davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

Dear CFBP I am filing a complaint against One Main for failing to correct incorrect credit reporting. I have two accounts with erroneous information reporting, for account number XXXX One Main is reporting late payments in XX/XX/XXXX and XX/XX/XXXX. I have sent letters and even got proof of payment was remitted electronically before the due date from my bank with amounts and dates still One Main has not corrected the error. My second account XXXX is reporting that late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I got my bank to issue proof that payment was remitted electronically before the due date of the XXXX. Still One Main had failed to fix this account. I am requesting that the months in question for both accounts be corrected to paid as agreed immediately for all three credit bureaus. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I recently received my XXXX XXXX credit card statement issued by Comenity. On there was an interest charge of {$2.00}, My previous statement was paid in full on or before the due date, as has every statement I have ever had from XXXX XXXX. I contacted XXXX XXXX by phone and was first advised there was a television purchase on my account, and I told them there was not. Then I was advised I had purchased tires within the last six months, which I had indeed done, but I reminded them that I had paid that amount in full on the next statement. They then told be there was a promotional plan that recently ended in XX/XX/XXXX, but I told her that did not apply to me. She then told me it was a system issue that should be updated, and that programming was aware of the problem. I AM INFORMING YOU OF THIS PROBLEM SO THAT THE MILLIONS OF XXXX XXXX  CREDIT CARD HOLDERS ARE NOT INCORRECTLY CHARGED FEES THAT THEY SHOULD NOT BE PAYING. Comenity Capital Bank needs to be held accountable for this mistake. Thank you.
Consumer complaint received 2023-01-13
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. (TN)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX  in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from XXXX XXXX  are present on my credit report. 

I've gone to XXXX personally with my neighbor to get assistance with the error. XXXX refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
XXXX XXXX refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from XXXX XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
Thank you.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

During XX/XX/XXXX, I applied for a mortgage with TIAA Bank. My home was under construction and was expected to close in XXXX. I paid for a 6 month lock {$3300.00} with the promise it would be refunded at closing and also applied under the REST program at TIAA. 

XX/XX/XXXX, I received notification that my loan was now under a new loan officer. Loan officer XXXX XXXX, was unable to provide information on the existing REST program as well as financial information regarding loan. 

Closing was set for XX/XX/XXXX, repeated calls and emails to XXXX went unanswered regarding status of loan approval. Up until XX/XX/XXXX, ten days before closing, I had no closing information or approval or any sense of the status of the loan. 

I believe TIAA had no intention of closing the loan and now is refusing to refund the {$3300.00} that I paid in good faith. 

The main call line leaves message for XXXX and his manager but no information is forthcoming regarding the status of my request. 

I believe the retail mortgage spin off was a fraud and there was never any intention of closing my loan.
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (NJ)

I borrowed money to complete an expensive purchase of a pet for my daughter! 

They took application at the pet store. 

They let me have {$1800.00} loan They said I could pay loan in 90 days without penalty or interest. 

I tried to pay the loan and they said that I missed 2 payments so the loan went into default and that I owed almost twice the amount of original loan in fees and interest! 

I contacted them and they insisted that I owed the money ; and that I could do nothing! 

Now they have another entity trying to collect the debt and in less than 14 months the debt has been reported to 2 of the credit agencies as over {$5000.00} They reported several times with variations to account number and totally different dollar amounts so the agency has lowered credit scores over 100points because of multiple violations or debts. 

The agency reporting the debt has not verified the debt and its been over 65 days since we requested proof or verification of debt. The companies name is DUVERA FINANCIAL.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (NV)

I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC ) plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$120.00}
Consumer complaint received 2021-07-22
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. (FL)

I ask you to remove and delete forever the accounts that are not mine. I am very XXXX became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (NV)

My name is XXXX XXXX DRS ( direct recovery service ) left a voicemail on my sisters phone without my permission which disclosed my personal information without my consent! The first time I called back XXXX answered I asked for the name of the company he refused to tell me and hung up in my face I never even got to what debt they were calling in regards to I was so upset theyre disclosing my information on voicemail!!
Consumer complaint received 2019-09-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a dispute letter via certified mail to have the XXXX XXXX  account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.
Consumer complaint received 2023-01-13
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
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. (TX)

As of XX/XX/XXXX XXXX  XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX   XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Consumer complaint received 2019-07-18
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. (TX)

As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Consumer complaint received 2019-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (CO)

XXXX XXXX of Fairway Independent has been unresponsive for months and made it difficult for me to get clarification on questions I have regarding the refinance. After contacting multiple people and expressing my frustration I finally got a few answers to questions I had. I was then directed by XXXX to skip my XXXX payment and that wed close the first week of XXXX. My refinance happened and I have received a late payment notification and threat from XXXX if the mortgage is not paid. I reached out to XXXX for clarification and have been ignored. He is now messing with my finances and credit. This is unacceptable. I have contacted him weekly since XX/XX/XXXX and received zero response.
Consumer complaint received 2022-10-06
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/19, I called to cancel my Bank of America credit card and to get a refund the annual fee associated with that card. When the card was cancelled, I was told that I would receive a bill for the amount due, and that it should have the fee refunded. However, I have checked multiple times, including calling, and the fee has not been refunded, nor have I received a final bill. I have tried to call again today XX/XX/19, and they have told me that the fee can not be refunded since the account is closed. I feel baited and switched, and all I want is for the fee to be refunded. It is customary by Bank of America to refund the annual fee if the card is cancelled within 30 days, and this is what I attempted to do. The account can not be reopened, and thus I have paid an annual fee for a card I do not possess.
Consumer complaint received 2019-07-18
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. (AR)

I have a trade line XXXX/XXXX on my credit bureau report. This account reported 30 days late in error. In response I contacted the XXXX XXXX, filed a complaint with CFPB, and filed disputes with all the major credit bureaus. While the disputes were pending, XXXX XXXX processed the correction to the CBR to show the account was never late. Experian and the others ( XXXX XXXX and XXXX  ) updated the file to show that the account was current. A few days later the dispute from experian concluded and they changed the account from current back to 30 days late. I have been trying to correct this with them to no avail. My score has dropped 100 points and I am we are in the process of trying to buy a home. This is causing real damage and needs to be corrected immediately.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NV)

The complaint is against American Express, namely an American Express " Blue Cash '' account, a joint account between my wife and I. We had set up an automatic payment of $ XXXX/mo to the account. On XX/XX/2019, this payment was made to American Express, then on XX/XX/2019, TWO MORE {$200.00} withdrawals were made to our checking account, for a total of an additional {$400.00}. Upon noticing this, we immediately contacted the company customer service, and on XX/XX/2019, they refunded ONE of the additional {$200.00} debits. We asked when we could expect the 2nd refund and were told it would have to come by check and an inquiry would be started. Since then we have called American Express customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX.

Each time the customer service rep was very sorry this happened, and would add ANOTHER inquiry, which when we checked the website, were closed. Also each rep seemed to have a different answer on whether we would get a check or they would deposit the remaining {$200.00} back in our account. Each rep was asked WHY the initial {$200.00} that was taken on XX/XX/2019 could be refunded to us basically TWO DAYS LATER on XX/XX/2019, via deposit to our checking account and WHY are we still looking for the second {$200.00} OVER TWO MONTHS LATER? NONE had any kind of an answer to this. The inquirys that have been placed for this problem up until the last one ( XX/XX/XXXX ) were closed with no apparent action. Also all of them, up to the last two had " Ticket/Merchandise not recieved '', which, to us, meant nothing. The last two inquiries, XX/XX/XXXX and XX/XX/XXXX, at LEAST showed " Credit Balance Refund '' BUT the XX/XX/XXXX one was closed without any action apparent to us.

BOTTOM LINE : We have been led on a merry chase with American Express and since we are retired and living on a fixed income, for this company to take our regular payment then take TWO ADDITIONAL " payments '', is unconcionable. Needless to say we no longer allow them to take payments monthly from our account.

Thank you, XXXX  and XXXX   XXXX  XXXX NOTE : Account Number/Inquiry Numbers available on request..
Consumer complaint received 2019-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

RE : XX/XX/2019 CFPB complaint # XXXX-XXXX and subsequent XX/XX/2019 application for SPS RMA program. 

I received a letter from SPS dated XX/XX/19 ( today XX/XX/19 ) explaining that XXXX   XXXX actually owns my mortgage account not SPS? 

SPS also is sending account verification documents which is not the subject of my CFPB complaint. The essence of this CFPB complaint is germane to my SPS mortgage payment was that : ID Theft activity left me unable to make my monthly payments putting me 2 - 3 months behind with all of my current creditors. 

And the SPS relationship managers e.g., XXXX XXXX were calling demanding payments after I explained my circumstances e.g., ID Theft ( no money in the bank ). 

And to explain that I am in the process of working with those creditors including SPS ( Legacy Mortgage ) for payment arrangements ( RMA ) while I wait for whether or not XXXX investigators finds the person ( s ) that seems to have unfettered access to my XXXX accounts using PII?
Consumer complaint received 2015-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: CAINE & WEINER COMPANY, INC. (AZ)

I had a student loan in XXXX back in the XXXX 's. The loan was paid in full more than 25 years ago. XXXX which is the loan agency in XXXX still claim that I owe them money. I have sent them letters in the past disputing the debt. They are now hiring Caine & Weiner in the XXXX to try to collect the non existent debt. I have sent Caine & Weiner a letter dated XX/XX/XXXX and asked them for verification of the debt and for them to not contact me anymore except for the verification. I have not received any verification of the debt. Now XX/XX/XXXX they called me and told me that I am in collection for the non existent debt from XXXX. XXXX from Caine & Weiner told me that this was a different debt from the same " XXXX '' client.
Consumer complaint received 2019-07-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We are having a very difficult time with Bank of America. We have been trying for over a month to get a simple resolution to a 12 year old discharged 2nd lien. We have placed over 4 request for a for either a lien release or a point of contact to resolve the debt through an active short sale. Every time we call in we get the same problem. The rep tells us the lien release was declined, but can never help us after that. We get transferred to somebody else who has no idea what we're talking about, or they just disconnect on us, aka hang up. This lien is so old, BoA originally told us they sold it to XXXXXXXX. When we contacted XXXX  they told us they have no record of it. We asked 3 times to make sure. BofA finally found the lien in the Purge Lien Dept. It is in this department because it is so OLD. This is originally a Countrywide 2nd lien, that was part of the principle reduction that came out of the California District Attorney lawsuit. The lien was discharge and forgotten about by XXXX XXXX, and BofA, but never released on title.
Consumer complaint received 2019-07-18
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: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX 2019 my PayPal credit Card was charge for a purchase I made at XXXX and XXXX online. I received the merchandise ( a dress ). I tried it on and it didnt fit nor did I like the clingy material. Very inappropriate for a XXXX year old woman. I had the dress on for less than a minute and put it back in the original plastic package all tags on and shipped it back to XXXX and XXXX. Today, I receive a box from XXXX and XXXX with the dress inside and a form letter indicating that the dress was unsalable. When I called the store the service representative indicated that it was the warehouse decision and there hands were tied and that the dress was mine to keep. 

This is the most outrageous, openly fraudulent activity I have experienced. I never wore the dress and had it on for less than a minute. I know that XXXX and XXXX has closed many stores and are suffering financially, but to cheat consumers isnt the way to keep business going.