davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I called for COVID relief/mortgage suspension because my husband lost his job. My XXXX payment was suspended. I further looked into COVID suspension issues and decided we can handle the payments and paid my XXXX and XXXX payments including my interest for XXXX. I have called and opened up 9 cases with Wells Fargo to correctly apply the interest payment to interest and not additional principal. They did not follow my clear instructions on the coupon remittance to apply that payment to interest. I have been calling since XX/XX/XXXX to clear the situation. They have promised me they will take care of it and to this date they have not dones so probably because the bank is getting paid for COVID cases. My loan is not a COVID case and I have paid in full every month. Wells Fargo is probably getting paid per mortgage COVID case and is classifying my account as such.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC (TX)

CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today XXXX XXXX
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MS)

On XX/XX/year>, Onemain Financial decided to process a payment of {$300.00} on my Brightway+ card that wasn't authorized nor is the account associated with my card. The payment was processed causing my bank account to go {$370.00} in the negative creating a hardship on my family that's already struggling due to unemployability. I do not have any scheduled payments nor automatic drafts set up for this account. These said actions are deemed illegal and predatory. My debit card ending in XXXX that I always made payments with was not used. I personally turn off my card until I ger ready to make bill payments or purchase something. The company decided to use my bank account without authorization taking the info from my loan account. They took my checking account info from the loan account and used it on my Brightway account, processing payments when they want and how they want without authorization. Very unethical and unprofessional. The only Onemain account that has my bank account number for automatic payment is the loan account. 

Pay the overdraft fees and remove the checking account info for this Account
Consumer complaint received 2024-04-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have an American Express XXXX XXXX with {$41.00} on it still. I am trying to use it online but it keeps declining. The card is advertised as something that can be used anywhere as long as it has enough money on it. They simply say to use it elsewhere until it works but I dont want to do that.
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

My current interest rates are 7.5 % and 8 % and my current balance is over {$50000.00}. 

I was disbursed a {$22000.00} and {$22000.00} totaling {$45000.00} in 2013. The original principal was {$47000.00}. 

The total accrued interest is {$13000.00} on one of the loans and {$11000.00} for a total of {$24000.00}. 

Yes, the interest rate is variable, but increasing the rate so much has made the payment of this loan impossible and hopeless. The company also does not give me access to the history of the interest rate changes or the rationale used to explain the necessity. Refinancing the loan is an option, but I would be forced to accept an even higher interest rate. I am making over {$100000.00} a year but still I can not afford to pay any more than the interest on this loan, and I never have any hope of making dent in it. Please help me.
Consumer complaint received 2024-05-02
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GULF COAST COLLECTION BUREAU, INC. (PA)

I have a marketplace insurance. I called my insurance and the dermatologist and both parties confirmed they accepted my insurance for a {$30.00} Co-pay. 

On XX/XX/2023 I had an appointment, paid a {$30.00} co-pay. 

In XX/XX/2023 I had a XXXX appointment. Paid a {$30.00} co-pay. 

In XXXX ( after my XXXX  appointment ), I was sent a letter saying I owed hundreds of dollars and no clear explanation. Deductible? Denial?? I moved, so I actually didn't get this letter, but I have an online record saying it was first sent XX/XX/2023. 

I would never have made a XXXX appointment with this provider had I known I'd get charged hundreds of dollars. I should've, at minimum, been informed after the first visit. I have been getting calls about these bills from Gulf Coast Collections. 

It was from XXXX XXXX in XXXX FL
Consumer complaint received 2024-05-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

Got a Visa Gift Card for {$50.00}. Went at activate it on the XXXX to activate it as per instruction on the sticker. It accepts the Card number but says the security code is wrong. The phone contact ( recording ) asks the same question and rejects it. The complaint process says contact thru phone. The Company is US Bank National Association.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found 2 late payments on the dates below : 30 days late as of XX/XX/2020 and 30 days late as of XX/XX/2020, I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. I thought my payments were on autopay.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On Monday I sent a email to the CEO of Capital One asking for a goodwill forgiveness on my auto loan for a late payments being reported to the credit bureaus since I had suffer a financial hardship for a short period. The next day I was contacted by a gentleman by the name of XXXX he was following up with my email he stated he would do everything in his power but would n't make any promises to get this taken care of. Well today i receive a call from a woman calling from a unknown number. i answered it she said she was calling from capital one doing a followup call on my request she then begins to state to me that they do n't have a goodwill program and that i basically need to deal with the late payments being on credit and continue to pay extra on my car loan every month. I just do n't understand if that was n't something they did n't do why would the first person give me false hopes?
Consumer complaint received 2023-10-08
Product: Credit 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: DISCOVER BANK (VA)

I had a Discover card in XXXX and they did nothing to help me when XXXX card got stolen. I opened the account around XXXX of XXXX. They closed my account around XXXX because there was purchases on my card I did not make and I filed a dispute. They take the dispute allow more fraud purchases to be purchased on the account then they said they found XXXX my dispute invalid and adding all the previous fraud purchases back to the account. After that they close my account charging me so much fees and everything else. I found XXXX out my account XXXX was closed when I logged into my online account one day and found out my XXXX dollar Discover card limit said I owed a balance of over XXXX dollars. They did little to nothing to help me and this is still reporting to my credit report and impacted me for the last 7 years almost. I always paid my bills on time Discover did not take this serious. I spent countless hours with every XXXX XXXX and XXXX along with Discover trying to fix this in the last almost 7 years. Discover has cost me over {$200.00} dollars in my time and over {$2600.00} more dollars in damages done by their false reporting to my credit report. This is not including the damages they have done from money lost to my business I own in XXXX XXXX XXXX XXXX as I was turned down contracts and rejected credit needed at the time to operate the business because of Discovers false reporting.
Consumer complaint received 2020-07-02
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I entered into an agreement with XXXX XXXX to consolidate debt with various creditors. An agreement with American Express was reached in XX/XX/XXXXor XX/XX/XXXX and payments are being made. AMEX has my accountlisted as closed-written off on the credit reporting agencies but still reports monthly as my payments are late. AMEX states they will continue to report late payments even though reported my account as closed and written off and agreed to a settlement which is paid monthly. AMEX stayed today, XX/XX/XXXX that thats what they do and will not cease reporting late payments. 

I respectfully request an investigation and help getting AMEX to cease reporting late payments on an account t that is closed.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capital one credit card and also a XXXX credit account and have faced some hardships recently and could not afford to pay the minimum required payment which took my account for 100 % on time payment to 95 % I want to get my payment back up as I am able to afford it dispite the hardship
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

My mortgage company incorrectly reported my account as delinquent. This has since been resolved, I contacted Lowes credit card to dispute my account closure and send a copy of the letter I received from my mortgage company indicates the error has been reported to the credit bureaus. The Lowes representative incorrectly advise me that credit limits abs approvals are set by the credit bureau. As this information is inaccurate I requested to speak to a supervisor. The supervisor confirmed as I knew the credit card company decided credit worthiness and limits. She indicated she would dispute this for me and if additional information was needed I would be contacted. Instead I got a letter indicating this was based on XXXX reporting and increase use of credit card. I recently remodeled my sons room and purchase new floors. This is separate and apart from the mortgage company error and should not be viewed and coinciding situations. 

I have had an 100 % payment on my credit cards for several years! Based on one negative marking which is an error this account was closed which I believe is unfair practices and further damages my credit rating and worthiness based on an error.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; 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 XXXX
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc. (VT)

I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX and they were no help getting it off. The debt agency was called XXXX XXXX XXXX. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since XXXX XXXX XXXX closed down permanently, they can't take off the debt from report since they no longer exist.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Credit Management has since proceeded to demand further amounts above XXXX  fees. On XX/XX/20 I had called to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

There are XXXX inquiries on my report that do not belong to me, I called one the creditors, XXXX XXXX XXXX XXXX they looked up my social, date of birth, name and said they can't see anything listed for me. I said how can that be then it's an error I asked them to remove it and they told me to call credit bureaus back. I need your help.

Next, I gave auto company authorization to run my credit and they sent it to XXXX companies that i had no knowledge of. This makes no sense and I have no other outlets. 
Also, I had fraud alert and XXXX status on my credit profile until yesterday XX/XX/year>. I am not sure how some of these creditors got through without extra verification, but i would like something done or some help. 

Thank you kindly, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have asked Experian many times THE METHOD THEY USE TO " VERIFY '' INFOMATION ON MY CREDIT REPORT IN DETAIL. Experian, you fail to address that issue whatsoever, several time. You failed to answer me within 30 days which is illegal and by law you must remove the following information. 

NOT MY DEBT REMOVE IT : XXXX XXXX .... 
XXXX XXXXXXXX XXXX... 
XXXX XXXX... 
XXXX XXXX .... 
XXXX XXXX XXXX .... 

AND DO THE FOLLOWING BELOW : I dispute your claim and I am requesting validation from your pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

- Provide a breakdown of fees including how you calculated what you claim I owe.

- Provide a copy of my signature on a contract or document that holds me responsible for his alleged debt.

-Cease any credit bureau reporting until debt had been validate by me as required under the FCRA .

- Send me proof that you are licensed to collect debt in my state. Send this information to my address listed enclosed and accept this letter send as my formal debt validation request, which I am allowed under the FDCPA.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I applied for a loan with this company on XX/XX/2020 under the promise from the Loan originator Mr. XXXX XXXX that I was going to be approved, all the items on my credit. 

I was convinced by Mr. XXXX to pay {$500.00} application fee to make it official. My loan was denied last week due to incompleteness and I turned all the documents that were requested in a timely manner. 

So far Mr. XXXX or Amerisave have not communicated to indicate where the " incompleteness '' is coming from. 
I feel that I have been scammed by this company.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIGITAL FEDERAL CREDIT UNION (RI)

I was scammed by a Loan company for XXXX on XXXXMoney was put into my account by a lender. I made purchases and used the money ... Noe the deposit was returned for non payment t. DCU wont recognize as a scam and help the situation