davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (NJ)

I don't understand how this company continues to operate this way and get away with it. I have been unable to make my monthly payments and pay off entire balance for XXXX months. They are intentionally preventing me from making any form of payment or access my account information or online account. they keep passing me on to call centers in XXXX that are unable to understand and/or instigate and play games to prevent access to my account information. It is unbelievable, causing me unnecessarry stress that is bad for me and just unethical. 

There is no way to reach a live person, supervisor, chat, anyone by email and they even refuse to address my XXXX complaint in a timely manner, dragging it with mailed letters with no response or insight of whether they're proving my account information and way to pay off my loan before the deadline, which now will be exceeded because they are not addressing this in enough time to get this paid in my preferred form of payment. They will only allow me to pay by phone using my checking account and that is not my method of payment. 

When I search online I find hundreds to thousands of similiar complaints, and many already fighting the penalties and deferred interest they added when the person was unable to make any kind of payment, just like what I'm experiencing for the past XXXX months. I also noticed a class action lawsuit for the same tactics, how is this bank in business and getting away with doing this to consumers? They won't even give me my loan or account number, as it's not on the statements, and they changed it when Dell Financial services sold our loans to them w/o any say or permission. 

I would appreciate anything your organization can do to get a supervisor who will get my loan and account number, or get on the phone and take my credit card # so i can pay this off and close out this account. 

And hopefully, seeing the hundreds of similiar complaints, someone will hold them accountable for their unethical business practices and tactics. 

Thank you, XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (NY)

To Whom It May Concern, I recently checked my credit report XXXX  and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the Corona-Virus, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( When I found out about these 2 accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) XXXX  XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud )
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (CO)

On XXXX XXXX, 2020. I received email saying that my disputes were open and that some were updated. So basically Im back at square one again! For instance which I think is a violation of law because experian specifically responded to my complaint with the CFPB Complaint number XXXX which I have attached to this complaint that they were in process of blocking the pending disputes per identity theft report. So they blocked the XXXX XXXX  and the XXXX XXXX XXXX on XX/XX/XXXX per report number XXXX. I just dont understand. How can a problem be fixed when they are giving out misleading information to even the CFPB? This is clearly wrong! I have somewhat basically the problem with the other 2 bureaus. One telling me one thing and the other doing another. I called XXXX yesterday and they had updated my name and then tell me based on my social security number they cant find my file. Are you serious? This is a joke! I intend to sue soon. This doesnt make any sense. This is just one incident Im able to prove. But they all have employees who do this. These people needs to be reprimanded. Especially the ones in high position within these companies and then I got hung up on with XXXX special handling department. I asked for the supervisor he claimed to be one. Just tired Im not calling them anymore Im just gon na sue. To many hours put into this and spending money on credit repair and credit monitoring. What for?
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

I opened the HSBC Premier Checking account on XX/XX/2021 via the promotion link similar to this one : XXXX : XXXX XXXX XXXX  On the page, they specify that I can " Enjoy 3 % Cash Bonus, up to {$600.00}, on Qualifying Direct Deposits, up to {$100.00} per month, during the first 6 calendar months after account opening ''. 

Then I do set up my direct deposit using my salary payroll. From the terms " The 6 calendar months from account opening begins with the first full calendar month after your Premier checking account is opened. ", four full months have passed, each month there are {$5000.00} direct deposit into the checking account, but I got no bonus. 

And the customer service told me that I am not enrolled in that promotion, which sounds like a scam. I suspect this may be caused by their identity verification process after my account application is submitted. They might open my account in another way after the verification and my campaign bonus was not tracked.
Consumer complaint received 2018-06-12
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. (CA)

i was a victim of fraud and equifax does not want to remove the fraudulent accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CA)

I had a loan for a purchase with Affirm and paid the loan in full. The loan was actually for an amount much higher than the purchase amount and Affirm refused to address the error. After the loan was paid, I received notice from a debt collector attempting to collect the debt. After sending them proof of completed payment, they stopped all collection attempts, however, shortly thereafter, Affirm, without any notice to me, reported the debt to my credit report and have since not been responsive. There is no public phone number to get in touch with anyone there and attempts to contact them through email only results in a generic pre-written response. I have attempted to dispute the debt with the credit reporting bureau and they refused to remove it. I have proof of the incorrect loan amount and completed payments, yet the company and reporting agencies refuse to do anything and instead, my credit has been greatly impacted negatively by this.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/2020 I was alerted by SunTrust Bank of a suspicious charge to my credit card in the amount of {$120.00} at XXXX. I did not get gas there and it appears my card was skimmed at my local XXXX gas station in XXXX, Florida. I called the Suntrust customer service center which answered in the XXXX. I have spent 6 months on this case. My claim was denied several times until I sent an e mail to the CEO of Suntrust bank. Finally his assistant XXXX XXXX, ( XXXX ) XXXX advised me today that I will be getting a partial credit in the amount of {$89.00} but NOT the entire amount. I never charged {$35.00} at XXXX or any amount there. 
I have worked with my local SunTrust Bank with a woman named XXXX ( XXXX ) XXXX who has tried to help me with the incompetent Suntrust fraud department for 6 months. 

Suntrust credited me {$89.00} on XX/XX/2020 and then revoked that amount on XX/XX/2020 after their investigation. About 2 weeks ago I was told by XXXX XXXX ( XXXX ) XXXX that my claim was denied. It wasnt until I emailed the CEO of Suntrust Mr XXXX that I got some help Yet, they are only giving me a partial credit. They were the ones who initially advised me about the suspicious charge to me credit card. Yet they wont give me the full amount. I am a senior citizen and this has been very stressful for what should have been a simple matter. The fraud department of Suntrust has been very incompetent
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

I have raised a dispute with Experian for the late payment reported from XXXX XXXX XXXX XXXX is not correct. they are showing some federal reserve has stop payment in my checking account so the card payment was not successful. I contacted my bank XXXX and there is no stop payment. I reviewed the stop payment document federal reserve and the company name is showing XXXX instead of XXXX. this is different company name they are trying to use my checking account. NWFCU credit card is not showing any proof of the stop payment on their company name. I asked them this is different company why its not in your company name and they are not responding, for last 8 months I have very difficult time and they have reported late payment 60 days. the credit bureau I do n't know whether they have the skills to review what company shows is correct they agree on this. this is useless credit bureau and its not all favor to customer. they are supporting only company. They have obsoletely XXXX knowledge or they purposely doing fraud. i request consumefinance.org to take strong action and penalty on them
Consumer complaint received 2019-05-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GreenSky, LLC (FL)

I think it was back in XX/XX/2018 I went to a weight loss center. They said I could finance my program through Green Sky. They used this little tablet to pull everything up and only showed me bits and pieces of the loan that required my signature. Never told me the details of the loan. Ended up being a {$3000.00} line of credit but they didn't tell me that the {$3000.00} needed to be paid off in a short period of time or else there would be another {$3000.00} added to it in interest charges. Plus this company Green Sky is always tacking on some kind of fees. The Actual Lending company says it is XXXX XXXX, a Mississippi banking Corporation. Problem is I can't pay what they are asking me to pay. My XXXX yr old mother co-signed this and neither one of us realized what it was until it was too late.. Can you please help me with this? I take care of my mother ( she lives with me ) and I feel like this Weight Loss center duped me into signing something without giving all the details. It is their fault as well. Green Sky says they can't do anything to change the loan agreement and is sending me past due letters and calls. A copy of the contract is attached however when I signed this, it was on a small tablet screen and only showed where to sign not the details. That is why I feel like I was duped into this. Please help.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage. 
13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with XXXX, XXXX  and Trans Union respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) I XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

Around the date of XX/XX/2022 I applied and got approved for a Discover Cash back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused Discover to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 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 ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Consumer complaint received 2022-04-01
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. (VA)

The following account is not mine XXXX Account : XXXX The following account is not mine XXXX Account XXXX Please remove from my credit report I disputed collections and still showing on my report please assist.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (PA)

I have had repeated problems with Volkswagen processing my state registration and XXXX personal property tax payments. In the past, I have submitted a complaint to the CFPB about Volkswagen 's unfair practices with respect to collecting and remitting personal property tax payments. 

I moved to XXXX XXXX from XXXX XXXX in XXXX. I registered my leased VW in XXXX  effective XX/XX/XXXX. VW charged me around {$50.00} to process my title paperwork. They did not disclose these fees to me. They simply tacked them on to my next month 's statement. Given that they charged me to process my paperwork, they should know that my car is registered in XXXX. 

Despite the fact that my car was registered in Pennsylvania, VW paid my XXXXXXXX XXXX personal property tax through XX/XX/XXXX. This means they overpaid my property tax by over 6 months. I was charged an additional {$530.00} on my XX/XX/XXXX statement for the Property/Excise tax. Because I am registered in auto-payments, this amount ( in addition ) to my monthly payment was sucked out of my account on my normal payment date. VW should have realized based on processing my title work that my car was not garaged in XXXX or registered in XXXX from XX/XX/XXXX to XX/XX/XXXX. As a result, I was overbilled by roughly {$300.00}. 

When I contacted VW, their customer service agent confirmed that my personal property tax was paid through XX/XX/XXXX. When I told her that I no longer lived in XXXX and had not for over half the year, she told me that I had to submit a registration card to prove that I no longer lived in XXXX. It is UNFAIR and DECEPTIVE for VW to charge me me when they knew I did not live in XXXX Additionally, it 's UNFAIR that as a consumer that I need to proactively contact VW to tell them that they overbilled me. They should have contacted me and told me to submit a proof of registration if they needed one prior to processing my personal property tax payment. It 's DECEPTIVE because they do n't tell you how to recover your money after they overcharge you until contact them.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed with Equifax about getting these inquiries removed because the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX L 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX I need these removed as soon as possible. I had no problem with XXXX   removing them. Please help me. 

XXXX XXXX