davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (PA)

I have had a credit card with Comenity bank for their Victorias Secret credit card. My payment due date has always been on the first of the month by XXXX XXXX. When i logged into my account to make a payment today at XXXX XXXX, i was notified that the cut off limit for payments that day had been changed from XXXX EST to XXXX XXXX EST. No mailing had been sent to me to notify me of the new terms of my credit card. Furthermore, i am signed up in paperless billing, and no e notice or email was sent to my account. Supposedly, I have had my late charge removed, but I have no confirmation of that. This is an extremely deceptive tactic and regardless of if my late fee is waived or not, government agencies absolutely need to follow up with Comenity bank on this
Consumer complaint received 2020-12-01
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)

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

on this site you state that 'You can not be charged a late fee if you paid at least the minimum amount due and your payment was received by XXXX XXXX. ( in the time zone where payments should be received ) on the date it was due. ' However, this has not been the case with my TJX Rewards Platinum MasterCard from XXXX XXXX. 

My credit card statement includes the warning : 'Late Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to {$35.00}. ' My payment due date is the XXXX of each month and I have paid at least twice the minimum due each month before the due date, yet I have been assessed a late fees. For example, in XXXX, my due date was XXXX XXXX and my minimum due was {$140.00}. I made a {$200.00} payment on XXXX XXXX, and a {$100.00} payment on XXXX XXXX, yet I was charged a late fee for this billing cycle. 

I called the company and was told that the payment made on XXXX XXXX was counted towards the XXXX billing cycle ( which ended XXXX XXXX ) and thus did not count towards the minimum payment due in XXXX. It also did not count towards the minimum due in XXXX because it was after the due date of XXXX XXXX. Therefore, any payments made between the due date and the 'cycle date ' do not count towards the minimum payment due for either month. I asked to speak to a supervisor on XXXX XXXX ( around XXXX XXXX ) and asked where this was disclosed, the supervisor stated that it was in the terms of service - it took him several minutes to find a reference to it - which stated that only one payment was due per billing cycle.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

In XXXX  2023, Chase Bank canceled my checking and savings accounts after I told them I had been sending money to a young family in XXXX. It has caused great financial hardship since that time. 
I was a XXXX member and XXXX XXXX customer.
Consumer complaint received 2020-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (UT)

In the summer of XXXX, I was diagnosed with XXXX. I called Sallie Mae to see if they had a program for people in my situation, who could not afford to pay their monthly bills, due to XXXX and XXXX. I was XXXX and working full-time was not possible. 

They were non-compliant, by being deceitful. Stating the only thing they could do for me was put me on deferment. I agreed to the deferment. Which, unbeknownst to me at the time of the agreement, increased my interest rate to 11 %. 

In XXXX of XXXX, I learned from Sallie Mae that there is a XXXX program that I was eligible to have applied for previously, but that no longer applies because I am XXXX-free.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (GA)

My account has been placed with XXXX XXXX XXXX. here are the details : XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX. 
Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$1600.00} I had not spoken to XXXX at all until today XX/XX/2020. My mother called and said someone from XXXX called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called XXXX today on XX/XX/2020 at XXXX EST and spoke to a CSR about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from LVNV Funding.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

In XXXX I lost the debit card attached to my bills account. My mortgage was supposed to be autopay so when I got the notice that I was late I set up with the company to pay back the sum in 3 payments. I later found out that they had reported me late for 3 months. They apologized and said that they accidentally sent wrong form to confirm payment agreement. They sent the correct form and I signed and sent back to them. I've been trying from XXXX to have these removed. I checked in XX/XX/XXXX where they removed it.2 days ago. XXXX XXXX I say it reappeared on my report dropping my scores XXXX points.not happy at all
Consumer complaint received 2021-04-10
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: First Advantage LNS Inc. (PA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/ with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I have a new collection show up on my credit report from XXXX XXXX XXXX for a city of XXXX XXXX. I have not lived in XXXX Texas since XXXX and had to clear all of these services before exiting the XXXX in XXXX. I report this info to all three credit Bureaus and to the collection company. While it was removed from two of the Credit bureaus TransUnion did not remove it and made no changes to my account.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

I had a ex girlfriend who used my credit card without my knowledge to rack up many charges. I had two copies of my credit card and the second copy that I kept in my office " disappeared '' for a time. When I questioned my ex-girlfriend about the missing credit card and the additional charges, she claimed that she did not know. Then the credit card magically re-appeared. I then broke up with her because I knew she was lying to me, we only dated for two months which matches up with the timeline of the charges. 

Some of these charges include her doing her nails as well as her phone bill, for which she even prepaid two months. I expressed this to the credit card company and they ruled in her favor, the agent stated that because she was my girlfriend that I must have given her permission to rack up {$2400.00}. I got a letter in the mail explaining their decision over a month after they had already made it, and I have not gotten an electronic version, therefore once I realized there was a decision, I had no way to call them and dispute their decision before the bill was due. Discover Credit cards dispute process is not transparent and it does not benefit you the credit, there is no clear process laid out and communication from the dispute department is non existent. This shows a clear lack of concern for the rights of their credits and shows that they are out to protect the company. I would recommend using another credit card company like chase for daily purchases.
Consumer complaint received 2021-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

PRA is falsely reporting two alleged debts in which I have no agreement with. I have NO agreement of any kind or any amount with PRA. I am not giving them a penny because I owe them nothing. PRA has yet to show me a dated statement from 2017 with MY address. They sent me a copy of a statement with an address that is not mine. And they have never been able to show me a written agreement between myself and PRA. Because there isnt one. I owe PRA nothing. They will get nothing. These two accounts are fraud.
Consumer complaint received 2020-12-02
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)

I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you
Consumer complaint received 2020-09-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION (LA)

XXXX : XXXX XXXX - credit line of {$130000.00} XXXX XXXX XXXX - agreement to make 180, prime rate payments of {$830.00}. 
Maturation XX/XX/XXXX, with a {$25000.00} balloon note. 
XXXX : The BANK CALLED ( unidentified, later ID REGIONS ) " We are going to have to raise your interest rate to 6.74 %. ". There were NO signed documents replacing the original XXXX XXXX  agreement giving REGIONS authority to collect for the loan. REGIONS could not produce the XXXX. XXXX  agreement. They were furnished a copy of the original from MY FILES. One specific remained ie : Loan number. Maturation CHANGED TO XX/XX/XXXX XXXX : REGIONS - In bank meeting - ... '' Balloon note is {$25000.00}. '' XXXX REGIONS - Title search, real estate mortgage, subordination to First Mortgage, NO balloon note, expected principal balance at maturation {$94000.00} XXXX REGIONS - New 15 yr, 4 %, principal has been paid down to XXXX 
PROBLEMS : # 1 - Line of credit originally ; # 2 Absolutely NO documentation of REGIONS loan. # 3 MANY SLEEPLESS NIGHTS AND WORRY
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Hello. I have a hard inquiry at XX/XX/XXXX from XXXX. I see it today for the first time in my record. 
And Ill se that I have incorrect ssn number in report that was from this inquiry. 
But I receive my ssn number XX/XX/XXXX And now because of this error I have hard inquiry that I didnt do. Incorrect ssn number in system.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (FL)

On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.
Consumer complaint received 2020-12-01
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)

On XXXX I've sent Disputes for unknown and inaccurate accounts on my credit report over 30 days now but there's no response yet. I was a victim of XX/XX/XXXX Data Breach. I demand to deleted all the accounts or I will file a litigation.
Consumer complaint received 2021-10-19
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 (TX)

There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from CAPITAL ONE BANK USA on XX/XX/2021 2- Inquiry from XXXX - CARD SERVICE on XX/XX/2021
Consumer complaint received 2021-08-20
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. (AL)

Transunion has been reporting inaccurate information on my credit report, accounts by XXXX XXXX XXXX and XXXX  XXXX  are reporting open still, the CFPB had investigated these accounts and they were closed due to inaccurate information.
Consumer complaint received 2020-11-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC (TN)

Originally the loan was for XXXX, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, XXXX  XXXX XXXX XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX XXXX XXXX and the XXXX  companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; XXXX XXXX ( s ) on a line of credit from XXXX  before XX/XX/XXXX ; or XXXX XXXX ( s ) from XXXX XXXX XXXX XXXX in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. Direct Recovery Services ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from ( DRS ) to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from DRS, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is https : //www.directrecoveryservices.com
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (DE)

Received a call from kinum. Requested that my phone number be removed and representative kept talking over me and ignoring my tcpa request to remove my number. After advising the rep that it is a violation to not remove my phone number he advised that the tcpa act doesnt exist and to educate him on what it is.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Citi account number XXXX On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXXn to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
On XXXX Citi sent a request to XXXX to delete the account from my credit report. 
XXXX has refused to delete Citi account number XXXX. Each time Citi receives a request from Citi they send Citi a request to verify whether the account is accurate. Because Citi continues to verify the account as accurate XXXX   continues to report the account. This round and round has occurred after each of the 5 Citi requests to delete the account. This has no doubt occurred because of the E-Oscar automated system.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MD)

I'm called PayPal prepaid card service/ netspend payroll deposit checking account in XXXX of 2019 to discuss charges from the same fue company in my area for recurring charges that where coming out. From XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and a fue more places including XXXX and XXXX XXXX. XXXX  XXXX and a host of other fake business! They are at All from over seas and XXXX is there 2nd language so it's hard to understand also they are not given correct answers or helpful answers in order to refund my money. Or fix issues please help me.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Skopos Financial, LLC (TX)

My loan thru Skopos was a few months behind due to sickness ( possibly XXXX  ) they accused me of having 3 returned payments which is impossible. They repoed my XXXX  XXXX XXXX  on during the social distancing, covid pandemic.. they have been unable to work with me although i am not able 2 work at the time however i need my car in order to take care of my sick elderly relatives
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My card was stolen from me on XX/XX/21 and I started to receiving deposits of {$1800.00} into my account and whoever had my card started taking out the money so I reported this information to my bank to and they told me that I was depositing {$900.00} checks into my account so I was letting them know that was not me doing those deposits and that I dont use checks at all!!!! So I filed a claim of fraudulent checks was deposited into my account. I have reported this situation over 5 times now because they continue to deposit checks into my account and putting my account into a negative I was asking them if they could close my account or something so they told me they will close my account on XX/XX/21 and that they got my account on hold and that I couldnt open a new account with them in the future ... ..
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial CorpXXXX no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. 

First Franklin Financial Corp., a subsidiary of XXXX XXXXXX/XX/XXXX Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. 

Please note we do not have a Bank of America account number. 

This is added information to the prior complaint that I have filed on XX/XX/XXXX