davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CT)

My XXXX 's Comenity bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called Comenity credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of Comenity Banks ineptitude and lack of follow through on their end.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXXXXXX account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A. (NC)

Since graduating in 2010 I have been paying a monthly bill thinking that I have been pay off some of the principal balance but it looking further into it, my principal balance as been increasing. The way they setup payment plans is set only to have you paying off interest to the loan so they can extend the interest for as long as possible. It extremely deceiving and unethical.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, LLC ( INC ) /XXXX XXXX XXXX , XXXX is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private XXXX. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress.

4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with Portfolio Recovery Associates, LLC ( INC ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
Consumer complaint received 2021-11-30
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)

XX/XX/XXXX I sent XXXX, XXXX and Equifax dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all XXXX items from my report. I never received remedy for the damages.
Consumer complaint received 2021-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Selene finance is the mortgage servicer, I closed on my property on XX/XX/2021 and had to make my first payment on XX/XX/2021, I Made the payment on XX/XX/2021 to Selene finance, on XX/XX/XXXX I received a letter from Selene finance stating that they had sold my loan to XXXX XXXX on XX/XX/2021 but failed to send me notice, the payment made to them was never applied to my account nor forwarded to XXXX XXXX, now XXXX XXXX wants the XXXX payment from me, i have made many calls to Selene financial to send the payment to XXXX XXXX but after 4 months they still havent, I have provided all this info to XXXX XXXX but they continue to harass me for the XXXX payment being stolen by Selene finance
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

I applied for the Apple Credit Card in the beginning of XXXX. I was denied credit and not given a proper expiration that i agree with as to why I was denied credit. I applied for Apple Credit Card again on XX/XX/2021. I was denied credit again without proper reasoning. Goldman Sachs Bank Actions is a Violation of the Equal Credit Opportunity Act ( 12 CFR 1002 ) See attachments
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

On XXXX XXXX  2018, I called Navient Student Loan Company about receiving the XXXX  form for interest paid on a student loan. I am the cosigner paying on the loan because this was messing up my credit score. Navient will not send the XXXX form to me to report on my income taxes. Instead they are sending it to the main signer. This is a violation of consumer and tax law. Many cosigners who are paying on student loans will be dealing with the same problem. Please do something about this.

Thank you.
Consumer complaint received 2022-04-29
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. (CT)

My XXXX 's XXXX bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called XXXX credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of XXXX Banks ineptitude and lack of follow through on their end.
Consumer complaint received 2018-02-05
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: CITIBANK, N.A. (NC)

I applied for an XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX. I did this because they were offering XXXX milies as a bonus. Because I had an XXXX XXXX XXXX in the recent pass in my name not the XXXX, I wanted to make sure that we would qualify for the bonus miles because I am well aware of the " waiting period '' required to be eligible. After explaining this the person I talked with assured me I would be eligible. 
Having spent the required {$3000.00} ; last week when I inquired as to where were the bonus miles, the person said you are not eligible because of the timing but would submit an appeal. Today, XX/XX/XXXX, I did receive a letter from them saying " we added XXXX XXXX XXXX XXXX miles to your account. '' The bonus offer was for XXXX. 
I don't record my telephone conversations but XXXX XXXX probably does which would verify my comments. 
Bottom line, this is the second time this has occurred ( the other time with XXXX XXXX ). A credit card company should not approve an application for bonus miles if the person or entity applying is not eligible for the bonus due to the time interval of previous card ownership. To " string '' a person out so that they will spend the {$3000.00} upfront money in a 90 day period and then tell them " Oh, guess what, you weren't eligible for the bonus miles you applied for. '' This is an unfair business practice and the CFPB needs to do something about it.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MO)

I made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX  to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX  tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX  didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC (NV)

Although I no longer work at my old job, this number continues to call about a debt which they refuse to disclose when you call the number. My old coworkers have told them to cease calls at the work place. They now call my new phone under an Unknown Number. The voicemails left on company messaging contain information they claimed they have received from my public record.
Consumer complaint received 2018-02-05
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. (MD)

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I had my wallet stolen with all of my information in it including, Social Security card, XXXX card, credit and debit cards, driver 's license, medical insurance cards, everything. I spent all day yesterday trying to close everything, since I learned the information was on the black web immediately. Experian refused to freeze my account without my buying an expensive monthly protection plan. The other two companies froze my account. The most Experian would do is put a fraud alert on the account without money. 

I've had to close my bank accounts, call credit card companies, everything. 
I was unable to reach Experian by telephone, because it was the weekend. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (DE)

I submitted an online wire transfer {$80.00} from Wells Fargo which they charged me {$25.00} dollars. At XXXX XX/XX/2024. I called after 2 hours because as I checked my other bank account I noticed the wire hadnt arrived at my bank. So I called Wells Fargo back I talked to XXXX she told me a wire transfer takes 2-3 business days. I said I dont think thats right are you talking about an ACH transfer she said no.i said ok. Hung up the phone I called back XXXX at XXXX talked to heady she told me a wire transfers takes 2-3 business days I told here a wire transfer should take a couple of hours. Then I asked her why when I call in regards to a electronic wire transfer you guys make it seem as if Im making a ach transfer? She said all wires take that long Im like no they dont. I sent up 3wires the same way to my other accounts and they took no line then 30mins to reach there. I told her if they dont do wire transfers just say that. But she said they did. I said so why did you guys charge me $ XXXX same day service when clearly you didnt provide me same day service. Told her I wanted a refund. And then she kept putting me on hold to verify my info. And which they knew already. I hung up the phone after the second time she said she was making a case but I was on the phone waiting for XXXX. I know they will probably say I hung up. But I shouldnt have been on hold that long for someone to work a case.for my refund.bout XXXX something I hung up the phone cause I had errands to take care of I check my account and the money appears in there. But she was also tell me that the transaction completed and everything yesterday which is not true cause I checked my Wells Fargo acct to see if the money left my account and is was still in pending status well past XXXX XXXX which I feel like they submitted my payment lastnight early this morning. Reason it came late which I was charge same day service I didnt get.
Consumer complaint received 2021-03-29
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: BARCLAYS BANK DELAWARE (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (FL)

As I am not admitting to this dept, this was added to credit report in XXXX of 2020. 

I have not done any transactions with XXXX XXXX  - ( MIDWEST RECOVERY ) AT ANYTIME IN OVER TEN YEARS. 

THIS IS ANY EXAMPLE OF OF RE AGING A DEPT, LONG AFTER STATUE OF LIMITATIONS.
Consumer complaint received 2019-11-13
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

XX/XX/2021 CAINE & WEINER HAS PLACED A NEW COLLECTION ON MY CREDIT REPORT AND I'M CURRENTLY MAKING PAYEMNTS TO THE ORIGINAL AGENCY AND BY LAW THIS IS VIOLATION OF MY RIGHTS AND 2 COLLECTIONS CAN NOT BE HONORED CAINE & WEINER SHOULD NOT HAVE MY INFORMATION TO REPORT FALSE DEBTS AND DAMAGE MY CREDIT AS THIS IS DEFAMATION OF CHARACTER AND I HAVE PROOF OF CURRENT PAYMENT, I HAVE REQUESTED INFORMATION AND HAVE NOT RECEIEVED ANYTHING BACK.
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OneMain Finance Corporation (FL)

My son has a loan with ONE MAIN FINANCIAL LLC, I believe that he has problems with payment or so, I do not know specific information, but here 's the complaint : Beginning of the first days of XX/XX/2021, myself, my wife, my mother, my step-father, my brother, my sister, and my brother in law started to receive several calls from the debt collector from the ONE MAIN FINANCIAL, when called they identify as XXXX XXXX a courier company looking for my son to give him very important documentation. In most of the calls, when we answer, we let them know that we will take the information supplied from them and try to transfer it to my son. They again call us and again some of us let them know to want they stop to call us, but they let us know they will remain to call us up to my son pay the money owed to them. Today XX/XX/2021, I received a call from MR. XXXX XXXX from the same company XXXX XXXX, when I asked him not to call me again, he just stated that I have no teaching my son to be responsible, that if I did not do that they will do, and again reaffirm to me that they will continue calling every one of us and they will stop when my son pay the money. I feel my family is being threatened. 
Finally, when I ask my son about this, he told me they had filed a lawsuit in court and that he is working on it, I ask then to stop calling me and my family, reserving our right to take legal actions if they do not stop.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (OH)

I checked my credit report and noticed a collections from Consumer Adjustment Company for the amount of {$480.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with Consumer Adjustment XXXX. They did not provide me with the original contract as I requested
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted this bureau serval times informing them that upon review of my credit report i noticed that there were inaccurate and incorrectly reporting inquiries that i DID NOT consent to nor authorized. Yet these inquires still remain on my consumers report. 
XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I deposited {$2100.00} via atm ( it was same atm of bank ) and only {$300.00} was credited to my account.I am misssing a sum of {$1800.00} and filed a complaint with bank but the bank has put my case in processing .I needed to pay credit card bill with that money but couldnt access it.Bank name is Bank of America