davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

XXXX XXXXXXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. Also effective XX/XX/2022 no medical debt should be in a consumer report.
Consumer complaint received 2022-05-26
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. (MI)

In accordance with the fair reporting act Acceptance now # XXXX, XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

I am submitting this complaint against my mortgage servicing company for unreasonable delays, excessive stipulations, and additional financial demands related to the release of insurance funds needed for home remediation and restoration after my home was damaged by a natural disaster. 

The servicer has refused to release the initial insurance funds for repairs unless I meet overly burdensome requirements, such as submitting detailed contractor proposals and itemized material lists, even after I provided signed agreements, receipts, and photos documenting the ongoing work. Additionally, they are demanding that I cover the cost of inspections required by them before releasing any funds. 

Despite my efforts to escalate the matter, I was denied contact with a manager or senior representative, being told by multiple agents that management does not speak with customers. This refusal to engage in meaningful dialogue has left me with no way to resolve my concerns. 

These delays and demands have created significant financial hardship, as I have exhausted personal funds to continue remediation efforts. My home has been uninhabitable since the disaster, and the mortgage company 's actions are prolonging this situation unnecessarily. 

This situation has caused undue stress and hardship, and I need immediate relief to move forward with restoring my home.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Its been a huge headache and inconvenience dealing with Bank of America regarding stolen funds from my account. On XXXX I submitted a complaint regarding this issue, also on XXXX, XXXX. Case numbers XXXX, XXXX, XXXX. On XXXX I received email correspondence from CFPB stating that Bank of America had replied and now those complaints are now close. I thought to myself great this means they have resolved this issue and received the documents that they claim they had from the merchant. I contacted the case agent that was assigned to this matter XXXX XXXX Im not sure of the correct spelling but she verbatim told me that they only responded to CFPB because they have a time limit to have done so and that they are still working on this matter and have until XXXX to have received a response from the merchant or that the claim will automatically be paid by the merchant. I patiently waited and assumed they would do their due diligence to resolve this matter, I assumed wrong. I contacted XXXX on XXXX with that being the resolution date with no response, I spoke to her XXXX with no update she said that she would escalate this with her team ; and promised to contact me within XXXX XXXX. I didnt receive any call back and contacted her again on XXXX, and she basically told me she has no update and is still waiting from her team. Bank of America prematurely closed this complaint just to meet their deadline and when XXXX came they still have no response for me. Im over this back and forth and now I will unfortunately get local news and a lawyer involved if I have to and Bank of America will have to pay up much more than what was stolen from my account.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (OR)

I refi'ed my home loan with NewRez. My original mortgage loan is also with NewRez. The closure documentation had an amount in the Payoffs and Payments as {$110000.00}, which is not the correct payoff of my loan. When I questioned XXXX XXXX about the amount, she stated that " The closing team always pads the total payoff amount by a couple of hundred just in case something goes wrong. '' So I signed the paperwork. 

At the time my loan closed/paid off my original loan balance, the outstanding balance to be paid off was {$110000.00} on XX/XX/XXXX. XX/XX/XXXX was the new loan disbursement date. However, I did make a payment to my original loan of {$680.00} on XX/XX/XXXX to avoid a late charge. 

I expected to get a check in the amount of the difference of the amount paid on my loan to what was paid, plus the payment made on XX/XX/XXXX. This would be {$880.00}. I only received a check for {$720.00}. 

I have tried to get the final pay off of my original loan ( showing the actual ledger balance to be paid and the payment made ), such as a final closing statement. However, the original loan is inactive and there is no record of the amount of the final balance, except for the payoff quote I downloaded prior to the refinance funding. the check I received did not have an itemized breakdown. When I questioned NewRez about this, they responded with only the Closing Disclosure again -- and when i provided them the email about the padding of the loan balance, no one has responded to my inquiry.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Credence RM. I did not open or authorize the account that you are reporting a balance of XXXX. This fraud account was not opened by or used by me. I've never had any obligation with you nor the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSXXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 10 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1600.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$3500.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$5500.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$4500.00} DEPT OF ED Acct # : XXXX Open Date : {$500.00} Amount : XX/XX/XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Consumer complaint received 2022-07-20
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. (CA)

On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

Ad Astra company continues to call my phone number about this debt and I have no idea wheres it is from. If it is a payday loan collection, the loan was paid directly to the company. I even hired XXXX XXXX XXXX to help me minimize my debt and Ad Astra rejected their attempts to resolve this alleged debt. This company is on my credit report, harassing me, and not complying with efforts to resolve the issue.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I made a credit card purchase for {$33.00} that I charged it to my Sears Mastercard managed by Citi. The due date to pay the credit card was XX/XX/XXXX. Unfortunately I misplaced the bill, found it, then paid it on XX/XX/XXXX. I called the 800 number on the back of the credit card on XX/XX/XXXX. I spoke to a lady, explained that I had misplaced the bill, had never been late before, then requested that Citi waive the {$30.00} late fee. There was short delay while the representative checked my prior payment history. When she began speaking to me again, she said that the records indicated what I said is true and as a courtesy she is removing the {$30.00} charge. She added that it was good of me to call to explain why I was late. In the beginning of XXXX, I received a subsequent bill from Citi Sears Mastercard that not only did not reflect the promised {$30.00} credit, but an additional {$42.00} late fee was added. On the XXXX of XXXX I called again, spending almost an hour with another lady explaining what occurred before a supervisor joined in on the call. The supervisor told me that she would remove the additional {$42.00} fee but I would have to pay the initial {$30.00} late fee. At this point, frustrated, I told both of them that I expected to get what is promised and to cancel the credit card. Since then, I have received another statement so I now have been billed {$110.00} in late fees for a {$33.00} purchase that I paid approximately two weeks late. Additionally, Citi sent me a demand letter for payment stating that my failure to pay may result in them sending a negative report to credit bureaus and I received computer generated telephone calls almost daily requesting payment for the fees. Included with this complaint is a recent letter to Citi along with supporting documents. As a follow up, I received a telephone call yesterday from a different representative who told me that Citi Bank company policy only allows them to waive one late fee, therefore she is unable to do anything more at this time.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I have had a Heloc 2nd Line of Credit for over 10 years with US Bank. In the last few years, I have had some health issues ( all resolved thankfully ) combined with a change of my profession. This has caused some late payments. I was in the process of a loan modification with US Bank where I was simply asking them to review and make changes so that the payments were manageable. DURING THE MODIFICATION, process in the last 10 months, they decided to file an N.O.D. on the loan. This was WITHOUT any type of discussion or forewarning. This happened " 2 days after US Bank requested updated financials, et al, which I immediately provided. '' The next thing I know, I discover that the Notice of Default was again, filed. I was SHOCKED. 

I immediately made arrangements and made the loan current by paying {$13000.00} to cure the loan. 

Now, effective XX/XX/2021, the End of Draw period will occur. This means the payments will go from interest only to Amortized payments which will increase the payments drastically. I have been discussing this fact with US BANK for the last 2-3 months. I was told to apply for a new 2nd loan ... .. I have the loan application completed on the US BANK website, but I have not submitted. They have requested 2-3 simple documents which I have to obtain thru their website. Well, their website does not clearly provide those forms. I have called US BANK to ask questions and get more assistance however their customer service is non-existent. The banker, XXXX XXXX ( XXXX XXXX ) does not answer his phone nor has he returned my 4 voice mail messages. 

It's impossible with my work schedule to constantly call and navigate their system. I have gone to the local branches to get a face to face meeting with somebody in management, however, due to the Covid situation, the brick and mortar locations are not open for communications. They say to go on line. Hence my current situation. 

This is extremely unprofessional. I am a professional and would expect to be treated as such. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-10-19
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: JPMORGAN CHASE & CO. (KS)

There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided
Consumer complaint received 2022-05-26
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: CarMax, Inc. (GA)

In response to claim # XXXX through the CONSUMER PROTECTION FINANCIAL BUREAU CARMAX AUTO FINANCE claims they are not violating the cease and desist notice that was sent to them by me via certified mail. CARMAX AUTO FINANCE has sighted the Gramm-Leach-Bliley Act as grounds for their ability to report my non-public personal information. The act clearly states : You must give consumers and customers a " reasonable opportunity '' to exercise their right to opt out, for example, 30 days, after you send the initial notice either on- or off-line, before you can share their information with nonaffiliated third parties outside the exceptions. For an isolated consumer transaction, like buying a money order, you may require your consumers to make their opt-out decision before completing the transaction. 
Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. I was never given the option to opt out as stated by law. I am OPTING OUT OF CARMAX AUTO FINANCE SHARING MY NON-PUBLIC PERSONAL INFORMATION. CARMAX AUTO FINANCE alleges that communication of this alleged debt trough the credit reporting agencies is not communicating with me however, it is communicating with me, whether directly or indirectly, which is clearly a violation of the terms of a cease and desist which clearly states ANY medium.
Consumer complaint received 2022-06-09
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. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

I, XXXX XXXX, am the husband of XXXX XXXX, for whom I am submitting this complaint. We subscribe to XXXX XXXX from XXXX XXXX. On XXXX XXXX, 2020, my wife, XXXX XXXX, received a credit alert from XXXX  of derogatory information submitted to the three credit bureaus. It was from XXXX XXXX XXXX, of XXXX, GA, indicated she had an unpaid debt of {$250.00}. The open date was XXXX. On the day we received the alert, I called XXXX, and the responder could find no record of such a complaint or bill in their system, under either my wife 's name or SSN. XXXX is also known as ( XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX, aka, XXXX. Neither XXXX or XXXX has any record of an account or bill for XXXX XXXX, by name, address, phone, or email. Nor is there likewise any record of a business account. XXXX  is an internet company, but has no accounts in our home city of XXXX XXXX in our zip code, XXXX. Nor does XXXX XXXX, which was bought by XXXX several years ago. 

Today, XXXX XXXX, 2020, we received another fraudulent charge alert from XXXX XXXX. From XXXX XXXX XXXX, of XXXX, XXXX. I contacted them, with XXXX answering. They had XXXX name, DOB, and SSN. But the address was XXXX XXXX XXXX XXXX, XXXX, TX. As noted above, we live in XXXX XXXX, FL. XXXX never been to Texas, XXXX or otherwise. The bill in question was supposedly from XXXX XXXX XXXX, for {$440.00}, of which {$220.00} was a service charge, and {$220.00} was for returned equipment. We have never had an account with XXXX XXXX XXXX. However, I believe XXXX XXXX was bought by XXXX XXXX, which I believe owns XXXX, the first collection agency noted above. 

I have discussed this with both collection agencies, but have received no response. 

Please consider this as a complaint of both fraud and identity theft. 

Please confirm, and advise.