davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I made a purchase in XXXX using the XXXX credit card issued with Comenity Bank in XX/XX/2021. I am signed up for e-bills and have never had an issue for years. A few days ago I noticed my credit score dropped from XXXX to XXXX and checked my report. Its been reported that I missed payments to this card 3 months in a row. When I went online to the account, a warning message appeared that they are having trouble with their system and it will not allow them to send me an email to my account. The email they had on file is correct and working fine, that is how I receive all my other bills and communications. For an {$80.00} charge, they added approx {$70.00} in late fees and interest for which I paid in full immediately. I have been out of the country due to coronavirus but I never received a call, email or text message letting me know about this. They have closed my account so I can not dispute any of this. This was an IT error on their part and I just dont want my score to be negatively affected because of their system issues. They are not willing to resolve this. I have never missed a payment and would not have missed these if they sent me an email, text or tried to call me about this issue.
Consumer complaint received 2021-04-09
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: Io, Inc. (VA)

I am filling this CFPB complaint against RECEIVABLE MANAGEMENT since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to RECEIVABLE MANAGEMENT regarding my dispute but I also wanted to make sure that my concern will be solved once and for all. The concerned account is REC MGM SYS ( Original Creditor : PATIENT FIRST ) XXXX This account started to show in my credit file in XX/XX/XXXX and I have been disputing this account ever since. But after a few attemps, this was removed from my XXXX and XXXX credit report. Now that this account is only reporting in XXXX  and I don't know how they continue to report this account as verified. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same company and account number so how can the balance be changed if you are claiming the account as verified as accurate? 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by RECEIVABLE MANAGEMENT for this account to end up to the balance of {$920.00}. 
3. This account is reporting as fully verified then how did the balance change to {$300.00} on the recent credit report? No date of last payment reported in this account so please verify and validate why the balance that ends up now is {$300.00}?

4. This account was acclaimed by RECEIVABLE MANAGEMENT in XX/XX/XXXXand I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
I am attaching the screenshot of how this account is reporting in my credit report and how they continue to report this despite all the inaccuracies. RECEIVABLE MANAGEMENT and its continued report in XXXX is a big mistake. And I need it to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

I let my boyfriend make a payment from my acct for his vehicle and due to his bankruptcy following month he cancellwd his payment arraignment with GM financial and turned the car over to GM. GM didnt cancel the payment and day they took car they withdrew pmnt from my acct which only money that comes into acct is my federal XXXX pmnt and daughters money. I tried speaking with them they refused to return and my bank tried to refuse payment when it occurred but couldnt. Ive tried to discuss with them but they tell me i have no relation to acct and hang up on me yet they withdrew funds from my acct that has only my XXXX dsposit. Very rude unable to discuss with them. Told me bring my BF to court then?!
Consumer complaint received 2021-11-02
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: GOLDMAN SACHS BANK USA (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GS BANK USA ( Account # XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OR)

XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full with different address than XX/XX/XXXX XX/XX/XXXX I received email stating account has been paid in full XX/XX/XXXX I received email stating account has been paid in full Never have received any validation of the debt or any signed contracts from myself and the collection agency, or from the original creditor, XXXX.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've disputed the Bankruptcy on my Trans union report that still reflects on my report Dated XX/XX/2016 multiple time and will continue to do so. My last response from trans union was that it was verified by XXXX XXXX XXXX TEXAS. I have spoke with the courts and they do not provide such information nor have i had a bankruptcy neither XXXX nor XXXX reports this attached is supporting documentation from the court. I ask you to please remove this from my report immediately. Thanks
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

We are a XXXX based company. On XXXX XXXX, 2020, we made a wire transfer to our US based partner company for payment of an invoice. Their bank is Wells Fargo. The wire transfer was sent and on XXXX XXXX, 2020, we were advised that our partner did not receive the funds. We realized the account number was incorrect on the wire transfer, so we immediately went to our bank, XXXX, and advised them. They immediately put a stop on the transaction even though it was several weeks later. In looking at the wire transfer information, the account number did not match the payee company information. When this information does not match, the policy of all receiving banks is to hold and return the funds to the originating bank and a new corrected wire transfer submitted. All details on cheques, drafts, money orders, wire transfers, etc. must be accurate and match before a deposit can be completed. In the past, we have had payments to US based suppliers and payments from US based customers held and returned due to inaccurate information on bank drafts and wire transfers. This causes delays and is inconvenient but necessary and understandable to maintain the integrity of the international banking systems. 

I contacted Wells Fargo to talk to them and was advised that they could not speak with me because I was not their client. I asked my partner company that was the client, to speak with Wells Fargo, and they were advised they could not speak with them either and Wells Fargo would only speak with the originating bank ( XXXX ). We spoke with our bank, XXXX, and they have been trying to get the money returned to our account but Wells Fargo are not co-operating. We believe the money was deposited to the erroneous account which is against bank policies and Wells Fargo is trying to hide their negligence. The amount is {$79000.00}. This is a large amount and an international transfer over {$10000.00} in value. We were under the impression that all amounts over {$10000.00} entering the US were required to be scrutinized for fraud and to prevent money laundering. These simple bank procedures were either not performed by Wells Fargo and our money has not been returned to XXXX for us to send a corrected wire transfer.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Please forgive me, however, these documents would not open to be submitted with COMPLAINT XXXX filed about 2 hours ago.

Uncertain IF it was your system ( as this has happened on prior occasion ) or IF my computer. 

However, these are an extension of the above referenced complaint. 

Thank you for understanding XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

paypal which is owned by XXXX  refuses to honor the policy and aggreement between XXXX and myself which which states that a seller 's payments for goods and services sold through the the XXXX  platform in which paypal collects the proceeds from the sell shall only be subject for a mandatory 21 day hold for 90 days. Once the seller has been an active seller for 90 days, the seller shall have immediate access to funds from sales made on the XXXX platform held in the paypal 's seller account.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I previously contacted you about this situation. XXXX from Credit Acceptance advised me to call them and that the problem with the extended warranty cost will be refunded against my loan. I just contacted credit acceptance and they have no idea what I am talking about. I would like this taken care of and the derotogatory marks on the credit report removed. I need to get this done. Thank you
Consumer complaint received 2020-12-10
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)

I'm trying to dispute items that don't belong to me Experian refuses too help unless I sign up for there membership they want me too keep resending the same info such as driver license SSN proof of residence which I have sent now there telling me that ii can't dispute anything unless I sign up for there monthly membership.
Consumer complaint received 2020-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

Im concerned that the lack of communication with PHH Mortgage Services, which is placing my residence at risk for foreclosure. I was behind two months prior to COVID-19. I reached out to the lender for forbearance as recommended by financial experts as a result of COVID-19. I received an email, dated XX/XX/XXXX, which appeared to indicate that my forbearance request had been approved. I sent two months ( XXXX & XX/XX/XXXX ) payments with the stimulus money I received via bill pay through my bank. However, the payments were returned by the lender. I have been unable to access the mortgage account online. Im also pursuing unemployment benefits and am awaiting payments. 

I spoke with two representatives, on XX/XX/XXXX, in an attempt to get answers to my concerns. The first agent ( XXXX XXXX was unable to answer my questions regarding why my payments were returned and the deferred balance that is represented on the monthly statement for XX/XX/XXXX. Acknowledging that she was unable to answer my questions she transferred me to her supervisor, XXXX ( Agent XXXX ), who informed me that the payments were not accepted because of a Notice of Intent, which he explained to me the meaning. I explained to him that I had not received a Notice of Intent and the decision I received from the mortgage company informing me that the forbearance request had been accepted. He assured me that he would email the Notice of Intent, which I have yet to receive. He also advised me that the forbearance was not approved. We also discussed the Deferred balance that is reflecting on the account which is close to the cancellation of debt ( XXXX ) by Ocwen which PHH Mortgage Services is a subsidiary. This account was included in a lawsuit filed against Ocwen for failing to process a loan modification request. His response was the regular principal balance and the deferred principal balance equals the outstanding principal balance on the account. Im not sure if Im being charged an interest rate for both balances as opposed to the one outstanding balance.
Consumer complaint received 2019-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I had three loans particular loan with Sallie Mae. 

The disbursement date, per Navient is XX/XX/XXXX. 
Loan 2 was sold to an unknown servicer on or about XX/XX/XXXX and the amount was {$17000.00}. 

I elected to pay interest -- and did pay interest -- while in college. 

Navient charged {$4500.00} in capitalized interest on XX/XX/XXXX. 

The sum of those two XXXX. 

The loan was again sold, increasing the principal amount to {$23000.00}. 

Today, the account balance is {$18000.00}, in excess of the original principal, {$17000.00}. 

It is not known what the loan balance would be, accounting for payments and interest had the servicer not miscalculated. 

I kindly request your assistance.
Consumer complaint received 2023-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I requested a copy of my credit report and I noticed that I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters last XX/XX/XXXX and XX/XX/2022 and received no response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

After reviewing my credit report I found a collections on my report from IC Systems Inc. The original debt that was stated on my report was from XXXX XXXX. I have never had an account with XXXX XXXX. My mailbox was broken into several times over the last 5 years. This account was open fraudulently and I contacted the collections agency several times to delete this from my credit reports. The collections agency has not delete this account yet. This is not my debt and I have never had an XXXX XXXX  account and want this collections deleted ASAP.
Consumer complaint received 2018-10-02
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: Consumer Portfolio Services, Inc. (NC)

This company has obtained my credit report without my consent and for no legal reason. The credit reporting agent on the phone even agreed with me. This was a recorded call and can be verified once the company provides the recording. That he was unaware as to why his company will pull my credit because he was told they pulled my credit to obtain contact information. This is untrue because just a couple weeks ago I updated and verified my contact information with this company. Lastly they pulled my credit to obtain the same contact information that I gave them a couple weeks ago and did not even use this information. The company did not call me or contact me once they pulled credit. So why did they pull credit. What legal reason do you have to pull credit. Now I am terrified that you are pulling credit to obtain information that was given to you because you lost my information which now I am scared that my private information is out there for all to see.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TN)

Requested mortgage assistance for several months and submitted financials and other documents several times. I call to follow up with the process and I've being given the run around with this stating they have not received documents on numerous times and now my up is up for a property foreclosure sale. I been working with my mortgage company for over one year. Recently I mailed the assumption package with my financials since I was told numerous times they never received my request. The mortgage company is giving me the run around and I need Help!!!
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

I opened my BMO Harris checking account on XX/XX/XXXX. I was to receive a {$500.00} bonus if I met the following criteria : " Get a {$500.00} bonus when you open a new BMO Harris XXXX  account and have a cumulative total of {$7500.00} in qualifying direct deposits within 90 days of opening. Bonus is paid approximately 100 days after opening ''. 
On XX/XX/XXXX a qualifying direct deposit in the amount of {$8000.00} was made to my account. On XX/XX/XXXX, 100 days had been met. I very clearly met the requirements, but it has now been over 110 days since account opening and the {$500.00} bonus has not been paid out. I reached out the BMO Harris through phone and messenger in the app and received the following response. " Upon review, I do not see that the requirements have been met, the tracking window for the promotion ended on XX/XX/XXXX. I did not find at least {$7500.00} in qualifying direct deposits. '' Clearly BMO Harris just does not want to keep it's legal obligation and pay me my {$500.00} bonus.
Consumer complaint received 2020-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have requested several times to Lakeview Loan Servicing to have my Escrow payment adjusted due to having a XXXX veteran exemption on my property. I am currently paying $ XXXXmonth of escrow based on an elevated tax bill that does not apply to me since I have been able to put my XXXX veteran exemption in and it was effective immediately. The latest bill that I received for the month of XX/XX/2020 was {$800.00} for the year which has been submitted to the company. My annual property insurance bill is only $ XXXXyear which is correct on their website. I am requesting an adjustment to the rates that are actually in place. I have spoken with at least 3 or 4 different people since XX/XX/2020 to make these adjustments along with submissions through the website. Please reach out to me if anything else is needed. Thank you.
Consumer complaint received 2023-03-24
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. (FL)

I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (MN)

The Huntington National Bank and its Recovery Department in XXXX, Ohio have maliciously sabotaged efforts to repay the new agreement amount of {$1.00}, XXXX since XXXX XXXX, 2020. My monthly payments to XXXX XXXX XXXX XXXX XXXX are missing and inaccurately being reported to credit bureaus since XX/XX/2020 to Present. Regarding a dispute, since there is not a fixed amount due each month or a specific due date ... there recovery department reported my XX/XX/2020 payment as " LATE '' to one of the credit reporting bureaus maliciously damaging my credit report! 
Huntington National Bank heinously reported to XXXX  Credit Bureau in XX/XX/2020 that I owe and have a balance of {$40.00}, XXXX damaging my credit report ( s ) intentionally. I have tried since XXXX, XXXX, XXXX and XXXX to remove these inaccuracies but Huntington National Bank - XXXX XXXX Customer  Research has continued to give over this false information. The Fraud Department of my 3 credit reporting bureaus are wanting a Police Report in these ongoing investigations to have these lies removed from my reports.
Consumer complaint received 2020-08-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}