calls I can document from the following phone numbers : XXXX, XXXX, XXXX. When I call those numbers back it, sometimes, connects me to Halstead Financial in IL. I contacted Halstead and told them to stop calling me as they have the wrong person. I spoke to a supervisor, XXXX and his manager XXXX. I did not get last names. XXXX gave me his number of XXXX but it does not connect. I filled out a request to stop calling me on their web-site as well. They continue to call me.
Consumer complaint received 2022-06-10
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. (IL)

In accordance with the Fair Debt Reporting Act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1692b ( 2 ) Acquisition of location information a collector can't collect on a debt if you're not int the state. 15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692e Section 8 : updating without showing disputed. 15 U.S.C 1692e ( 2 ) ( a ) False or Misleading representations : False representation of amounts or legal status of any debt.
Consumer complaint received 2019-08-27
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: Quality Recovery Services, Inc. (GA)

I have sent a letter out disputing this account asking for the contract with my signature. I sent a dispute 3 times asking for proof. XXXX, and XXXX has deleted this inaccurate account because it is not validate. I want this delete off my credit report, it has been over 3 months
Consumer complaint received 2018-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (WA)

XX/XX/XXXX I began a small account with XXXX XXXX XXXX  for our wedding rings. The account started off with us owing approx 1500.00. It was a 12 month interest free plan with the interest rate after the 12 months showing 28.99 %. 

Unfortunately we were not able to pay the bill off within the 12 months, but came very close and after our two XX/XX/XXXX payments cleared we only owed XXXX left. 

XX/XX/XXXX XXXX XXXX XXXX sent a letter that XXXX XXXX XXXX was ending their partnership with TD Retail Card Services and according to their letter " TD Bank will continue to send you monthly statements in accordance with your cardholder agreement. '' Tonight I open my statement from TD and they state that my interest on the remaining XXXX balance is XXXX, so I now owe nearly double at XXXX. I understand there will be interest, but obviously 28.99 % of XXXX is not anywhere close to XXXX. They more than doubled what I owe in interest rates in one month.I can not believe it!

I tried several times to get through on their 800 # and nobody answers.They want you to print and mail in a dispute form, but if my interest is doubling what I owe every month there is no way I can wait for a letter to arrive and them to take the time to investigate my dispute.
Consumer complaint received 2019-08-25
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: Bread Financial Holdings, Inc. (CA)

My Comenity Bank / XXXX XXXX account was removed from my XXXX credit report. I recently had an unauthorized charge due to fraud and reported the charge as fraud. Comenity Bank sent me a new credit card with a new account number. However, the old account was removed from my XXXX   credit report and the new account never reported. 

The following is email correspondence with Comenity : From : Comenity Bank Sent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department XXXX 
Comenity Bank issues your account and responds to all credit related inquiries. 

I am happy to go over your account with you. The accounts are reported electronically to the three major credit bureaus every thirty days. The account was reported on XX/XX/XXXX as " Current Account. '' Please allow up to 45 days for the credit bureaus to update your report. Thank you! 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, I. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My Comenity Bank XXXX XXXX account is not being reported to XXXX. The account was removed in XX/XX/XXXX after I reported fraudulent charges made to my account. 

It is reporting to XXXX  and XXXX with the remarks " account in dispute ''. 

Can you please see that my account is updated and the trade line reinserted to my XXXX  credit report? 

Thank you
Consumer complaint received 2021-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

This is also with Wells Fargo I had a XXXX XXXX  XXXX k I think around {$840.00} around there in a account at Wells Fargo well recent little the account has XXXX $ in it the account was closed and disappeared now the account is back and has XXXX  $ what happen to the XXXX $ that was in there just wondering
Consumer complaint received 2023-07-27
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)

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 accounts. 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 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PennyMac mortgage policy states you can request PMI deletion at 80 % loan to " original '' value. They also state that at XXXX  % loan to " original '' value PMI deletion will happen automatically. I have been back and forth with their customer service trying to remove something that I don't believe anyone should have to pay in the first place. Right now I am at XXXX % loan to " original '' value. First I get told they are going to remove it, but it will take a month, now they tell me I have to pay for an appraisal out of pocket to determine if my home has lost value. I am not going to pay extra to remove something that I should not have to pay in the first place. There has been XXXX damage to my home, I have not made any insurance claims. If anything, my home has appreciated, but that doesn't matter, because the words in their policy state " LOAN TO ORIGINAL VALUE ''! They are robbing me every month and I want it to stop.
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

I am 100 % debt free and have been for years. 
A XXXX XXXX XXXX 
XXXX left a long message on my landline about my debt. I was going to call them but decided to check them on the internet. What I found was once a person calls them their calls become numerous. So I have turned off my answer machine because I think once the machine picks up it is recorded as a response. 
I do have caller ID. 
A XXXX XXXX . continues to call me. I want those calls to stop.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Data, Inc. (MN)

I just got a call about a house address I have not lived at in 13 years. They asked if I was XXXX XXXX, I said yes, they asked about a past address from XXXX. I asked what this was about and what company they were calling from they refused to tell me until I verified this address. I was very uncomfortable because I did not know who was calling, why they were calling, what they were calling about and I do not give out personal information for no apparent reason over the phone. I told them to remove my name from their list back in XXXX, and XXXX and again today. I have no idea what this is about, I dont want to give an unknown caller my information. I looked the number up online and it came back as credit bureau data XXXX ( XXXX ) XXXX XXXX  XXXX, WI. Asking people to provide information with out identifying your company is not right. Whatever debt I had has to be around 15 years old and should be well over 10 years old.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

Equifax Has really screwed up my credit report. They have two HUGE errors and I am asking for correction and monetary settlement due to their errors.

They once again have put a DISPUTE CODE/STATEMENT on my XXXX XXXX account ( XXXX ) I have never disputed anything with them or the company and I am demanding that this statement and all dispute codes be removed from my credit report and that this never happen again. ( SEE PROOF ATTACHED ) They have also now removed a good standing account ( XXXX XXXX XXXX XXXX account from my credit report ) All good payment history gone because of these idiots and their violation of the FCRA. They have also put on there that I have disputed this account and a REINVESTIGATION is in  process. I personally spoke with my rep at XXXX XXXX XXXX XXXX and they have informed me that no dispute was ever opened. This account and all past positive credit payment history is DEMANDED to be put back on my report and that my report not be touched like this again. 

I am demanding that all incorrect information be removed and that a monetary reward of XXXX per instance a total of XXXX be rewarded to me because of this companies arrogant and incorrect behavior and because they are causing financial strain on me to take time out of my busy schedule to stay on top of this.
Consumer complaint received 2018-04-09
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: Prizm Financial Company, LLC (OH)

Account was open XX/XX/XXXX and closed XX/XX/XXXX in good standing. This account should be pass it's 7 years of reporting on my credit report and still shows up. The balance was paid in full with no missed payments or late.
Consumer complaint received 2021-04-04
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: LEXISNEXIS (NY)

I reached out to lexisnexis on XX/XX/XXXX to inform them that I had an investigation in process with XXXX disputing a chapter XXXX bankruptcy dismissal and the results came back verified through Lexisnexis. Informing Lexisnexis of the investigation and the out come ending in a verified accurate status they stated that they would contact XXXX to remove and delete the bankruptcy because it was deleted in their records. I spoke with Lexisnexis rep on phone explaining that XXXX claimed they completed an investigation also they claimed Lexisnexis was the furnisher of informatiom who verified the data. Prior towards XXXX starting their investigation I received a letter on XX/XX/XXXX stating the bankruptcy in your records was removed. How was XXXX able to verify this information after it was deleted in Lexisnexis data 4 months prior of XXXX  starting their investigation on XX/XX/XXXX while claiming the investigation was completed and verified by Lexisnexis by on XX/XX/XXXX. I would like to know if XXXX contacted Lexisnexis and did their due diligence to confirm the accuracy or did they just recklessly violate my rights without an investigation. On XX/XX/XXXX I also spoke to XXXX rep explaining that I just got off the phone with Lexisnexis stating they would contact XXXX to remove and delete the bankruptcy. On XX/XX/XXXX I spoke with XXXX rep and during our call he stated if Lexisnexis confirms it's not in their records they would remove and delete it. I am Holding Lexisnexis accountable to contacting XXXX to verify the chapter XXXX bankruptcy was deleted from their reports and confirming they are not the furnishers of the bankruptcy data.