davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (RI)

We have a BJs Wholesale Mastercard that is issued through Comenity Bank. We have carried a balance of around {$30000.00} for between XXXX to XXXX  years. We have struggled to pay it down but have not had any success. On XX/XX/XXXX this year we were contacted via phone by Comenity bank trying to collect an overdue payment. During the call we inquired through the representative we were speaking with about possibly receiving some debt relief. I have had my income reduced significantly by the XXXX XXXX XXXX I work for. Though the representative was unable to accommodate our request for debt relief she did offer to enroll us in a hardship program. The program allowed us to pay off our balance in 60 months without any interest. Our payment would be $ XXXX. We made our first payment over the phone that day and have made 2 additional payments in XXXX and XXXX through automatic withdrawals by Comenity bank from our checking account. Also as a condition of enrollment in the hardship program was that we had to close the BJs Wholesale Mastercard Account. 

On XX/XX/XXXX we received a letter from Comenity Bank dated XX/XX/2022 stating that they were unable to complete our request to enroll in the hardship program. The letter, which is attached, listed 7 reasons ( none of which applied to us ) as a reason we were not able to be enrolled. We were already enrolled as I detailed above and had made the payments we agreed to. Comenity Bank claimed that the reason we were being removed was due to BJs Wholesale club was discontinuing the program. We find it very suspect that now that interest rates charged by banks, have increased significantly, that the program was dropped. We could not get a clear answer if all the people in the program were being dropped or just select individuals like us. There was no offer or attempt to provide us with an alternate approach to pay off the balance. In addition we were told that we had a minimum payment of over {$1000.00} owed and that we would have to pay late charges on. The bank has made considerable money from the interest we have paid to date and now are making record profits it is criminal to force customers enrolled in hardship programs to return to paying the full inflated interest date. We are trying to paydown our balance off and the hardship program provided us a method to do so. Without the program we will have borrow money to pay off the balance. 

We did receive an initial letter confirming our enrollment in the program but I can not find at this time. I'm sure Comenity Bank can provide a copy.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX, concerning account ending # XXXX, XXXX sent an email saying they were reviewing my account and that they could reduce my credit limit if I did not make a {$XXXX} payment by XX/XX/XXXX. I called XXXX  on the XXXX, the same day I received the email, and the representative said that my credit line was being reviewed and a decision would not be made until XX/XX/XXXX. I immediately made a {$XXXX} payment. 

On XX/XX/XXXX, I called XXXX and learned from the representative that on XX/XX/XXXX, XXXX days after I had spoken with an XXXX  XXXX that my credit limit on this account had been reduced from {$XXXX} to {$XXXX}. In addition, the customer service representative I spoke with on the XXXX said a further reduction could be made in my credit limit if I did not pay {$XXXX}. He did not specify when. He did not reduce the amount requested by the {$XXXX} payment, though he acknowledged that XXXX received the payment. 

The XXXX Representative provided XXXX reason for the reduction in credit limit : FICO score. I did not authorize XXXX  to pull my credit. My credit has been frozen since the XXXX debacle. My FICO scores have not changed significantly in the last XXXX years ; most recently, they have improved.
Consumer complaint received 2022-04-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

Receivables Performance Mgmt. LLC is in violation of these ordinances enacted this year.

I have attached a copy of the record they sent me without a California license or a date of the last payment made. I have also attached a copy of a letter I sent requesting this info of which I have yet to receive.

Sec. 1 Section 1788.11 ( f ) Sending written or digital communication to the person that does not display the California license number of the collector in at least 12-point type.

SEC. 2. Section 1788.52 of the Civil Code is amended to read : 1788.52. ( a ) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information : ( 3 ) The date of default or the date of the last payment.

( 7 ) The California license number of the debt buyer.

( c ) A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt.

If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ).

This information was copied from : XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I'm XXXX XXXX, and my account ends in XXXX, and my social security ends in XXXX. A few weeks ago, I received XXXX of my last unemployment checks and apparently there was something wrong with it. Don't ask me how, but when I called Chime, I was told the that XXXX had written XXXX checks to XXXX separate individuals but using the SAME check number. I was told your AI figured this out and it never got to a human. I had had to go through my XXXX to get my unemployment started in the first place because they were failing miserably at their job. The XXXX insisted that I attempt again, because they were just sure they could not make a mistake. I attempted to redeposit and it was rejected again. In total, they insisted, through my XXXX XXXX assistant that I do this XXXX times, and apparently you have now denied me the ability to do mobile deposits. 

I had to complete some form to get a new check and send it through the XXXX XXXX office via email. After a week or XXXX, I was advised I needed to MAIL the form and the check in. 

I now have a new check, and I HAVE DIRECT DEPOSIT ( see my social security check in the amount of {$1600.00} deposited by XXXX XXXX XX/XX/XXXX. I would like this service back. I am almost XXXX and am XXXX and can not stand in a XXXX line for great lengths of time. I like Chime but if I have no way to cash my checks that come in, it is pointless to use Chime as my bank. You can clearly see from the back of the check that the XXXX insisted I continue to redeposit this check. 

Please reinstate my mobile deposit. Currently, I have XXXX broken ribs and a fractured hip and have nobody to drive me, nor any money because you won't allow me to deposit it. I'd appreciate your assistance. You can also write to : XXXX at XXXX XXXX 's office for verification that I am telling the truth. Your cooperation would be appreciated. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-13
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. (WI)

i disputed a late payment on. my experian report the dispute was for an XXXX XXXX XXXX account after investigation that took place the same late payments was on my credit report and it is a closed case XX/XX/XXXX XXXX and the case was paid by in full for less the bill. after the exact decision was made my XXXX XXXX dropped XXXX points.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the F.C.R.A XXXX  account number XXXX violated the law. According to 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions, I did not give anyone written instructions
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX A, has violated my rights. 

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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alpha Recovery Corp (MA)

On XX/XX/2018 while at work, I received two calls from a gentleman at Alpha Recovery Corp in XXXX, CO at work. He also dialed a colleague at my place of work and requested to speak with my manager or supervisor. This gentleman also called my cell phone repeatedly the very same morning. When I finally got to my desk and answered his harassing calls, he would not tell me where he was calling from he simply stated " XXXX '' and was asking me to verify my husband 's information. When he called MY place of business he actually asked for my husband who does not even work here. I asked him kindly to remove my work telephone number from his records, which he did not say he would. I then I asked him to send us documentation of what he was looking for and he said that he would not. I feel as though he had a very argumentative/threatening nature right off the bat and by calling colleagues asking to speak my supervisor and Human Resources for my HUSBAND who does not work here. It's a tactic used to intimidate.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

Date- XX/XX/2022 Creditor- velocity investments, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} Total amount owed- {$1600.00} I would like this to go away I never had debt and I did not ever apply to none of these businesses. I don't know what this is but it is not me
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

On XX/XX/XXXX, I received an email from Roundpoint reporting the mortgage company had made an error on client 's XXXX XXXX form and that the corrections would be posted by XXXX. At this point I had already filed my taxes through my tax advisor. 

I called and wrote an email asking Roundpoint how and if clients would be compensated for any fee charged by a tax advisor for the amended documents since I had already filed my taxes and since any fee incurred at this point would be a direct result of Roundpoints error. 

On XX/XX/XXXX, I received an email stating that Roundpoint had mailed the corrected form ( as of XX/XX/XXXX it has still not been received, though it is posted on Roundpoints web portal ). I was also finally contacted by Roundpoint and spoke with " XXXX '' of the " customer advocacy department '' who informed me that Roundpoint would not reimburse clients for any fees charged by their tax advisors since we could " file free '' through the IRA. He added that Roundpoint 's only responsibility was to provide the corrected form before the tax deadline. I hired a tax advisor so my taxes could be completed correctly and was now being told by the company that was directly responsible for the problem, that THEIR error ( which is costing me not just money, but time ), is my problem. 

Roundpoints gross miscalculation has also led to my owing money to the IRS which I have to now budget for.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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.

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.
Consumer complaint received 2022-04-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX loan # XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated XXXX " XXXX XXXX XXXX XXXX  verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the XXXX days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

Complaint Target XXXX XXXX XXXX  : Creditor : TD BANK XXXX, XXXX. C/O XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00}, and any other amounts due thereunder.was paid however the agreed obligation to file removal from supreme court Lien has not been honored and its been 6 years and several requests and promises that this would be done. This has caused financial harm with title reports showing this false debt Lien.
Consumer complaint received 2022-04-13
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. (NY)

I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquiries removed from my credit report.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage servicer ( Loancare , LLC, or XXXX XXXX  XXXX, it appears that XXXX is a XXXX of the other ) acquired my loan in XX/XX/2021. Under the terms of my mortgage, the lender requires XXXX XXXX insurance, and pays the premium out of an escrow account ; no other expenses are paid out of escrow. 

Loancare notified me in a letter dated XXXX XXXX ( but received XXXX XXXX ) that they had no record of my XXXX XXXX insurance policy and intended to purchase force-placed insurance on my behalf. This was odd, since the previous lender they bought the mortgage of had been satisfied with the policy. Loancare directed me to a web form to upload my declarations page, which I did on XXXX XXXX. I did not receive the promised confirmation email, so I called them on XXXX XXXX. They had managed to lose my submission, but I got them to call my insurance company and confirm policy details. They confirmed verbally that the policy was sufficient, and then confirmed it in writing in a letter dated XXXX XXXX. 

Meanwhile, around XXXX XXXX, my insurance agency sent Loancare a policy renewal notice for the policy expiring XXXX XXXX. ( They also sent me a copy of the notice. ) So you can imagine my surprise when, in a letter dated XXXX XXXX ( but received XXXX XXXX ), Loancare informed me that my flood hazard insurance had expired, and they intended to purchase force-placed insurance on my behalf. 

I served Loancare with a formal Notice Of Error under XXXX C.F.R. XXXX, insisting that they perform their duties under the terms of the loan and restore my insurance policy using the money they've been collecting for that purpose and that purpose only. Given that the last time I had to go back and forth with them didn't seem to fix the problem, I am not hopeful and am looking into legal counsel, because this sure feels like they're dead-set on selling me insurance. 

Strangely, my XXXX  carrier informed me on XXXX XXXX ( as I was drafting this complaint ) that they received payment from Loancare on XXXX XXXX, which makes this threatening and errant letter from Loancare dated XXXX XXXX all the more suspicious. 

Broadly speaking, Loancare 's left hand does not appear to have any idea what Loancare 's right hand is doing, and I wish I as a consumer had some choice in servicer -- but I don't, since my mortgage can be freely sold. 

Letters threatening to buy force-placed insurance on behalf of a borrower should not be sent lightly.
Consumer complaint received 2022-04-13
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. (NY)

in the section of closed credit accounts they have incorrect information on my former XXXX account Experian keeps reporting charge-off as of XX/XX/XXXX which was actually charged off in XXXX of XXXX and also due to the law of an act of a written contract in new york it's over 6 years so contract is nulled voided and expired, so therefore by consumer and USA laws Experian has to remove it off my credit report asap. once again they didn't provide any evidence and ignored me as I previously disputed this account. Please prosecute them to the fullest extent of the law which they continue to illegally break ruin citizens and residents lives.
Consumer complaint received 2019-10-10
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. (TX)

I have written to Equifax 3 times regarding this matter and they still have not corrected the problem and this issue is affecting my credit. I am in the process of refinancing my current auto loan and it is not being approved because of a past auto loan that was paid in full since XXXX, but showing open with Equifax. Equifax is currently reporting this account as open and with a monthly payment of {$380.00} which is not accurate. I don't know what else to do and I am very frustrated with this issue and need your help. I need Equifax to correct this issue as soon possible. I have attached copies that XXXX XXXX  provided showing the account has been closed with NO MONTHLY payment. Thanks.