davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (MD)

In XX/XX/XXXX, I was facing eviction and a cut-off of my utilities. I tried numerous ways to secure money to help avoid this problem. Unfortunately, I couldn't get any help. For that reason, I felt I had no choice, so I reached out to a payday loan company by the name of XXXX. I secured this loan in good faith and now I believe the company is holding me XXXX with unreasonable requests. The loan was for {$600.00} dollars and it was deposited into my account on XX/XX/XXXX. Every month beginning XX/XX/XXXX to this day, XXXX  has taken out of my account {$210.00} each month, for a total of {$1400.00}. I tried to close the account out on XX/XX/XXXX, but I was told that I would need {$530.00} to pay it off. I asked them how many more months would it take to pay off the loan, entirely, at the current monthly rate? The representatives at XXXX  told me, 3 more months, to XX/XX/XXXX. I can't afford this. I don't disagree that I borrowed the money in good faith but I believe XXXX is taking advantage of me. This is outrageous! I think I've more than satisfied this loan. I am a recently retired federal government employee and I live on a fixed income. In order to resolve this matter, I am hoping, CFPB sends a Cease-and-Desist letter to XXXX, demanding they stop all future debits from my banking account. Thank you.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service (SC)

Military Star Card : XXXX XXXX XXXX for activity duty and retired service members and there family. I Got behind on my star card and was unable to catch up my payments when I started working for USPS star card collections agency contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX XXXX XXXX has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX program for a major setback due to a triggering event at work regarding a member of the management team being XXXX for XXXX XXXX XXXX XXXX XXXX and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with XXXX XXXX XXXX explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX XXXX this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (UT)

XX/XX/2020. Charged 4, {$36.00} overdraft fees for items that show they were cleared on XX/XX/2020. Spoke with branch manager XXXX XXXX XX/XX/2020. Unwilling to help on anything. I do have printouts of account.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX XXXX/Comenity Bank reported a late payment past due 30 days on my credit report. I had no idea that I even had a balance on the card. I thought I had already paid the balance in full. So for two charges in XXXX totaling {$63.00}, I had to pay late feels totaling {$64.00}. I have had this problem with XXXX XXXX before ( XX/XX/XXXX ) because they do not offer auto pay as all other credits now offer. I've requested auto pay services from them several times to avoid this type of situation and they always say they don't offer it at this time. Comenity actually had to refund me late fees previously because they mistakenly charged me for balances already paid. Once again, I have a negative delinquency on my credit report from XXXX  XXXX for an amount that could have easily been paid in full if XXXX actually made the effort to call me and let me know that there was a balance on my account that was past due. They send statements via email as I opted for paperless statements but since I thought I had no balance I didn't look at the statements thinking I was free and clear. Comenity has been quick to charge exhorbitant late fees on top of the 24.99 % APR that they charge on purchases without making the effort to call me and bring this issue to my attention prior to reporting to credit agencies which will impact my credit for years to come for a negligible amount of money that could have been paid in full if they made the effort to call me prior to reporting delinquency. I have had this account open for 13 years since XXXX and the balances have always been paid, even if over time but they have been paid in full. Comenity continues to take advantage of consumers by refusing to institute auto pay, not making effort to call consumers prior to reporting to credit agencies. I will no longer be using my J. Crew card as the only reason I used it was for discounts but TWO marks on my credit history on top of late fees and high APR erases any benefit of discounts when using the credit card.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis Credit Management XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX The named agency above is reporting a collection account to my credit account for the original creditor XXXX XXXX at XXXX. I contacted XXXX XXXX at XXXX with proof that I had to XXXX XXXX XXXX XXXX  to XXXX XXXXXXXX and also provided documentation from a legal advocate at the XXXX XXXXXXXX shelter I resided in, however the debt was still sent out for collection which goes against the XXXX XXXX XXXX which states victims of XXXX XXXXXXXX are not liable for debt incurred due to fleeing XXXX XXXXXXXX. I then also provided that same documentation several times to the collection agency I am writing this formal complaint against. I sent notice that they were violating my FCRA rights by reporting a debt that I was not legally liable for being a victim of XXXX. I also sent in the same documentation to support my facts ; however, the company Genesis Credit Management is still reporting this account as a collection illegally even after several notices.
Consumer complaint received 2021-01-20
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. (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This CFPB complaint that I am filling is in response to my multiple attempts with XXXX XXXX and TransUnion to resolve my concern. XXXX  XXXX XXXX is reporting as Authorized User in my credit report. XXXX I request to be removed from this account explaining that I never wanted to part of this account but my Aunt added me thinking that she can help me build credit. But I never wanted it and now that she went through hard times this account is now reporting late payments and negatively affecting my credit score. Even I have been removed Bureau Code : Terminated from the account this account continues to report in Transunion and still affecting my credit score. I need Transunion to delete this from my credit report. I don't want this account affect my credit score that I am now trying to build.
Consumer complaint received 2020-07-19
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. (MI)

I spoke to a representative at experian about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX date of inquiry : XX/XX/XXXX 5. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX  Date of inquiry : XX/XX/XXXX 7.  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 9.XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-01-07
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. (GA)

I sent a billing error notice for an erroneous account that is being listed on my both my XXXX and Transunion credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather XXXX is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported TransUnion and they said it was deleted from my account but has not been yet.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

This complaint concerns XXXX XXXX XXXX XXXX XXXX Account No. XXXX As per our conversation on XX/XX/XXXX, XXXX XXXX XXXX represented that upon receipt of my last payment on the above referenced that they would remove any delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies. By payment on XX/XX/XXXX, I satisfied my obligation to XXXX XXXX XXXX with my last payment. Nevertheless, the continue to report my account as delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies contrary to our XX/XX/XXXX agreement.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a Request for Mortgage Assistance with my loan servicer Specialized Loan Servicing LLC ( SLS ) on XX/XX/2020. I received a Trial Modification Plan ( Original Plan ) on  XX/XX/2020. I fully complied with the Original Plan. On XX/XX/2020, I received the Permanent Modification Agreement ( New Plan ) that had none of the tems of the Original Plan of XX/XX/2020. In fact, all the tems were unfavorable compared to the terms of the Original Plan. I have not received any correspondence from SLS  informing me of failure to fulfill any terms of the Original Plan of  XX/XX/2020. Now, SLS refuses to perform and enforce the Original Plan of XX/XX/2020.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Used XXXX through my banking app to transfer money for custom glass art that I was purchasing online. I sent {$500.00} XX/XX/XXXX and then another {$500.00} XX/XX/XXXX but didn't post until XX/XX/XXXX seller told me he received the money and that he would start the custom work and I would have a tracking number in a week and the art work in a week after receiving tracking number. A week went by and didn't hear anything I contact art seller and he informs me he q and s short on material and the art pieces will be done in the next few days and I'll be hearing from him. 3 days go by no phone calls or email so I call and his phone is disconnected and I can not reach him. I used XXXX through my bank and thought it was secure due to my bank offering it as a service no where did they disclose that there was no protection and that I should only send it to people I know personally. I called my bank to try to resolve the issue and they told me there's nothing they can do about it how can a bank offer services without protecting their customers or at least making it clear there's no protection for buying goods though Wells Fargo mobile app using XXXX
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from Bank of America. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from my credit report
Consumer complaint received 2021-02-21
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)

XXXX is reporting a fraudulent account under my credit that i did not open, on my Transunion, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made with and on : XXXX - ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Thank you.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX i sent a mail to the XXXX, equifax and XXXX  regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (LA)

Victoria Secrete ( Comenity Bank ) is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX. After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, Victoria 's Secrete closed my account. When I tried to call and dispute the late payment status with Victorias Secrete, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from Victorias Secret who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for Victoria Secrete to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 master degrees. I applied for an unemployment deferment and it shows 90 days late.
Consumer complaint received 2017-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (PA)

I reconsolidated my student loan debt thinking it was the smart thing to do. I work for a non-profit agency and have for the past 10 years. I reconsolidated back in XX/XX/XXXX. 

I was nit too familiar with the company I chose to refinance and was overwhelmed at the time due to financial difficulties of going through a divorce with a child. 

I pay my loan to XXXX XXXX of {$180.00}, in the middle of the month, but then I get a separate charge taken directly out of my bank account under Equitable Acceptance of {$45.00} at the end of the month. Equitable Acceptance is a third party, but I never seem to get a clear answer as to why I being charged this fee when the whole idea is for me to pay less and have loan forgiveness in 10 years.