davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bread Financial Holdings, Inc. (TX)

I recently moved back to the United Estates on XX/XX/XXXX, after living in XXXX for over 13 years. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is Comenity Capital Bank which already had transferred that account to XXXX XXXX XXXX for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from XXXX XXXX XXXX on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to Comenity Capital Bank, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home USA and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

My original mortgage was sold by The XXXX XXXX to Loancare on XX/XX/XXXX. I did not get notification of the transfer until XX/XX/XXXX. In the meantime I made payments for XX/XX/XXXX and XX/XX/XXXX to The XXXX XXXX. The payment for XXXX was successfully credited to the Loancare account, but the XXXX payment was not. Loancare are now saying I am in arrears for the missing XXXX payment and have also impacted my credit score by telling the credit agencies that my account is in arrears. 
When I contacted Loancare they said the needed proof of my payment to The XXXX XXXX, so I sent them the electronic transfer details as I paid through my bank. That was sent in XXXX of XXXX and I heard nothing from Loancare until XXXX of XXXX when they contacted me to say I was in arrears. 
After speaking the them they told me that their Escalation Payment Dispute department said that they needed further proof, although no one contacted me at the time. I contacted The XXXX XXXX  who have confirmed a check was sent by them to Loancare for the XXXX payment, but Loancare say they did not receive it and are requiring me to get a new check from The XXXX  XXXX. 
The amount of the original payment is {$1200.00}, Loancare have been adding missed payment penalties totaling {$590.00} and are saying I'm past due an amount of {$1700.00}. 
Both of the payments I made were within the 60 day period from the original transfer of my mortgage from The XXXX XXXX to Loancare.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my Hud Housing XXXX, XXXX XXXX, XXXX and emailed to Selene Finance on XX/XX/XXXX at the email provided on their website provided, XXXX. 

On XX/XX/XXXX, I received a notice from Selene Finance stating that they did not received any of my documents. On XX/XX/XXXX, I immediately contacted XXXX and an email was sent out to the assigned Loss Mitigation XXXX at Selene Finance that is working on my Loan Modification file, XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX, XXXX and XXXX. Since no response was received I reached out to Selene Finance by phone and added a formal complaint for non-responsiveness. That same day, I received a call from XXXX XXXX and she confirmed over the phone that all of my documents were received and that they did not need anything additionally from me in order to proceed. 

on XXXX, I received a letter from Selene finance dated XX/XX/XXXX where they are asking for the same items that they already confirmed on XX/XX/XXXX that they had. They additionally are requesting for an additional document XXXX rental lease of my second flr unit XXXX which I've advised on my hardship letter reasons of why that unit is vacant. 

It is now XXXX and Selene Finance has not reached out to XXXX my HUD XXXX and is not responding to any of my communication. I'm only in $ XXXX in arrears which is a very minimal amount in comparison to others. My HUD XXXX XXXX recommended I reach out to you in order to get a resolution on this matter. If you can kindly assist in reaching out to Selene Finance as the deadline to complete the XXXX Modification with them is XX/XX/XXXX and their negligence is keeping me from meeting that date. Anything that you can do to assist will be greatly appreciated. If you can review with them the following that would be fantastic : XXXX XXXX Why is it that my assigned Loss XXXX XXXX, XXXX XXXX, is not responding to emails or calls? 

XXXX XXXX Why did they confirm on XX/XX/XXXX that they received all of my documents and then proceeded in sending out a letter stating that the documents they confirmed they had are now missing? 

XXXX ) Can they kindly reassign me a new Loss Mitigation XXXX preferably someone by the name of XXXX XXXX who is incredibly knowledgeable of the Loan Modification process and who worked on the first loan Modification I had to undergo with Selene Finance? 

XXXX regards, XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

I have my credit card on auto-pay with Chase through their XXXX app, and they charged me a XXXX dollar late fee. How the heck do I get charged a late fee when I have given Chase the authority to take my monthly payment from my checking account before or on the date my payment is due? What a scam.
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

A Wells Fargo bank teller asked me about a cashiers check that I wanted to deposit into my checking account. She asked me what the check was for. I told her that it was a personal business matter, and that I was insulted at what she may be insinuating. She called her co-worker over, because she wanted me to tell her what the money was for. The co-worker said that they simply wanted to check the " validity '' of the check. It was a cashiers check from XXXX in XXXX, Az. The teller then chose to freeze all of my assets, and said that she wanted to do an investigation for my protection. However, the justification ( s ) she used for the investigation were that I had refused to answer security questions, which by the way would not be needed with me standing in front of her with all of my credentials and proof of identity. I simply did not want to tell her what I was going to use the money for. She clearly created a power struggle because I would n't tell her exactly why I was issued a cashiers check for a measly {$1900.00}. I am furious!
Consumer complaint received 2020-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/20 I bought a new car at XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX was offering a XXXX day no payment deal and was told this was what i was getting. Upon inspecting my first payment I discovered that I did not get the deal and it was changed to XXXX  days no payments. Ive visited the dealership several times and they have said everything that I actually do have XXXX days XXXX which is false ) to saying that XXXX wont tell them anything about my contract. When i call XXXX financial, they say that only the dealership can correct this.
Consumer complaint received 2020-04-08
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. (NY)

To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the XXXX, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX When I found out about these XXXX accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) Factual Data XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX Bank XX/XX/XXXX not authorized by me ( I believe this to be fraud )
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

I travelled to XXXX in XX/XX/2022 for attending my sister 's wedding, where I used my Chase credit card for doing a lot of shopping. 
During this time, I used to get email alerts for every purchase I made, which I usually take a look at later, as I didn't have the access to internet while out in the market doing shopping. 
On XX/XX/2022 I was out in the market to purchase some gold jewelry, before going to intended shop, I parked my car in the market and the mobile parking attendant asked me to pay for the parking upfront. I handed my card over to him and he swiped it on his mobile card reader machine. After that, I made the purchase at the intended shop and was on my way back home ( I couldn't check my email alerts at this time, as we were busy with the wedding preparations ). After a few days when I looked at my credit card statement, in addition to my all other regular and expected charges - it showed me a unrecognized charge of {$1600.00} from an unknown entity ( this was on the same day, but prior to when I purchased the gold jewelry on XX/XX/XXXX ). This is when I realized that I have become the victim of credit card fraud, most likely by the 'parking attendant ' who swiped my card that day just prior to my purchase on the jewelry store ( I didn't see any 'parking " related charges on my credit card in that statement period ). 
When I disputed this charge with the chase bank, they investigated my issue and denied my claim by saying that the card was in my possession when this fraud happened. I tried re-appealing my case with them and tried talking to the fraud department, but it all went in vain as the chase rep that I talked and tried to explain my case - became extremely rude and literally threatened me that if I don't pay this charge, they will spoil my credit ratings. At this point I felt extremely frustrated and helpless, as there was nothing I could do to fight my case. My track record of paying my CC dues have always been clean, I never ran into any payment issues with Chase ( and couple other banks ). At the end of it, I anyways paid for this fraudulent charge on my card and going get my account closed with Chase. 
I am posting here about this issue, as I don't have the time and energy to take a legal course of action regarding this, but I hope I can get some resolution from Chase with the help of CFPB, and I hope people can also learn from my incident and be more vigilant at their end.
Consumer complaint received 2020-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC (OR)

On XX/XX/XXXX, I recieved a phone call from a Debt collection company called D2 management. The man who was in the phone tried telling me that I owed {$350.00} for a payday loan that was placed. This company sold my debt to another company two months ago to another company called XXXX XXXX XXXX. On XX/XX/XXXX, I called and paid a settlement amount with the XXXX  XXXX XXXX. I have a credit card statement that proves it, along with a letter from the company. The man with D2 management yelled at me over the phone. He told me that he heard my recorded messages from past phone calls and that I dont have any proof of paying the debt, even though I do. He continued to talk over me by yelling. I disconnected the phone call with him and the same man called me back. He continued to yell and told me that I wrote a bad check for the payday loan, when I know I didnt. I do not own a check book. He also stated that my debt was never sold to another collection company. I never heard of XXXX XXXX XXXX  until I viewed my credit report and saw that D2 management sold my debt to them. The man with D2 management tried saying that I made an agreement with them to do a payment plan with the first pay starting in XXXX. The agreement was voided because the first payment did not go through. They would not accept the possibility of waiting until the next payment for XXXX. I was told that because the first payment for XXXX didnt go through, that the agreement was considered void. Then I was threatened to be taken to court and a judgement filed against me. In XXXX, D2 management took funds from my account, even though I was told the agreement was voided. I called my bank and had the funds credited back to my account because they did not have permission to withdraw funds, since the previous agreement was voided. I called D2 management and spoke with a representative to ask them why they withdrew funds without my permission? I was told that they were going by an agreement, even though it was voided. XX/XX/XXXX, is the first time I have spoke with D2 management since XXXX. Every phone call with them has been recorded. Including the phone call with them saying that my agreement was voided.
Consumer complaint received 2020-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I have tried to dispute this debt for over 2 years now. This is one of the actions I decided to do against ACCOUNT RESOLUTION SERVICES before I go a step further in seeking council and filing criminal charges. I have tried to contact them on a number of occasions via mail and telephone but they have failed to produce the required evidence that proves this debt belongs to me. I have contacted ARS through telephone 3 times and the young lady I spoke with was very rude and upset that I was even asking for the required info, which is required by law for me to have. She even hung up the phone on me after telling me to stop scamming people and just pay your dam bills. This Agency is very unprofessional and really doesn't cooperate with consumers request for debt validations. I've sent a debt validation letter out to ARS on XXXX/XXXX/18 asking for a Contract or agreement along with the promissory note that has my signature on it and they have not responded. On XX/XX/18 I've sent another debt validation letter out and still no response. The problem with ARS is that they have the wrong last name of this debt on my credit report which doesn't belong to me. I even sent them a copy of my drivers license and social security card proving that the name isn't mine and they still refuse to remove it. I have provided ARS with a final letter that is attached to this complaint describing once again how they are in violation. I am asking that CFPB investigate this issue.
Consumer complaint received 2020-04-08
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. (TN)

First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over 500 and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BERKSHIRE HILLS BANCORP, INC (MA)

opened XXXX XXXXXXXX with Berkshire Bank XXXX XXXX, in XXXX XXXX stated I wanted e statements, They are sending me paper statements through the mail, Well they are being returned to the Bank because The post office wont forward Bank mail .I am in Florida, as a result the statements are being returned to the banks each month, and I am being charged XXXX each month.
Consumer complaint received 2020-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied Neiman Marcus Store credit card / Capital One back in the Year XXXX. I signed up for e-statement since that is the way I manage my cards. I did not use my card often, but when I tried to log into my account to make a payment, my password did not work. I tried to reset my password but never receive the email for the link. ( I did check my Junk mail every time ). Because of that, I stopped using this card. 
But still, for the one purchase I made in XX/XX/XXXX ( before I finally realize how hard it is to have my online account actually work smoothly ), I had to pay over the phone with the late fee of {$60.00} since I can't log into my online account. Of course, the negative report shows up on my credit record. 
On XX/XX/XXXX year XXXX after talked with someone, I was told a fax number XXXX XXXX XXXX to sent my Removal Negative Status request to. I faxed over the letter explained the reason and ask them to remove the negative report. Even before I faxed out the letter, my trying to reset the password still failed. 
XX/XX/XXXX, I called them to check the status and was told their record shows that my reason is invalid. When I ask to speak to someone, they said no one can help me. I asked for the right department to help me, they said they don't know which department. When I asked to speak to the department which can help customers to reset their online account password, a person who works there told me he is not sure if he can help me. I asked for the Reset Password Request record of my account, they said they don't have it. 
This is very sad that when they don't do their part of work, their customers take the impaction.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continuously reports an account on my credit report that is being reported inaccurately. Transunion is reporting the " LAST DAY ACTIVE '' as XX/XX/year> but XXXX is reporting it as XX/XX/XXXX. Now, if they are getting their information from the same source how is the information being reported differently? they cant both be right.