davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

XXXX  XXXX XXXX failed to abide by the National Mortgage Settlement of XXXX and modify our second mortgage after our first was modified. We had to file a complaint with XXXX  XXXX  who then took our first mortgage from XXXX, modified it, and sent it to XXXX for servicing ( XX/XX/XXXX ). We were then instructed by XXXX  XXXX to follow through with the modification of the second mortgage with XXXX who had to modify it based on the first qualifying. XXXX  XXXX XXXX would not speak to us and just repeatedly sent us modification packages which they repeatedly lost when returned. In XX/XX/XXXX, XXXX finally spoke to us on the phone to tell us they sold the mortgage to XXXX and no longer had interest. We received a letter from XXXX informing us but did not hear from them again. XXXX  then sold the mortgage again in XX/XX/XXXX to a private investor, XXXX XXXX - who has now served us with foreclosure papers as well as a statement charging interest back to XXXX. We have tried over and over through the years to get XXXX to modify but they just ignored us. Planet Home Lending is servicing the second Mortgage for the private investor  and we are trying to get them to agree to settle on a reduced payoff. They want us to pay a lump payment and then make payments for the life of the loan. We do not feel this is just as XXXX did not abide by the National Mortgage Settlement. 
Where are our rights? The National Mortgage Settlement was put in place for people like us and XXXX gets to violate a federal settlement.
Consumer complaint received 2020-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unfair crediting scores. Credit companies like XXXX  and Transunion rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored XXXX points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Two mortgage payments were lost via Online pay. On XX/XX/XXXX I was told by my mortgage holder that my mortgage was directed somewhere else. I had to borrow money to pay my XXXX mortgage a second time. Chase failed to protect my funds by helping retrieve them from the wrong recipient. I now have a second mortgage that didn't arrive to the right mortgage company. I didn't do anything different from what I had done it the pass years. There's definitely an internal problem which Chase and will not assist me to retrieve my funds.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (NJ)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiries : 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 2021-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (OH)

I have a person that I was sending fund for them in the XXXX. Both remit companies stop sending my funds without telling me why. This young woman is enrolled in college and need funds by the first of XXXX to continue. I gave them both her name and college so they could check. It was about two months ago that I sent by Remitly and XXXX after Remitly refused to continue to send my funds.
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

In XXXX of XXXX I made a payment of over {$3000.00} to Santander Consumer USA after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to Santander to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for Santander Consumer USA. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with Santander and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from Santander or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass called my cell phone XXXX. They called me from XXXX. The man who called me threatened me saying he would " severely damage my credit '' and said I am " legally obligated '' ( used that exact phrase ) and that it would be illegal for me to not pay my debt. This is a deceptive and illegal debt collection practice. 

Keep in mind I am already in forbearance on this account because I have told them I have been affected by a natural disaster Covid-19 and they continued to try to collect the debt even after informing them I am still affected on this very phone call and then they proceeded with their legal threats.
Consumer complaint received 2022-08-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 2014
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Hi received marketing material from citizens bank about a cash bonus offer of XXXX if I fulfilled requirements - XXXX XXXX direct deposit within 60 days from account opening. The account would need to remain in good standing. I opened the account in XXXX of XXXX. My direct deposit went into the account on or around XX/XX/XXXX. I believe I added the promo code to the account opening application at the time but I had issues with the site. The site was also advertising the bonus at the time i wasnt too concerned but to be safe I also followed up with citizens after I opened the account to ensure the offer was attached to the application. I was told it was. On or around XX/XX/XXXX ( approx ) I fulfilled the direct deposit / offer requirements. 

I contacted citizens several times and was told the cash bonus would be paid XX/XX/XXXX. I sent several emails and even provided them with the code because I saved the marketing flyer. I spoke to a manager who then had it forwarded to a research team. The woman emailed me and mentioned that she would get back to me in 24-48 hours but I never heard from her again. I followed up via email. Nothing. I reached out several times but at this point it is beyond my comprehension how a bank can advertise like this and then make it so difficult to receive the promotion after fulfilling the requirements. Please address this. Hopefully it is not happening with others. 

I Reached out XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The code for the promo was provided and a rep on XX/XX/XXXX said it was good. I took a look at my notes and old mail. 

I believe this is the code below. It was one or the other. I cant remember but the mailer I have shows the first one below. 

XXXX XXXX
Consumer complaint received 2022-06-23
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. (OH)

I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: MIB Group, Inc. (CA)

I already had an active life insurance policy. For the 2nd time the life insurance company had some unexplained glitch and it drafted from my checking account approx. 10 times the monthly premium. No real explanation, I was very angry and did a lot of leg work on my own to investigate, in the mean time they said the auto system had cancelled me for not paying the {$400.00} something which was wrong. I explained that it all made me so nervous, what if I died? is this what my family will experience, I did speak t underwriting and they advised to just apply for a new policy, they gave me a new agen after I requested to keep my original agent. Then it took months, a whole application process, exposed to walk into a Lab, all of it again!! I later got covid!! then they declined me for some XXXX I had XXXX  years ago that was resolved back in XXXX! and also declined me for having had XXXX!!! Then I learned about the MIB and the universe headquarters where all my applications were getting the same info to DECLINE me. 
I have tried working with my hospital ; medical records, because apparently I also lived another nightmare with HIPPA and my Medical records ; had other peoples printed pages in my files. They supposed to have had a 700 plus page audit, they emailed me a pdf but i dont know all the medical terminology. Except the way my doctors office has had glitched too ; old system and new system So now my XXXX note from my resolved XXXX with XXXX XXXX reappeared as " history of " they read it as if I am having the same ongoing treatment, which I never did, just XXXX, no XXXX etc. 
The new insurance agent seemed very sloppy too helping me. I feel they all mis lead me to just get rid of me, I have waited to resolve this issue from XXXX to XXXX. They never called to ask if I had been in hospital for covid, lived or died. MIB doesnt have any covid info for XXXX. It all feels very very wrong, I am recovering from XXXX but I have been home, I will be okay. Covid is new to all and our doctors are still developing a list of what symptoms are with various treatments, we do not have all the information yet. We are all falling into these new lists and so I do not understand how I was marked as declined " with ... .and Covid '' There is a lot more to my story. I have ne dangerous life style, I have a good background since I am a XXXX XXXX XXXX XXXX. I live a healthy life and all I want is my life insurance policy back! I feel trapped into fighting to get it back since all the roadblocks are already set up against me!
Consumer complaint received 2023-06-02
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was alerted of three fraudulent charges -- all made in-person via XXXX XXXX  to XXXX XXXX and XXXX XXXX. These charges eqauted to just over {$8000.00} in purchases made without the card owners ( myself and my husband ) knowledge or permission. Chase initially confirmed it was fraud with someone using XXXX XXXX to pay in-store in XXXX, XXXX. These transactions happened on XX/XX/XXXX and XX/XX/XXXX, at the same time that my husband and I, the authorized users on the card, were in XXXX XXXX and XXXX, respectively. During that time, my husband and I were making purchases in XXXX XXXX and XXXX  with the card chip while these fraudulent charges occurred via XXXX XXXX. I was initially credited for these charges but was then rebilled as Chase deemed it was not fraud. 

Upon asking for clarification on why it was deemed not fraud, it was noted that they could see someone logging in/out of the Chase account on XX/XX/XXXX and they do not understand how someone could have our password to do this. Great question, neither do we which is why we immediately changed both our credit card and account login information upon this happening. 

I have proof through photo location ( and could obtain additional proof through cell phone records ) to show we were not in XXXX at the time these purchases were made and that these purchases were not authorized by us. 

Throughout this, Chase has been treating us like criminals, not customers. They have not been able to provide any rationale as to how this is not fraud and it is clear they have not taken the proper steps to review the charges. We have since reached out to XXXX XXXX to file our own claim and have also filed a police report.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity,  everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently diputed this same information on XX/XX/2020 and they continue to report the inaccuarte information and it's a false representation of me.They are setting me up for possible identity theft.