davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Credence Resource Management , LLC has placed a collection account on my credit reports in the amount of {$340.00} that I do not owe them. I have never done any type of business with this company. 

I've never received services, any sum of money, or merchandise from Credence Resource Management , LLC so therefore I do not owe them any money. 

There is no legal contract that bears my wet ink signature or the wet ink signature of a representative that binds me to this company.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

My name is XXXX XXXX. I have been a loyal member of the Pentagon Federal for about 10 years. I initiated a mortgage refinance in early XXXX. My loan processor XXXX XXXX has been extremely unresponsive to date. I have been feeling neglected throughout the entire loan application because XXXX has spoken to me via telephone 1x through this process. My estimated closing was yesterday XX/XX/XXXX. On XX/XX/XXXX I received a forwarded internal email stating something to the affect of my property was not eligible for the refinance due to XXXX XXXX  guidelines. I immediately requested a call from a manager on XX/XX/XXXX for clarification but have not heard back to discuss further. While awaiting a callback from a manager I did my own research and reviewed the XXXX XXXX guidelines and found multiple exemptions to the guideline. The XXXX XXXX  links were sent to my loan officer and processor for consideration. After forwarding the information I have not heard anything from Pentagon Federal. 

Again I have not been able to speak with XXXX XXXX nor a manager to discuss any additional programs within XXXX XXXX guide or options to help me as a valued member. 

This has been the worst service Ive received in my life. I do hope that Pentagon Federal understands the severity of this as we are currently in a pandemic, I have been working to decrease my expenses due to this pandemic. I feel Pentagon Federal has not assisted me with my financial goals and I feel abandoned by Pentagon Federal.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Transunion being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Transunion received everything required under the FCRA needed to remove and place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX and XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Transunion has yet to place a block on all information resulting from identity theft. I called Transunion today at XXXX pm and requested information on the block of information resulting from identity theft. A representative of Transunion informed me that they were not placing a block on the information because of the company policy they have in place. I informed the representative that their companies policy does not supersede Federal law and according to Federal Law, I submitted everything that was required.

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 BUSINESS DAYS after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

I have not received any sworn statements from any senior Executive member of this company on an affidavit signed under the penalty of perjury. Therefore, Transunion is willingly and knowingly violating my federally protected rights under the FCRA to protect a business relationship they have with these organizations by allowing them to park debt on my consumer report in order to ruin my financial reputation.

15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Transunion allows its policies and business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED CONSUMER RIGHTS, they will be liable to me for the stress, XXXX, sleeplessness, and any other actual damages caused as a result of the failure as allowed under 15 USC 1681n and 15 USC 1681o.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 I placed an online order with XXXX XXXX  for medication costing {$160.00} and a doctor consultation for a {$25.00} fee. On XX/XX/21 and XX/XX/21 I emailed them requesting the consultation before they mailed the medication as I wanted to discuss my medical XXXX before they mailed the medication. They never responded. 
On XX/XX/21 I received a confirmation email that my order was on the way. 
On XX/XX/21 I emailed XXXX XXXX that I paid for, but never received the consultation, and to cancel the order. 
On XX/XX/21 I disputed the charge with Chase, who advised they would temporarily remove the charge and send me further instructions. 

I received a letter from Chase dated XX/XX/21 ( I do not recall the date I received it ) stating they temporarily removed the charge and to " save all documentation and receipts related to my dispute. '' On XX/XX/21 I received an email from XXXX XXXX  stating they were behind on the customer inquiries and that the order was shipped, which I received that day. 
On XX/XX/21 I emailed them that I had filed a dispute with my credit card company. 
On XX/XX/21 I " refused and returned to sender '' the unopened medication. 
On XX/XX/21 I received a call from XXXX from XXXX XXXX in XXXX, FL. I asked her to credit my account, and she agreed. 

On XX/XX/21 I received a letter from Chase dated XX/XX/21 requesting all my documentation by XX/XX/21. I immediately called Chase to advise my documents would never reach them by XX/XX/21. XXXX at Chase advised she would mark the file that I received their letter on XX/XX/21. 

On XX/XX/21 I mailed all my documents to Chase with a Certificate of Mailing. 

On XX/XX/21 I received a letter from Chase stating they decided in favor of XXXX XXXX. I called to inquire how they arrived at this decision and was told my documents reached them too late. They were not interested in my explanation that I received their request too late and spoke to XXXX who advised she would mark the file that I received their request too late to arrive by XX/XX/21.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

Issue : Citi Bank Used a " hard Inquiry that was reported '' to my credit report. 

The phone interest form specified " clicking continue will not impact my credit score '' however it still pulled a hard credit inquiry to define my eligibility for the personal loan promotion. 

Hi, XXXX. Thank you for your interest in a Citi XXXX XXXX. At this time, we're unable to approve your application ( Reference # XXXX ). You'll receive another communication within 10 days with more explanation about the reason ( s ) for our decision. 


XXXX Bank notified me of the hard inquiry used per below credit monitoring alert : New Inquiry CITIBANK, NA An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit.
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

Defendant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX, IL XXXX Ph : ( XXXX ) XXXX Website : XXXX XXXXXXXX XXXX XXXX XXXX, has wrongfully sent a bill for {$910.00} with my name on it to collections for debt that should be covered by my insurance. If he has waited beyond the service period of the insurance then thats not my concern. XXXX XXXX has to improve his back office billing. 

I found XXXX XXXX as a future XXXX XXXX while searching for XXXX  on the XXXX XXXX. He is a XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, IL. Truthfully XXXX XXXX is a very good XXXX with excellent customer relations and bedside manners. I have no complaints about his medical practice. He's a great XXXX. 

However as a businessman I have reservations about his office operations. XXXX XXXX billing processes and procedures internally are all but efficient. My complaint is about a medical billing sent to collections. I had XXXX under my then wife and I now have XXXX under me. 

On my last visit with XXXX XXXX, he stated that his office person could not collect on my insurance. I thought this was odd considering that my previous XXXX and XXXX both were covered with a Copay that I have with the insurance company. So I thought no worries he will take care of it, besides why should I do his medical  billing? 

That was around XX/XX/2021 and now it is XX/XX/2021 and I see that XXXX XXXX has sent this balance to collections instead of dealing with the Insurance provider. I have seen ( XXXX ) XXXX since XXXX XXXX and their billing is just fine with my {$20.00} copay. XXXX XXXX has sent my bill for {$910.00} to XXXX XXXX XXXX a XXXX XXXX out of XXXX XXXX, PA. 

I want XXXX XXXX to take responsibility for this transaction and just because he has a medical practice or business service does not give him the right to generate a debt and charge it to the customer. Once the patient enters the office the payment arrangement is already made. Through the XXXX site the patient provides all their insurance information and it is reiterated once in the Docs office. 

XXXX XXXX did not have a secretary, office clerk or nurse in the office working with him and he was handling all the responsibilities. I saw the XXXX twice before he told me that I owe {$910.00}. I told him that couldnt be so because of the way I set my insurance up. He replied very defensive and said that his person has always done his billing. I replied that I dont believe that she is correct and he said she is and I said impossible and he said then I cant see you today. I said fine. 

I am not responsible for this debt at this time and should not be held liable for paying it. 

Best Regards,
Consumer complaint received 2022-06-27
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

We contacted AAG mortgage company in hopes of obtaining a Reverse Mortgage back in XXXX of this year 2022, they put us in contact with one of their agents named XXXX XXXX in New Jersey we filled out the preliminary application they checked out Credit and Mortgage balance and said we were qualified to proceed with the process so we talked with a HUD rep about counciling after that we sent in all the proper documentation and they said everything was fine so they set up an Appointment with a HUD approved appraiser they needed our Appraisal to to be a certain number and it came in over that figure our processor XXXX XXXX sent us a document to have the Appraiser to come back out because she had to signoff on a carbon monoxide installation XXXX XXXX called back and said all documents were done she called XXXX XXXX to get the loan closed he sent a document for us to sign for the payoff and it had a loan approval # on it we sent it back and he said we will close by the end of XXXX then XXXX XXXX called and I asked her if I should make pay my Mortgage payment and she said I can't tell you to make or not to make a payment but if you do you will just get a check back so we decided not too so XXXX call me a few days later and said we found a document and couldn't fundthe loan so we told him we wanted our Appraisal and our counciling money back because before we went through all the application and documents they should have checked everything from the beginning so he said he would look into it never called us back so We called AAG told them our issue and we were told we would receive a call from the head of the cares dept they said she was higher up than a supervisor or Manager she called me Friday and asked what I wanted done do you want your money back or I see your loan is showing you are approved what would you prefer I said we still want the Reverse Mortgage her name was XXXX said she would call us back on Monday and she did not we have made numerous phone calls left messages and have been completely ignored we need help since we are on a fixed income and need some answers sounds like these people don't even know what they are doing and bunch of liers and thieves we need a solution to this problem either fund the loan or at the least give us our money back for the financial pain suffering and heartache they have caused.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, EXPERIAN, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE AMERICA, INC (DE)

I am a first time home buyer and after months of searching, found a house. We wanted to move on it quickly and our realtor suggested using Mortgage America because she had worked with them in the past ( though I never gave verbal consent to using this company ). Our offer was accepted and everything was fine until 2 weeks out from closing when the underwriter asked for several documents ( attached ). I had started a new job at the end of XXXX and had 1 paystub at the time of the email so after providing a signed offer letter from my supervisor, the company requested additional documentation. Anytime I sent documents, I was told they needed something else. I attempted at least 5 times to speak with the underwriter over the phone but was always told she was unavailable. I also spoke with 6 different people during this process who told me different things on what was acceptable documentation but when asked to have a conference call, no one responded. After being suggested I put my down payment money towards paying off student loans two days before closing, I asked for my application to be pulled. There is so much more to say but not enough room ; simply put, they made me jump through hoops the entire time and the underwriter never returned my phone calls.
Consumer complaint received 2022-08-23
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. (MO)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$770.00}
Consumer complaint received 2022-08-23
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: OneMain Finance Corporation (DE)

XXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (WA)

I requested hardship assistance because since graduation from University in XXXX it has been rough without the XXXX in student loans I received annually. I called on XX/XX/XXXX and was told there was a plan available but I had to miss my payment again and we decided I'd call back XX/XX/XXXX.. When I called today that hardship arrangement meant closing my account AFTER I pay in full. The " help '' means a dramatic hit to my XXXX score, as any help they offer means closing the account after they are paid in full. They set me up to fail on the XXXX call, and when I held up my end of the bargain today and called them, they informed me it meant closure of the account.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number 1XXXX
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (GA)

I sent out a letter to all 3 credit bureaus EQUIFAX, XXXX, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (PA)

XXXX XXXX, This company has been using harassing tactics for years. I have finally just had enough and would like to report it. I see many previous issues with this company and even legal cases. It appears that they continue their unfair practices. I have multiple emails for past harassing behavior despite having a payment arrangement and will outline my most recent experience. On XXXX I advise XXXX of payment I would make to bring my account current. On XX/XX/XXXX I received a collection call which I answered ( I usually don't because they harass customers on calls ). It was not a pleasant call. Despite a payment arrangement I received calls ( which I did not answer ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called CPS and the rep confirmed there was a payment arrangement noted on my account. She only agreed to stop the calls after advising her that I would report the behavior to XXXX  if the calls did not stop. I have not received any calls since XX/XX/XXXX but got an email today ( XXXX ) from a collections manager. I would like CFPB to use this information to again start investigation/litigation against this company.