davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP (TX)

Our home was impacted by Hurricane Beryl in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX signed a Major Disaster Declaration XXXX for those in XXXX counties, including XXXX XXXX where my home is located. As a result, my home loan, as a federally backed mortgage, is subject to the forbearance protections which the XXXX administration passed in the wake of this federal disaster. 

As soon as we were able, still in the month of XXXX, we contacted our mortgage lender, US Bank to let them know we had been financially impacted by Hurricane Beryl. Their website advertised that they had assistance options for those affected by natural disasters. We were advised that we could be placed on a disaster forbearance. We were asked to complete a mortgage assistance application, which we did. Additionally, US Bank asked us for other supporting documents like our paystubs, which we provided. This process went on for 3 months. We initiated communication with US Bank continuously throughout this period with no updates. In every communication with US Bank, it was stated that the reason for the hardship was due to the federal natural disaster experienced on XX/XX/XXXX. This was also communicated on the written mortgage assistance application submitted electronically to US Bank on XX/XX/XXXX. Also during this period, we made XXXX payments on our mortgage as we did not want to fall too far behind. On XX/XX/XXXX, US Bank called us and advised that we had been put on a repayment plan that is to run from XX/XX/XXXX- XX/XX/XXXX with a monthly payment of over $ XXXX. We can not afford this. We questioned why we had not been offered some of the noted disaster assistance options outlined on the XXXX XXXX website. Our loan is backed by XXXX XXXX. 

Additionally, US Bank is continuing to assess late fees and recently reported us to the XXXX major credit bureaus causing mine and my husband 's credit scores to drop by over XXXX points.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC. (MD)

I have been receiving harassing and repeated telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller id to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from a JP Recovery Services located in XXXX XXXX, Ohio. The most recent call came from XXXX XXXX XXXX XXXX. According to their website they are " [ a ] nationally licensed team of healthcare professionals [ that ] works with hospital systems, physician groups and private practices to achieve optimum recovery on any type of account. '' Furthermore, they " integrate cloud-based technology, analytical recommendation software, and multi-channel communications to assure that we are offering the best options to patients. '' It also appears that XXXX ( a credit reporting agency ) is a technology partner. To date, I do not have record of receiving a written validation notice from JP Recovery Services regarding any alleged debt owed and my rights to dispute the validity of such alleged debt. ''
Consumer complaint received 2021-08-09
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NV)

Kept receiving phone calls regarding my student loans and possible loan forgiveness. The calls kept coming from a XXXX XXXX at : XXXX, XXXX with a callback number of : XXXX I called them back on XX/XX/20 and spoke with someone named XXXX XXXX XXXX XXXX ) He said he was a student loan forgiveness consultant, for a Revised Pay as You Earn Program by the Dept of Education and could provide complete loan forgiveness options after 4 monthly payments of {$240.00}, then it would be a XXXX balance monthly for loan forgiveness. 
He logged into my Navient acct and provided me a temp password and gave incorrect loan info ( I have since changed my password on Navient ) He knew my social security number, and other identifying information which was concerning, I never provided it, however I did confirm that it was correct. 
I asked for a website to reference, and he gave the something called XXXX ( which is now an invalid url ) Told him I'd look into it and call back in a couple days ' time.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. I was told that my disputes was frivolous, which made me feel very inhumane. How can you say that when you know all the things this report is use to obtain. I cant apply for a home loan because of this not a car loan because all the inaccurate information on my report. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NC)

On multiple occasions, I spoke with Mortgage Representatives about FHA Loan Hardship options. I even spoke with a Representative about FHA Streamline options. I am on a fixed 5.25 % rate and have not missed a payment in over 3 years. PNC Home Mortgage Reps were not aware of the program and the refinance application ( draft ) that was submitted did not match what the representative advised me on the phone. After speaking with over 5 reps in 1 day, I was still denied any options. The representatives were dismissive, provided inaccurate information, and were rude. I voiced my concerns and was told I would hear back from a manager. Never received any follow-up. After speaking with XXXX, on XX/XX/XXXX about concerns related to my mortgage account and having access to it. She deleted all my security questions and removed my phone number, to finally discover on XX/XX/XXXX, that her actions prevent me from accessing my account PNC 's entire online account. A simple password reset has been extended to 10-14 days via snail mail to receive a password in the mail. This is after a wonderful Representative " XXXX '' invested 4 minutes into researching and trying every available option to assist me. 

This pattern of denying minorities access to decreased mortgage rates, and federal programs are the same issue PNC practiced in XXXX a previous class-action lawsuit- for overcharging and denying minorities access to fair lending. 

I have a copy of the Refinance/Closing worksheet provided by XXXX, that has the inflated figures ( including appraisal fee-appraisal not required ) and my response voicing my concerns and his dismissive response. 

Only after speaking to an XXXX American representative was I informed of a " Hardship Application '' option. This is after speaking with 7 other reps over a 3 month period. Of course, completing the hardship application does not guarantee a decreased interest rate, and surely doubt that minorities are given the option for reduced rates. This needs to be looked into because customers experiencing this poor service. In addition, previous reps advised the HOPE Assistance program may be able to assist with making payments. The HOPE Program does not assist Mortgage owners, in spite of customers experiencing hardships being referred, REPEATEDLY, to the HOPE Program. I completed the HOPE application in XX/XX/XXXX, interviewed providing documents XX/XX/XXXX only for my application to be denied in XXXX XXXX " due to no assistance for homeowners- RENTERS ONLY '' - never received any notification. I just happened to call to follow- up on my application status.
Consumer complaint received 2020-11-13
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX {$7700.00} XXXX  XXXX  XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MI)

I had opened a financial Account through TD Bank , N.A . Months ago for a purchase with XXXX and had never activated or used the account. I called months ago to close the account and it is somehow still open. I am also still receiving letters in the mail regarding the account.
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

On XX/XX/2021 I received a letter from Convergent Outsourcing Inc . This letter stated that I owed a debt of XXXX to XXXX XXXX XXXX. I knew this was not my debt, as I have never had a XXXX XXXX account. I wrote to Convergent Outsourcing Inc. two weeks after receiving the letter informing them this was not my debt. They then responded that they had verified this was my debt, and attached the relevant contract. However, the contract they attached says the account holder is XXXX XXXX, and is clearly signed by one XXXX XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX was my father, who died over three years ago. I do not know how my name became associated with his account, but this is not my debt.
Consumer complaint received 2020-11-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.
Consumer complaint received 2020-11-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.
Consumer complaint received 2020-09-03
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. (FL)

I submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I do not consent to XXXX  verification and want an actual living human being to read this complaint. I will have my marked-up consumer report attach below in reference to my federal consumer rights being violated by the XXXX XXXX XXXX XXXX reporting . Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a, PHI, and HIPAA. My invoice for actual damages and violations will be attached also. Also, attached will be a Transunion proof of removal for me filing complaint due to my federal consumer rights being violated.
Consumer complaint received 2021-09-28
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 — Their investigation did not fix an error on your report
Company: Consumer Adjustment Company Incorporated (VA)

Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: WELLS FARGO & COMPANY (GA)

Overdraft fee in the amount of {$35.00} on XX/XX/2022 XXXX waa deposited on XX/XX/2022 and was still charged overdraft fee on XX/XX/2022 transaction Monthly service fee of {$10.00} on XX/XX/2022