davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

XX/XX/2020, I had initiated a dispute of alledged debt collection for the amount of {$1900.00} out of which they were willing to settle for {$950.00}. In that letter, I cited the collection agency 's obvious violations of FCRA and FDCPA which requires to provide me with " validation '' that is competent evidence bearing my signature, showing that I have { or ever had } some contractual obligation to pay such claim. 
XX/XX/2020, the Collection Agency sent to me a nine page print out of bill statement, claiming that was their only bases for the verification and validation of the alleged debt. 
XX/XX/2020, I responded to their letter and yet calling the company out on another violation : FTC opinion letter from Attorney XXXX. XXXX XXXX, which contends that a printout of a bill or itemized document does not constitute verification. And they again failed to provide me " verified '' proof bearing my signature. 
I am filling this complaint with hope that The CFPB will intervene in this matter in reaching a quick resolve. 
Thank you.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. Experian removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company initiation of fraud investigation -I did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.
Consumer complaint received 2020-10-06
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. (LA)

I agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.
Consumer complaint received 2020-10-06
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. (LA)

I agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.
Consumer complaint received 2020-10-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Dear CFPB, Please find my complaint against XXXX and PennyMac for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if PennyMac paid for my taxes. 

XXXX XXXX  had no records that PennyMac paid my taxes - but it was done by XXXX who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed PennyMac from their XXXX system, PennyMac was unable even pretend to do any servicing functions. 

PennyMac on XX/XX/XXXX told me that XXXX as their " tax vendor ''. 

XXXX previously claimed that XXXX has no relationship to my loan. 

Since XXXX  is now my " tax vendor '', I demand XXXX  to confirm their status as PennyMac 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom PennyMac and XXXX are servicing. 

XXXX informed me that Servicing rights were transferred to PennyMac ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) PennyMac continue to insist that they PURCHASED my loan from someone whom PennyMac can not identify. XXXX never mentioned any sales of my loan to PennyMac. 

I demand PennyMac to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX/XXXX.. My taxes are paid by XXXX who bear to repeat deny their relationship to my loan. 

PennyMac continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that PennyMac is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are XXXX  and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the XXXX ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or PennyMac, but rather with XXXX XXXX and XXXX, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by XXXX from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.
Consumer complaint received 2022-07-22
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. (IL)

I have repeatedly submitted accurate paperwork to the credit bureaus Experian, XXXX and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau Experian, XXXX and XXXX had showed the account as having XXXX positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from Experian from XXXX and the same account with credit acceptance in XXXX.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

on XX/XX/2022 made a payment to XXXX of {$170.00} for XXXX XXXX card.After XXXX months of dealing with XXXX they sent me a letter confirming the money was forwarded to Comenity Capital Bank.Call Comenity Bank many times can not get an answer where my money went.Call my bank that made the payment XXXX they gave me a tracking number XXXX and conformation number XXXX. They told me if they do not know where my money went there payment system should be investigated.Been paying XXXX on the XXXX of ever month for XXXX years got a statement in XXXX i payed it like i have always done. In XXXX first staement from Comenity with late fee saying i did not pay them.How can i pay them in XXXX when XXXX sent me a statement to pay them and i did not get XXXX from them until XXXX bank told me if my money is not found they would take futher steps
Consumer complaint received 2020-10-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CORELOGIC INC (MI)

Dear CFPB, Please find my complaint against CoreLogic and XXXX for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if XXXX paid for my taxes. 

XXXX XXXX had no records that XXXX paid my taxes - but it was done by CoreLogic who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed XXXX from their MSP system, XXXX was unable even pretend to do any servicing functions. 

XXXX on XX/XX/XXXX told me that CoreLogic as their " tax vendor ''. 

CoreLogic previously claimed that CoreLogic has no relationship to my loan. 

Since CoreLogic is now my " tax vendor '', I demand CoreLogic to confirm their status as XXXX 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom XXXX and CoreLogic are servicing. 

XXXX informed me that Servicing rights were transferred to XXXX ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) XXXX  continue to insist that they PURCHASED my loan from someone whom XXXX can not identify. XXXX never mentioned any sales of my loan to XXXX. 

I demand XXXX to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX.. My taxes are paid by CoreLogic who bear to repeat deny their relationship to my loan. 

XXXX continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that XXXX  is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are CoreLogic and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the King ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or XXXX, but rather with XXXX XXXX and CoreLogic, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by Corelogic from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I made a purchase from XXXX XXXX XXXX XXXX  XX/XX/XXXX. The purchase was for {$2700.00}. I was told that I could pay a small portion up front ( mostly taxes ) and finance the remaining amount INTEREST FREE over the next 12 months. 
I signed up for their credit card and was approved. 
They sent me my first statement and stated the amount I owed each month ( {$230.00} ). They stated a payment due date and I set up an autopayment which allowed them to charge my bank card the amount they set out on the date they set each month. 
These payments were made regularly with no issues until the last payment. They debited my bank card the remaining amount on my statement ( {$190.00} ) and then sent me an additional invoice the next month for {$420.00} in interest charges. I immediately e-mailed their customer service department asking someone to contact me by phone to discuss. They sent me a letter saying they had tried, but I had not received any calls or voice mails. I received a letter at the end of XX/XX/XXXX saying they had attempted to contact me. I phoned the customer service line XX/XX/XXXX when I received this notice to set up a dispute and received a letter later in XXXX. I sent another letter back XX/XX/XXXX and received another letter XX/XX/XXXX stating they would not support my claim. 
I have been trying to dispute this charge ( see attached letters and statements ), but they say I still owe this amount. They have continued to charge me interest on this during the dispute process.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

I opened up a Citigold package account in XXXX 2021 which would give me {$1500.00} bonus once I have {$200000.00} combined balance In there and keep the balance for 90 days. I completed the requirements and hadnt see my bonus posted yet. I called when I opened the accounts and I was told she can see the code. I called in XXXX and the representative assured me the bonus will be posted within 6-8 weeks after I completed the requirements which has passed.
Consumer complaint received 2020-10-06
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: Resurgent Capital Services L.P. (CA)

I recieved my first email from LVNV on XX/XX/2020 requesting attention be given to a credit card account that I was unable to pay due to being unemployed. I remember thinking, how unprofessional it was to request payment be made for a debt at the very time COVID had started to affect employment, causing employers to shut down and stay in place orders were in place. At that time I was recieving only Welfare as income and food stamps as food. LVNV continued to contact via email at least once a week to place their payment before the immediate needs of what the pandemic had already caused. Statements such as Fullfill your obligation, resolve your responsibility, if you take care of matters now, then you can get back to what matters, just to name a few. The following is a list of dates this year 2020, that I recieved emails into my personal email account from LVNV, from the very first to current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have all emails sent from company and can forward if needed. Initial person of contact was XXXX XXXX, the XXXX XXXX, now its been consistently XXXX XXXX. I jus strongly feel this company have been extremely inappropriate to contact as much and say the things they do to collect a credit card debt when the main global concern at this time is COVID-19 deaths and continued loss of employment opportunities.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

EQUIFAX had a major data breach in XX/XX/XXXX, after which I placed a freeze on my account. 

They issued a PIN number to be used to unfreeze the account, which I dutifully kept for 3 years. 

When I wanted to refinance my mortgage, I needed to unfreeze my account. 

HOWEVER, Equifax is making it impossible to unfreeze my account online ( which I tried ), or over the phone ( which I also tried, after correctly answering 8-10 questions about my credit history through their automated system ), and they no longer accept the PIN number they issued. 

They are asking I FAX or MAIL a copy of my driver 's licenses and social security card. No one has a FAX machine anymore, and MAIL is unreliable. Due to the delays, I will incur costs if the rate on my mortgage changes between now and when EQUIFAX decides to stop holding my personal information HOSTAGE. 

EQUIFAX should be barred from the industry. They are not serving their customers or fulfilling their duty!
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (FL)

On this date XX/XX/2017 company opened a collection. 
Account # XXXX {$950.00} that I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hello, On XX/XX/2021. I purchased a pool from XXXX for {$500.00} and did not receive it. So then I tried contacting them to get a refund. I found the phone number online. I was told that the seller was fraudulent and that he/she was from XXXX. That the only way for me to retrieve my money was to convert it to cryptocurrency. So they had me download the app XXXX and XXXX where I made two accounts. Then they had me transfer money from my savings account to my checkings and proceeded to give me numbers and names to whom I will have to send the money through XXXX. As well as adding money to both of the XXXX  accounts through my chasse and XXXX accounts. Then they said that to retrieve my money I will need to purchase gift cards ; target, XXXX, XXXX XXXX. This has been going on from XX/XX/2021 to XX/XX/2021. I have purchased 15 gift cards and the total for all is {$4400.00}. These were purchased with cash, credit, and debit. And they are telling me to purchase more but I will not because I am now realizing how stupid I am and that this is a scam. I have contacted my bank because they have stolen my life saving since I was XXXX years old from me ; {$22000.00} that I had in my savings account. Plus all the money spent on the gift cards. But the bank is telling me that they can not help me because I gave these people the " ok '' but I only did it because I was promised to get it all back. So all they can do is provide me my bank statements and go to the police but without any guarantee for help. As for the gift cards I have contacted the companies and they are willing to work with me with the police but no guarantee either. I don't know what else to do. I am so stressed and I can not help but cry. I will go to the precinct tomorrow and hope for the best. I have the names and numbers of all the supposed customer service employees I spoke to. I have receipts and proof of everything I have mentioned. I also have a fake invoice of my chase refund that they sent me which I will attach below. I really hope someone is able to help me.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

Holloway Credit is attempting to collect a debt they can not legally verify and the statute of limitations has expired. Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I am experiencing repeated lease denials due to issues with my Experian credit report. Experian 's inability to provide effective customer support and their lack of accessible online services are unacceptable. It is unfair and cruel that I can not access or manage my own information and must rely on an unresponsive company for approvals. This situation not only reflects Experians inadequacy in handling consumer information but also constitutes a violation of fair housing practices.