davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (MN)

I have loans on 2 separate homes that were being serviced by XXXX XXXX XXXX. XXXX still retains the loans but sold the servicing to Midwest Loan Services. The servicing transferred in XXXX of XXXX and that is when the issues started. The original letter was almost like they were going to find a way to get you to pay late. ( I have zero late payments on many, many loans over the last decade ) The letter instructed you on how to mail in a check for payment. ( I don't use paper checks anymore ) I called to find an alternative payment arrangement and was on hold for an hour and when I reached someone they informed me that the loan wasn't in their system yet and to call back. 
Called back several times and was eventually able to get online with my 2 accounts and make a payment on each loan. ( the website and features seem to be from 20 years ago ) I then set up an autopayment. Assuming the autopayment would work and I didn't check that XXXX payments were taken and they weren't. I found out about this by calls from their collections area. A payment hadn't been taken on either of my 2 loans and they reported me late on 1 of the 2 loans ( why 1 of 2? ). I referenced the law that they shouldn't be reporting me late after a transfer of servicing for 90 days and they informed me it was only 60 days. I was able to talk to a supervisor in the collections group ( XXXX ext : XXXX ). XXXX was pleasant enough and was going to take care of things for me. I spoke to him on XX/XX/XXXX. Their system couldn't take 2 payments on each account the same day so I did a payment on each account and he said he would call me back the next day to take the second payment. No call. I called back 2 days later and XXXX said that he got busy. I then made the 2nd payment on both loans online while I was talking to XXXX. He said he would take care of the late payment on my credit since I tried to set it up autopay and their system didn't work. I asked him to cc me on correspondence with the department that was going to resolve it and nothing has ever been emailed to me. He then took all my information down to setup my auto payments on both accounts. Today is XX/XX/XXXX and no autopayments have been taken. 

I would like to be assured that their error on reporting me with a late payment is removed from my credit report and compensate me for the impact that it had to my credit. From my understanding, it never actually goes away once it is reported. I would also like to have my servicing of my loan moved to a company that have systems up to date with today 's technology. 

XXXX XXXX XXXX XXXX XXXX. Loan # XXXX XXXX. Loan # XXXX
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There appears to be an error in the reporting of an collections account with  XXXX   XXXX  on my credit report with No Balance and an  Open Status.   <P/> This is an error in reporting as per the FCRA and FDCPA guidelines.  <P/> Please remove the account immediately from my credit report.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XXXX XXXX XXXX NORDSTROM/TD BANK USA / XXXX XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

loged in to experian.com and request to dispute it and this message keeps coming up even after I have called to verify my identity : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I was on XXXX website on XX/XX/19 looking up tickets for XXXX to XXXX  and an American Express offer popped up that if I apply and get approved for the XXXX Skymiles card, I would get {$250.00} credit towards my ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$9100.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$9100.00} credit line and spent {$270.00} in first month and paid that {$270.00} amount in full within 30 days. I never received the {$250.00} XXXX XXXX credit that was advertised. There were no further communications from XXXX or American Express concerning my credit card or the rewards being sent or not sent. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. We were told the investigation # was Reference # XXXX / ID # XXXX. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$9100.00} to use for my XX/XX/19 XXXX  to XXXX ticket purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? Over and over again from the American Express support reps I was told that it was probably because of another XXXX or Amex credit card I had in the past that is why I'm ineligible for a bonus, I have never had a XXXX XXXX credit card and I have had two American Express cards, one was my XXXX American Express which XXXX ended because they switched to XXXX and abandoned Amex a couple years ago altogether, and the other American Express card I still hold. My credit is excellent, over 800. I should have been shown a " Denied '' message during the bonus offer when submitting the check for eligibility but it never did that and everything showed that it was approve. My welcome letter received on XX/XX/19 indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for the two airline tickets thinking I was getting credit when I could have bought with another airline for 25 % less. This is an example of bait-and-switch perpetrated by Amex and XXXX XXXX Amex are both profiting off of this scam.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MT)

I paid my account monthly like I always do in XXXX and XXXX to Victorias Secret comenity bank. I Received a payment reminder in XXXX that the account is current and the minimum payment is due. Everything on my statement said my account was current. I received a phone call XX/XX/XXXX stating I haven't made a payment since XXXX. The electronic correspondence said nothing being past due. I Called to find out what was going on and the payment I made in XXXX was trying to pull from a bank that was not mine. I have no affiliation with XXXX XXXX. Therefore I would not receive a phone call from my bank to let me know because this bank is not mine. If any problems happen with my bank, XXXX XXXX, I would be notified. The person who took my phone call also thought this was odd and probably a mistake on their behalf and was going to put it into a dispute status. She never filed. I called to find out status of the dispute and the gentleman said it was removed and they would credit a late payment. Went to check my report 15 days later and it was not removed. I submitted another dispute. At this moment I have tried to dispute this 3 times and this last time actually made my report worse? They removed the 60 days past due in the second dispute and it reappears on the status today. This is an error on comenity banks behalf and there was no correspondence That my account was late. All correspondence up to XXXX statement said the account was current. I want this off my credit report for I find no error on my behalf. I was told on the first dispute it would be removed. After it was not as promised I have disputed three times. I have been trying to work on this for almost 75 days! Please help!
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

I have recently sent in two certified letters to Lexis Nexis asking them verify how they got information on a bankruptcy that they are reporting to other bureaus they have yet to respond to either of my letter and according to fair act that is a violation and they have to delete the inaccurate information they are reporting if they can not provide a method of verification.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I recently flew on XXXX XXXX and they were offering a special on the AAdvantage Aviator Mastercard that included XXXX airline miles and waiving of the {$95.00} annual fee for the first year. 

I took the brochure from the flight attendant but didn't want to complete the application ( including my social security number ) and hand it back to the flight attendant so I went online at home and processed my application on their website which showed the same offer. The offer did not require the application to be completed on the plane and I confirmed that with the flight attendant. 

I received my card in the mail today and gained online access to my account. It immediately showed an annual fee of {$99.00} ( higher than the {$95.00} advertised ). I called Barclays to request removal of the fee ( per the offer I was given ) and they told me that I was not eligible to have the fee waived since I had not returned my application to the flight attendant. 

I explained that I was concerned about identify theft and didn't feel comfortable sharing a document with my social security number with the flight attendant and was told that was the only way to receive the offer. 

To summarize, Barclays AAdvantage Aviator Mastercard 's offer to waive the ( now increased ) {$99.00} annual fee is only available if you are willing to share a document with all your personal information with a flight attendant on an XXXX XXXX flight.
Consumer complaint received 2020-02-14
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. (NY)

After submitting a dispute challenge letter to Experian, about reporting account that has been deemed unverifiable, reporting inaccurately, and is in violation of FCRA rules and regulations and multiple violations Under the FDCPA. 

Account # XXXX ( XXXX/XXXX XXXX ) Currently still remains on my Experian credit report even though I asked identified the following violations and inaccuracies to Experian. 

( Please see attachment for further details ) : Unverifiable account balance, violation account must be deleted. 
: Unverifiable last date of activity on a closed charged-off collection account. Violation account must be deleted immediately. 
: Not reporting last date of payment. Violation account must be deleted immediately. 
: Not reporting last date account was updated or last status update. Violation account must be deleted immediately.
Consumer complaint received 2017-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc. (MA)

X/XX/17  Consumer finance had my vehicle repossessed. I was a month and a half behind on payments I do n't believe the vehicle should have been taken. I have n't heard from Consumer finance and when i did try to call i spoke with a  XXXX  and he kept hanging up on me. I asked him what i need to do to get my truck back and or to get my personal property and he said i can not it has already been put up for auction. He then hung up on me again. Again i have not received a phone call or letter about the next steps i need to take. This is why i called them. I am going to talk with a lawyer about getting my personal property back because it is illegal for you guys to take it. Please let me know what i can do. i am also contacting the attorney general and BBB. Thank you
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still those inaccurate item is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020
Consumer complaint received 2022-07-07
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)

The information you provided is different from other bureaus. This account is reporting late, in my XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (FL)

This is a response per my last complaint filed via CFPB. When I was disputing this charge, all of my information provided was not sent to you to update your records. Second, this account seems to be involved in some type of " court '' appearance via XXXX County Clerk of Courts and it is being handled by " XXXX XXXX XXXX XXXX XXXX '' doing business as XXXX XXXX and retained by XXXX, XXXX. 

I am disputing this account through XXXX because the last payment on this account was given on XX/XX/XXXX in the amount of {$500.00}. Therefore, on XX/XX/XXXX, it will reach the 5 years per statute of limitations. I never came into agreement of validating this debt nor of any agreement on a payment arrangement. If this account is being handled directly via XXXX XXXX XXXX XXXX, then why are you reporting it on my report under XXXX? That is considered DUPLICATE debt. Hunter Warfield is NOT listed on the statement of claim which was filed. On XX/XX/XXXX, I never entered into any agreement and I am requesting proof of this allegation ( signature ). 

I suggest you contact whoever you are partnered with and find the means to get this resolved because I find it unprofessional that this account is being duplicated and being attempted to being served in addresses that I do not live in.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

In XX/XX/XXXX I inherited several rental properties when my father died. All of these assets transferred to a trust, of which I am the trustee, when he passed. I qualified as executor of his estate. 

At this time I inherited a mortgage that was originally provided by XXXX XXXX XXXX In early XX/XX/XXXX XXXX XXXX XXXX  sold my mortgage to a company called Select Portfolio Servicing ( SPS ). Since XXXX XXXX I have been trying to gain access to this mortgage and account information. I have called and emailed SPS numerous times over the past months, providing any documents/information requested. I provided my letter of qualification as executor, my father 's death certificate, a copy of the signed trust, a copy of the signed will, and a certification of trust. SPS still insisted I send them a deed showing that the property had transferred to the trust, even though the property transferred to the trust when the will was recorded with the city. My lawyer drafted a deed of confirmation which we then recorded with the city and I sent the recorded copy of the deed of confirmation to SPS. At this point, SPS still insisted I could not be authorized to access the loan until I provided them with a " re-recorded deed showing the property had transferred to the trust. '' This is a document that does not exist. I have spoken with my lawyer throughout this whole process, and he has determined that at this point, given all of the information I have provided for SPS and the fact that they are requesting something that simply does not exist, that the only way forward is to file a lawsuit against them, as they are denying me access to this debt I owe, as executor of my father 's estate and trustee of his trust. I would very much like to not have to do that. 

As of today, Thursday XX/XX/XXXX, SPS has still not given me access to this mortgage. They are preventing me from acting in my role as executor of my father 's estate. They won't give me the account number or any other information regarding the loan. As a result, I am unable to make payments, and have been unable to make payments for months. Furthermore, I am in the process of selling this property, and without access to the mortgage account, I can not get a payoff quote.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for a credit card and was denied. Synchrony indicated they denied my application due to items listed on my credit report. These items should not have been used to deny me credit. it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Synchrony has violated my federally protected consumer rights.

1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

Dear American Express, I am writing to address the recent denial of credit that I experienced when applying for the Platinum Card with American Express. As a consumer and natural person, I am concerned about the adverse action taken, which appears to be in violation of the Equal Credit Opportunity Act ( ECOA ), codified in 15 U.S.C. 1691c. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received.

Under the ECOA, creditors are prohibited from discriminating against applicants based on factors such as race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program. Any adverse action taken against a consumer must be in compliance with these regulations. American Expressis in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Additionally, I am aware of the responsibilities outlined in 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002, which mandate that creditors act in good faith when processing credit applications. It is evident that despite my genuine application, credit was not issued as expected. 

Moreover, the unauthorized use of my social security number ( credit card ) without providing any benefit constitutes fraudulent activity. This is a serious matter that requires immediate attention and resolution from American Express. 

To resolve this matter amicably, I demand the following actions : 1.American Express must mail me the platinum card for which I applied to the address on this letter 2. The issued card must be placed in a " do not pay/do not collect '' status.

3. The credit card must be open-ended, allowing for unrestricted use once the issue is resolved. 

Furthermore, withholding my access to my securities constitutes securities fraud. As you have denied me access to my credit, I demand that you retract my application immediately. 

I urge American Express to undertake reasonable procedures to rectify this situation promptly and provide appropriate compensation for the unauthorized use of my credit card. 
Failure to address this matter satisfactorily will result in a federal lawsuit for securities fraud, including pursuing civil and criminal liability under applicable statutes, such as 15 U.S.C. 1681n and 15 U.S.C. 1681o. I reserve the right to seek all actual damages incurred as a result of this adverse action. I have also attached a copy of my credit denial as proof you have damaged me Please consider this letter as an initial attempt to resolve the issue amicably. I anticipate your prompt response to discuss a resolution to this matter. 

Thank you for your attention to this important matter. 

Sincerely, XXXX, XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (GA)

I was sent a debt collection letter from TriVerity , Inc. saying I owe {$14000.00}. as of XXXX XXXX. The loan was taken out with XXXX XXXX XXXX XXXX online XX/XX/21. Their office is in XXXX XXXX, Ga. The statement they sent me showed money being withdrawn as of XX/XX/21. Most of the transactions were NSF fees. I have been speaking with a Dispute Advisor for the collection agency. He told me to file a Police report first. I tried doing that, but I keep getting the " run a around. '' The address that the Credit Union has on file is not my address, neither is the phone number the impersonator has been calling from. They even have voice recordings.