davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Ive been trying to work with the company that handles my XXXX Credit Card. 

XXXX XXXX. 

Ive spoken to them multiple times and tried to work the problems out with them but theyve not only threatened to sue me in the past, but theyve also started manipulating my statements and lying to me. 

Theyve also started calling me multiple times a day again, even when Ive mentioned to them multiple times that I work XXXX to XXXX most days. 

They called me 5 times yesterday, and another 3 times already today within one hour. 

I recently agreed to three automatic withdraws from them to bring my account current and my last automatic payment was on XX/XX/XXXX. Theyve charged me a late fee on my last statement which is not fair, as they were the ones that authorized when the payment went through. 

Theyre also telling me I have a missed payment, which doesnt reflect on my statement either as it says my next payment is due on XX/XX/XXXX. 

This company has been the absolute worst creditor I have ever worked with. 

They do nothing for their consumers and will abuse every exploit that they can to make it as hard as humanly possible for you to pay your debts.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The four major credit bureaus, XXXX, XXXX, XXXX, and Experian are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings (VA)

I applied for rental with XXXXXXXX XXXX XXXXXXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact saferent rent and ask for a copy of the consumer report used. Saferent did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from XXXX. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. XXXX has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. XXXX informed me they have my accurate consumer information so the mistake is on saferent. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using Saferent.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (MN)

Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for XXXX, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct XXXX  as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WA)

I lived in XXXX XXXX XXXX during XX/XX/XXXX -XX/XX/XXXX. XXXX XXXX was my utility provider for a year or so. I moved to XXXX afterward, and never heard from XXXX XXXX and this collector I C SYSTEM at all ( e.x., phone/email/mail ). Recently I requested a credit report from XXXX  ( XXXX XXXX XXXX ) and saw that I C SYSTEM has been collecting debit all the time ( even this month ).

Apparently, this event has been affecting my credit record for a long time ; I am willing to pay this {$52.00} bill, but I have to know that what it's for. Also, I don't have any reference number for paying on I C SYSTEM INC 's website ( https : //pay.icsystem.com/ ). Thus, please help to me to resolve this issue and hopefully repair my credit score. Thank you!

Account Name : I C SYSTEM INC ( XXXX  ) Original Creditor : XXXX XXXX Open Date :XX/XX/XXXX Balance : {$52.00} Contact Information : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX.

My wife applied for J.P.Morgan Chase Sapphire Preferred Card at the end of XX/XX/XXXX.

The decision to apply for this card is based on Chase 's promotions : 1. XXXX points after spending {$4000.00} at the first 3 months ; XXXX XXXX additional points for adding authorized user ; 3. {$0.00} intro annual fee, {$95.00} after 1st year ; However, when we received the card on XX/XX/XXXX, we saw there's this charge of {$95.00} annual fee dated XX/XX/XXXX already showed up in the account.

I called Chase 2 times and both 1 tier service agent and her supervisors refuse to honor the promotion shows in the screenshots attached.

XXXX
Consumer complaint received 2022-04-05
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 (MT)

Amazon Synchrony The Billing Date is on the XXXX of the month. 
When you pay the balance in full between the XXXX and XXXX then it does not count as a payment for the billing cycle ending on the XXXX. 
Any charges made after full payment an the XXXX of the month will be due by the XXXX of the next month or be considered past due and a late charge is charged. 
I have complained to the company and have been told that I can only make payments between the XXXX and the XXXX of each month or they will be applied to the previous month. 1 ] its hard to remember that we can not puchase anything on Amazon until after the XXXX of each month. 2 ] if the billing cycle ends on the XXXX any payments after that billing cycle ends should go to the next billing cycle, after all if we missed that date with a payment we would be penalized. 
The answer I get when trying to work this out is " I'm sorry but this is a company policy ''
Consumer complaint received 2021-07-17
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. (FL)

I was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated. No consent is identity theft Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I do not give XXXX  any written consent or was advised about having the right to not have my reports furnished how is this possible when this is not legal this is Identity theft, I demand the deletion of these transactions listed below immediately they are a violation of my rights as a federally protected consumer under USC 15 title chapter 41 Under penalty of perjury, I agree everything is true. I have sent over this letter to equifax, and I know that I am a protected consumer and i demand these items be deleted. 
XXXX XXXX  account number XXXX XXXX XXXX  Auto Loan / Account number XXXX XXXX XXXX  / Account number XXXX
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I paid almost! XXXX To XXXX SLS They say I am delinquent I am not Where is the {$70000.00}?????????? 
They lai cheat This their way to foreclosed and take peoples home make it look like they are right This is their way of business They make money off or fraudulent foreclosure fraudulent late fees cheat They have to use this strategy just to take propkes home and have exude to foreclose
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has been my bank for 29 years. I was attacked by a pit bull and have a go fund me account that deposits directly into my account. They have {$800.00} they are holding, with no reason. The fraud department does n't know, the banking XXXX does n't know. They are holding money that will help me pay for my bills since I ca n't work. How do I get my {$800.00} back. Since I have to lay at home I have had hours of conversations with numerous " specialists '' and they still do n't have an answer. What do I do?
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

received a voicemail Wednesday XX/XX/XXXX at XXXX via phone number of : XXXX ( XXXX ) XXXX, stating the following : " this message contains a personal note is for we are calling to make you aware that there has been a complaint filed on your name you have an opportunity to contact the filling party and handle this on your round to stop further action they can be reached at your case number is XXXX, failure to respond will result in further action to a solution ''. 

They called again today XX/XX/XXXX XXXX from the same number advising that they could confirm my last four to my social as well as informing me I have a balance of {$790.00} due to Fifth Third Bank from XX/XX/XXXX. That I would need to make a payment today, I have two options : 3 months paying XXXX, or XXXX in full. I stated no I would like verification and was told that at this point it would be unnecessary, and I could get proof of debt once I agreed to make a payment now, or set up a [ payment plan with a card. I asked for a name and address and was told for their own protection they do not give out that information, I could have my lawyer call. I spoke with XXXX at extension XXXX. He was able to provide me with a different reference number outside of what was left on my voice mail of " XXXX ''. He asked if I was able to make an installment of {$50.00} and again biweekly until balance of {$390.00} was paid in full, advising me that I had until XX/XX/XXXX.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I have notified collection agency that debt is not valid, as they are collecting for XXXX XXXX XXXX, never did I sign up for XXXX XXXX as I have had XXXX XXXX XXXX XXXX, I simply requested a quote. I advised collection agency numerous times, through phone, email and messages this is not a valid debt, nor do I owe them for this debt, they responded by validating the debt on my credit bureau and adding it a second time, so now the debt shows up 2 times.
Consumer complaint received 2018-04-03
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. (NJ)

After running my credit report at Experian I identified that there were multiple accounts that had been included in my bankruptcy chapter XXXX XXXX case number XXXX ) that have not been deleted off my report. The original creditor XXXX XXXX and the collection agency XXXX XXXX were both listed in line item XXXX. I have called the creditor as well as the collection agency and Experian to resolve this issue and have not been able to have the account noted as included in the bankruptcy and subsequently deleted.
Consumer complaint received 2023-01-28
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. (PA)

Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Experian. Experian you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Experian was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions for Experian to furnish anything.
Consumer complaint received 2021-08-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

This is to advise you in writing and formally that FCI 's end of term tactics of : 1. sending end of term correspondence to an address where they DO NOT bill me and have full knowledge that I do not reside and at which I do not receive mail is explicitly contradictory to the intent of truth-in-lending legislation.

2. FCI failing to respond to email correspondence from me advising FCI of the correct address for any and all such correspondence, which is in fact the same address FCI has used to send mebilling statements for every month of the term of the loan is also explicitly contradictory to the intent of truth-in-lending legislation.

3. FCI failing to respond to phone calls after leaving contact phone numbers in their phone system is also explicitly contradictory to the intent of truth-in-lending legislation.

4. Automated hang-ups from FCI phone system on callers who are attempting to leave their phone number for a call back from your firm after your system represents that caller will not lose their place in line is explicitly contradictory to the intent of truth-in-lending legislation.

FCI has an affirmative duty to operate in accordance with ALL END OF TERM LEGISLATION ON ALL LOANS SERVED BY FCI.

This correspondence is therefore being forwarded to the truth-in-lending regulatory board to notify them of the further dishonest operations of FCI.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

Issue with COVID-19 Payment Relief I have spoken to Customer Service several time, my calls received by agents in XXXX and also I receive agent 's calls from XXXX. Simply, these agents do not not how to handle COVID-19 payment relief requests. 

I requested for COVID-19 payment relief and thought it all went OK but I noticed a late payment on my credit report. I contacted back and I was told that it has happened because I did not pay the late fee. The agent from XXXX said he will need a payment before setting up COVID-19 payment relief. But, he was not the only agent said it to me, there were several other agent from XXXX said the same to me. One of the agents said that he will credit my account with {$15.00} if I pay my bill to him. 

after i filed the complaint against the bank i told them that i filed the next day the reduced my credit limit by {$70.00} which caused my credit score to drop by 69 points, i called them and asked why are they keep asking to make a payment when i requested covid help, they kept ignoring my question and kept asking when am i going to pay. my concerning is that if the consumer asked for covid payment relief several time why are they asking me to make a payment. that is a violation because the government has motor for all lenders to provide relief not to report to bureau for late payments.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

Opened XXXX XXXX XXXX account with Barclays Bank Delaware transfer balance in XX/XX/XXXX. 
XX/XX/XXXX : Minimum payment {$180.00}, I paid $ XXXX $ XXXX monthly but the balance was going up not down ( even during months no purchases were made ). 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Fees charges ( not purchases ) put card over the limit although higher payments made monthly. contacted Barclays to discuss the option of lowering interest rate, question fees that brought card close to limit, refused to work with customer in good standing, never missed a payment, and always paid more than the minimum. Balance was {$6800.00}. 
XX/XX/XXXX : representative said the company would only work out a payment agreement with customers who were late on payments. 
XX/XX/XXXX : contacted XXXX XXXX XXXX  to work on settlement or payment agreement. They refused to lower interest or settle account. They suggested continue to call, they would be more inclined to agree to settle before it went to collections. I closed the account and disputed charges for over the limit fees which caused additional fees. I received a letter stating account was closed amount owed {$7200.00}, no further charges would be added while dispute was pending. 
XX/XX/XXXX-XX/XX/XXXX : Continued to contact company monthly, they continued to add fees and subsequent over the limit charges, and additional fees. 
XX/XX/XXXX-XX/XX/XXXX : Continued to speak with Barclays, again offered to settle original amount owed, minus fees. 
XX/XX/XXXX : They have sold the account and report monthly to credit bureau. Barclays Bank Delaware does not have record of our conversations and are unwilling to work with me to resolve the issue. XXXX XXXX XXXX is in charge of collections, but will not report to bureaus. XXXX will accept settlement, but will not remove it from the report. 
I tried repeatedly to resolve and come to good standing with Barclays card. Never had a late payment until XX/XX/XXXX when trying to work with them to remove the over-limit fees. They continued to charge fees past the time account was closed and involved in dispute.
Consumer complaint received 2020-08-31
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$950.00} XXXX XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX {$420.00}