davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (PA)

i sent my letter out on XX/XX/XXXX to Experian, XXXX, XXXX. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Comenity systems are still not working for consumers. I still can not log in and I still cant get through on the phones with the numbers placed on the back of the cards. 
I also asked comenity previously to not call my phone and that they may only communicate through email or mail. I received another call from them today. Of course no voicemail, I had to XXXX the phone number or it pops up as a spam number. It rang on my phone, then they hung up and didnt leave a voicemail. I am also hearing impaired and with their sites not working I can not send secured messages at this point and this does not meet any XXXX Criteria that would meet my needs. 
I was told back in XXXX that I would not be facing ANY late fees or late reporting because their systems were down. And obviously still are. If I could make the payments like they wanted I would, but how can payments be made if nothing works?! There are so many of us who are still fighting with comenity and we just get slapped in the face. 
They have reported me as late all the way back to XXXX and Im not happy. I still cant access my accounts so I cant even see if there are late fees tacked back on. My email to their specialty team that was provided by their legal team has gone ignored.

Every single one of my accounts has been reported late and its completely uncalled for when they are the issue. Any further action against me will be sent to any necessary entity until this is properly fixed. The actions taken by comenity has adversely affected my life and has halted everything. I have been negatively affected by their decisions and the fact that they have made it impossible for myself and many consumers to make payments. The XXXX  has even noted that comenity has ongoing issues. Please look further into this CFPB.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I spoke with a BOA representative regarding updating my bank account used to pay my BOA credit card payment. The representative informed me I could a ) make a payment for the current payment due, and b ) would manually setup a new payment account for future payments. I paid the outstanding amount due to keep my account current, and was informed the next payment would be deducted from the account we setup for the ongoing payments. Today, upon getting an email indicating my payment was never made, and receiving a {$29.00} late fee, I attempted to call BOA. I called numerous phone numbers with BOA and in each case, the automated response said they would not be answering calls at this time. I went to their twitter account, and there was no official update about the website, or any services being down. When trying to use the website, I can not update the payment profile for my account. 

I was given information by a representative that resulted in a {$29.00} fee, account suspended, credit hit, website doesnt work, and customer service wont answer any of the calls. 

This company is obviously not too being to fail because its dropped the ball in more way than one.

From a regular person, this bank is creating problems for regular people.
Consumer complaint received 2023-01-18
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MI)

I got my background check back on XX/XX/2023 my criminal background showed a XXXX charge that resulted in not getting a job. The charge was amended to attempt of a XXXX which is a lesser felony. With the inaccurate screen I didn't get the job where as if it were corrected I may have received employment
Consumer complaint received 2023-01-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

XXXX was sued by CFPB for not allowing modifications and for taking trial payments and not honoring or completing and responding to the borrower or successor in interest ( according to reg X and Z as amended recently in XXXX ). 
XXXX XXXX has a jugment that is NON COLLECTIBLE for many reasons the debt has been XXXX as of when it was issued with people who are not in title in XXXX. In XXXX ( see attached ) XXXX XXXX and XXXX XXXX were not in title to be able to encumber a property where they no longer have equity titltle. The title to XXXX XXXX was given in a special warranty deed to XXXX XXXX, who payed for her real estate contract for the pendency of the trial under the false pretenses that XXXX is going to do a assumption/modification of the ORIGINAL COUNTRYWIDE LOAN as per the origivnal real estate contract. Now hecomes trying to foreclose IN COURT AND COLLECT IN COURT WITHOUT A HEARING FROM A FEEBILE SENIOR XXXX YREAR OLD WOMAN ALL HER MONEY FOR 14 YEARS AND ATTEMPT TO TAKE HER HOUSE WITH LETTERS OF NOTICE OF SALE EVERY WEEK MAILINGS. You are makning us sick and I am so stressed that I had to flunnk from XXXX  schhhool and care for my mother now. She is harassed for a debt of another who made that debt with you on a second mortgage on XXXX WHAT makes you think you can foreclose a third person 's home for the debt that was made in XXXX in another person 's name and not even serve XXXX XXXX with a return of summons and a copy of teh NOTE YOU ARE REFERRING TO THAT IS A SECON LOAN. PROVE IT SEND THE NOTE TO THE PERSON YOU ARE TRYING TO COLLECT THE NOTE DO YOU THINK YOU ARE ABOVE THE LAW THE STATUTES OF NM REQUIRE THAT YOU HAVE A HEARING TO COLLECT XXXX XXXX XXXX FOR THE DEBT OF WHAT WE WERE TOLD ARE INVESTORS IN FLORIDA WHO HAVE ALREADY BOUGHT ANOTHER OTHER PROPERTY IN XXXX XXXX THE STATUTES OF NM SPELL YOU HAVE TO FORECLOSE WITH A HEARING ESPECIALLY WHEN THERE IS A DEED. YOU CAN NOT GO OVER STATUTE
Consumer complaint received 2023-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-03-06
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is SPS Inc.. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked SPS for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the first and second add a late fee each month. The value of my single family home is {$370000.00} and I have a XXXX balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for the City of XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. SPS has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

This is probably the worst experience Ive ever had with a banking institution, and I highly highly recommend that people do not open a credit card with XXXX XXXX bank . On XX/XX/XXXX I made a payment to that card and several hours later saw that it appeared that that money was taken off my account, but I wanted to make sure. So I called synchrony banking services, and the representative confirmed that they received the payment, and the money was taken off my card, and not to worry about it then Sunday or Monday I got an email from my primary banking institution, letting me know that my account was overdrafted. When I looked into this more I noticed that the overdrafted charge was from XXXX  XXXX rightly so I was extremely upset and I contacted them they were very unhelpful, and they did say that the person I spoke to would be reprimanded and spoken to about this situation. I then called back today to confirm this information and to get additional so that I understood. And todays experience is easily the worst Ive ever had. The lady said that there was no way XXXX of them could look up when I made that XXXX who I spoke with, and that when I open the car, there was a disclosure about the payment process, and when I spoke to the original person, they also made a disclaimer. When I asked them to verify that this person didnt make that describe her to me they said they were unable to. When I mentioned that the person before, so they would be able to eat. She said that is not true we are unable to. And I said the time of the payment I did have enough money, and the women said well thats not our fault, you should manage your money, better
Consumer complaint received 2023-01-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emergent Business Group, Inc. (IA)

I have been working with XXXX XXXX XXXX on different loans since XXXX and have been making payments to them for help repaying my payday loan at a lower cost. A Cease and Desist letter was sent to XXXX on my behalf, and a payment agreement was reached between XXXX XXXX XXXX and XXXX Payments were completed, and my debt was paid off by XXXX XXXX Around XXXX of XXXX, I started receiving nonstop calls from I have been receiving non stop phone calls from Emergent Services which claims they have purchased this debt. Ive had to turn my phone to silent so as to not disrupt my work day. 

Below is the number they have left voicemails from to call XXXX. 

Numbers also include XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and emails from XXXX. 

They have also contacted my workplace, along with friends and family, repeatedly. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. I have worked with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Having recently changed my name legally I requested Chase Bank change my name in their system to reflect this. This company demanded I provide more personal information than any institution I have gone through this process with, demanded I provide it again after I provided it by both mail and over the internet, and has sent me letters threatening of fines by the IRS if I do not comply. As I have complied with their ridiculous demands multiple times I see no other option than to file a complaint for these business practices. 
They have demanded and been provided with copies of my new social security card, my court order, my updated government ID, and my signature while every other financial institution only needed to be provided with my court order.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

This card wasnt mine I didnt open any XXXX  XXXX with this amount and I see they report me on XXXX XXXX XXXX collector LVNV FUNDING LLC Reported XXXX XX/XX/year> And I try to dispute more than 10 times they not responding right back
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

I paid off my balance on my XXXX XXXX credit card in XXXX. Then closed the account. XXXX months later ( XXXX ) i am still getting charges. I called them and they said they would fix it andi wouldnt get any more charges. Another 3 months ( currently XXXX ) and i am still getting charges and they are messing up my credit. They will not fix their mess up. I have called XXXX times in the past week. I have spoke with the rep, their supervisor and the supervisors supervisor and no one can fix the problem.
Consumer complaint received 2020-11-14
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: EQUIFAX, INC. (NY)

On XX/XX/2020 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 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-06-13
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I submitted an online money transfer via moneygram.com due to them advertising XXXX minute transfers using debit/credit cards. I submitted the transfer at XXXX eastern time; however I didnt receive a confirmation/reference number via email as they stated so i waited a while in case it would take a little longer. At XXXX I called the customer service number to check the status of my transfer because their ad states up to an hour. when i spoke to a rep at XXXX I was told it will take another hour and XXXX minutes to complete my transaction; I then pleaded and asked could they process it quicker and honor the their promise of 10 minute transfers, because my husband was out of state and needing the money. I was told they were experiencing high call volumes/transactions and he couldnt do anything about the wait time and it would take XXXX as he stated. It is actively now XXXX eastern time and the money is still not available. It is exactly XXXX minutes since I called to follow up. Moneygram should not be allowed to market a XXXX minute electronic transfer if they are not going to honor it. In this day of technology there is absolutely no reason why it should take more than two hours and counting for something promised at XXXX minutes. This is affecting the livelihood of consumers who use this service. The purpose of utilizing a XXXX minute transfer is because we have an expectancy of fast delivery (XXXX minutes). Today is Saturday XX/XX/2015 at XXXX which means we now have no access to banks and bank transfers as an alternative so we solely depended on this Moneygram transfer as a resolve. At XXXX most moneygram locations/agents will be closed. This means that my receiver will not be able to access the immediate/emergent needed funds until tomorrow.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

My name is XXXX XXXX. My credit report states I have a charge of {$420.00} from Commonwealth Financial system. ( CFSI Acct # : XXXX ). On XXXX/XXXX/2015 I contacted them. I called XXXX XXXX XXXX ext XXXX. They could n't figure out where this charge came from. They said to contact XXXX XXXX XXXX at XXXX. They could n't figure out where the charge came either. They even searched my social security. They asked me to try Integrity at XXXX to see if they can help. 
Nobody can find it. Can you help me figure out how to get this removed from my credit report. Thank you for taking the time to help me figure this out.
Consumer complaint received 2023-01-18
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. (NY)

I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with XXXX or Experian to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. Thank you
Consumer complaint received 2023-01-18
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I have been working with the HAF program of Michigan ( MIHAF ) and am conditionally approved for assistance. The condition is that I coordinate the handling of the additional reinstatement balance of my loan that is beyond what the MIHAF program provides. 

I have applied for a loan modification with my provider ( Specialized Loan Servicing - Loan # XXXX ) but they are refusing to provide a modification option. Additionally, I was informed SLS would not consider the assistance from the MIHAF program in their loan modification review and based the calculation on the full reinstatement balance instead of the reinstatement balance less the MIHAF assistance.

SLS informed me that they received information from MIHAF on XX/XX/23 stating that MIHAF does not provide funds for loan modification assistance and would only provide funds for reinstatement assistance specifically. As a result, SLS is telling me that I must pay the remaining reinstatement balance in full, or that my only other options are to sell the property or deal with foreclosure. 

I spoke with my contact at MIHAF today and they assured me MIHAF does provide funds towards loan modifications.

It seems to me that SLS is unwilling to facilitate the MIHAF assistance, loan modification, and reinstatement due to the fact that the interest rate on my mortgage is below the current market rate.
Consumer complaint received 2023-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (CA)

I recently filed a dispute against Santander Consumer USA due to my repossession still being on my credit report. They instead closed the account when it should have been removed and when I called XXXX and asked if it were still closed they told me no. They were recently involved in a class action lawsuit due to them being in violation of the XXXX Code which my account was involved in and there was a judgement passed that if there is any derogatory information including late payments and repossessions must be removed from my credit report. So I would like for this account to be removed from my credit report effective immediately.