davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CA)

The following company Meridian Financial Sercives,  is acting as the reresentitive for a XXXX  company called XXXX/XXXX and has placed a debt collection notification on two of the 3 American credit reporting agencies.  It is illigal to do so, the company they are representing never provided good nor services for what they are charging. Also, it is outside the United States and does not have my Social security number. There are two accounts showing on the XXXX  and XXXX XXXX  credit reports.  These are the following accounts, indicating initial dates, account, amounts that were never borrowed.  XXXX/XXXX is not an american company and has no jurisdiction in the united states.  It is a XXXX Resort company that cons and deceives travelers promising goods and services that never pan out.


First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX XXXX
XXXX NC XXXX

First reported: XX/XX/2019
Amount:$XXXX
Meridian Financial Services
XXXX XXXX XXXX XXXX  XXXX
XXXX NC XXXX
Consumer complaint received 2019-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (MD)

Began when I missed a mortgage payment in XX/XX/XXXX, there after the payments were made late until XX/XX/XXXX. I requested assistance with a loan modification so the mortgage company, Nations Direct Mortgage sent a loss mitigation packet in XX/XX/XXXX which was completed and emailed on XX/XX/XXXX. The result, I was approved in XX/XX/XXXX for a repayment plan in amount of {$2000.00} which was to start XX/XX/XXXX. I called Nations Direct Mortgage loss mitigation department who told me to contact, XXXX XXXX ( under writer ) regarding the repayment plan, so I sent the email on XX/XX/XXXX letting them know I could not afford this month repayment plan but I never received a email or return call from Mr. XXXX. On XX/XX/XXXX I received an email from the Loss Mitigation processor, XXXX XXXX who requested another loss mitigation packet due within 30 day, then on XX/XX/XXXX an email was received from the loss mitigation department which states " upon review the following is still being requsted " not a typo. The email asked for the same information sent prior but I sent it again and never heard anything from the mitigation department. Then on XX/XX/XXXX a email was received from loss mitigation requesting the following : a hardship letter, making Home Affordable, the 4506t form, child support payment summary and ( 3 ) months of bank statements which was sent via email on XX/XX/XXXX. I never heard back from Nations Direct Mortgage. I filed for bankruptcy XX/XX/XXXX using assistance from bankruptcy lawyer XXXX XXXX XXXX, office in XXXX MD who informed me that the mortgage company foreclosed on my property on XX/XX/XXXX, I was not aware. After filing process the Mr. XXXX informed me that Nations Direct does not want to work with me thru the bankruptcy process, I filed Chapter XXXX, therefore Mr. XXXX gave me the name of a third party company, XXXX XXXX XXXX non profit program were this company could purchase the property and resell to the owner. The contact person was Mr. XXXX XXXX, Negotiations Manager, contact number XXXX who tried to reach out to Nations Direct Mortgage but had no success. Mr. XXXX states he has never experience this unprofessional behavior from a business, but states he will keep my file opened for any future assistance. Recently I contacted another non profit company, XXXX XXXX XXXX, contact person Mr. XXXX XXXX, HUD housing counselor,  phone number XXXX who also tried to contact Nations Direct Mortgage but they will not respond, so told me to file an complaint. I received a letter from XXXX City Circuit courts which states my automatic stay has been terminated as of XX/XX/XXXX. I take full responsibility on my current situation, it's my fault but I would like a fair chance to resolve without loosing my house. I worried that me and my children will be homeless but I'm also angry because I feel the company will not cooperate. I still reside in the property and I hope someone can help my situation.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have purchased and leased 4 vehicles with Honda Financial and at lease termination I would purchase the vehicle. I sent my monthly payments as contracted and never paid late or missed a payment. As I was now at the end of my 4th lease year, and I decided to make an extra payment. I clearly stated that I wanted the extra payments to go to principle. Honda even made me verfity this with a second phone call. However, I was not given a new amortization chart because of the additional payments. So I thought it was an error. I called the company and was informed that they would not change the interest that I was to pay on the loan even though I paid in in advance. I could however take a month off or miss a payment month. I think that was illegal. To add insult to injury, they acted like I was too XXXX to know what I was talking about. So I requested a supervisor and was told that I had to wait for someone to call me back, and that it could take 24-48 hours..I wanted them to lower the payoff amount by the princple balance, not by they contract interest they prepared 5 years ago/ Isn't that illegal? don't I have the right to get a fair deal? Are they taking advantage of an ederly person? 

When they finally called me back, they informed me that they would record my call, but when I also informed them that I would also record the call, they told me they did not agree and promptly hung up on me. Why? What are they afraid of or lying about?
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

On XX/XX/2021 I sent a letter to LVNV funding LLC for reporting inaccurate information to the credit bureaus. The company refuses to delete or provide adequate proof of debt claimed. They are still reporting this inaccurate item as it is still on my credit report XX/XX/21
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MT)

On Monday, XX/XX/XXXX Ally Auto Finance received my payoff for my XXXX XXXX XXXX & as of todays date there is still an outstanding & open loan. The last 2 days I've called Ally Auto and spoken to their offshore representatives that displayed no interest in my concern & denied my request to speak to a Supervisor. On XX/XX/XXXX I spoke to XXXX from the Consumer Solutions & she was unable to confirm that the payment processing center is processing my payment. Furthermore, I was advised it could take 7-10 business days to process which is UNACCEPTABLE for it to take that long. I'm trying to purchase a home & I need to provide proof that this vehicle loan to Ally was paid off. Everyday that my account remains open I get a daily interest charge of {$8.00}. XXXX  tracking # XXXX.
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I electronically wired {$12000.00} from XXXX to Bank of America. While I entered the BofA account correctly, for some reason BofA reversed the wire and kept {$45.00} of the transfer. I have never been a customer of BofA and never plan to be, yet they kept money of mine that is not theirs. On XXXX 's website there is a wire fee disclosure of only one amount {$25.00}. XXXX never discloses that if there's an issue with a wire the OTHER bank at which you are not a customer of can keep some of your wire fee. This is a scam and I want to be refunded my {$45.00} from BofA.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I issued three separate checks to a contractor for services he promised to provide to at my property. Upon my demand for his proof of identity and state contractor 's license information, the contractor promised to provide me with that evidence at a later day. That was a scam, the contractor who impersonated himself misrepresenting his license status never showed up the following date of XX/XX/2021 and disappeared. I had contacted the XXXX and my bank, asking to place a stop payment on all three checks. The proof of call is in their system and I have that evidence as well. The bank groslly neglected my request for stop payments on all three checks and paid to the unlicensed contractor for the services that was never rendered. I demanded from our branch manager to backtrack their call logs, which she did and confirmed my calls made to Chase call center ( in addition to my emails to the headquarters attention ) for the purpose of immediately placing stop payments on specific checks. I asked from the branch manager to assist me in filing a claim, the answer was negative. The Chase Bank committed predatory lending and breached the contract. I hereby demand from Chase Bank to act in accordance with consumer banking laws and regulations and finally proceed with my demand for a claim.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Experian has violated my privacy rights by furnishing a consumer report in which I gave them no written authority to do so. They have shared this information with other which is also a federal violation. 

Pursuant to 15 US Code 1681b ( 2 ), a consumer reporting agency can only report with written instructions of the consumer to whom it relates. The CFPB states that identity theft is when someone uses any identifying information without authorization.
Consumer complaint received 2021-07-29
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. (WI)

On XX/XX/XXXX, I submitted a complaint to CFPB regarding XXXX  's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, XXXX  failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, XXXX  responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : XXXX
Consumer complaint received 2021-07-29
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: ENOVA INTERNATIONAL, INC. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-04-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd. (TX)

I called them at number : ( XXXX ) XXXX on Tuesday XX/XX/XXXX to discuss the matter and I left a voice mail, but no one called me back. 
This is regarding Account number ( XXXX ) for XXXX XXXX XXXX that was purchased from the dealer and the account was closed ... I can't see or access the account on XXXX webpage any more, and for account ( XXXX ) XXXX XXXX that was replaced with another vehicle of XXXX  XXXX and the account was closed and not showing on the website any more. 
If I still owe anything on those vehicles, the dealer should have notified me before I do any deal with them because they closed both account and I was not aware of any left balance because to my knowledge I paid everything online and with XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

Im trying to navigate through chases convoluted dispute process. 


The number on the back of my card didnt worm this morning XXXX XXXX XXXX I called twice around XXXX XXXX  and I put in my 16 digit card number before being met with heavy static & line noise before a robot told me to call back later. 

No problem I thought Ill just dispute it online. Well chases online dispute is conveniently missing several key areas. They only have I was still being charged and I was charged wrong amount. Neither of these apply to my situation, yet every phone rep I talked to later that day encouraged me to dispute online rather than wait to be transferred. 

All in all I must have put my card in 6 times for verification between my 4 phone calls to get this done. Finally reached a dispute person, she took my statement, then told me she couldnt handle it and had to transfer me to a specialist! At this point Im getting frustrated. 

She transfers me and the specialist is practically starting over from scratch! Repeating everything I just said and asking me to confirm every last detail which normally would be OK but what a complete waste of my time talking to the first agent! 

I need a direct number next time to reach a dispute specialist or an address to write to without getting passed around like a rag doll! 

I talked to XXXX a manager in the disputes department and XXXX in the disputes department. Neither of them were able to help me. XXXX kept telling me because I accepted a gift card from them that I cant do a dispute. I tried to use the gift card with their price match policy and I had lots of difficulty doing so, at one point they tried to kick me out of the store, at this point I just want my money back. 

I did find it strange that XXXX encouraged me to close my account and immediatly transferred me when I told him " why dont I just close my account ''. 

I need a direct number for a dispute specialist or an address to write to next time. This whole process just makes my head hurt.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

XXXX XXXX has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my Equifax credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.
Consumer complaint received 2021-07-29
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: CLGF Holdco 1, LLC (HI)

XXXX called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the 3rd day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company Genesis Fs refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX