davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

RE : Comenity Bank payment options. 

I have a " COMENITY - fullbeauty '' card that I use intermittently. My XX/XX/XXXX statement showed a balance of {$140.00}. I scheduled to pay it in full, electronically, on the due date, XX/XX/XXXX. As of that date, I didn't owe anything on this account. I receive e-statements, but didn't pay attention if/when I got one in XXXX, because I knew the account was paid in full. I happened to check the account today and saw a balance for interest charged on XX/XX/XXXX of {$2.00}. I immediately went online to pay it, but decided to call Comenity to ask how/why I was charged interest on a {$0.00} balance. I wanted to dispute both the interest and any possible late fee. 

Apparently, last XXXX, Comenity sent an update in terms that instructs account holders to select their online payment method differently if they are paying off the account in full. If you chose the wrong method, it breaks the payment up. You have to choose the " Save on Interest '' option. So, it sounds like I selected the " wrong '' method, my payment was only partially applied, and they charged interest on the other half of the balance, even though I had already paid it. I guess I would be OK with it if their system auto-corrected it, but it doesn't. Without a phone call, I would have had the {$2.00} interest charge plus another {$41.00} late fee owed, on a {$0.00} balance. The rep I spoke with was very nice, and spoke impeccable English, but her accent made it difficult to understand, so I am not 100 % I know what she was telling me. It feels wrong, or at least fishy. If I hadn't called and argued, I would have owed > {$40.00} for not following their weird and arbitrary rules that I didn't know about, and still don't understand. If thousands of account holders just let it go, that's a lot of fees. I don't understand why they would do this other than to trap unsuspecting customers. I'm sure they sent the terms, but I couldn't follow what the rep was telling me, so I doubt I would understand the notice they sent. Oddly, I can not find the terms letter they allegedly sent, even though I have Comenity accounts for at least 5 different stores. 

Thought someone there should know. It just doesn't seem right...
Consumer complaint received 2024-03-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (MI)

I got a collection that has been reported on my credit reports for check n go but I have never got a loan from check n go. I also went and reviewed by bank account statements for the year in question and I have never received any funds from this place in any of my statements. Ive had the same and only bank account since a minor, and its to my understanding that advance check places would have had to collect my bank account information in order to approve a loan. Not once have they attempted to collect out my account or deposited any funds into my bank account for me to ever owe them any funds.
Consumer complaint received 2022-09-10
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. (CA)

I consolidated my student loans with XXXX and XXXXXXXX XXXX XXXX on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both XXXX and XXXXXXXX XXXX XXXX have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, TransUnion, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.
Consumer complaint received 2021-04-22
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. (NY)

Attention to XXXX, Equifax, and XXXX, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.
Consumer complaint received 2022-09-10
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX
Consumer complaint received 2022-03-31
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: NAVY FEDERAL CREDIT UNION (TX)

I Consumer, XXXX XXXX extended credit to Navy Federal Credit Union ( NFCU ) entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Navy Federal account listed on my consumer report that I provided in the attachments be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple laws that state that the consumer has a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Consumer complaint received 2024-03-25
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MA)

I asked the bank if they can postpone the sale of my property, which my mother have I asked the bank why they didn't tell me that the property was being foreclosed on XX/XX/XXXX and they said they sent notice, but the notice that I received did not have any date or time on it, so how would I know? I only received the date a few days ago when a realtor knocked on my door. 

I have been trying to refinance the property to get out of my mothers reverse mortgage, which we were unaware that she did at the time, and the bank would not work with me while I was going through the probate process to get the proper paperwork to refinance. Now the house is being foreclosed on and I just want to sell it to get my equity and my dignity back. This bank has been nothing but rude and I have a feeling they were predatory towards my mother as she would never sign off on this. We had no idea until just after her XXXX  death. 

The bank has not given me a chance to keep the property. Please postpone this so I can sort things out without a foreclosure and getting kicked out of my home while still grieving.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Rep

orting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX
Consumer complaint received 2021-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (KY)

My car was repossessed on XX/XX/XXXX or XX/XX/XXXX after bankruptcy was discharged on XX/XX/XXXX. The vehicle, a XXXX XXXX XXXX financed with GM Financial, was included in the Bankruptcy and the last payment I made on the vehicle was XX/XX/XXXX. I did not receive any notice that the loan reaffirmation was not approved and I did not receive any notice that my vehicle will be repossessed for amount owed before/after bankruptcy. I called GM Financial on XX/XX/XXXX to see if there is any option to get the vehicle back, but the GM representative who helped me said I have to speak with a certain center handing my account that might not be there because of the holiday. I asked for the phone number of that location in case they are not available, but she declined giving me the contact number saying I would have to leave a message.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

my car was totaled on XXXX XXXX, 2015. My insurance company and the gap plan I purchased paid the loan off. The payment is being reported as late. However, the insurance company had submitted payment paying off the car. I have tried on several occasions to resolve this issue with XXXX XXXX XXXX.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A month ago I requested statements for my card XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX I can not access on website in my account beacuse only displays XXXX Please forward me copies og the above so I can reconcile with airlines my vouchers due to Covid
Consumer complaint received 2022-09-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit act PORTFOLIO RECOVERY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021 around XXXX.. I checked my Wells Fargo online banking account and noticed a charge for XXXX from XXXX  and immediately called the fraud center to report that my card had been compromised. At XXXX that evening, I received a call back during my work hours from the same number I had called at XXXX and thought for sure it was my bank calling about my dispute.. come to find out it was a scam and the scammers got my information because they acted like they were helping me and with Wells Fargo.. They wire transferred {$14000.00} from my account through XXXX XXXX in California. My entire savings, {$2000.00} from my credit card, and all of my checking account completely wiped. Here I am about to turn XXXX tomorrow, a XXXX XXXX XXXX XXXX, and trying to close on a new home and my life is torn now. I have XXXX money in my account and XXXX help from my bank Wells Fargo. They keep telling me my money is not insured but if they would have just closed my account when I first called them then this would not have happened the way it did. I am without a doubt screwed if I can't get that money back. I will be XXXX, with a XXXX, XXXX XXXX XXXX. Please help me.
Consumer complaint received 2021-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (MS)

Paid loan off early per information provided by company. Received a letter from company thanking me for my business and even said I was due a refund due to a overpayment. This was XX/XX/2021. Yet the collection department keeps on attempting to draft payment after this and even adds late payments and reports to credit agencies that I am late. Their departments can not coordinate and my calls to the company go nowhere. They say that regardless of a letter and cashed payments from the document dept. I own several XXXX dollars and cant seem to provide any monetary breakdown to show how they come to this amount.
Consumer complaint received 2022-12-14
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (TX)

I have 4 private student loans serviced by American Education Services. 3 held by NCT and 1 that was with XXXX and apparently has been sold to XXXX but is still serviced by AES. After falling behind on my loans, they were sent to different collection agencies ( XXXX XXXX XXXX XXXX ). I recieved a debt collection letter from these agencies ( XX/XX/XXXX andXX/XX/XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then AES continued to try to collect the debts. I then sent them a letter onXX/XX/XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). OnXX/XX/XXXX I received a letter from AES regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 NCT loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

We just learned today of yet another credit reporting company XXXX  after our information was hacked through Equifax. We had put credit freezes on the other bureaus several years ago and upon learning of XXXX are trying to do the same. XXXX has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation!
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen.
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period?
We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People, will rise!
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (SC)

I opened a credit card at a merchant when purchasing lawn furniture and hot tub. I was told the furniture had no interest if paid in XXXX months and the hot tub, no interest if paid in XXXX months. I have been paying over the minimum payment all year, and now received a call that Wells Fargo, the card issuer, is charging interest. I am baffled, since my balance is much lower than the lawn furniture cost, since I paid more than the minimum every month. Now, the woman is explaining it is XXXX different types of promotions and it depends on the way they applied the payments. I am very upset with how poorly the promotion was explained. I have been fortunate enough to use deferred and no interest offers through different banks and never had this problem! Wells Fargo needs to be reigned in.
Consumer complaint received 2024-03-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC. (FL)

I signed up for XXXX in XXXX of XXXX, for an 8 month treatment plan. I chose the monthly finance option at $ XXXX to pay off the total of {$2300.00} in installments. When I chose XXXX, I was heavily swayed by their Lifetime Guarantee, which promises continued care for retainers, as well as touch-up aligners. This guarantee led me to choose XXXX, and justify the cost. Following their initial statements in XX/XX/year> about a " restructuring '' I began to question whether I'd be held responsible for the full payment, since I will no longer be provided care following my treatment. In addition, as I was nearing my last aligner, I reached out to request touch-up aligners since my teeth had NOT shifted in the way that was shown on my 3D scan. I had a virtual appointment with a XXXX representative where he took photos of my teeth, and received an email some time after that I did not qualify for touch-ups. This did not make sense considering the two teeth that bothered me most, and led me to XXXX, were still out of place. I asked for the appropriate contact ( s ) at XXXX in order to reach a resolution, both for the touch up, and my question on payment. My requests were ignored and I watched as XXXX went bankrupt, shut down their app, removed my access to my records, and hastily directed customers like myself to Healthcare Finance Direct for payment continuation, via an email blast. I have tried reaching out directly to HFD in order to resolve my payment issues, but no one has given me any resources or assistance with this. When I signed the contract with XXXX, they were contractually obligated to offer their Lifetime Guarantee, as well as promised to offer touch ups after treatment. They have breached this contract following bankruptcy, and I should not be held responsible for the remaining payments, as I am NOT receiving the services laid out in that contract.