davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) left a message regarding a debt that my brother and his girlfriend have. I am not a cosigner nor have anything to do with the loan. I don't know how they obtained my house number, the number is not even under my name nor is it connected to my brother in any way. I called and asked them to take my number out of the system and not to call again, a representative ( did not get his name, was a Male with a heavy XXXX accent ) assured me my number would be taken off. 
XXXX19 XXXX I get home and there is another message from XXXX XXXX I called again and explained this issue to Ms. XXXX, whose response was " mam, can you calm down? '' Mind you I wasn't yelling or anything, I was just frustrated that this company XXXX  their way into my house phone number and are taking liberties they shouldn't be taking. Instead of an apology or acceptance of their wrong doing, I got an attitude. Now, I don't know much about debt collection practices but I don't think that the company can XXXX their way into contact information of family members of their clients and contact them regarding a debt they have nothing to do with it. Also, by calling and leaving messages about debt collection they are dispersing information about overdue payments regarding their clients.
Consumer complaint received 2023-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

1.The lender, XXXX 's servicing agency took my mortgage payment through XXXX on XX/XX/XXXX, put it on hold and initiated foreclosure against me for the payment that is still unapplied. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. XXXX. XXXX ( see also Loss Mitigation Affidavit attached ) XXXX.The lender XXXX refused loss mitigation and foreclosure prevention efforts and continued foreclosure in the XXXX XXXXt of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, for the payment it has on hold and unapplied XXXX, I filed a XXXX XXXXXXXX XXXX plan to reorganize the debt but, XXXX XXXX  XXXX XXXX claims in the bankruptcy court that alleged it held a corporate assignment from XXXX dated XX/XX/XXXX. However, that was false and the claim was disallowed but, the court XXXX a lien to XXXX XXXX  although proof of a claim of a XXXX did not exist.

XXXX.There was no corporate assignment dated XX/XX/XXXX, between XXXX and XXXX XXXX  before the bankruptcy filing on XX/XX/XXXX. The corporate transfer violated the bankruptcy automatic stay and occurred XX/XX/XXXX and recorded on XX/XX/XXXX. ( see Rushmore Loan Mang. Response to CFPB Complaint dated XX/XX/XXXX, XXXX. No. XXXX ) ( see Motion for Reconsideration attached ) XXXX. On XX/XX/XXXX, I paid the XXXX XXXX bankruptcy plan to completion and filed a motion to avoid a XXXX however, the court stated it consented to XXXX XXXX XXXX transfer during the automatic stay. My certificated of completion was denied and my motion to avoid a XXXX was also denied. Therefore, I have filed an appeal. ( see case No. XXXX XXXX and XXXX cv XXXX ) XXXX. XXXX took my mortgage payment put it on hold and initiated foreclosure in the meantime, I paid for a reorganization plan to completion but, XXXX XXXX  was granted a lien it did not have. I have paid my bills and yet losing my home. ( see Jet pack ) XXXX. I need help. My mortgage balance before my rights to homeownership and credit was {$XXXX} at 2 % interest. After XXXX took my mortgage payment, unapplied it and initiated foreclosure my mortgage balance is now {$XXXX}, ( see recent mortgage statement ) XXXX. When the same incident occurred with XXXX  XXXX XXXX the institution refunded my money and offered home retention programs. I believe XXXX and XXXX XXXX  are XXXX  me.
Consumer complaint received 2023-01-08
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: Avid Acceptance, LLC (AZ)

This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX PAYPAL sent me an email at XXXX EST stating " Congratulations, XXXX XXXX XXXX! XXXX been selected to apply for the PayPal XXXX XXXX XXXX. ". On XX/XX/XXXX PAYPAL sent another email stating " Thank you for your recent PayPal XXXX XXXX XXXX credit card application. We regret to inform you that we were unable to approve your application for a PayPal XXXX XXXX XXXX credit card account ''. PAYPAL is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. 

I, XXXX XXXX, the consumer and natural person, was denied credit by PAYPAL when I mislead to applied for the PAYPAL XXXX XXXX XXXX Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by PAYPAL due to the response I received. PAYPAL is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PAYPAL. 

If PAYPAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

Sent notarized debt validation letter on XX/XX/XXXX, Via Certified Mail Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had 10 days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX it is now XX/XX/XXXX and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been contacted multiple times. I also note the company is not licensed or registered in my state nor has provided proof of such information as requested.
Consumer complaint received 2019-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Over the past several months, I have been unable to initiate an online dispute with the Experian credit bureau. I have noticed that whenever I call, the representatives ( a ) rarely listen to my concern ( b ) often transfer me to another department that does not help ( c ) or, they flat out lie and tell me that it is another issue and offer to take the dispute over the phone. 

There are multiple inaccuracies on my credit file which have negatively impacted my credit file. I have initiated a few disputes with representatives online but have no evidence/confirmation/statuses of those disputes. ( my wife has been able to initiate an online dispute successfully with full access to all features ). 

The membership that I pay for allows me to view my report. The report has an option that allows me to initiate an online dispute, but when I click on the option, I am constantly getting an error message instructing me to call. The representatives are mildly demeaning and rarely listen. 

I am often transferred or left on hold but overall, completely ignored.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (OH)

XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
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: Synovus Bank (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, Proof of Address and SSN card.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (MN)

I have a prepaid rewards card where the funds don't expire where I am trying to figure out the balance. I've contacted the company multiple times about this and requested a response in writing. No of the information has been helpful. The company claims they can not find information regarding the card. Photos of the card are attached. 
Additionally, the company claims they have confirmed the with their customer service team and I may visit their website, myprepaidsolution.com, to register the card. Once registered, I will be able to review any remaining account balances, as the verified funds no not expire. Any remaining balances can be arranged to be issued to me in the form of a cashier 's check sent to my mailing address. 
This is an issue with this claim. This card has been registered for months on the website given. If the website would give the balance there wouldn't be a need for me to contact the company. So the statement that they will see the balance there when it is register is simply incorrect and a blatant lie. I've attached a screenshot from my account at that website to show where it will not show any balance. 
I simply want the money from my card where the funds DO NOT EXPIRE and this company will not grant these to me. This company is stealing money from me. How many other customers is this company taking advantage of and stealing from by not telling them their balances and giving them their money? 
The company claims they have exhausted all options to resolve this issue. Pretty convenient for them to exhaust all options when they can just steal the money. I've provided all the information for this issue to be resolved by the company. The company is just not doing anything to resolve the issue and claiming they have done everything. Maybe, just maybe, they don't want to do anything because they can just keep this money from customers if they claim they have done all they can.
Consumer complaint received 2023-01-08
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: LEXISNEXIS (CA)

XXXX XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false.

I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.
Consumer complaint received 2023-01-08
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: FIRST NATIONAL BANK OF OMAHA (AR)

XXXX is reporting the wrong amount on bureau because of fraudulent charges not done by me. The balance is {$9100.00} but I only had charged {$3200.00} dollars. Please block and investigate fraud charges.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

My daughter went to XXXX XXXX XXXX last year with a fever. No treatment except for a XXXX test which came out as XXXX. They charged us {$250.00}. We tried to dispute and get insurance to cover it for several months, but finally gave up - not enough time in the day as we both work full time. 

The bills was paid on XX/XX/2022. I received a collection notice from " Renton Collections , Inc ''. They are attempting to collect a debt that was already paid off. I am not sure if this an attempt at fraud from XXXX XXXX XXXX ( double dipping ). 

I am sending a letter to the Collection Agency disputing this notice and am also contacting XXXX XXXX XXXX. The latter company has been incompetent in handling our bill, including miscoding entries which lead to insurance denial. 

Any assistance CFPB can provide to stop this XXXX XXXX XXXX  XXXX from fraudulently attempting to collect a debt twice will be appreciate.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

about 3or 4 year ago LVNV FUNDING TOOK ME TO COURT AND TRY TO SUE ME FOR XXXX THAT WASING MY I INFORMEND THEM THAT SOME ONE STONE MY ID ON BLACK WEB.AND IAM NOT GOING TO PAY FOR A CREDIT CARD THAT WASING MY.SO ON XXXX THEY SEND ME ANOTHE THREATING LETTER IN THE MAIL.TELLINME THE ARE GOING TO HAV ME AREST AND CONTACT MY JOB.AND ONTHER THREATING MASAGE.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

XXXX Credit Card : Comenity Bank. 
This account was paid in full and closed in XX/XX/2022. Since the payoff and closure, this company has continued to charge fees amounting to {$150.00} on this account and refuses to reverse them, even though I paid 100 % of my balance and requested the account be closed. They are now reporting that I am 30 days late paying them to the credit bureaus without sending me a single statement explaining the fees or why I am being charged. This is fraud.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

This is a continuation of XXXX. According to my records, Comenity should credit my account {$48.00}, rather than the {$43.00} mentioned in their last response. The level of inattention to detail that Comenity offers to its customers is hard to believe. Please contact them again about this. Thank you.