davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
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: Bread Financial Holdings, Inc. (FL)

I went into a financial hardship with Comenity Bank/XXXX in XXXX of XXXX that placed a late payment of 30 days, 60 days, starting in XXXX  30  days, XXXX 60 days, XXXX  60 days. XXXX  60 days, XXXX  30 days, then XXXX  30 days. I called this company and explained my situation that I was unable to pay my payment due to a financial hardship and they placed me in a hardship program paying {$40.00} per month without interest for a year. I have done that and also completed the hardship program and was placed back into payment status paying on time payments every month afterwards. In XXXX of XXXX I began to start regular payments. I began to seek Goodwill Adjustments to the late payments that was placed on my account with constant refusal to look into reasons. When I came off the Hardship program I was transferred to another financial company called XXXX XXXX  who is handling all payments at this time with continued on time payments with this company. I sent them a Good Will letter thinking that I can get an adjustment and they stated that if they did not place the late payments they would not be removed, I would have talk with Comenity Bank. So, I sent them another Goodwill letter about the late payments and how my paying this bill has been exceptionally good with no late payments just trying to pay this bill down. I received a letter from them stating they are unable to make any adjustments to my account. All I'm wanting is a chance to have a fresh start at making improvements on my credit so that I may be able to purchase a home in the upcoming year, and to show them that I can be financial dependable in my finances along with a chance to fix my credit ratings. Comenity Bank shows no consideration to their current or pass customers as to forgiveness for hardships and considering the blemishes these late payments has caused even after the consumer go an extra mile in satisfying a road to Goodwill.
Consumer complaint received 2019-05-22
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. (FL)

There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my Experian, XXXX, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my Experian, XXXX, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have requested on at least three different occasions for Santander Consumer USA to send me paperwork to validate the debt they claim that I owe on my XXXX  XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any  paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in Santander Consumer USA has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.
Consumer complaint received 2019-07-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I sent in a Dispute letter to all XXXX credit bureaus ( XXXX, Equifax, and XXXX ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

XXXX  ( XXXX XXXX Bank, XXXX XXXX Bank ) Equifax ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Bank XXXX ) Experian ( XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX, ) I received a response stating that the accounts were verified again with no proof!! I demand that these accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over XXXX  days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.
Consumer complaint received 2020-04-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have multiple times submitted the following information of my income. They have repeatedly rejected my loan modification because they are not including all of my income in their calculation. 

I am appealing the denial of my loan modification I am XXXX XXXX property XXXX XXXX XXXX XXXX XXXX, Texas loan number XXXX Im appealing the denial of the standard modification for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the Forbearance Plan for reason of Due to  excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the HAMP Tier I for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

The reason for my appeal is that Mr. Cooper has miscalculated my income and reported the wrong income United State Department of Agriculture. 

The representative for the loan modification department is showing my income at {$2700.00}. 

My net monthly income : Income # 1 XXXX XXXX {$1500.00} net bi-monthly= {$3000.00} ( evidence included below ) Income # 2 XXXX  XXXX XXXX net {$220.00} each week= {$890.00} ( evidence included below ) Tenant= {$750.00} ( evidence included below ) My total net+ income is {$4600.00}. My total gross in {$5900.00} Obligations including my mortgage is {$3100.00} My obligations : Below is evidence of my current income and a copy of my application. 




XXXX XXXX  XXXX  Tenant : {$750.00} Lease also included Doctors Notes : Due to have symptoms of XXXX I was sick and self monitoring and unable to mail a response until now. However, this should still reach you with in the 30 calendar days if not Im asking for a medical exception. Also, my town is currently under Shelter In Place.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I am writing about Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX XXXX www.sls.net ). Unfortunately, my mortgage was sold to them from XXXX XXXX. They are very difficult to work with, they commit acts of fraud, and they do not answer their phones. 

I changed my automatic payment to a new bank toward teh end of XXXX. The website said it would be effective one month later or XX/XX/XXXX. Since the auto payment would not draw process for a month, to ensure I was not in default I made a one time payment. They then auto-drafted a payment for XX/XX/XXXX which was told by their website would not happen for another month later. I now paid my mortgage payment twice in a month causing me extreme financial hardship. I contacted them and actually got a representative. They said they would put through a credit. I never got a credit on my checking account but now they show a credit on my mortgage balance. They have stolen {$1300.00} from me. I tried to contact them and I continually get through the several minutes of " account authentication '' to be disconnected. This mortgage servicing company MUST be investigated for fraud.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (IL)

Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was Comenity Bank.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i  alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Riverwalk Financial Corporation (MS)

I have tried to resolve this matter with the creditor but have reach no resolve or even a suitable arrangement. This being on my credit has hindered me from moving forward with my life and has caused major hardship with acquiring employment, finding housing, and re-establishing my credit.
Consumer complaint received 2020-02-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bullet Recovery, LLC. (KS)

To whom it may concern. I have been trying to contact a collection agency by the named of Bullet Recovery to work out an affordable payment plan because theyve been taking large amounts from my paycheck since XX/XX/XXXX. Every two weeks they take approximately XXXX or XXXX a month. I cant afford this and Ive tried to contact them by leaving messages but no one will call me back. I went to a garnishment hearing and the judge told me to dispute this matter with them directly. In XXXX I went into the office and spoke with a worker whom I showed all the bills Ive occurred since the garnishment that I cant pay down because of this. She told me they would call me back but never did. Ive left messages including my number and they will not respond. I informed this company that I have children that need to eat and I can barely provide food. My rent is XXXX dollars so after the garnishment Im barely left with anything and have to decide if I can buy food with the remaining money or pay on a utility bill. The garnishment happened prior to XXXX and I was unable to get my kids gifts or make a XXXX dinner. Im behind on all by bills due to an extra XXXX being taken away every month. That amount is too high and close to my rent. Its like Im paying for another home. Ive told this company Im willing to make affordable monthly payments but I can not afford what they are taking. In XXXX, I was no longer working for the company Im employed at and the garnishment was to be released but they did not release it. When I started back work they were to resend the debit information and send new forms notifying me of a potential garnishment but they did not and went right into garnishing me. This is illegal and unfair business practices. Especially seeing Ive called to work out another arrangement. Most agency will work with you to resolve a debit if its creating a hardship. Im unsure why no one will call me back and the office is blatantly ignoring me when I truly cant afford this.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, surgeries and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

CFPB & Citi, I'm writing to request my security deposit back from my CitiBank Secured Card account. 

I've disputed this account several times, due to someone stealing my wallet and using my card to do fraudulent charges on the account and Citi siding with the merchant and not me ( consumer ). 

I've attached the statement in question, and the purchases that I did not make at all regardless of what 'XXXX  ' says.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

XX/XX/XXXX contacted mortgage to pay 3 months mortgage payments of XXXX. Shellpoint said they will take payment out on XX/XX/XXXX. Payment never came out. Called mortgage company who said they had a problem getting payment onXX/XX/XXXX. On XX/XX/XXXX i sent payment via certified check. After talking with my advisor they told me that is all I had to pay and they would then take rest of payments owed plus cost and put it in a 6 month period. On XX/XX/XXXX I called to inquire about the repayment and was then told that the money sent was being returned because it was not enough and was being returned. Trying to find out exactly what I need to pay, which he never told me, I was told to send one month of paychecks and to visit there website for additional help. When I went to website I was having technical difficulties so.i sent them an email on XX/XX/XXXX. I still have not received a response. I also left a message for my my main advisor on the same day. I still have not received a response from either. I called on the XX/XX/XXXXand was now told I have to pay XXXX after I am hopefully approved for the repayment plan and shouldn't have sent anything until I was approved. I am wondering why I wasn't told this back in XX/XX/XXXX when I was first trying to correct this situation. 

Now it has been 3 days and once again I still have not heard anything on what my Payment should be. And since the Payment seems to go up XXXX dollars every week and I expecting them to tell me I owe the XXXX before I hear from them. 

I feel as if Shelllpoint mortgage company is trying to sabotage me and not trying to help me. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have spent a total of an hour and a half trying to close my account over the last two weeks and every single time there's an issue. What's supposed to be an easy task that should only take 5 minutes turns into a 12 to 22 minute fiasco. This time after 21 minutes of being transferred and being put on hold, they hung up on me. Only Capital One ... They keep telling me the system is reading that my account can't be closed due to open disputes, yet there are no open disputes! They're all closed!! And I have the letters to prove it ...
Consumer complaint received 2020-04-02
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. (NV)

Transunion illegally reinserted a deleted item on my credit report account XXXX XXXX XXXX does not belong to me, I am a victim of id thief and Transnion has been made aware Also there is a new account that just popped up from XXXX XXXX  that I never opened
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

I called citi bank because there was a lot of bank fees making my account overdraft by XXXX I explained to the representative that I had been affected by covid and if there was someone I can speak to about being able to remove these charges the person that I was transferred to as I was explaining myself Stating my situation said to me NO YOU DONT WHEN I SAID I UNDERSTAND THAT when I asked to speak to his manager because he was basically saying I was lying he said theres no manager for you to speak to I said can I please have your name I dont like the way you are speaking to me He said no and hung up on me
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

On XX/XX/XXXX received letter from collection agency, MRS BPO LLC, that I owed an overdue debt of {$780.00} to a company called XXXX XXXX. I attempted to call MRS BPO LLC at XXXX but disconnected the call as they wanted my social security number. I mailed them letter disputing the validity of this debt on XX/XX/XXXX. Their letter stated that I had 30 days to respond to this letter to dispute validity of debt. I called this number again on XX/XX/XXXX and left information but was not able to speak with anyone. I called XXXX XXXX on XX/XX/XXXX to dispute this debt. I have never used XXXX XXXX. They did verify that the address on the account with them was not my address. They took my information and said a representative from their company would call me back. XXXX XXXX called me on XX/XX/XXXX and I was told to file a police report and a report at FTC.gov. Once I did this to send this information to their XXXX XXXX  at XXXX. I filed police report on XX/XX/XXXX. On XX/XX/XXXX received a degradatory against my credit filed by MRS BPO LLC.
Consumer complaint received 2021-01-01
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.