davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

During the application process, the store employee let me know about the 0 % APR on all purchases, or the 10 % back in rewards options associated with the  Comenity Bank/  XXXX   XXXX  Credit Card. I thought those were great options and proceeded with the application. Once she ran my credit, she then gave me the disclosures ( after the application was taken ). Upon reading the disclosures I learned the APR was 27.49 % and the 0 % for 12 months had a minimum purchase amount of {$750.00}. I called Comenity Bank at  XXXX  and discussed this issue with  one o f their employees - she said there was nothing they could do about the inquiry and I would have to dispute the inquiry with the credit bureaus. I declined the credit card, due to the misinformation about the APR. I wanted the inquiry removed because if I had not received correct APR information prior to application, and there was no reasonable way I could avoid the financial harm I would incur with a 27.49 % APR.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$3500.00} XXXX XXXX  Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Loan # XXXX XXXX CA XXXX We started this short sale on XXXX - see attached Task List and XXXX Messages. 

The negotiator assigned to the file is XXXX XXXX. She has repeatedly rejected tasks, has not initiated tasks to be completed, can not read proof of funds, repeatedly asks for the same doucments over and over again, and WILL NOT RESPOND TO US. 
She wont take calls. 
She wont answer our questions via XXXX. 
She repeatedly asks for the same documents over and over again. 
She has not once done a complete review of the documents we have submitted. One day she accepts what we send and the next day she rejects it. 
Her manager wont call back. 
Her manager wont respond in XXXX. 
No one at this company seems to know what 's going on. 

The negotiator is so utterly incompetent that she did n't bother to send the offer task to us until XXXX -- - THREE WEEKS AFTER WE STARTED THE FILE IN XXXX. 

On page XXXX of the attached XXXX Messages ( XXXX XXXX ) XXXX asked for the XXXX form. On page XXXX - XXXX XXXX - the SAME DAY, I uploaded it to equator and sent her a message. -- -- -- -ONE WEEK LATER SHE ASKED FOR THE SAME DOCUMENT AGAIN!! 

Then on XXXX XXXX she asked for the XXXX document AGAIN!! 

And now she is threatening to cancel the file on XXXX, claiming that 'WE ' are not returning the documents she needs??
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

Im contacting you based on a letter I received from  Convergent for a  bill they claimed I owed to  XXXX   XXXX . I spoke with Convergent after receiving their first letter. They told me I owed {$60.00} for an early disconnection fee and {$18.00} for the cost of shipping the equipment back. I gave Convergent my debit card and told them I would pay {$60.00} for the early termination fee as I did close my account with  XXXX   XXXX  early but I dont agree with the return shipping charges. Simply put if  XXXX   XXXX  wanted me to pay the shipping cost of returning equipment why would they send me a box that had shipping prepaid? When I opened my account with  XXXX  I also dont remember agreeing to this as well. I explained this to Convergent when I paid the early termination fee so I dont understand why they would send me a letter stating their investigation process will not begin until I provide more information. I dont understand why I have to prove I owe this! Doesnt Convergent need to prove I owe this debt if I believe it to be invalid? I do n't understand why my conversation over the phone was not sufficient to dispute the debt.     Thank you for your help in this matter,
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I keep getting phone calls from  XXXX   XXXX   XXXX   XXXX . They claim that they are attempting to collect a payment for my pay-pal account. I have told them that I do not have, nor have I ever had, a pay-pal account. I have asked them to send me written copies of anything related to this account. They refuse to do anything unless I provide them with my social security number, which I will not do.
Consumer complaint received 2017-05-02
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. (MN)

I already filed a very specific complaint. Experian did nothing.     They sent a proforma reply proving they did not even read the complaint. I have a VERY specific complaint. They said they had no specifics. Here are the specifics, again.     Their  credit score  for me shows : " Open real estate account balances are too high compared to their loan amounts '' This is a quote. It is very specific. Here is my specific reply. I have NO real estate balances!! None. Not a single  XXXX . I have not had any real estate loans since last  XXXX ! It 's  XXXX .     I do not understand why CFPB accepts this kind of reply from Experian. They clearly did not investigate my very specific complaint. They did not even read it to see if there were any specifics.     Very frustrating that credit agencies can operate with complete indifference and impunity and get away with it. They should be fined for this. Thanks.
Consumer complaint received 2016-07-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

With all payments current at the time ( XXXX our current mortgage company XXXX XXXX XXXX took {$49000.00} in mortgage payments and decided to move it to other and as of that point we were indtsntly 3 yrs behind on our mortgage then they flipped our mortgage to Nation star who as we all know at that time was a collection agency under XXXX XXXX XXXX since XXXX in court papers we were being foreclose on by XXXX XXXX n Nation star all our dealings with the foreclosure were always directed to Nation star who refuse to deal with us in any manner saying I was not XXXX of the owners and to this day I never had an act with Nation star so how did the manage to get a deed in XXXX ( XXXX ) without ever having a note transfered by law the last recorded legal deed was by my original loaner XXXX witch Nation star kindly sent me a copy of in my foreclosure packet I want my home back no refinance the broke every law in the book and should be punished according shut them down from ever doing this to any more Americans
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CO)

I contacted Resurgent Capital Services.  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in  BK . I explained by BK was released in  XXXX    XXXX   and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.  XXXX  Called and still no updated per  XXXX .  XXXX   XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a  manager  and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the  manager w as a lunch and sent me to voicemail. I did not get a return call.  XXXX  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since  XXXX  and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

My name is  XXXX   XXXX   XXXX   XXXX , and sadly I have had to file numerous FTC Complaints against my Bank  USAA  XXXX   XXXX   XXXX  . I have had more problems with  USAA  in the last  3-4  years than I have had since I joined when I was   XXXX -years  old. I have had to file complaints ranging from not updating accounts accurately to Credit Card issues that I have never, ever had before! Currently  USAA  via a contracted Mortgaging Company-  XXXX   XXXX    is not taking my monthly Mortgage Payment automatically out of my USAA Checking account on the  XXXX  of every month as I signed up for. I was led to believe that the previous  USAA  contracted Mortgage  Servicing Company ,   XXXX    ( sp ),  was not doing a good job an d USA  A had numerous customer complaints and this is why they switched me to   XXXX   XXXX   I have recently learned, via talking to USAA Mortgage Servicing Agents, that USAA has ab out  4  Mortgage Servicing Companies contracted and I believe  XXXX  is still one. I had no issues with  XXXX , as they took my payment out religiously on the  XXXX  of every month regardless of weekend or holiday. I have talked with everyone at USAA there is to speak with and  XXXX   XXXX  and this issue has never been resolved. All I have ever gotten is excuses, and as of this morning at  XXXX   CST   XXXX   XXXX  has still not processed my Mortgage Payment. I once again called USAA this morning and spoke with a  XXXX  in  USAA Mortgage Department and once again told her USAA nee ded to get this fixed- but have very little hope of that as have already complained enough. Any assistance you can render would be appreciated, as not taking out a Mortgage Payment of over   XXXX dollars  a month, when scheduled makes it difficult to manage ones finances properly. Thank you in advance for any assistance you  may  render in this matter!      XXXX   XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On  XXXX   XXXX    XXXX   I faxed my police report identity theft report to Transunion because I am a victim of identity theft someone stole my personal information and opened up accounts in my name. I was told by the supervisor by the name of  XXXX  that once they receive my police report they would remove the fraudulent accounts as well as those inquires off of my credit report. Now the supervisor is telling me that they can only dispute the accounts and they are still on my credit report. I am being treated like I am the bad person and the reps were so rude like they do n't even care. Something needs to be done about Transunion tactics because I have been experiencing problems with them since this has happened to me.
Consumer complaint received 2017-05-02
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: Experian Information Solutions Inc. (CO)

On the Experian credit report Dated   XXXX   XXXX   XXXX  , it lists a previous address as  XXXX   XXXX   XXXX   XXXX  in  XXXX  SC  XXXX .Geographic code  XXXX , Address identification ID #  XXXX . There was an application (  XXXX  ) put in for a  XXXX   XXXX  Credit Card at this location earlier this year that  XXXX   XXXX  contacted us on   XXXX   XXXX   XXXX  . We denied applying for this credit card. We had identity theft on our Colorado  XXXX   XXXX   XXXX  for  XXXX . We have never lived or visited South Carolina. This is identity fraud. This is also the origin of our Colorado  XXXX  tax fraud.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery is stating I owe a debt of {$260.00}. I repeatedly disputed this claim several times via mail over the past 2 years because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt .
Consumer complaint received 2024-10-15
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2023-07-24
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. (MD)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  , DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance Owed : {$140.00} ; XXXX/XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; Medical XXXX Balance Owed : {$47.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXL XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXY XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We fell behind on our house payments due to  XXXX  loss and of our business. I have been in ongoing conversations with Chase. I also spoke to our Represenative. We informed her  ans   Chase  we recently rented  1/2  our house out to help pay our mortgage payments. I informed the  Represenative  we were keeping our house. I inquired about modification and she told me to wait  two  months to show the income from the new rental. I informed her we could make a full house payment  XXXX / XXXX /  XXXX  . I spoke with her  XXXX / XXXX /  XXXX  . LAst night I got a call from  Chase  and I was told our house was in the foreclosure department and we would now be responsible for legal fees and many other costs even if we could paid the delinquent amount.   I made it clear, we would complete a modification packet, but was told by our Represenative to wait. On  XXXX / XXXX / XXXX  We were told our loan was in foreclosure. This is misrepresentation and an attempt to charge us for extra fees!!!  Chase  is practicing bad faith and unfair business practices. We do t qualify for Save your Home, CA., our loan is over the {$720000.00}. Amount allowed, but is {$750000.00}.   We simply asked for 5 more business days and for Chase to take 1 payment. We went to great lengths to rent out  1/2  our house, now  Chase  is foreclosing!!! We want this stopped! And we should not be charged extra fees! This is against everything Chase is supposed to do to WORK with homeowners and not TRICK them. They have money to help people like us and have not upheld their obligation.   Please contact us for our loan number and anything else you need. We only want a fair opportunity to save our home!   Thank you.