davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

I XXXX XXXX XXXX XXXX d/b/a XXXX XXXX entered into a consumer credit transaction via with Citibank N.A. in XXXX of XXXX. A consumer credit transaction in which the terms of the transaction were deceptive. A written notification dated XX/XX/XXXX was received from XXXX XXXX XXXX, a law firm that Citibank N.A asked to contact me regarding the alleged debt which is a violation of 15 USC 1692b ( 2 ) ,15 USC 1692c ( a ) ( 1 ) and 15 USC 1692e ( 3 ). A validation of debt request was sent to Citbank N.A/ XXXX on XX/XX/XXXX pursuant to 15 USC 1692 ( g ), which was ignored. A notice of dishonor and opportunity to cure the default was sent on XX/XX/XXXX and was ignored as well. Citibank N.A then filed a complaint to sue ( See Exhibit B ), which is a violation of 15 USC 1692i ( b ). Citibank N.A also committed additional violations as evidenced by the attached exhibits.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX, XXXX, and XXXX without my authorization which is considered identity theft according to Federal law United State Code. Also, XXXX XXXX you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2022-07-25
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-28
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: Convergent Resources, Inc. (OH)

Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXXXXXX XXXX XXXX This account appears been opened online none of information matches mine
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. However, the status of my account is still stated as a 'charge off, closed ', and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Bank of America ), that is reporting it that way. I contacted Bank of America to change the status but they have refused to comply. The original debt was {$2800.00}.
Consumer complaint received 2022-07-25
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. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX store XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed XXXX as the origin of the " debt. '' It does appear that XXXX uses XXXX but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - XXXX XXXX XXXX, XXXX and the " collectors '' XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Penny Mac loan # XXXX. 

I have PMI insurance that pennymac refuses to remove. I requested a review and they stated my loan to value was not sufficient. I appealed and they asked that I have a BPO inspection done. I paid {$150.00} to have that done. The agent that completed the inspection undervalued valued my house. He reported $ XXXX but comparable homes sold for over $ XXXX in recent months. The local tax assessment has it at $ XXXX. I also proved that I spent over $ XXXX in remodeling the home. 

Either the bank is intentionally refusing to look at the real numbers or they just want my money. This has been going on for over 1 year. Fortunately this hasnt put me in financial hardship just yet but if they cant fix it, I will. 

I was laid off and have been living off savings. Pennymac is either making quick decisions or discriminating against a XXXX homeowner. I dont know what it is. With all the home values jumping 20 % they are saying my house didnt budge. My house is located in one of the best school districts in the whole state of Illinois. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$590.00}
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (MA)

Got a scam letter from Comenity Bank saying I applied for a ALL Rewards Mastercard, which I did not do. And goes on to say they need my SSN, date of birth etc.
Consumer complaint received 2021-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Thrivepoint Financial Holdings, Inc. (IA)

In XXXX of XXXX I contracted with XXXX XXXX XXXX XXXX , XXXX of XXXX XXXX, Iowa for installation of appliances. At the time of their estimate in XXXX, I was offered an opportunity by them to enter into a Retail Installment Contract using XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) to finance the project. The work was completed in XXXX of XXXX. At the time of entering the contract, I was required to provide my credit card information to the sales representative. I understood the monthly payments were to be made on the credit card automatically. I received no communication from XXXX regarding any delinquency of payments I received no notice of assignment to a new servicer. It was not until XX/XX/XXXX, as I was applying for financing to buy another property, that I discovered from my lender that XXXX had placed negative marks on my credit report of 30, 60, and 90 days for failure to make monthly payments on this contract. 
This was shocking. I had never received any notifications either in the mail, electronically, or via telephone that I was delinquent, or that the account was being transferred to XXXX XXXX. 
I have been in communication with XXXX XXXX, and have paid the loan in full. XXXX advises that they are not able to remove the negative credit reports because they did not have the loan at the time it was being serviced, and did not make them. In calls to XXXX  their operator claimed an inability to remove the negative reports because they " no longer service the loan ''. I have written to them requesting this these negative credit reports of 30, 60, and 90 day delinquencies be retracted from my credit report by them. They are unresponsive. Calls are continually rerouted. My new lender indicates they have the ability to remove these entries from my credit report. I now discover from the new lender that my current loan application is being rejected because of the reports made by XXXX were classified as failure to make " mortgage loan '' installments. This was not a mortgage loan! By not accurately reporting them as " retail '' installment installments, I am being denied financing because missed mortgage loan payments are negatively more weighted than installment loans. I have pleaded with XXXX remove the reports. Removal is appropriate because XXXX did not communicate or give me any notice regarding this this account. Even more importantly, THEY DID NO? T REPORT THE CORRECT CLASSIFICATION OF THE LOAN. Had I not inquired of my new mortgage lender, I may not have known of the delinquencies until a small claim was brought. Everything led me to believe it was being paid monthly via credit card. 
I have made many calls to XXXX XXXX XXXX XXXX XXXX. They do not respond.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a checking account with Huntington National Bank online on XXXX XXXX with an opening deposit of {$9000.00}. 

Upon the promise of an incentive from the bank, I attempted an ACH transfer to them for an additional amount of money to them a week later, but for some reason, they thought the funds transfer TO THEM was fraudulent. This caused them to lock the account and block access to the account when I attempted to log in online. 

To date, the bank has not communicated the reason the account was locked via any means - neither e-mail, postal mail, nor phone call. Keep in mind not even paper statements were mailed. The only way I found out was after a lengthy one hour phone call and verification process in XXXX. I attempted to get them to unlock the account twice more after the initial phone call, but they were unreasonable in wanting new verification of my identity every time I called in, and rejected me verifying the account even though I answered all of their questions properly. 

Therefore, on XX/XX/XXXX, I requested the bank to close the account after another 45 minutes hold on the phone. Nothing happened. On XX/XX/XXXX, I called in and I spoke to XXXX in the electronic loss prevention department at XXXX, and he said he would close the account and mail a cashier 's check for the balance in full to the address on file. Many weeks passed after that, and still no check, and no communication at all. 

I made my final call to XXXX in the electronic loss prevention department on Friday, XX/XX/2021 ; she confirmed an internal note on the account in XXXX to close it and mail proceeds, and gave an excuse that another department was " still processing it. '' She was told a complaint to your organization, the CFPB will be filed if no check received in one week after that call. 

Therefore, I have exhausted every reasonable request to get my money back this bank effectively held hostage and earned interest on, while I wasted perhaps a total of 8 hours on the phone and in tasks just to try to access my money. 

Their communication was terrible, and their attitude was uncaring and illogical. 

Please force them to send me certified funds immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2021-10-16
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: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX XXXX XXXX  continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). In addition to furnishing information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

On XX/XX/XXXX, I disputed the account through the credit bureau, XXXX and XXXX XXXX XXXX XXXX XXXX  responded, " Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/XXXX XXXX XXXX XXXX XXXX furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$1500.00} Subsequently, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$890.00}. 

This action constitutes fraud under 15 U.S. Code 1681s215, U.S. Code 1692, federal and state laws. Due to the negative mark found and continued to report on my credit reports as of XX/XX/XXXX.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CO)

They are difficult to get a hold of the right person and understanding what I'm asking help with so it frustrating with online or over chat to communicate why so many fees and restrictions to add fund to just one account instead of having the amounts of money secure with just one account. Back pay and XXXX XXXX XXXX XXXX and XXXX settlements.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (MD)

My name is XXXX XXXX and I received an adverse action letter from Santander Consumer USA. The letter states that Santander is unable to approve the terms of your credit request, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the XXXX. This is even stated on the letter at the very bottom. I also noticed that it mentions an application for extension of credit. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. Creditor is defined as someone who regularly extends credit AND to whom the debt is ARISING FROM, pursuant to 15 USC 1602 ( g ). Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is in fact a credit card. So in order for Santander to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor because I extended my credit and I am who the debt would be arising from. So theyre falsely claiming that they extend credit when their website consists of financing options. Credit and loan/financing are NOT the same nor do they have the same definitions. A loan application is applying for a loan ; financing. So they are taking my credit source and denying me of my own credit based on information that is NOT verified. Finally, in the letter Santander states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Santanders decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Santander obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Santanders decision.
Consumer complaint received 2022-05-03
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.