davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

It feels like a massive waste of time to have to write this complaint, but without doing so, nothing will get resolved. I opened this credit card, the card was never shipped to me. I had waited for several weeks and had to call in. From the start they were going to tell me it would take another week or two to receive it. I stated very clearly that it was already their fault I did not have it, I wanted to make a large purchase with said card. I had to speak to a supervisor to get a next day card. 

Fast forward to my first statement balance. The website would not allow me to add any payment information, I tried several times. I eventually had to call the customer support line and provide this information over the phone which I was not happy about. They paid my bill over the phone and i was under the impression they signed me up for auto bill pay. I have very strong credit, I enroll in auto pay for all my credit cards, mortgage, etc. 

Fast forward to last week while I was on vacation, I saw I was past due on a payment, no email was sent to me.. I went into the payments section to explore why a payment was not sent.. all my checking account information was gone from the website. I did not modify this on my own. It was just gone.

So not only did I not receive an email reminder ( paperless billing ), but my payment information was gone so I was unable to easily make a payment from my phone. I had to find a laptop, while on vacation, just to gather all the necessary information to post a payment of the full account balance.

Fast forward to today, I had to speak to an IVR and give 5 -6 voice prompts just to speak to someone. They gave me the general statement about a 1 time XXXX $ credit for late fee, assuming I pay my next balance in full, etc. I said I want the full XXXX credited because this is bank is a comedy of errors. 

Why does paperless billing not send me an email to alert about upcoming payment? 

Why is my payment information suddenly gone? 

Why doesn't the bank look into my support interaction to see the initial trouble I had with this bank and have empathy for a customer? 

This all feels like they are setting up customers to fail and have to suffer late fees. XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  are EXTREMELY easy to work with. Comenity has a frustrating user experience. 

I regret I have to write a review over XXXX $ but this is what it has come to.
Consumer complaint received 2021-04-14
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. (CA)

There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX Acct # XXXX XXXX {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX-Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-12
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. (MN)

I need to file a complaint on Experian I have asked them about 7 time to Investigate incorrect reporting on my credit file But they failed to do their Job XXXX account XXXX account status is reporting as closed should be charged off also charged off account showing a pass due Balance of XXXX per FCRA ACCOUNT CAN'T BE REPORTED LIKE THIS WHICH IS A MAJOR VIOLATION ALSO NO ACCOUNT NOTE AS TO WHO THE ACCOUNT OF SOLD TO ETC. But yet Experian claimed that the account was verified. I'm going to need you to delete this major VIOLATION OF ACCOUNT SEE DOCUMENT DURING your last investigation I need to Know who you spoke to when you spoke to this company what info you sent to them what info that they sent you also a credit. DELETE THIS ACCOUNT ASAP
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have had a very difficult time with SPS - Select Portfolio Servicing. I tried 2x 's to do a loan modification. I told by SPS the investor will not do a loan modification, its not allowed. I was then told I was approved to do a short sale. My Realtor has submitted the documents to start the process. SPS needed to do an appraisal, which was completed on XX/XX/2019. I found out the same day SPS placed a sale date of XX/XX/2019. That's in less than 30 days. SPS told me and my Realtor they would allow 60 days for marketing to sell the house. Once again, SPS lied. How can SPS be allowed to start the short sale process, and then place a sale date on me to force me into foreclosure.? Isn't that illegal in the state of California?
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

After one year of attempting to resolve my escrow discrepancy with my Mortgage Company it is finally official they are incorrect on their calculations and managing my account correctly. As of today I have received XXXX tax form information from them and all three were different, plus the escrow amount did not equal my escrow end of year analysis. How can so many dollar amounts be off is unclear to me. This truly shows this company needs to be dealt with.
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

In XX/XX/2018 my mortgage was sold to a new servicer - Citizens One bank. Shortly after the sale, monthly payment amount went from XXXX to XXXX ( I was unable to get a clear explanation as what the reason for the increase was ). Since I had automatic payments set up with my Bank ( XXXX ), I continued making a monthly payment in the amount of XXXX for two months after the increase took effect. 
Rather than billing me for the difference, Citizens One, who discovered the problem in XX/XX/2018, decided to refund my two monthly payments (!!! ) and then started making threatening calls to me, claiming I was about to default on my mortgage. I had to make an emergency payment of XXXX to make my account even. 
The two payments of XXXX were refunded by ( physically!!! ) mailing 2 separate checks to my home address - each in the amount of XXXX, one on the XXXX and another - on the XX/XX/XXXX. Naturally, one of these checks got lost and despite me calling Citizens One numerous times for a replacement check, none was sent to me. It has been nearly two months and I can not get my money back! 
I find it absolutely outrageous that this kind of unprofessional and borderline fraudulent behavior is tolerated - Citizens One is clearly incapable of providing quality service to its clients and should not be allowed to service consumer loans.
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

Received a bill from AR Resources on XX/XX/19 attempting to collect a debt for " XXXX XXXX XXXX XXXX '' in the amount of {$210.00} for my Daughter, XXXX XXXX. I do not owe XXXX  XXXX XXXX XXXX any money. I dispute the validity of this debt.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

I called the collection department to request a settlement and was denied. Was offered to make payment arrangements because they found other debts linked to me. I clearly stated that I did not want to make payment arrangements but I would like to pay each account in full one at a time if the debt belongs to me. At not time did I claim ownership of the other debts. The specific debt in question was {$130.00}. I paid the exact amount and PMABLLC only applied {$23.00} claiming that I still have a balance of {$100.00}. If my payment wasnt going to be applied In full to the medical bill for the office that I intended it for, PMAB LLC should have returned the payment along with a letter of payment arrangements. I did not agree to any type of payment arrangements verbally nor written.
Consumer complaint received 2019-04-12
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: EQUIFAX, INC. (FL)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc. (TX)

This car was returned to Consumer Portfolio services and they have sold this car but they continue to report it on my credit. They picked this car up over 8 years ago and but they still say that I owe them. They say that I owe them over {$9000.00}, which is very untrue. This should be removed from my credit report asap.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On I filed an Identity Theft Affidavit with the FTC on XX/XX/XXXX in result of the information reported against me regarding a defaulted account reported by Bank of America under account number XXXX. 
This account was used without my consent and knowledge. I reported suspicious activity and the use of my personal information to my local PO department as per stated in my FTC Identity Theft Report filed XXXX. 
I have made 3 attempts to request a Fraud Packet from this institution to continue the process as described by the FTC and each time I have been told that I will receive it in the mail. 
Time of Event : XX/XX/XXXX I disputed this account via XXXX and uploaded ( 2 ) forms of ID and ID Theft Affidavit XX/XX/XXXX I called Bank of America and requested a Fraud Packet as advised by FTC XX/XX/XXXX visited my local branch and requested a Fraud Packet as advised by FTC On XX/XX/XXXX I wrote to Bank of America and mailed it certified delivery with USPS ( see attached letter ) and to date I have not received a response. I am repeatedly reuqesting that BOA amend this account and remove the inaccurate derogotary information from my reports because as a result of this incorrect reporting I am experiencing extreem financial hardship.
Consumer complaint received 2021-04-14
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. (CA)

There are two accounts on my credit as well as 5 inquiries that are on my credit that are not mine and these accounts I have not signed used or even applied for I have sent out a dispute for all the bureaus back in XXXX and I am still waiting for a response back please help me this is hurting my credit and I dont feel I should pay for something that is not mine. 

XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$570.00} INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX.-Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AZ)

I have reason to believe that my information may have been compromised due to fraudulent activity. I have an account reporting on my credit that I did not authorize nor give anyone else consent. The information being reported is inaccurate and does not belong to me.
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NY)

CCS COLLECTIONS You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )
Consumer complaint received 2020-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Finance Corporation (MN)

Student Loan reunion corporation has very high interest rates. They are more than doubling my total costs to pay back this loan. This is such a scam. They should be forced to pay me back all my interest and relieve the principal. 

There should be a fixed rate for student loans this is so XXXX  how they can change numbers on customers.
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

Around XXXX of XXXX an account showed up on m credit report for {$550.00} for a company I XXXX Systems ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX claiming to be collecting for T-mobile I disputed it with the credit XXXX Credit Bureau it was investigated and removed but in XXXX of XXXX this account showed up again. I disputed the account once again and called my phone company T- Mobile with whom I still have an 18 year phone account with an they have no record this account, and they could not help me. I have a disputed with XXXX and I tried to upload my phone bill but XXXX is having trouble with their uploading system, I will keep trying. I don't owe this money and someone is clearly using my information, I ask if you could help please resolve this dispute.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (NY)

Application number XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502
Consumer complaint received 2019-04-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is making up false docs, also they are trying to collect XXXX XXXX dollars more than owed, also the statue of limitation has expired for this debt, bank of America as a debt collector can not bring suit now, we are disputing this note, as there was never a closing at a title Co., they have refused to produce any recipes for the money, that was claimed that was paid, this was a country wide predator transaction, some of the docs were forged doc, s
Consumer complaint received 2019-04-12
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: AES/PHEAA (VA)

I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX  XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX and XXXX  that the information is still not reinstated on my file.
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (VA)

I paid {$850.00} to my account with PayPal on XX/XX/2019. They show it as pending and have not credited to my account even though they have received the funds : Paid with XXXX XXXX XXXX XXXX XXXX Transaction ID XXXX Payment info PayPal Credit PayPal claims that the funds are still being processed by the federal bank clearing system. They refuse to  provide any proof of this.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (GA)

On XX/XX/2019 I contacted First Financial Asset Management to settle a debt that was originally owed to XXXX XXXX. They informed me of the amount that I owed, and after I explained that I have been going through financial hardship recently, they told me that we could settle the debt if I could make a one time payment of {$160.00}. That was more than I could afford, but they assured me that if I paid that plus the {$5.00} processing fee, my debt would be settled and removed from my credit report. I even asked if a payoff would be sent via email after the payment and they said that it would be. I was then transferred after I scraped together almost everything I had at the time to make the two payments. I asked the person taking the payments if I would receive a payoff email and she said that I should along with receipts for my payments. After the call I only received receipts for my payments and I assumed the debt had been settled. The next update to my credit report showed that I still had a balance of {$40.00}. I feel as if I was mislead and tricked into making a payment by this company.
Consumer complaint received 2019-04-12
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: EQUIFAX, INC. (VA)

I'm writing to complain about my XXXX Account ( XXXX XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with Equifax and XXXX  that the information is still not reinstated on my file.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (MO)

I terminated a home security contract due to poor or non-existant service. The company XXXX neglected to provide guaranteed reporting to my local fire department or other emergency services when I had an in home fire. I had to put the fire out myself and request fire department confirmation that the fire was indeed out and there were no additional safety concerns at that time. I am now being harassed on a multiple times daily robo-calls from a third party named Virtuoso Sourcing Group in regards to this matter.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are more then a few transactions I never authorized, and I made a claim with the fraud department for Bank of America/EDD card. They denied my claim because the accuser new my pin and has been making transactions since before XX/XX/2019. I have no more money and a job. The police is doing a criminal investigation but I still need help. Please!
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Consumer USA account is reporting a charged off collection account and a late payment status. This is erroneous information, account was never late and never went to collections. The account was awaiting payment from XXXX and XXXX from a total loss. Santander was paid via settlement by me for the remaining balance on XX/XX/XXXX. Santander stated that they would remove account from all 3 credit bureaus file, once settlement was received. On XX/XX/XXXX, I spoke with XXXX, from escalated accounts and he stated it would take up to 30 days for the removal and credit files to be updated. He also informed that a letter of settlement would be sent stating account was paid and removed. As of XX/XX/XXXX, no letter. However, I did receive a 1099-C (  cancellation of debt ) for tax purposes. Once settled and receipt of cancellation of debt account should have been removed. Santander has refused to remove status of late payment and sent to collections. Again neither of those 2 referenced things applied to my account. I have reached out on several occasions, with no relief. Santander has been unrelenting through this whole ordeal. They have been nasty and rude. No one should experience the agony they have put me through. They are predators. This company needs to be put out of business for their unfair and unjust practices!
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I have received a solicitation to apply for a XXXX XXXX credit card, which I did. After I applied I got declined by Chase with the reason of having too many recent accounts that were opened. This caused me to get a new inquiry on my credit report. If CHASE was going to decline me knowing this information already, then they should not have solicited me to apply for the credit card.
Consumer complaint received 2018-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

On XX/XX/2018 I sent a letter to XXXX XXXX requesting them to provide documentation associated with this account bearing my signature. Since I havent heard from them I mailed another letter requesting the same information and still no response. This isnt my debt ; the name they are reporting to the credit bureau isnt spelled correctly and the address they are reporting I havent resided there in over 20 years. Ive provided the credit bureau with a copy of my driver license, social security card, and an up-to-date utility bill to verify who I am. I dont recognize this company nor have I ever heard of them until they started to report this fraudulent account.