davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On my last payment due on the loan I calculated the final interest and sent the payment in on time, knowing I would still have to pay the recording fee and closing fee but I didn't the funds for such at the time. The mortgage company acknowledged they received my payment on time and that it was the correct amount to bring the balance to XXXX ( I  also have the receipt ) but they did not apply the funds so a balance continues to remain. 
On this " balance '' they allowed to remain, they have applied late payment fees and allowed interest to accrue and are now insisting I pay those fees and interest before they'll let me pay the closing fee and recording fee. I have had repeated telephone calls with them telling them I'll pay the closing fee and recording fee if they'll waive or remove the late fees and interest and not only do they refuse, they've told me they don't care if I file a complaint and they'll continue to send in negative reports to the credit bureaus.
Consumer complaint received 2019-11-25
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: General Motors Financial Company, Inc. (SC)

XX/XX/2018 GM Financial Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

This account was delinquent on XX/XX/XXXX. It is currently XX/XX/XXXX and still furnishing to my credit report. It has reached its stautue of limitation and should be removed immediately.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (TX)

I have been trying to get my account back on track. My job sends me traveling and me and my crew became ill of covid and the project was shut down for 2 weeks we are unvaccinated. I was working with XXXX XXXX and explained my situation to her she said unfortunately there are no programs that can help me. She see i was making payments and keeping my payment arrangements but unfortunately the way my account is set up i can never get caught up. If i pay on the XXXX i get a new payment due the XXXX causing more late payments and keeping me behind. Now its to the point XXXX say oh well its nothing she can do since its no programs available and i just need to pay XXXX to stop the repossession and i can no longer make payment arrangements unless its the full amount. It's no way i can come up with XXXX and its XXXX plus I'm a single parent of XXXX paying a XXXX rent. The cost of living is going up but my check s are not and for them to a they cant help is stressful. I been paying them XXXX for XXXX yrs now that is almost XXXX and I still have XXXX left to pay. I keep the arrangements like she ask plus I was making payments to me that should show progress before I got behind I had my payments in on time unfortunately I didn't plan on my crew getting XXXX. This is a very stressful situation to be i I need my car to take the kids to school and go to work for them to say my payments are not helping and if i pay the my car can still get repo that's insane.
Consumer complaint received 2021-07-28
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. (PA)

FTC already submitted for XXXX XXXX XXXX {$2500.00}. This account is not my obligation and need to be blocked from my credit report card. I was unable to upload documents to Experian website.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (VA)

XXXX sept. XXXX I applied for loan assistance, sending the application and required documents to XXXX XXXX in Loss/mitigation. She verified that she got it and would sens it to the underwriter. In XXXX, i tried to make a payment, i was able to save up some, and i was refused. i was told that it would interfere with the loan modification process. around XX/XX/XXXX i spoke with XXXX XXXX, the POC, because i got an application packet in the mail with a different POC name. she reassured me to ignore this, and that everything was ok with my application. in XXXX, ii received another packet, with another new name, when i called XX/XX/XXXX i was told there was no application pending, nothing on record, and that XXXX XXXX had a new job so i couldn't speak to her. He was very rude and refused to tell me who i could talk to. said he would send an email to the department. XX/XX/XXXX i called again and spoke with a customer rep named XXXX, she supposedly reached out to XXXX and reassured me that her or XXXX would call me back Nothing again. I called again on XX/XX/XXXX and got XXXX in loss/mitigation. She tells me that because my name isn't on the loan they cant help me and that its now in foreclosure. she said they needed successor of interest, supposedly sent me a letter previously. I have never received any such correspondance. i am on there as a XXXX party since XXXX  when my father passed and i inherited the home. further more i sent the deed and will several years ago, and they have done a defferment before. 
'
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Allied Collection Services, Inc. (Nevada) (MS)

11 XXXX said that this debit would be fixed when I turned the I phones in that I had when I was a XXXX customer so I have returned all phones back to them and my name is still in collectors phones was returned on XXXX through XXXX shipping I have a shipping receipt XXXX XXXX and all the inquiries on my report I have not applied only one I applied for was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all others I contact the company and they told me they could not do anything for me to contact credit bureaus and I did but all 3 just like to ruin other peoples lives and names just because they have the power to do so I am asking for some help from you guy please because I havent seen anything happen or changed with my problems thanks help please XXXX
Consumer complaint received 2020-01-08
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: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX I their own admission, never had Validation of these debts they reported to the credit bureaus for all the years you have been broadcasting this unlawful reporting of these XXXX accounts. 

This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

If you do not remove these collections from your systems I will sue you after 30 days has passed if you have not removed them - you are in notice and you have The proof and evidence attached. 

XXXX XXXX XXXX also unlawfully disclosed personal XXXX XXXX violation documents in their miserable attempt to validate this almost 6 years too late! They did not follow protocol.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., has violated my rights. Account name : Waterfall Revenue 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (NY)

I spoke to a representative and demanded to not be contacted via phone at XXXX on XX/XX/20. Since then, I have received an additional 21 phone calls since. I spoke again to a representative at XXXX and said DO NOT CALL ME. Representative said " fine XXXX '' and hung up.
Consumer complaint received 2022-12-27
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: Bread Financial Holdings, Inc. (SC)

In accordance with the fair credit reporting act, CB/NY & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I ordered a laptop in XXXX and I never received it. I told best buy that I didn't receive it and the tracking reflects that It was mis-delivered. They refused to help me so I filled a billing dispute with the Best Buy Store Card. After months of it being worked on they dropped the dispute by saying that my card was reported missing. I DID NOT call in and tell them that I lost my card by any means. By them doing this, they have mis-handled my dispute and effectively locked me out of being able to dispute the charge again.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

This account has been resolved and has a - $ XXXX balance. It has been paid off with XXXX. Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a Walmart credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX
Consumer complaint received 2022-12-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (CO)

On XX/XX/XXXX, I opened a personal XXXX  account ( rather than XXXX through my employer ) with XXXX in order to close an existing XXXX  with XXXX XXXX XXXXXXXX  ( Optum Financial ) due to being charged $ XXXX after terminating with the employer who had previously sponsored the account. I was advised by XXXX the following week that Optum had rejected the transfer request and that I needed to work directly with Optum in order to complete this transfer. 

I physically mailed an account closure request to Optum Financial in early XXXX and never received a response. When I later called on XX/XX/XXXX, I was informed that a ticket was opened in XXXX and closed either the same day or the next day without action. I was later told in the same phone call after further prompting that the failure response was sent to my defunct Salesforce employment email address despite my statements and other official documentation going to my current personal email address. No physical mail was sent back to me, and no further attempts were made to contact me after that email bounced back to Optum. I was advised that Optum could not proceed with account closure until I liquidated my assets, which meant I manually had to sell the stock into which my funds were invested. I was informed this would take multiple business days. I did so and called again on XX/XX/XXXX, and XXXX to confirm not only that the funds had liquidated, but also that my account closure was in progress. 

On XX/XX/XXXX, I was informed that the standard account closure XXXX was XXXX - XXXX weeks, and that there was no value in continuing to monitor the status of this transaction. I asked multiple times whether there were any additional steps I needed to take or whether I could validate progress and was told no. 

On XX/XX/XXXX ( the sixth week ), I contacted Optum Financial ( XXXX XXXX XXXX ) again because it appeared that, not only had the account not been closed, the funds themselves had been automatically reinvested on XX/XX/XXXX. I was told I needed to re-liquidate the assets, at which point I informed Optum verbally that I was filing a complaint with the CFPB.
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

My student loan was placed in a forbearance without me asking for this to occur. This has happened while I am in the process of trying to apply for a home loan. As such, my credit rating has been negatively impacted, which will probably cost me thousands of dollars over the course of the loan due to having to accept a higher interest rate. 

On XX/XX/23, I called and asked the company ( Mohela ) about this and was put on a series of holds for over two hours, which resulted in no resolution. The representative did acknowledge that the forbearance was not requested. I was subsequently placed on hold again as she consulted her supervisor and then left me on hold for an additional hour before I hung up.
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

This is a complaint against Ability Recovery Services located in XXXX, PA. This company has continuously disregarded my consumer rights under the Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental worry. For starters, they're reporting a wrong & unverifiable account on my credit report and not to mention an account in which I've requested for evidence of claim and which they were not able to furnish, per the FCRA & FDCPA. In spite of my endeavors to fix this unfortunate problem for quite a few months now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ability Recovery has completely dismissed my communications and multiple requests to delete this mistaken information from my credit report. This company 's negligent conduct has caused lots of great harm, not only to my capacity to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me. I really appreciate your time and guidance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I opened a Wells Fargo Everyday Checking account on XX/XX/2019, and as part of the online account opening, made an opening deposit of {$50.00}. I opened the account on a page that offered a {$400.00} promotion bonus if I received a cumulative monthly total of {$3000.00} or more in direct deposits to the account. 

In XXXX, I received {$3000.00} in direct deposits. In XXXX, {$5700.00}. In XXXX, {$5300.00}. So I should have qualified for the bonus. Wells Fargo did not award the bonus and I called them to resolve this. Wells Fargo argues that they go by statement months and not calendar months. This was not said anywhere on the promotion page ; indeed, the language says " cumulative monthly total of {$3000.00}, '' and to a regular English reader, this means calendar month. Please award the bonus and issue an apology. A picture is attached of the promotion page.
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

I declare under penalty of perjury ( under the laws of the united states.if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made . I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the ftc.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NV)

I leased my XXXX XXXX XXXX with Chrysler Capital. I was on autopay the whole lease. I did not change my bank information or modify my payments in any way. I spoke with Chrysler Capital on XX/XX/XXXX to ask how I can buy out my Jeep and nothing was mentioned about any late payment. I went to buy out my lease in XX/XX/XXXX and nothing was mentioned to me in regards to owing any money. In XX/XX/XXXX about 2 weeks after I purchased my car, I received an emergency alert from XXXX XXXX stating I missed two payments on my lease and my credit score dropped more than 70 points. I didnt understand what happened because I was on autopay and I never received any late notices, emails, or phone calls in regards to late payment. My statements were all paperless and went directly to my email for the full 3 years. I contacted the company several times and I was bounced around. Every time I called no one knew what was going on and I had to reexplain the situation. I was told to send a formal letter to a PO Box and an email in regards to my issue which was sent on XX/XX/XXXX. I didnt receive any response back so about 2 weeks later I contacted them again and requested to speak to a manager who said unfortunately theres nothing they can do and that its my responsibility to check that they take it out. He said usually they can fix the credit score but in my case they refuse to do so. I contacted a lawyer because I felt they were being bias and I didnt feel like I was treated professionally. I asked them to release my phone messages and they refused to do so. My lawyer told me they most likely do this all the time and to file a complaint with CFPB because there was nothing he can do because its technically my responsibility to check my bank statements. Its been a full year and Im still fighting to get my credit score back up. I was on my way to a perfect score and now with this error its extremely hard to get my score back. I am currently refinancing my house and I have explain why I missed two full payments. I was on Autopay with no missed payments for the full term until they  stopped autopay unbeknownst to me. This company has poor practices and they refused to fix their error.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (AL)

n accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX acct * XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX acct * XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX acct * XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ca XXXX acct * XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, NE XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, Al XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

As of XX/XX/2021 Experian is not allowing me to provide additional information regarding a disputed item. The dispute says submitted but when I return to the dashboard it has not been submitted. The account in question has been removed by XXXX and XXXX and it is unfair and discriminatory not to remove it and not to allow me an opportunity to provide documentation.