davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (NY)

I have a credit card with XXXX for over a decade. I am a customer in good standing. I pay all my bills on time. In XX/XX/XXXX, I purchased a sweater using my XXXX card. 
I got my bill at a time I was extremely ill with a serious XXXX on my XXXX and awaiting doctor 's appointment. I had not been able to leave my apartment other than to buy for for over 2 weeks in XX/XX/XXXX to XX/XX/XXXX due to horrible weather. I can not risk getting XXXX or XXXX. I live alone. I had taken the bill out to pay some time around XX/XX/XXXX. I forgot to put it in the mail box. I found it in my briefcase 4 days later. I immediately called XXXX. They said not to worry that I am a good paying customer. I asked them not to impose a late fee. They said they would not do so. I just got my bill and there is a whopping {$27.00} late fee imposed by them. This is outrageous. They also claim that I owe {$93.00} and a minimum payment of {$32.00}, when I paid for their {$62.00} sweater in full. 
I am positive I had way less than 25 days from date I got their bill till due date. Please help me with this situation. I spent over 15 minutes on the phone with their customer service person, then told the person I had to leave for doctor 's appointment. I was unable to call back due to the fact that I work XXXX hours a week.
Consumer complaint received 2024-08-09
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Shermeta Law Group, PLLC (MI)

On XX/XX/XXXX I received 2 requests and writs for garnishment of income tax credits from Shermeta, Adams, & Von Allmen, P.C. for XXXX XXXX credit card accounts that had been charged off. I was never served a summons before this action. Ever since the judgment was filed I have had any and all Michigan State tax credits taken by Third Party Withholding Unit in the Michigan Department of Treasury. I started receiving offers to pay this debt off after the judgement, in XX/XX/XXXX, from XXXX XXXX XXXX , XXXX. Shermeta, Adams, and Von Allmen sold my debt to another collection agency. I continued to receive tax refund garnishments and found out the garnishments are still on file with the court and still active. How is it possible to owe the same debt to two different agencies? In XX/XX/XXXX I received a request for income information from the Michigan Department of Treasury. On the form were the plaintiffs who filed garnishments on behalf of XXXX XXXX. Listed are XXXX XXXX and XXXX XXXX XXXX, both for the same debt. They seized the refund of {$170.00}. I contacted the offices of Shermeta, Adams and Von Allmen in XX/XX/XXXX to make an arrangement to stop the garnishments and find out why two different collections agencies were trying to recover the same debts. The customer service agent I spoke with, XXXX, was not friendly nor was he willing to help me. I told him I wanted to resolve my debt and he told me unless I had cash to pay in full there was nothing he could do and that the garnishments will continue until the debt is paid. I contacted the XXXX Judicial Court regarding this as well and there is nothing they can do without the collection agency filing motions to close the cases, or for me to file a motion to quit. I 've been attempting to resolve these issues with no movement from this law office. Selling my debt to another recovery group while continuing to receive garnishments from my state tax refunds should not be legally allowed and I can not find any information in the state laws to support their doing so. I Thank you for your time and help in this matter.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (NV)

Moved to XXXX due to not being able to find a XXXX job in XXXX as a XXXX in XX/XX/2015, income became much lower, wells fargo has not helped with lowering my payments. I am struggling to pay for my private loans as well as my federal loans and I feel it is unfair that I went to XXXX school and now suffering and working 50-60 hours a week to pay my monthly loans. The lowest they have gone is $ XXXX/ month but increased my interest with out taking into account my monthly rent, car payment, and federal loans. I feel like wells fargo is not working fairly with me to help me or advocate for me.
Consumer complaint received 2017-03-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason
Consumer complaint received 2017-03-18
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (WV)

According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( XXXX ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, XX/XX/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that I was authorized to at least two payments, while preparing to close on refinance application. During this process their had been numerous setback/delays, with no explanation. Due to FREEDOM Mortgage 's unwillingness to process refinance application in timely manner, having been given the run around, having been deceived on several occasions and Title company continuous delays in approving subordination, I had been forced to enroll into the repayment plan for six months. I was in compliance with they terms and conditions. I even sent documents to support authorization to miss mortgage payments. Instead of FREEDOM Mortgage admitting that they may have been wrong and proceed to reassess the situation has proceeded to report negative comments on credit report which has resulted in a dramatic decrease in score.
Consumer complaint received 2017-03-18
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

Western Union XXXX My WU # XXXX - XXXX : Gentlemen : I, this night, have tried to transmit funds to a friend out of the country. 

Transaction Code XXXX. 

After entering my credit card data and you drafted my account for {$140.00}, I received notification that you, for some unknown reason, have rejected my attempt. 

I have sent funds via WU on line several times within the past year without any problems. Now you tell me that I do not comply with your company policy. 

Before you respond, please be aware that my identity was stolen by another person with the same name who alleged he was me. If you check Facebook for XXXX, you will see three pics. The younger one is also an imposter that has an address in XXXX, Tx. 

I am the older one with the clean shaven face. 

The third one with the goatee is a scammer being hunted by the Kansas policy and the FBI. I know for a fact that he has scammed a lady in Kansas of {$250000.00}. 

I have been in touch with the police and with the lady and have been cleared of any participation. 

My correct address is XXXX. ; in XXXX, TX XXXX. And my phone number is XXXX. 

I do n't send month regularly overseas, but now with your denial of service, I am concerned and want to know what information you have that has made you cease doing business with me. 

If necessary, I can provide you with my valid TX DL to prove my identity. 

I am a XXXX Veteran of the XXXX, am XXXX years old, and I am sure you would not want this to be broadcast over the internet or TV airways as to your singling out someone like me to XXXX, of the XXXX American Vets, or XXXX regarding your treatment of me, without any consultation. 

Furthermore, I am distressed that you accepted my credit card payment, denied my transaction, and then l am told that I will have to wait 5 to 10 business days before the funds are returned to my credit card bank. THIS IS TOTALLY UNACCEPTABLE. In light of today 's computer technologies, you accepted payment right away, are holding the funds, and thusly, I have incurred charges on my bill. 

I trust you will do the right thing and amend this existing situation right away. 

Furthermore, I feel that I have been unjustly treated with your actions and failure to assist in correcting this. Consequently, I am notifying the Texas Department of Banking, as well as your Consumer Financial Protection Bureau Sincerely, XXXX CC : Texas Department of Banking CC : Consumer Financial Protection Bureau
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to request the reopening of my complaint against XXXX ( Account Number XXXX ). I disagree with the account listed which still appears to be on my credit report. I would like this item to be reinvestigated immediately. The inaccuracies are highly injurious to my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D.

I have not received any information or documentation confirming that the following required steps were taken during the repossession process. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

I did not receive any communication notifying me of the impending repossession of my vehicle. 

There was no notification stating that my vehicle had been repossessed, where it was being held, or the outstanding amount owed.

Post-Auction Notice I have not been informed of the auction results, including : - The sale proceeds and how they were applied. 
- The existence of any deficiency balance. 
- The application of sale proceeds towards the debt. 
- Compliance with relevant laws and regulations. 

I request that the CFPB reinvestigate whether these letters were sent and if all the necessary information, including date and time stamps, was provided to me as required by law. If these steps were not followed or if the required information was not provided, I respectfully request the removal of any related entries from my credit report. Please send me a updated copy of my credit report after your reinvestigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WESTERN UNION COMPANY, THE (CA)

I was part of a XXXX.settlement : Consent Order AP File No. XXXX ( See attachment ) On XXXX XXXX I called and spoke to a service person at the XXXX number listed on the letter because the email address listed was not working. I was told that I will be receiving a check in the amount of {$490.00} and I I have not received the check. I called today to check the s status and was told that I need to place the status request using the email : XXXXXXXXXXXX. I did that and I received a response stating the email is no longer being monitored and I need to call the number XXXX. 
So I called again and this time I was told I need to contact the CFPB because XXXX does n't have check status info. I called your agency and was told I need to get the info from XXXX. I want to file a complaint and have you research this matter on my behalf because I believe there is fraudulent activity taking place since I have no check and I ca n't get any info from them. Please look into this and respond back to me ASAP with an update. 
Thank you.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is reporting I have a bankruptcy in Ohio, which I do not have. I initially was going to file a joint bankruptcy with my husband, but after consultation with my attorney, I withdrew my name from that bankruptcy. I have submitted documentation from the Law firm handling my husbands bankruptcy stating that I am not a part of his bankruptcy. This is causing me significant financial harm and personal grief. The law say 's, " Upon a bankruptcy, the creditor may look to the other spouse for payment, unless the bankruptcy case is under Chapter XXXX. If the debt is a consumer debt to be paid 100 % through the Chapter XXXX plan, the co-debtor is protected by the co-debtor stay in XXXX. '' Document attached.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

been a victim of identity theft 4 times and want to monitor my credit report ca n't monitor my credit report with Equifax. there is an error or problem on my credit report they ca n't fix it some technical issue they said they wo n't be able to monitor my credit report and they wo n't fix it. they have had numerous technical tickets sent up. but not able to fix. so anyone can get into my Equifax credit report. how many other people will they deny
Consumer complaint received 2017-03-18
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I own my home free and clear. Pretender lender loan servicer " Ocwen Loan Servicing '' using its cozy relationship with XXXX and XXXX, using fraudulent trustee sales that was taking place in just days as a weapon to coerce me into signing a increased none negotiable fraudulent {$750000.00} loan modification settlement in order to save my home from being auctioned off by crooked shady Ocwen 's buddy XXXX in just days. Then Ocwen and its crooked lawyer " XXXX XXXX '' would not allow me the right to have a congressional hearing before congress to tell my story about all the years of being under severe stress by these companies servicing 's abuses which has caused me serious health troubles, serious harm. Now, after Ocwen, XXXX and XXXX all threatened with fraudulent trustee sales, Ocwen is now using pretender lender loan servicer impounds account as another weapon, forcing my private homeowners insurance into the pretender servicers phony impound account. I paid my private homeowners insurance policy in full because I own my home free and clear. I received a refund from my homeowners insurance company. Pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX, all have committed fraud against me. I have evidence of Ocwen putting years of forced placed insurance policies on the pretender lender loan servicers account when I had my own private homeowner insurance policy at all times. Do n't worry Ocwen litigation crooked lawyers puppet XXXX will tell everyone 2=2=5 the sky is green grass is blue.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.
Consumer complaint received 2016-04-21
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (NY)

My Dad got a reverse mortgage with XXXX XX/XX/XXXX. About a year or so later, XXXX went out of business and now XXXX XXXX XXXX was in charge and hired Reverse Mortgage Solutions as the servicer. My dad passed XX/XX/XXXX. I thought I would be able to purchase the home within a year due to a business deal I was involved with with my cousin but he fell ill and the project went on hold indefinitely. Then the company I worked for went out of business. XX/XX/XXXX received notice that the company foreclosed saying I defaulted by not appearing in court to answer. I was never served a summons to my knowledge and they have lied about how and who was served and have never been forced to prove service in a traverse hearing which I requested of the Supreme court. They never offered the house to me or my siblings at XXXX % of value, but instead after only 2 years since the inception of the reverse mortgage, were asking back over triple what they paid my dad, adding their own legal and other fees to the total. I filed a bankruptcy to stay the sale. Due to errors in filing pro-se, the bankruptcy was dismissed. During that time XXXX XXXX XXXX went out of business. I heard nothing on the case for 6 months, then I get a letter from Reverse Mortgages Solutions ( RMS ) the servicer, staying they are auctioning my house on XXXX XXXX, XXXX. I filed a Chapt XXXX bankruptcy with a lawyer who failed to get the stay which is nonsense since the stay is automatic. They auctioned it and bought it themselves. To summarize, they have attempted to evict me 3 times. Once I delayed it by fling a pro-se order to show cause but the judge did not even address that I was not properly served and my accusation that chain of title has been broken. They keep getting a free pass, no traverse hearing, no burden of proof of title. I believe fraud has taken place.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I contacted each credit company individually and they all admitted to reporting inaccurate information, and per my consumer rights any information that is being reported inaccurately must be removed. I am now requesting that they remove the following accounts due to inaccuracies being reported, and knowing reported by the credit bureaus. The credit reporting agencies are not designed to violate my rights as an indiviual and they are currently in violation of several consumer protection laws. I have tried to have conversations with them about this however they are not in business for the consumer whos report they are furnishing they however are only in the business of credit reporting to make a dollar, and their inability and unwillingness to correct the issues and inaccuracies on my file is going to end up with attorneys being contacts. The following accounts must be removed for inaccuracies on my file. 


in accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct XXXX XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX DEPT OF ED/XXXX  acct # XXXX.. These accounts have violated my rights 15 USC 1681 section 602 A. states i have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (GA)

Contract agreement was for {$180.00} per month for 45 months, however, Rise Credit began taking an unauthorized amount of {$360.00} per month. Upon contacting the company regarding this matter I was informed these details were not mentioned on the initial contract pages. I feel that I am a victim of predatorial lending practices. I want this company investigated and exposed for their fraudulent an unfair lending practices. I am a XXXX veteran and can not afford this type of ripoff.