davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I submitted an application to the California Mortgage Relief Program on XX/XX/XXXX for mortgage payment assistance. 

I spoke with a XXXX agent today, XX/XX/XXXX, and she said they have been waiting weeks for information from my mortgage servicer Select Portfolio Servicing ( SPS ) to complete the application. 

They are ready to pay the mortgage. SPS is ignoring their result and holding up the payment process. 

I sent a certified letter to SPS right after submitting the application. 
SPS is fully aware that I applied for mortgage assistance and had an excellent chance to be approved. 

Instead of responding to California Mortgage Relief 's request they filed to put my house for sale dated XX/XX/XXXX with a sale date of XX/XX/XXXX. 

I have received so many notices, calls and texts as a result of the SPS filing that is basically harassment from lenders, and real agents. 

Thank you for help with getting SPS to follow through with completing the process and saving my home from foreclosure.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service ()

I received a statement, dated XXXX XX/XX/XXXX, with a balance {$4600.00} minimum due payment of {$120.00}. Next statement, dated XXXX XX/XX/XXXX balance {$4400.00} with a minimum payment {$120.00}. For the past several months I have received statements with minimum payment due {$130.00} with a balance due {$4300.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of {$4300.00}. 

I have contacted XXXX where I make my online payment regarding my concerns about my monthly payment statements. When I make contact with there customer service staff, I am told that minimum due payments are set by AAFES. I contact AAFES I get a different response. AAFES says, I have to make a larger payment for my due payment to decrease. I call AAFES again, then I am told by a different customer service staff that I have to make more purchases to decrease my monthly payments.
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CO)

I logged in to the Comenity Bank XXXX for XXXX store card ) to pay my bill. Upon logging in it the website said I had a {$0.00} balance and {$0.00} available. Upon checking the online message center it said the the account was closed due to inactivity as of XX/XX/year>. I had made a purchase using my XXXX ( Comenity Bank ) credit card on XX/XX/year>. The order number was XXXX and I have the email confirmation. I verified on the website that the card used was my XXXX card. I called Comenity Bank and was escalated to various levels, eventually getting to an Account supervisor. I was to be escalated again to a higher level and was disconnected. I called again, was escalated again transferred to the account supervisor, and again " disconnected ''. At this point I believe they are just hanging up the phone. 
I was told a few times that the only way to reopen the account would be to reapply. I explained to them that doing so would massively impact my credit score and report because I would be XXXX closing an account, XXXX would get a hard inquiry on my credit report, XXXX be reopening a new account, and XXXX it would drop the average age of my open accounts, all of which would negatively affect my credit score. I should not have to do that because of their mistake. 
The very first person I spoke to told me that the account could be reopened since it was within 7 days, but I would just have to make a purchase today. I attempted to make a purchase using the store card and it was declined because the account was closed. I keep getting different ( mis ) information from each person I speak to.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

On XX/XX/24, I contacted National Credit Systems via phone to resolve my debt. I was emailed my account information to be able to do it from their site. 
My account number given to me was XXXX. 

I proceeded to use my XXXX checking account to pay for the debt with an added convenience fee charge making the total payment {$100.00}. 

I paid it via ACH and again using my XXXX  accounting debit card as I was trying to quickly resolve the debt to be approved for a new apartment. 
Several communications took place between XXXX XXXX and I and also my new rental property manager spoke with her a few times. 

I was given a receipt both times confirming the payments. 
I have yet to receive a letter of satisfaction even though I proved the payments had been settled on my chime account. 

They failed to correct my credit report so I disputed it with the credit bureaus via credit karma. XXXX and XXXX deleted the debt from my report but XXXX still hasnt. 
I submitted a new dispute in XXXX of this year and I was given a letter stating they would not be removing the debt and it is still valid despite my multiple supporting documents. 
I have since filed another dispute and waiting to hear back. 
In XXXX I also directly contacted XXXX XXXX and copied XXXX since it hasnt been resolved.

I have been disputing this account for years.

And they continue to report a collections debt of {$98.00}.

Im frustrated at the whole ordeal and wish to have it resolved immediately and possibly seek legal action against them for their violations against me.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

On XX/XX/2024 my account was fraudulently used for {$1600.00} under a XXXX transaction. I filed a police report. I have filed with the bank. They will not refund my money for the fraudulent activity, despite them initially telling me they would. Beyond filing the initial complaint, they did no investigation. I requested to be contacted by their investigator and was not ever contacted. This is a lot of money to be missing and I can not afford that.
Consumer complaint received 2022-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc. (NJ)

XX/XX/XXXX XXXX XXXX of XXXX P.A XXXX XXXX XXXX XXXX, NJ XXXX TO WHOM IT MAY CONCERN This letter is to resolve the redundant mail us of your billing statement that has not ceased since XX/XX/XXXX. 

We do not owe you any money. Below is an explicit explanation : XXXX On XX/XX/XXXX I received an email from XXXX XXXX XXXX Offering XXXX XXXX XXXX XXXX screenings at reduced rate of {$99.00}. A physicians prescription is required. A coy of the email from XXXX XXXX XXXX is enclosed. In the email there is no mention of XXXX XXXX of XXXX P.A or its function XXXX Both of us, my wife XXXX XXXX and myself secured the required physicians prescriptions as stated in the promotional email from XXXX XXXX After the scan we discovered that the charges were submitted to Medicare in the amount of {$350.00} for each of us. Medicare paid provider located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Then we received a bill of what we owed which is {$7.00} that we paid according to the Medicare statement. Medicare Procedure details is enclosed with this letter XXXX We received a billing statement from XXXX XXXX dated XX/XX/XXXX to pay {$75.00} for each us. A charge of {$99.00} for the CT scan submitted to XXXX for {$350.00}. The cost of the procedure jumped to {$350.00} from {$99.00} an incredible 350 % increase. 
XXXX We contacted XXXX on XX/XX/XXXX and a representative who identified himself as XXXX XXXX my wife to ignore the bill or disregard the bill XXXX Again, we received another statement dated XX/XX/XXXX for the same amount of {$75.00}. On XX/XX/XXXX again called to clarify what was going on. A representative identified herself as XXXX told us to disregard the bill You continue to send us billing statements in spite of the fact that you billed Medicare and the claim was paid according to Medicare payment. You also ignored your representatives previous conversation and their advice to us to ignore or disregard the bill. We have never requested your service and you never informed us of your services prior to the CT scan appointments. We only use Medicare approved or Medicare accepted services. In the email we received, see enclosed, there is no mention of your service. 
Medicare has determined that your service is not covered by Medicare. The provider is responsible for the denied service based on the information shown in the promotional email that was emailed to us by XXXX XXXX XXXX. 

Your charges have been denied by Medicare and it is your responsibility to appeal to Medicare. We have paid what we owe. 

From the date of this letter on, all billing statements you send us will be ignored. Furthermore, should you decide to have any Outside XXXX XXXX contact us, as you stated in your XX/XX/XXXX billing statement, I will be forced to take the necessary legal action to stop your or any of your agency or agencies from contacting us by any phone, mail or email or any the form of harassments. 

Regards, XXXX and XXXX XXXX
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (AL)

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

On XXXX20 - I was able to temp unfreeze 2- of the 3 main credit agencies. However, Equifax ( EF ) decided to do away with PIN 's, which I had, and use a password instead ... but failed to notify me. So now that I need to contact all three, EF online failed to send me an email after 4 requests. 
So I tried another path ; I inputted all my info and at the bottom of the screen, but the continue link was not active ... take 2 and more lost time ... 
FORTUNATELY, the lender was able to use only the two agencies. 
These agencies collect personal info on me, which is half the time inaccurate, I forced to validate their work and then I have to pay for my score ... really! 
Someone needs to have a serious " talk '' with to straighten out their shortcomings, as I/we are their customers Thanks. XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

EXPERIAN HAS RECEIEVED AN FTC WITH INSTRUCTIONS TO DELETE THE ACCOUNTS REQUESTED AS FOR THE ACCOUNTS VIOLATE PROVISIONS PER 15 USC 6801 15 USC 6802 16 CFR 313.7 AND 15 USC 1681a ( 2 ) ( i ). EXPERIAN HAS NOT PROPERLY INVESTIGATED THESE ACCOUNTS PRIOR TO ALLOWING THEM ON MY CONSUMER REPORT BECAUSE EXPERIAN EXERCISE THEIR GRAVE DUTY MEETINGS REQUIREMENTS UNDER METRO2 EXPERIAN WOULD REALIZE THAT THESE ACCOUNTS ARE ADVERSE ACCOUNTS AND ARE COLLECTION ACCOUNTS SO NOW EXPERIAN IS NOT ONLY VIOLATING CONGRESS LAW 15 USC 1681a ( 2 ) ( i ) BUT 15 USC 1681e ( b ) FOR NOT HAVING ASSURED MAXIMUM ACCURACY AND NOT HAVING A SYSTEM IN PLACE THAT ASSURES MAXIMUM ACCURACY IN ACCORDANCE WITH METRO2 AND THE UNITED STATES CONGRESS LAW 15 USC 1681C ( 4 ) ( 5 ) WHERE CONGRESS SAYS NOT ADVERSE ACCOUNTS OR COLLECTION ACCOUNTS SHALL BE FURNISHED ON A CONSUMER REPORTS. EXPERIAN HAS COMMITTED VIOLATIONS AGAINAST THE UNITED STATES CONGRESS AND UNDER 15 USC 1681n IS LIABLE FOR STATUTORY DAMAGES FOR WILLFUL NEGLECT OF {$1000.00} PER VIOLATION AND I WILL PURSUE REMEDY AND USE THE FTC REPORT AND MY LAST COMPLAINT AND A COPY OF MY CONSUMER REPORT AS EXHIBIT PROOF OF VIOLATION FOR STATUTORY DAMAGES VIOLATIONS. NOTICE IT IS FACT PER INTERNAL REVENUE SERVICE POINT 431 CHARGED OFF DEBT IS INCOME AND INCOME DOES NOT BELONG ON A CONSUMER REPORT WHICH IS AN ERROR AND NOW A VIOLATION UNDER 15 USC 1681s-2 AND WILL BE FORCED TO FILE IRS FORM 3949a AGAINST EXPERIAN FOR AN IRS AUDIT .
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA (TX)

GOLDMAN SACHS unlawfully pulled my credit with no permissible purpose. I tried resolving through the credit bureau and directly with GOLDMAN SACHS but they are ignoring my request. The solution I want is produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MicroBilt / PRBC (formerly CL Verify) (IL)

In my notice of dispute dated XX/XX/ ( See attached supporting document # 1 ), I notified MicroBilt of my dispute of inaccurate information in my MicroBilt Consumer Disclosure Report. Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for MicroBilt to reinvestigate and respond to my notice of dispute was XX/XX/. MicroBilt failed to reinvestigate and respond to my notice of dispute. In my SECOND notice of dispute dated XX/XX/ ( See attached supporting document # 2 ), I notified MicroBilt of my continued dispute of inaccurate information in my MicroBilt Consumer Disclosure Report. Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for MicroBilt to reinvestigate and respond to my second notice of dispute was XXXX XXXX XXXX. MicroBilt failed to reinvestigate and respond to my SECOND notice of dispute. Despite my continued efforts to resolve this matter amicably, the inaccurate information remains in my MicroBilt Consumer Disclosure Report.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (MN)

I called and asked to have mortgage assistance paperwork sent to me, never received it. There is a legal name change pending on my online mortgage account, preventing me from submitting the hardship request and i did not request this. I was also never served with foreclosure papers. There is a house XXXX block away with the address of XXXX XXXX XXXX XXXX which is very similar to mine who our mail gets delivered to often. There is a sheriff sale for XXXX and i would like it postponed due to the complications related to this so i have a little more time to complete the mortgage assistance paperwork,
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC (FL)

ACCOUNT OPENED WITHOUT MY CONSENT OR KNOWLEDGE ALREADY TRIED TO DISPUTE UNDER CFPB Complaint Complaint ID : XXXXXXXX XXXX XXXXXXXX PER CONSUMER PROTECTION LAWS THIS ACCOUNT NEEDS TO BE CLOSED AND REMOVED FROM ALL CREDIT AGENCIES. I HAVE FILED FTC Report Number : XXXX AND PER THIS REPORT THESE ACCOUNTS NEED TO BE CLOSED ASAP REFLEX AND VERVE
Consumer complaint received 2024-05-12
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc. (FL)

The company is called Tomo boost I have contacted them many times asking them to close the account with them they keep giving me like a program message every time.I have recently sent certified letters asking them to close account with no preval this has been going on for around a month and a little more I owe nothing on this account and I want it closed before they try to take another {$80.00} from me please help I just want account closed that's all.There is no binding contract with this company.
Consumer complaint received 2024-05-13
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc. (FL)

I have been asking tomo boost for over a month now to close my account with them they keep giving me the run around wanting me to stay.I want my account closed with them now asap and I want proof they did.No money is owed on this account I want it closed before they try to take more from my checking account.Tomo boost
Consumer complaint received 2020-05-15
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.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Last year, my card was used for unauthorized online purchases. Discover card keeps demanding " new '' information, which I have no idea what, and they refuse to identify it. They have forced me to file a police report and have the police officer contact them, which was out of my hands. One police department refused to issue a police report, and another one issued a report, but they still made me liable for unauthorized transactions, and keep requesting " new information '' to deny me again with false reasons. I signed an affidavit that I did not recognized those transactions, and that should be enough for discover card to cover them, as their policy is very clear about it : " {$0.00} Fraud Liability : An unauthorized purchase is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. ''
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (GA)

Not following laws on debt collection. 

I disputed debt and they acknowledged the dispute and i have email tracking showing they also opened the email twice. 
They verified and confirmed they received the dispute on a recorded call Not only did they not validate and verify the debt with me they continued trying to collect. 
They are required to stop all collection activities until debt is validated once a dispute is received. 
They simply violated this law and tried to serve me while out of town 2 occasions at my home.

They also work under 3 company names and harassed me at work and on friends cell numbers. 
They were advised to cease and desist contact due to harassment. 
They failed to do so and would not properly identify when calling. 

A few occasions the reps actually gave out my personal information. 
They stated are you mr XXXX ssn XXXX and also gave out my dob. 
This disregard for laws and not operating in the laws other have to follow is not appreciated. 

If i get served i will be counter suing stenger and stenger / XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX XXXX  XXXX. for violating my rights.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX XXXX XXXX my account was charged {$930.00}. Since then I have requested from Truist Bank, and the company that charged the {$930.00}. The company, XXXX XXXX has returned the amount but my debit card was canceled prior to the money arriving. Truist Claims refused to take care of this.