davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (IN)

In XXXX of XXXX I purchased XXXX XXXX on a 18 month no interest plan through Comenity Capital Bank. Through electronic transfer from my checking account to Comenity Bank I paid {$220.00} per month starting on XX/XX/XXXX and ending with a final payment of {$200.00} on XX/XX/XXXX. I received a call from Comenity in XXXX of XXXX that I had missed a payment and that I needed to send a check for {$200.00} to resolve the issue. 
I failed to notice that they continued to take {$200.00} each month for the next nine months. I don't mean this as an excuse, but I had just lost my wife of 57 years and was in the process of selling my house and just failed to catch this. When I discovered what they were doing I put a stop to it through my bank. Comenity continued sending me monthly statements adding fees and charges. 
I finally decided to get them off my back and, through one of their supervisors settled by credit card for {$280.00}. The supervisor told me the reason for all of this was I hadn't made the payments for XXXX and XXXX of XXXX. 
I did some further research and found proof that I had indeed made all of the payments and that they had unjustly charged me a total of {$2100.00} including fees and interest. 
I wrote to them on XX/XX/XXXX, of XXXX explaining this and asking them to return my money. I got a letter saying they were researching it but never got an answer to my request. I wrote again to them in XXXX of XXXX and included the cancelled checks proving that they did in fact receive the payments for XXXX and XXXX. 
They responded that to much time had elapsed and therefore they were denying my claim. 
I am Forwarding all the documentation for your inspection. 
Thank you so much. 
XXXX XXXX
Consumer complaint received 2020-10-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this
information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC (NV)

Hello, I received a debt collection notice in the mail from Recovery One. The letter claimed I bounced a check written for XXXX XXXX. Recovery One also emailed me a copy of said check. The check was for a Balance transfer line of credit from XXXX XXXX. This was not an account I had opened. Someone was using my personal information to fraudulently open lines of credit. I called XXXX XXXX and confirmed with them that this line of credit was closed and I was advised that I was a victim of identity theft. 

I advised Recovery One that I was the victim of identity theft and they have not canceled this debt.

I am requesting that Recovery One cancel this debt as it is not mine. I am the victim of identity theft.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive proof of the dispute investigation from Experian ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Summary : XX/XX/XXXX - I rented XXXX # XXXX on XXXX XXXX, FL for XXXX. I made 1st payment {$22000.00} with my Capital One Visa card. 
XX/XX/XXXX - Hurricane Ian devastated XXXX XXXX and much of SW Florida. I phoned XXXX support who advised me not to make 2nd and 3rd payments and they tried to reach owner with no luck. 
XX/XX/XXXX - I messaged the owner discussing the hurricane and asking for a refund. He never responded. 
XX/XX/XXXX - I saw the only review for this property dated XX/XX/XXXX entitled, " Unhealthy, dishonest, not as advertised, BEWARE. '' XXXX XXXX XXXX, the reviewer, did not stay there and hired a professional who proved mold infestation. She eventually received a refund based on the mold infestation report. She shared the report with me. I continued to ask XXXX for proof of mold remediation for the next 2 1/2 months. Received none. 
XX/XX/XXXX - I provided photos of the hurricane damaged property & damaged properties to left and right. Witnesses spoke to a man who had been working " for 2 months '' on the hurricane damaged property and he said hurricane water surge had entered the house. 
XX/XX/XXXX - I discovered the property had been re-listed with a new XXXX  # XXXX with the review describing mold infestation REMOVED. I notified XXXX. No response. 
In its Denial Statement, XXXX relies on two reasons for denial : 1- the rental had a " no cancellation/refund '' policy and 2- based on information provided by the owner following Hurricane Ian, the property was in good condition. 
Capital One Visa supported XXXX and discounted my proof denying a refund.
Consumer complaint received 2022-09-03
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. (FL)

I disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

I applied a Chase Sapphire Preferred credit card on XXXX XX/XX/2020 in a chase branch ( Address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ), but the banker who served me got my address wrong. She failed to make my mailing address appear in Chase 's system.And I realised it and updated my address on XX/XX/XXXX ( the reason why I realised it so late was becuase this banker failed to submit my prove of address and the duplicate of my social security card ), and they promised me that the credit card will be delivered to the update mailing address, but it was still delivered to the old address. So I have a cerdit card mailed to the wrong address after I update my address.
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last XXXX months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within XXXX days of the completion of your reinvestigation. I also read that under federal law, you have XXXX days to complete your investigation. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within XXXX days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.
Consumer complaint received 2016-02-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Carrington Mortgage overpaid our insurance company. So on XXXX XXXX, 2016, I submitted a payment for {$1400.00} plus the {$15.00} phone charge to assure the entire payment was applied to the escrow account. I was given a confirmation number and assured all the money would be applied to escrow. Today, XXXX XXXX, 2016, I received notice they applied part to my escrow and part to a mortgage payment, effectively screwing me out of {$200.00} and raising my monthly payments by {$55.00}. What a convenient way to get more interest from our loan. I have read so many complaints against them. It was not our choice to have them as a mortgage company. Principal mortgage sold our loan a little over a year ago and it has been nothing but a hassle ever since.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (SC)

I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2016-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (VA)

I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

Thank you, XXXX XXXX
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

Dear Sir/Madam : My husband and I were contacted by PennyMac Mortgage inquiring whether we wanted to re-finance our existing mortgage with them on property we own in XXXX, XXXX We declined, but agreed to apply for a mortgage on property we own in XXXX, XXXX. This property includes a newly constructed home. We began the application process with loan originator XXXX XXXX, and completed the necessary paperwork with a loan processor who requested identical income and tax information multiple times, and requested my online password in order to access my account. When I declined to provide my password and asked to speak with a supervisor, she said she would return my call. I subsequently learned that she had left PennyMac 's employ. After several more phone calls and many weeks, we received notice that we had been rejected for the loan because of inadequate income, however, the loan processor had miscalculated our income by nearly {$2000.00} per month. We requested and received a refund for the property appraisal fee of {$320.00} which we had paid to PennyMac with our application. XX/XX/XXXX, we were contacted by XXXX XXXX ' supervisor, XXXX XXXX, who reviewed our original application and assured us that the loan processor had made a mistake and we did, in fact, qualify for the new loan, which represented only 40 % of our property 's appraised value. We provided the appraisal, done only weeks earlier with our construction loan, however, we were told that PennyMac required their own appraiser and that we should restart the loan process with another {$320.00} appraisal fee. XX/XX/XXXX, we paid the fee again and re-submitted paperwork to XXXX XXXX. We were told that he would be working with the underwriting department directly and that the loan should close within 30 days. Instead, we kept getting more requests for additional financial information previously provided. 
On XX/XX/XXXX, after more stalling and no response to our emails or calls, I learned that PennyMac had, without authorization, run my credit again, resulting in a significant drop. This inquiry was NOT authorized, and in fact, I told XXXX XXXX when we spoke by phone that if it was necessary to run our credit again to resubmit the loan application, I would not be proceeding He assured both us that the credit information PennyMac received in XXXX would be sufficient After learning that my credit was damaged and the loan was still in limbo, I called XXXX XXXX asked that the loan be cancelled and all monies refunded He sent an email saying the {$320.00} would be refunded. I have yet to see it and I have followed up with emails to XXXX XXXX, XXXX XXXX, without response since XX/XX/XXXX. It appears that both may now have left PennyMac. 
Please let me know if you are able to assist
Consumer complaint received 2022-09-03
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: PCR Group (OH)

In accordance with the fair credit reporting act, XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-08-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (CA)

Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them!