davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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: LAND HOME FINANCIAL SERVICES (PA)

We lost our home in a XXXX XXXX  days before XXXXXXXX XXXX. We notified the company the following week, due to the XXXX  and XXXX XXXX. We were told not to worry about any payments during this time, that the insurance company would issue the proceeds from the XXXX policy and pay off the loan since the house and everything in it was a total loss. Due to the XXXX and the XXXX XXXX 's policies regarding total loss, they needed to certify what happened to the house, which took well into XXXX. We kept the lender updated as to what was happening and as soon as the investigation was completed, funds were issued and sent to the lender. We waited for over XXXX  months AFTER the lender had the check for them to pay off the loan! As if it wasn't bad enough losing everything, and being told things were good on the lender side, we came to find out that the company was reporting XXXX, XXXX, XXXX and XXXX all as late on the credit report when they told us not to worry about the payments and when THEY HAD THE PAYOFF CHECK!!! To add insult to this whole situation, during this time, they also initiated a foreclosure on the home! We have disputed the credit report several times and received nothing out of it but a form letter response and nothing has changed. This isn't right! We need to get another home and a loan for it, but can't now because of their recent reporting on the credit report. ( We have denial letters stating this is specifically the reason why our application was denied ). Even though this company has lied to us, charged us thousands in unauthorized fees and charges with no explanation, and denied us numerous requests for information and records, we aren't seeking any monetary damages or refunds, we just want this information removed from the credit report immediately so we can move on with our life, part ways from this lender, and never again cross paths with each other or continue to fight this same battle month after month.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (PA)

Comenity bank contacted a relative via phone and left a voicemail message for me regarding a debt. My relative has never been associated with any of my accounts, nor is my relative an authorized user or account holder. 

I've previously spoken with them, they issued a credit card and then revoked it after I submitted the required information and would not explain why, only that it was fraud ( it wasn't ). 

I further explained that I would no longer communicate with them as to their lack of transparency and poor customer service.
Consumer complaint received 2024-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (AL)

Our mortgage was sold to Selene Finance at the end of XX/XX/XXXX. We received multiple letters stating that they did not have the address set up to send in payments and that they would inform us where to send the payment. They sent another letter saying that they changed the address for payments and they would not send out late payments. We received no correspondence via email from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX and XXXX XXXX could not open an online account using our zipcode, social security numbers. we tried XXXX times and all attempts failed. The plan was to establish an online account to pay mortgage XXXX XXXX was paying via phone. Customer service was non-existent for the XXXX XXXX  months of the loan ( XXXX to XXXX ) because Selene would not answer the phone nor respond to emails. A few of the emails were responded to a month later. They just installed an auto generated response email that lets you know they received your email. Once we finally was able to speak with a customer agent he helped us set up the online account and that's when we set up auto pay. I discovered that the mortgage was late because all XXXX of my credit alerts went off and I immediately took action and paid the mortgages that day! Theie communication, their technology, their customer service is horrible. We own multiple businesses and are real estate investors. we currently have 4 mortgages and take our credit seriously. when I spoke to an agent, I asked why were we not emailed, called, etc way before this why did it take alerts on my phone to alarm me of this issue. XXXX was making payments via the phone and one of the payments did not process apparently. We believe there was a glitch and our info was not in their system and so the payment did not process Selene will not take any responsibility for their inadequacies and now we have 60 days late reported. we've had amazing credit up to this point in our lives. 
Problems with Selene 1. lack of timely response 2. horrible and non professional customer service ( one of the agents very helpful ) 3. ON boarding process and technology is antiquated 4. Website would not acknowledge customers who had already made a few mortgage payments
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (TN)

XXXX XXXX XXXX keeps reporting the wrong about and ruining my credit even thought the debt is under my bankruptcy. My attorney has tried to reach them. I have sent the paperwork over and they refuse to remove the debt even though its illegal
Consumer complaint received 2024-09-02
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Im in the process of purchasing a home. i paid an attorney representing target by phone the other day. I need tis info to update on my credit report asap. i've attached the receipt. The attorneys office was making it seem like this would be a long drawn out process and i dont have that time
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I made a payment during the transitioning period for Mohela and that payment of {$1000.00} has been missing since XX/XX/2024. I've called in XXXX to let Mohela aware of this issue, and waited their 90 days so they can fix it and still my issue has not been resolved. I've contacted them again, after waiting their initial 90 days for them to fix it, to let them know that the issue still hasn't been fixed they stated, " They will highly prioritize the issue ''. I provided confirmation email of that payment as well as a bank statement of that payment and waited their highly prioritize, 7- 10 business days and still it has not been resolved and my {$1000.00} payment is missing. All they tell me is to continue waiting the days it will take for them to fix it and it still doesn't get resolved. I did all the necessary steps they have asked of me, waited over 100 days and my payment of {$1000.00} is still lost/stolen by Mohela.
Consumer complaint received 2024-09-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (FL)

THIS IS THE THIRD ATTEMPT TO GET GIFT CARDS.COM TO RECTIFY AN ERROR IN MY BALANCE. 

THE REMAINING BALANCE OF THIS CARD SHOULD BE {$27.00}. 

HOWEVER, GIFT CARDS COM SHOWS BALANCE AS {$13.00}. 

I HAVE BEEN SHORTED IN THE AMOUNT OF {$13.00}. 

In responding to CFPB complaint # XXXX the gift card.com person submitted a transcript of the charges to the account which started at {$100.00}. 

The transcript shows five ( 5 ) charges all on XX/XX/XXXX. The charges total {$72.00}. SEE ATTACHED No explantation is provided in the response as to the {$13.00} discrepancy. 

Has the rep even bothered to add up the charges against the balance he/she would have seen that the balance SHOULD be {$27.00} not {$13.00}. 

I did contact XXXX. They claim that they only charged {$27.00} to the card and are not holding any unfunded amounts. 

I also filed dispute # CS XXXX after speaking to the rep at the XXXX XXXX XXXX number. 

The telephone rep agreed with me that the amount shown as the balance is WRONG and should be updated to reflect an available balance of {$27.00}.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (LA)

Purchased an XXXX in XXXX due to it being lost and needing to have connectivity to return to the XXXX. XXXX website advertised financing of the phone at interest free monthly installments in both XXXX and XXXX websites. Apple Card by XXXX XXXX will not convert purchase into interest free monthly installments. No exceptions for international purchases are posted or in fine print.
Consumer complaint received 2024-09-02
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: SANTANDER HOLDINGS USA, INC. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

I asked for a 1 month extension to find a new vehicle and was aproved for it. I sent the paper work and check to pay for 1 month and shortly thereafter returned the vehicle. 

Ally said they never received my signed documents and charged me over {$1300.00} for there daily after lease rate. my monthly lease is much less so they chose to charge men the higher amount.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (NV)

I have no knowledge of this account with National Recovery Agency nor do I have a contract with National Recovery Agency. They are violating my consumer rights by furnishing false information on my credit report. National Recovery Agency are in direct violation of 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 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2024-09-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (AZ)

I was transported to the hospital in an ambulance in the summer of XXXX. Insurance was supposed to cover this, and I have been trying to fight this charge for years. It has now been SEVEN years and the collection remains on my account because they changed the year to XXXX. It was from the year of XXXX. I requested records from the hospital that I never received with exact pricing and dates.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (FL)

on XX/XX/XXXX my company received a wire request for payment for services completed by XXXX XXXX and XXXX XXXX, a contracting company that we conduct business with. The wire request came with the companies letter head but from a false email address, which had an additional letter in the middle of the address, with false bank account information, we sent the wire out on XX/XX/XXXX for {$130000.00} From our operating act. at XXXX XXXX in XXXX XXXXXXXX XXXX, Florida, XXXX to BMO HARRIS bank IN XXXX Illinois. the funds were transferred under the pretense that they were being deposited into an account of XXXX XXXX and XXXX XXXX. When we called to verify the transfer, our representative at XXXX XXXX and XXXX XXXX informed us that they had not received the funds and he believed we had been scammed, we called our bank to initiate a wire recall, I also filled out police reports and filed a claim on the FBI website, on XX/XX/XXXX we received {$11000.00} of the missing funds back from BMO HARRIS bank. since then BMO HARRIS has been subpoenaed for the account information of the individuals acting as XXXX XXXX and XXXX XXXX with no results, and the fraud team from XXXX says the can not do anything to help, I believe that the funds should be covered by the receiving bank as they received the funds into an account that was depicted as a legitimate business account but was opened by criminals
Consumer complaint received 2023-05-09
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: Affirm Holdings, Inc (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 instruction.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to the consumer protection laws.
Consumer complaint received 2023-08-12
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. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX Owed : {$11000.00}.
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected 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 2024-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I initiated an instant transfer of {$100.00} to my XXXX  account on XX/XX/year>. The transaction said that it failed and something went wrong. When I went back to my Venmo account, my balance said {$0.00}, and the transaction did not show up in the completed transaction setting. I spoke with an agent ti get this cleared up and they stated that this was an issue that the XXXX  team had to resolve and they would push my case as a priority, I needed the conversation with the problem not being resolved. I spoke with another agent a week after that and received the exact same response from them, only this time the agent believed that the instant transfer went through, when that was not the case at all. Which leads to me to believe that this company is running a scam that is taking money from people via instant transfers and leaving the consumer hanging by not resolving their issue. I can not do anything about this on my end and other than talk with more agents who dont know what theyre doing.