davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Last week I spoke with comenity bank with corporate headquarters at XXXX XXXX XXXX, XXXX XXXX in XXXX Delaware, regarding a furniture payment and explained that I would make a payment online next week when I get paid. That was on XX/XX/22, todays date is XX/XX/22, I get paid this upcoming Friday XX/XX/22. They block their caller id frequently, and call from multiple numbers. Yesterday I received a total of XXXX phone calls, I believe this would be considered that they were harrassing me. Calling me multiple times in XXXX hour. The first call was XXXX on XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 from the number XXXX. The next call was at XXXX XX/XX/22 XXXX. The next call they blocked their caller id and called at XXXX XX/XX/22. The next call was at XXXX from the number XXXX. They blocked their caller id again when they called at XXXX and then again from a blocked caller id at XXXX on XX/XX/22. They called again at XXXX from the number XXXX on XX/XX/22. They called again from the number XXXX at XXXX on XX/XX/22. Then they called at XXXX from from the number XXXX on XX/XX/22. Today they called repeatedly from a blocked number. On XX/XX/22 I received a call from them at XXXX, then another at XXXX, and then again at XXXX. I explained to the first person I spoke to on XX/XX/22 that I don't appreciate them masking their caller id. It simply says " Unknown Caller ''. They never state that the call is being recorded, and when I asked the lady today she said it was not being recorded. I may be wrong, but I manage a call center for a dealership, we must record all inbound and outbound calls, and we must state on the onset of the call that it is being recorded. Without doing so, I believe they are in violation of FTC regulations. When I told her I knew the laws and that they were in violation because I manage a call center, she said " well then you should be able to pay your bills. '' I feel that was degrading, not sure if it violates anything though. I then repeatedly asked to speak to a supervisor, which she refused. It's not just XXXX person making these calls, but this particular lady was very disrespectful. I was so frustrated I ended up YELLING over her, she would not let me speak, and finally ended up cursing and then hanging up. calling XXXX in XXXX day is harrassing and abusive. Calling XXXX in XXXX hour is harrassing and abusive. I realize I missed a payment, but I explained when I would be making that payment and they continue with these incredibly upsetting and repeated calls. At the very least this violates the FDCPA
Consumer complaint received 2017-11-10
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: Commonwealth Financial Systems, Inc. (MD)

Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
Consumer complaint received 2017-09-14
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. (AL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3.XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX. XXXX- Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX- Inquiry from XX/XX/XXXX 15. XXXX XXXX- Inquiry from XX/XX/XXXX 16. XXXX XXXX- Inquiry from XX/XX/XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 19. XXXX XXXX- Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 23. XXXX XXXX- Inquiry from XX/XX/XXXX 24. XXXX XXXX- Inquiry from XX/XX/XXXX 25. XXXX XXXX- Inquiry from XX/XX/XXXX 26. XXXX- Inquiry from XX/XX/XXXX 27. XXXX XXXX- Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX- Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

On XX/XX/2021 SPS ( Select Portfolio Servicing ), XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX, misapplied my monthly payment to the principal of the loan. I have contacted this company on XXXX and subsequently on more than 5 occasions to resolve this issue. SPS refuses to resolve this issue and instead provides excuses, lies, and misdirection. 

SPS refuses to hold themselves fiduciarily responsible for my money and further refuses to correct a simple accounting issue.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (TX)

The collection company AFNI put a collection on my credit report it says XXXX is the original Creditor. 
The only thing I know is that I was at XXXX and a slick salesman talked to me about a TV service and got my information and when he explained what is was in detail I told him I did not want it and to cancel it. He said he wasn't allowed to cancel it. Then 2 days later a box arrived with some connection box came to my house. I immediately called XXXX and told them the story and told her not to charge me anything and to refund anything they had put on my credit card. She told me she would do that exactly and asked me to send the box back to them with the return label inside the box. 
10 minutes after I talked to the XXXX  representative I did exactly that and considered the infuriating issue to be settled. Now I was looking at my credit report to see why my FICO score had gone down and I found out that I had a collection from them on my report. This is fraud plain and simple starting with XXXX using fast talking salesmen to get you to take a service they offered.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed that my most recent credit report contains a late payment reported on XX/XX/2020 for my BANK OF AMERICA account. Because of my exceptional payment history over thelast 2 years, I would like you to consider removing the negative payment from my creditreport. At the time of the late payment, I was in the process of changing jobs. I say that notto justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that BANK OF AMERICA is willing to workwith me on erasing this mark from my credit reports.
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. (FL)

I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union (CA)

I am filing a complaint in regards to First Tech Federal Credit Union. I was referred to opened a checking account & saving account online on XX/XX/2020, and completed the deposit of {$250.00} on the same day and have maintained the required $ XXXX balance ever since per the terms of their their referral reward of {$100.00}. In the term, it says the reward will be deposited into the saving account within 30 days after maintain {$250.00} for 30 days, which should be deposited by XX/XX/XXXX in my case. However I have not received any reward as of today. I sent secure message to the bank 's customer service but the rep asked me to provide the full name of the referrer as well as their phone number or email. However, providing such information was not noted in the terms of bonus offer, thus this excuse should not be the reason they reject my reward. I am unable to provide the referrer 's information, but had I known it was required, would have obtained it from the beginning. I am seeking help on CFPB.
Consumer complaint received 2017-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Transunion out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Transunion is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!
Consumer complaint received 2020-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

Despite the fact that the CARES Act required that all student loans would be in forebearance and no payments would be required between XX/XX/2020, and XXXX XXXX, 2020, PHEAA/FedLoans autodebited a payment of {$870.00} from my student loan account on XX/XX/2020. I have written in twice requesting a refund ( once in early XXXX, and one on XX/XX/2020 ) and have not heard back on either occasion.
Consumer complaint received 2016-08-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

While applying for a modification on my XXXX home equity lines of credit, I was advised by the representative to not bother to pay my monthly payments because I could rest assured that I would be approved. This went on for over 2 months. I was ultimately denied the modification and reported to all XXXX credit bureaus as 2 months delinquent. I feel this record should be expunged. I have another outstanding complaint with the CFPB regarding the experience of the modification itself.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

Starting XXXX XXXX, 2016 I started incurring overdraft fees due to insufficient funds available in my checking account. Between the dates of XXXX XXXX and XXXX XXXX, I incurred a total of XXXX overdraft charges at $ XXXX/piece for a total of {$310.00}. My banking institution, Rabobank N.A. was processing transactions even though my checking account was " overdrawn ''. 
Rabobank has taken 2 positions on this 1 : ) They claim I authorized an " opt in '' process that allows the processing of debit transactions regardless of available funds. 2 : ) I previously signed up for " Savings-Checking Overdraft Protection '' where funds are automatically transferred from my savings account to my checking account should the latter have the potential of being overdrawn. 
On XXXX XXXX, 2016 I met with XXXX XXXX, a representative with Rabobank at the XXXX XXXX, CA branch. I asked that she provide me with all the documents I signed or initialed associated with the account ( s ) in question. She could NOT provide me with any documentation where I signed or initialed authorizing Rabobank to process transactions resulting in my account being overdrawn resulting in fees assessed. XXXX XXXX could not provide me documentation where I signed or initialed any kind of " Opt In '' process. In fact, her only response was that " I must have told someone I wanted the " Opt In '' process. '' That is a completely unacceptable answer in my opinion. 
During my visit with XXXX XXXX, I asked that she change the " Opt-in '' process to " Opt-Out '' as I do not want to incur any more overdraft fees and do not have any reservations with debit transactions being denied at the merchant terminal should funds not be available. XXXX XXXX assured me that she did make the appropriate changes as requested. 
On XXXX XXXX, 2016 I incurred another overdraft charge of {$35.00} as a result of the aforementioned " issue ''. The changes I requested were obviously not made. 

At this point I have incurred a total of XXXX overdraft fees at $ XXXX/ea. for a total of {$350.00}. I am requesting that all XXXX of these fees be returned, or credited, to my account as I did not authorize Rabobank to process debit transactions when funds are not available or what they call the " Opt-In '' process.
Consumer complaint received 2020-05-26
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. (OK)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I had a decrease in my salary last year because of my employment changing. My previous employer laid me off because of the company down sizing. I've requested a mortgage modification and submitted my financials several times to my mortgage servicer Caliber Home Loans.They have sent me 2 modification offer with trial payments plans. 1st-Trial payment plan for XX/XX/2018 gave me a payments but they were filing a private mortgage insurance claim in the amount of {$51000.00} per Customer Service Caliber Loans, at that time I was delinquent {$3300.00} why is Caliber filing a PMI claim in the amount of {$51000.00}. I filed a consumer complaint and resubmitted a modification request with financials to caliber. I received XXXX the 2nd Trial modification with the trial payments, I called Caliber Mortgage Customer service they stated hey were filing a private mortgage insurance claim in the amount of {$39000.00}. my mortgage is delinquent in the amount of {$9000.00}. Again why is Caliber mortgage filing a private mortgage insurance claim for that amount when I'm not delinquent for that amount. I want to pay my mortgage obligation but I don't want to be taken advantage of financially. See Attachments Please! Please! Please Help
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I am a XXXX XXXX. I have been part of the Public Service Loan Forgiveness program for many years. When I came out of XXXX  school in 2009 with a XXXX XXXX in XXXX XXXX I had about {$92000.00} in student debt. I have been a XXXX for these last ten years paying as much as I can a month. Over {$500.00} per month for the last several years, my wife is in the same boat. The amount of money we pay each month is close to {$1000.00}, like having another mortgage. This has kept us from purchasing a home, but we were willing to pay because we are so grateful for our education. I pay currently {$540.00} a month, which is less than the interest on the loan. I'd wager that I have paid between 25K and 35K in the last 10 years, but my loan ( originally XXXX ) is now XXXX. All that money paid and my total has only gone up ... XXXX XXXX dollars. The promise of forgiveness has kept me focus on working hard and paying, even though my balance each month goes up after I send them 100 's of dollars. 

To see now that others have completed the program but are being denied forgiveness is totally terrifying. I feel that we were all lied to, and that our future is in jeopardy. The Attorney General seems to be the most focused on this outrage of anyone in the country, and I feel very lucky to be a Massachusetts resident. I need your help, and would like the support of the CFPB to protect my family, and make sure that the promises were made to us over ten years ago are kept. 

We became XXXX to help make our communities better, we ignored the chances to make more money in order to give back, because we believe in public service, just like you who are reading this. The ability to be free from these debts after our 10 year commitment, and the chance to by ourselves a small house somewhere and get a dog should not be outrageous dreams that are unattainable. 

Please let me know what I need to do, and I will do it. And thank you so much for this chance to fight back and not be bullied by these crooks.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting erroneous debts on my credit file. I checked my credit and noticed this debt. I never received a call text or notice about this debt and that violates my 30 day right to dispute I called and paid these accounts immediately and tried to work with them to get this debt removed from my credit file and they would not budge. This is ridiculous. If I would of know if the debt I would have paid it immediately. I was never made aware of this debt and that is Express Recovery 's fault. They should of sent me a letter or at least called to let me know of this debt instead of adding it to my credit file. This account needs to be removed from my credit file. I do not owe that debt and they have violated my 30 day right to dispute. The least they can do is remove this debt after ruining my credit without warning.
Consumer complaint received 2019-06-06
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. (FL)

I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE XXXX AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Consumer complaint received 2017-09-11
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. (NC)

On XXXX XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XXXX/XXXX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as XXXX days past due. In XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XXXX/XXXX/XXXX. My accounts are still reporting as past due. On XXXX XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XXXX XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and Equifax again and they said it is XXXX updating a past due status because they corrected it on XXXX and on XXXX XXXX reported it late again.