davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (MO)

I am writing to formally file a complaint against Comenity Capital Bank and the XXXX XXXX  XXXX. They have repeatedly made broken promises and since then have continued to add late charges on top of late charges despite having paid the bill on time and having had multiple representatives promise to waive the late fees. If they had just done what they promised there would not be an issue and this matter would have been resolved. They appear to have a systemic problem at this company of promising consumers one thing and then not following through or documenting the call properly. They also by their own admission have had representatives violate my privacy and their rules by talking with my husband. It seems to be hit and miss on when they apply that standard. Then they turn around and make numerous collections attempts. How many consumers fall into this trap and just give in and pay them. These practices need to be investigated and stopped. I urge you to have them provide you the recordings of the phone calls identified in the documentation attached to prove that they promised to waive the late charges going all the way back to XX/XX/XXXX. 

Attached is the letter and addendum that was also sent to them directly.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

Student loan servicer Nelnet, and credit bureau XXXX has reported 120 day late payments for XXXX, XXXX, and XXXX, XXXX when I have not had any late payments with Nelnet since XXXX. Nelnet is no longer the servicer of my student loans, and has NOT been since XXXX when XXXX took over as the Servicer for ALL loans from Nelnet. The loans are reporting late with a {$0.00} balance. 

I have called Nelnet several times, and they have told me that they are currently NOT the servicer of my loans, and they are NOT reporting for delinquent loans for XXXX. And to contact XXXX, because XXXX  is doing the misreporting. 

I have called XXXX, and have disputed the incorrect late payments with XXXX, but they are stating Nelnet is the one 's reporting this information inaccurately. I have spoken with several reps including Supervisors. The supervisor told me to send in documentation from XXXX confirming they are the current servicer of my loans, and that I have no late payments. Once I did, XXXX  would not honor it. 

XXXX is the only servicer of my student loans, as evidenced with the XXXX XXXX XXXX. The late student loan payments reflecting in XXXX needs to be removed from my credit report, as they are false information. 

I am at the mercy of these 2 companies who refuse to help get this matter resolved. This is illegal, abusive, and an unfair practice that is causing detriment to my family, and myself. I am unable to get into a home with the negative inaccurate reporting which could lead to my family and I being XXXX. Please help me resolve this issue.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield Associates call constantly for XXXX XXXX and I have worked out a payment plan with XXXX directly I have been making monthly payments accordingly Don't understand why they can continue to harass me Calls are coming in as early as XXXX and as late as XXXX Explained I am on a fixed income ( XXXX )
Consumer complaint received 2024-03-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

I am a XXXX XXXX XXXX  in the state of Virginia. My business email was used to open an account with Chime WITHOUT my authorization. I found out due to receiving multiple emails from Chime. I called to remove the email from their system completely. They notified me that my email had been removed but I am not 100 % confident in that information.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, we mistakenly submitted an electronic payment of {$5000.00} to our TJX Credit Card - which is managed by Synchrony Bank. 

We recognized the error and called the bank 's customer service on XX/XX/XXXX via their toll-free number. They promised to refund the money via check in 7-15 business days - which makes the expected receipt of XX/XX/XXXX. 

The bank issued a credit on our account on XX/XX/XXXX and we received a new statement for the period XXXX. XXXX - XX/XX/XXXX via USPS mail on XX/XX/XXXX. ( Note that the statement was receive via USPS just a few days after the statement closing date ) We did not receive the check by XX/XX/XXXX, so we contacted the bank again on XX/XX/XXXX and spoke with XXXX. They promised to cancel the previous check and send a new one via courier and we should expect to receive this in 4 business days an expected receipt by XX/XX/XXXX. 

We did not receive the refund check via courier by XX/XX/XXXX. 
On XX/XX/XXXX we again contacted the bank via their customer service line. We spoke to 4 people. No one could confirm that the check was sent. No one could provide a courier tracking number. All of them suggest that the mail service was slow and we would just have to " be patient '' and wait another 7-15 business days Why did we speak with 4 people? 

Each of the agents we spoke to insisted there was no one to " escalate '' this matter or who could provide additional help or clarity. Each of them said the equivalent of " let me put you on hold to check with someone '' and the line disconnected. In other words, it appears they hung up. 

We have been patient. 

We have waited the proscribed time, but as of this writing, we have not received our refund of {$5000.00}. It is a substantial amount of money and we have no idea when these funds will be returned. 

We would appreciate CFPBs help in getting these funds returned to us as soon as possible
Consumer complaint received 2021-05-05
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. (CA)

My wife XXXX XXXX and I bought a car on XXXX at XXXX XXXX in XXXX, CA. I worked with XXXX XXXX to purchase a new XXXX XXXX XXXX. We were paying cash, and he pulled our credit report first without our consent. I asked him why he was doing this because we didn't need credit, and he specifically stated multiple times it was to ensure our identity even though we provided our social security numbers, our drivers licenses, and our identification. He specifically stated after I inquired again why the need for a credit check that it was a soft pull, and that it was to ensure we weren't XXXX and that it was insurance if our cashiers check didn't cash and they could come and collect the vehicle. He pulled our reports without our consent, lied multiple times through my inquiries, and manipulated us into signing a credit consent form.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (OH)

I own a car dealership sold a car for {$5000.00} the customer could only use {$2500.00} a day so on XX/XX/XXXX they paid {$2500.00} via card and then on the XXXX another {$2500.00} via same card now a company called WEPAY  has a hold of my money and said I cant have it back, closed my account so how am I supposed to run my company with no money
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

In XXXX, I financed a vehicle, a XXXX XXXX XXXX with XXXX miles on it. My monthly payments are {$920.00}. The field I was in, was able to take care of that monthly payment. But my contract is for 66 months at $ XXXX {$970.00}. In XXXX thats when I got laid off and soon after the pandemic happened. I couldnt find work. And I fell behind on my payment. I still have the vehicle to this day. Ive tried to ask for a deferment so my account isnt in delinquent. I make {$600.00} biweekly payments. During the year of the pandemic I wasnt employed. So I became more delinquent. I would said 10 or 11 months delinquent and I still had the vehicle. Now they call me telling me I have to pay {$11000.00} to bring my vehicle current or repossession will take place. I am struggling. I lost a child during the pandemic and it wasnt easy getting out of my situation. My interest rate is about 22 % or more. I am from the XXXX XXXX
Consumer complaint received 2021-02-10
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. (CO)

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Recently, I experienced the distressing situation of misplacing my phone, which contained both my phone and card within its case, at a local park. After several days of utilizing the XXXX XXXX XXXXXXXX feature, I was relieved to retrieve my device, only to discover unauthorized transactions totaling {$470.00} had been made through XXXX XXXX to an unfamiliar recipient.In response to this alarming discovery, I promptly filed a police report and initiated a claim with Wells Fargo the following day. However, to my dismay, I received disheartening news on the XXXX. I was informed that Wells Fargo has decided to close my account within a mere 10 days and, furthermore, my claim was unjustly denied.Ive attached the police report for your reference.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (OR)

Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.
Consumer complaint received 2019-11-16
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. (CA)

I am a victim of identity-theft and have previously made reports to my local police, FTC, XXXX Experian, XXXX and XXXX on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (FL)

After repossession of my vehicle, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement, Santander then turns around and sells the debt to XXXX XXXX XXXX, a collection agency on XX/XX/XXXX. 

As you can see in the attachments, Santander just settled the case earlier this year, XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile altogether. In no way was this account to be sold to a collection agency. 

Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Received a form letter from XXXX XXXX XXXX stating I have a serious delinquency with a loan company and legal action is being prepared. Due to the dollar amount being over {$100.00}, they have noted the account as possible fraudulent activity and malicious intent to commit fraud. I have never used this loan company ; I have not worked for the employer they state as being on the application in over 10 years. There is no reference of contact to dispute the debt, other than a phone number demanding a full payment ( payable to XXXX XXXX XXXX ). Failure to make the payment could result in a summons to appear in court. 

My only recourse thus far has been to contact the loan company to verify if I have an account ; no account on file ( ACE Cash Express ).
Consumer complaint received 2020-12-08
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. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

My escrow account pays my annual home insurance fee. On my mortgage companys app my escrow information shows that my insurance payment had been dispersed to the insurance company on XX/XX/XXXX ahead of the renewal date of XX/XX/XXXX. On XX/XX/XXXX I got an email from my insurance company asking why I was leaving. I called and advised that my insurance company dispersed the check on XX/XX/XXXX for the correct amount. I tried to contact the mortgage company but there was no response. I now have no home owners insurance even though Ive paid my mortgage on time every month.
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (GA)

Equifax did not properly investigate my XXXX XXXX , XXXX . It is still shows as me having a payment and I do not have a payment. 

Equifax did not investigate my US Dept of EducationXXXX as it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. Auto Sales Inc. (FL)

I was in dyer need of a vehicle because the one I had was giving me some issues and I have a lot of medical appointments at the va and so does my wife as well. So I trade in my XXXX XXXX  and they told me that they will give me XXXX dollars, I accept and they also took from another XXXX dollars. Now, I got the vehicle and now I went to different other dealers to trade it and the value of the vehicle is XXXX dollars and my balance is XXXX dollars and I have been making payments and I dont know where my money is going. I made several calls to talk with agents and they were very rude by saying didnt you read your contract. Didnt you sign it I mean they were so rude to me. I said ok, I have always made my payments on time and I also tried to refinance with my credit union, XXXX and XXXX  XXXX XXXX and they both told me that they can not do it because the value of the vehicle is too low and I am in a big negative XXXX dollars. How can a company do that to its customers and especially us XXXX veteran. How can the law allows such a practice from a company. 
Now, this morning, this is the moment that I decided to submit a complaint and I will also ask the veterans affairs for legal help to file a law suit against this company. I woke up this morning at XXXX XXXX  to start my vehicle because my wife have a XXXX  XXXX at XXXX XXXX  at the va hospital and my vehicle will not start and I never been late except this month for only 4 days and every company gives their customers 5 days or more grace period but this company did not and killed switch my vehicle for being late for 4 days when I have so much to worry about my wife health conditions and her XXXX. I will attach her medical documents so you can see how unjust is this company, how shady they are and should not be in business.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

Experian is making it overly difficult to place a free security freeze on my credit without purchasing one of their other products. The other credit bureaus made the online process very simple. I'm mailing my information per instructions to Experian, but once the freeze is setup I'm afraid it will be overly difficult to remove when applying for credit. Hopefully I can maintain access to credit using reports from the other two bureaus only.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (NY)

LENDING CLUB CORP Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There were fraudulent claims placed on my account, with Bank Of America, for {$1500.00}, {$350.00}, {$350.00}. 
These claims were NOT done by me nor did I have access to the funds or my bank checking account. Someone was using my account and submitting fraud claims that required no information to receive the temporary claims. 

They sent temporary credits for the fraudulent claim in the amounts of [ {$1500.00} ], [ {$350.00} ], [ {$350.00} ] to the account which were immediately taken by the fraud person accessing my account. 

The fraudulent claims were reversed, in XX/XX/XXXX, which I then became a aware of the fraudulent charges, which brought my account to an outstanding balance of negative [ XXXX ] ( taking my personal [ {$1400.00} ] which was previously in my account ). 

As I am trying to have my account back to good standing and explaining these claims were fraudulent charges they will not reimburse me for their faults. I am not being treated fairly in this situation and would like to have the right as a customer to have my previous funds back and have my account in good condition.
Consumer complaint received 2020-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc. (CA)

In XXXX of 2020 I noticed a collection on my credited report from Sentry Recovery & Collections for two different amounts {$1100.00} and {$1100.00}. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.