davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act.

There are 5 accounts with the same number : XXXX
Consumer complaint received 2022-04-27
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: CORELOGIC INC (FL)

Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
Consumer complaint received 2018-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I've been trying to make my payments to AES on time and ahead of schedule, however, my payments are not being processed as I have requested. 

I've had problems with my Loan being processed as I have requested. 

Non of my Loan Payments were processed as requested in XX/XX/XXXX, until I called several times to have AES process my Loan Payments as requested. 

Now again, for the month of XX/XX/XXXX, I submitted payments for all my Loan Sequences at the same time. After calling several times, all Loan Sequences were finally paid after being not being processeed as I requested, except one. 

I requested AES apply {$140.00} Loan Payment to Loan Sequence XXXX - XX/XX/XXXX. 

But Instead AES split my {$140.00} Loan Payment among FIVE ( 5 ) Loan Sequences : Loan Sequence XXXX - XX/XX/XXXX, AES applied {$9.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$2.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$1.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$60.00} to Principle - {$21.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$44.00} to Principle - {$0.00} to Interest This is very frustrating for me. I have to call several times for AES to finally process my Loan Payments as requested. 

AES has blocked me from making online payments as of XX/XX/XXXX.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at WELLS FARGO yesterday XX/XX/26. they stated that XXXX HAS TO GIVE WELLS FARGO written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX XXXX Her and I and Wells fargo were on the phone yesterday. The funds ARE sitting at XXXX XXXX to return to Wells Fargo when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But Wells fargo will not call XXXX XXXX because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a Wells Fargo account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from Wells Fargo calls them and Wells Fargo will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TN)

comenity bank is the worst i always paid my bills. they waited back in XX/XX/2017 i paid large sums on my credit cards. and few months later they lowered my credit limit and i were in the process of buying a home. so what that did. it made my utilization go down, and too the bank that was willing to finance me. it shows now i have no open credit available. so i was turned down for my home loan. and now they are showing me delinquent. but if the truth be told i ma ahead due to large sum has already been paid. i ask them to suspend my accounts due to paying for health care cost for my son that recently had a XXXX. so i can pay a smaller amount and not be behind. thank you for your help we need to stop the credit card company from ruining good consumer that paids they bills. and when trouble strike it they shouldn't how to worry about crooks like comenity bank.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

Within the last 90 days I received an offer to get a credit card that offered discounts to all purchases at Walmart. the promo intro page had a large picture of a MasterCard, giving the impression that I would be applying for a MasterCard from Walmart. I was approved and ended up receiving in the mail a store card that can only be used at Walmart.

Being that I was mislead and thought I was getting a major credit card, MasterCard. **I 'm requesting that the Hard Inquiry be removed from all credit reporting agency that it was submitted to. Also if possible, I still would like to receive an actual MasterCard in addition to having the Hard Inquiry removed. Since I have the store card, I'll just keep that also.

Sincerely, XXXX XXXX   Customer
Consumer complaint received 2019-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

My loan began with service by Sallie Mae. Later the loan was sold to XX/XX/XXXX and again later to Navient. The loan was taken out on XX/XX/XXXX. I began paying on the loan after graduation in XX/XX/XXXX. I have been paying on the loan for eleven years and the balance seems to not be going anywhere. The main issues is that in XX/XX/XXXX, I asked Navient for a history of the declining balance. What they provided me did not show payments I had made from XX/XX/XXXX - XX/XX/XXXX as credited to the balance history. This is more then $6,000 in payments. After noticing this, I worked with my bank to obtain proof of these payments. I called Navient and told them of the issue and faxed the cancelled checks to them. Navient sent me an email response stating that since the payments that are not showing on the loan history was when the loan was serviced through XX/XX/XXXX that I would need to contact XX/XX/XXXX. I tried to find contact information fromXX/XX/XXXX. Since my loan was sold to Navient, I no longer had access to my XX/XX/XXXX account online. The website has no phone number or way to reach XX/XX/XXXX. I finally found a phone number for what I thought was XX/XX/XXXX to find it was out of service. I believe there are other payments from earlier in the loan that were not applied to the balance but my bank is unable to go that far back for records. For now, I ask for your help in moving forward with what proof I have of payments to find a resolution to this problem. Any help you can provide for me would be more than appreciated.
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, In XXXX of XXXX  I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you greatly, XXXX
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX my bank XXXX XXXX XXXX sent a payment to comenity bank for my bjs credit card. The payment was for {$4200.00}. On XX/XX/XXXX it was cashed by comenity and taken out of my checking account. On XX/XX/XXXX, I got an email from bjs showing my bjs bill was {$4500.00}! I called up comenity and they say they never received payment but it was taken out of my account! I went to my bank XXXX XXXX XXXX and got a copy of my check front and back showing it was cashed by comenity. I called again comenity and was passed around until I was told to make a dispute and send the copy of the check which I did. I call everyday and was told they will not credit my account until the dispute is resolved! They say it could take up to 60 day! Can they do this? I feel this is ILLEGAL! THEY CASHED THE CHECK. THEY GOT THEIR MONEY! Can you help me please.
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (TX)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. The credit bureaus are required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Consumer complaint received 2022-04-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2019-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

Central Porfolio called from XXXX. The representative identified himself as XXXX XXXX. The company call requesting information confirmation like date of birth and others. When deny to confirm information they indicated they already send me a letter to my address. I requested the company address and was not provided. This company has my information wrong for a possible dent in a state that I do not live at. I repeatedly ask this company representative to send the information to my email or confirm the type of debt.The company continuously denied to provide this information.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (OH)

I lost my credit card, I called the credit card company to report that I lost it and close the account few days later I noticed that was a purchase was made on this card the company send me email to sign to my account to pay my bill, I called again and I report a fraud on this account they told me they going to open investigation and will take 60 days to review and make a decision, 10 days later I received a bill for the amount plus late fees plus interest, I called them again to find out why they charge me they said the investigation was closed after 48 hours from the date that I reported the furad and I have to pay other wise evry month is going to be more late fees and interest. Please I need help
Consumer complaint received 2019-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

On XX/XX/2019 I called the mortgage company to ask what I needed to do, and what amount I needed to pay to have my PMI taken off. I was told to submit a request in writing, which I did.I then called them on XX/XX/XXXX to check on the status and was told that my question was at the PMI department. I had the money at the time to pay down the mortgage to what ever their requirement was. I was sent a letter two weeks later stating that I did not meet the loan to value requirement. No kidding, I know this. When initially had called I asked specifically what that dollar amount was. They could not tell me. In XXXX I called again to ask the same question. I was told that once I met 80 percent of the load to value the PMI would come off. It would show on my XXXX statement but not my XXXX statement that had a due date of XX/XX/XXXX. My XXXX statement still showed the PMI. The next day right around XX/XX/XXXX I receive a letter stating that while I meet the loan to value ratio I need to send them a check for XXXX dollars to have a BPO to insure that the value of my home has not gone down. I mailed them a check which cleared on XX/XX/XXXX. I called again on XX/XX/XXXX to inquire where we were at with the BPO. It had not been ordered until XX/XX/XXXX. I was then told that the matter was escalated and that someone should call me by Tuesday XX/XX/XXXX. I received an e mail stating that someone should call me in the next three business day. These dates have come and gone. I have been calling repeatedly to find out what I have to do to drop the PMI. I have been told something different every time I call even though I am supposedly speaking to a supervisor. They in turn file with the PMI department who sends me a letter two weeks after the fact thus ensuring I have to pay ANOTHER months PMI. I still have heard nothing concerning what the BPO stated and I am now at 78 percent of the loan to value. They have repeatedly stalled and not given me the information I have been asking for. I could have paid the load down the 78 percent in XXXX if I had been told that this was the best way to do it. The way i see it I am out four months worth of PMI XXXX and the XXXX that i sent for the BPO and I still have not received any information stating what exactly I need to do.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I am paying for a high end card the citi prestige card and one of the advertised benefits is the 4th night free 2x a year. You book for 4 nights and pay for 3 nights.

The issue is the prices to receive this paid for benefit with my card are incredibly high. For example, the pattern is that citi is asking me to pay super inflated prices per night to get the 4th night free. This applies for any hotel around the world. This renders the benefit useless. I am paying for a premium card, a heft XXXX a year card and not receiving the benefit. It is a scam. How can I receive the 4th night free if I have to pay 1.5x the price of what is offered on the hotel site directly or ironically with your partner XXXX? It is not a real benefit and highly deceitful. I will not provide tons and tons of examples but search for any example online on the hotel 's website and then compare to the inflated prices on citi.com This is a scam I complained on XXXX, someone called with no authority and left a message. 
Who is going to use this " benefit '' and pay more to get the fourth night " free '' instead of paying less to book direct with the hotel instead of citi.com
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (GA)

I have made attempts to contact them to notify them that this debt was being reported on my credit report and that it didnt belong to me. I have disputed it with XXXX, XXXX XXXX and XXXX and this company is reporting falsely. My confirmation number for my disputes are XXXX .I explained I may be a victim of identity theft however they are still reporting negative. I do not owe this debt and if they find me in error Id like a contract bearing my wet signature.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Purchased XXXX airline tickets from Amex travel. Partially used points and charged the rest on XXXX card. Got confirmation and points were deducted and pending charge on account showed as transaction immediately. They never purchased the tickets and came back 5 days later and stated there was an error with my XXXX code. A representative later communicated this is not accurate because the charge went through and points deducted but they were not sure why the tickets were not booked. They notified me at XXXX at night and canceled them XXXX hours later. We called at XXXX XXXX when we woke up and opened the email that there was an issue. We were told that we had to rebook and tickets were {$12000.00} more in total than what we had paid and confirmed for. After 15 hours over 8 phone sessions and getting the run around, we were notified 14 days later that they would not honor the booking and blamed our XXXX code which is a lie as the charge could not have been made as pending if it was wrong according to their own rep. I asked them to record an official complaint on three different occasions and twice more on app but am doubtful that they did as I never received any help or response. I feel that they defrauded me and have been a customer for XXXX years without as much as a late payment. Something is wrong at this company and it has changed. I believe that the price of the tickets went up substantially after I purchased them and they found a way to back out by making up a fake reason and insisting that they emailed me XXXX things when only onewas sent which we responded to promptly after getting in the middle of the night. The first XXXX were apparently sent from XXXX teams which makes me think the issue was on their end as the third was a local based team. We triple checked all spam folder and had no issue getting the one sent in the middle of the night from the XXXX based team. Please prevent this from happened to someone else. They need to be held accountable. I will be discussing with our rep in congress who is very interested in these issues and letting them know that I have logged a complaint with CFPB. Thank you.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

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
Consumer complaint received 2019-08-19
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: PENTAGON FEDERAL CREDIT UNION (NY)

PenFed used to be a great company but they have become very shady lately. I applied for the XXXX XXXX and was approved. The card advertises that it will pay for $XXXX of incidentals for domestic airline purchases. I made two purchases with XXXX  that should have qualified for this credit. The credit never posted. I called in today, XX/XX/19 and it was clear that the customer service rep was completely clueless about the benefit and that PenFed had no intention of applying this credit - seems like false advertising to me. She sent me to the rewards department who couldn't help me and tried to send me back to customer service. It is clear that this advertised benefit is not real and PenFed is deceiving customers.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 

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
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN HONDA FINANCE CORP (CA)

My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add American Honda Financial as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, XXXX blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.