davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am submitting a complaint today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to file an identity theft report through https : //www.ftc.gov and Per FCRA section 605B, XXXX, Equifax and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report and, ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please see the ATTACHED documents to assist in the removing of the specified inquiries which are being posted to my credit reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

This complaint is against US Bank and their loan modification process. Attached is the complaint I filed with US Bank regarding my experience with their loan modification process. I started this process back in XXXX and have made the three required trial payments. I continually asked, when making these payments, if there was anything else I needed to do or any other documents I needed to submit. They always responded that I did everything they asked and submitted all documents. While I was in the hospital ( admitted XX/XX/19 ) waiting for XXXX XXXX XXXX US Bank called me and informed me that they stopped the loan modification process because I did not submit a required form. US Bank claimed that they sent me a letter by mail requesting this form. I never received this letter. It took me several attempts to find out what form they were talking about since they had previously stated that they had received all of the forms they needed from me.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Specialized Loan Servicing bought my loan from XXXX  XXXX XXXX in XX/XX/2019. 

Specialized Loan Servicing sent a letter stating I missed 2 payments. 

I called and received information to email the proof of payments showing I have paid, and on-time or before due. NOT ONE late payment. 

Specialized Loan Servicing sent another letter stating, again, that I have missed payments. 

I call them, again, to ensure they received the proof of payment. 

The representative ( hereby designated the abbreviation of " rep '' ) claimed I was not paying the full amount and that my interest is variable ( which it isn't ). The rep did not mention anything about seeing missing payments, only that I was allegedly underpaying. The rep stated I was underpaying on an amount that is LESS THAN I have been sending. 

Once I pointed this out to the rep, they claimed they could no longer hear me and that my cell phone must be going out of service. I was on a landline and stated that. 

They stated again that I am underpaying on the loan, while sending me letter that I am missing payments, when I have PROOF all payments have been made, on or before due, and in excess of the amount required. 

The rep stated again that I am not paying the appropriate amount, that I have a variable interest, and furthermore, threatened me with legal action when I requested the signed documents stating my agreement to a variable interest loan with them, as I never signed an agreement with them, as it was Specialized Loan Servicing who bought the loan from XXXX  XXXX XXXX. I stated again that I wanted copies of the documents, they stated again they would take legal action against me for wanting these documents. 

This company is claiming missed payments on paper, underpayment on the telephone, and is causing hardship for the people they are trying to scam out of money. If they can not accurately document the payments, but I can, how are they permitted to make threats/ move to foreclose on my home.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

There were promotional purchases that had huge interest rate increases if not paid in full. The expiration was not properly highlighted to me as I use paperless statements. It is buried in the normal monthly statement and even though they send out a separate notice that a monthly payment is due and the amount and the date they did not send out a separate payment that the special interest rate was expiring. I think this is done purposely to incur huge interest fees on people that are otherwise unaware that the promotion is expiring a year or two after it is applied. 

Even normal credit cards will send an email notice of promotions or something that is about to expire that is separate from the normal statement. I think this is especially egregious on a card that is used purposely for medical expenses. It prays on a separate set of the population unfairly.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I recently was given a kohls charge card and did a little shopping. I went to pay my monthly bill on the app but there was only a way to with checking acct. I then called their customer service to pay with my debit card as that is the only way I can pay. It says online and on the kohls site they accept payment by debit. But when I called they said they only accept payment with checking. Account numbers. I explained I had no other way and also took screen shots proving it shows they say they accept debit cards. They said its old print and they cant and wont accept it so now my credit is going to tank they wont work with me. Had I known this I would never have applied for this card. Im trying to build my credit not ruin it. What am I supposed to do can you help me this should not fall back against me and my credit Thank you XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Advance America, Cash Advance Centers, Inc. (TX)

XXXX XXXX XXXX /Advance america had a data security breach and my SSN was leaked on XX/XX/2023 and i and now my information is on the dark weband i want to sue XXXX XXXX XXXX  for my leaked information ASAP
Consumer complaint received 2023-08-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Hello Specialized Loan Servicing is in XXXX XXXX holder position in regards to my home located at XXXX XXXX XXXX, XXXX, MD XXXX. Recent months they have sent correspondence in reference to what I owe. I received a letter dated XX/XX/23. It was loan modification documents that they structured and sent out. I had a lot of concerns with it. The letter states to make sure you appeal no later than XX/XX/23. On XX/XX/23 I sent via fax, loan portal and email a copy of my appeal letter. Today on XX/XX/23 I recieved a letter confirming receipt of my appeal. I am submitting this to the CFPB because XXXX is known for not responding in a timely fashion or later stating they never received the documents. To protect my rights I am making CFPB aware of this so that I have a witness of the dates I submitted documents to protect me and ensure that my concerns are addressed. Thank you. 

P.S. Please be advised that this is a separate concern from the what was submitted under COMPLAINT ID XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I filed a complaint against all 3 of the reporting agencies last month XX/XX/, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, equifax XXXX XXXX ) have reported information on me without pemissible purpose XXXX5 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-06
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: EQUIFAX, INC. (NY)

My social security number is XXXX on XXXX credit report and equifax Credit report theirs is negative item that's 60 days late it supposed to be removed from my XXXX credit report and equifax Credit report theirs is a federal trade commission identity theft report on file please have XXXX remove the account and equifax
Consumer complaint received 2023-08-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

On XX/XX/2023, I received an email that my credit card was over the limit. This was shocking to me as I have not used this card for any purchases other than the initial purchase when opening the credit card, and have been paying at least the minimum every month so the balance due has been dropping slowly but surely. 

I called the company immediately to look into what I thought must have been fraudulent charges. The person I spoke with informed me that it was actually a {$710.00} fee that was just added to my account, putting me somewhere around {$440.00} over my credit card limit. They said it was the end period of some promotional something or other. 

I'm now in serious financial trouble due to this surprise fee. The company is requesting a minimum of {$440.00} payment this month, and we live on a very strict budget. I wouldn't know where to get an extra {$400.00} to pay this ridiculous minimum amount due. My car lease is up next month, and this has effected my credit score to the point that I will have to pay more monthly when purchasing. 

I have been working very hard to pay down debts incurred for living expenses during a life hardship. I always pay on time for everything, and pay more than the balance every time I am able to. Companies such as this one who prey on hard working people with these fees are a part of the massive problem in our society. If companies are allowed to continue to be manipulative like this, I and many others in my shoes will never be able to pay back debts and live comfortably instead of paycheck to paycheck and grasping at every XXXX. There has not been any communication of remaining due for any kind of promotion, and the minimum payment due was deceptive as it was not what was needed to fulfill the so-called promotional terms.
Consumer complaint received 2023-12-06
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: EQUIFAX, INC. (DC)

On XX/XX/2023, Equifax Ceditt Monitoring system took {$19.00} from my checking account. I called XX/XX/2023, to request a refund since I am not able to access my credit report. 

I spoke with Equifax in XX/XX/2023 regarding the message on my account that states " your credit report is not available. Try again ''. This has been this way since XX/XX/2023. I have requested refunds since I can not access my report although they have been paid every month.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (PA)

The Bureaus, Inc collection agency is very familiar with FRCA as it relates to proper debt validation. It is also acutely aware of the origins of the Consumer Financial Protection Bureau. And yet, at the risk of having fines imposed, among other things, this agency is taking advantage of me by violating my rights under FRCA and refusing to communicate with me regarding the validity of a debt they have placed on my credit file. 


I have made multiple efforts to engage this creditor in an effort to help me determine the validity of this debt and/or to reach an amicable agreement, if the debt can be verified. When I petitioned the CFPB, this entity like the CRA, XXXX, sided with t he collection agency, The Bureaus, ignoring my rights under the FRCA. ( XXXX   merely accepted whatever information the collection agency provided as debt validation ) I contacted The Bureaus in an effort to work out an agreement. I believe the representative whom I spoke with stated someone would get back to me. I have not had a business relationship with The Bureaus ; no contract, nor have they sent me anything in writing validating their legal right to collect debt in my state. I can not recall ever having any business dealings with The Bureaus , Inc . 

On XX/XX/2019, I mailed via certified mail a request to The Bureaus that they provide me with details of this debt that could help me understand how my relationship/contract, if applicable, with them originated. I asked for specific information that any other person might request to help formulate questions about a debt being reported on the credit reports. The FCRA allows for me to request this information. It also states that if the information is inaccurate and/or can not be verified, then the reported item in this case the collection account has to be deleted by the CRA. 

I am submitting another formal complaint submitted against The Bureaus , Inc. because they have ignored all of my requests to engage in an effort to bring closure to this matter. They have elected to only respond to the CRAs, and not to me, the consumer who is directly impacted by an item that they refuse to validate as outlined by FRCA. 

In every attempt to work with this creditor cordially, they have stalled, taken advantage of the CRAs, tricked this entity ( CFPB ) and responded in ways that avoid answering the center of my complaint ; that they refused to comply with FRCA and will not validate debt. Therefore, it ought to be removed from all three of my credit reports. 

I have attached the letter to The Bureaus of XX/XX/2019 and the signed certified receipt, which confirms by the U.S. Postal Service that The Bureaus received my formal request for debt validation on XX/XX/2019.
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion is still falsely reporting mariner finance on my report. they tell me there are XXXX accounts with that name but i see multiple, more than XXXX. plus they changed the investigation date without telling me. i keep providing all of these documents but they still report the accounts. this is against the fcra
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (WA)

During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late. I am appealing to have these taken off my account as they are inaccurate.
Consumer complaint received 2019-01-31
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: Ad Astra Recovery Services Inc (NV)

XXXX  has been non-compliant with removing the unverified account AD ASTRA RECOVERY SERVICES Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AD ASTRA RECOVERY SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Pentagon FCU offers free credit monitoring following an opt-in. However I am not trying to opt-out, and they have no method to do it. I've contacted customer service, who started a back office ticket. The back office was unable to disconnect me from credit monitoring.
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I was contacted on XX/XX/XXXXXXXX  to pay a debt for an ambulance ride in a city I don't live in on XX/XX/XXXX. They asked for my birth date to validate my identity. I asked what the call was regarding before I provide personal information. They said they could not answer until I had verified my identity. I gave them my birth date and they identified themselves as Phoenix Financial Services. They also said my birth date was one date off, they had the XXXX. I said well there you go it's not me. They said until I prove it wasn't me I'm responsible for a bill of more than {$2000.00}. I hung up and called the hospital they told me, XXXX XXXX in XXXX XXXX, once again, not where I live. They have a record of someone with my name, but incorrect middle initial, different parents names, different social security, and incorrect birth date as well. As the details diverged more, the hospital stopped being able to tell me more. I am not a patient in their system either so they could not help me further or send documentation.
Consumer complaint received 2019-09-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I clearly asked ic systems if they report to my credit as this loan has not been on my credit since XX/XX/XXXX. 

I was advise they IC systems does not report to credit. 

I clearly stated I am willing to work with this month if they do not report to credit. If they die I can not work with them until XXXX. 

The rep stated IC systems does no report to credit as they legally do not own my debt. 

Following this I was advise if I did not make a payment this month my loan would become a lawsuits against me. 

I just started a new job and can not afford anything until XXXX. They pushed me into a payment this month. 


I find it unlawful and misrepresentation as I was told they legally can not report to my credit due to not owning my loan. As of XX/XX/XXXX my credit went down 18 points as they did in fact report to my credit. 

I read reviews today XX/XX/XXXX that show other people were mislead as well.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (MI)

XXXX XXXX. Action was taken on XX/XX/XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX. Everyday since no action was preformed by the company no wouldnt get back to me about account
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!