davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

False charge off on phone company, I had no acknowledgment of debt, identity theft of fraudulent activity which the laws I will provide inaccurate information from debt collector of a false balance on my credit report.dates of account opening is incorrect to my acknowledgment the balance is not due from my XXXX is not due by me balance of XXXX is also not by me please lets get this resolved if forced i will foward the commanding laws of my rights to project my innocence.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VT)

I was pre-approved for a mortgage with PennyMac. We were set to close on XX/XX/23. They have had the signed purchase contract since XX/XX/23. We locked a rate on XX/XX/23 of 4.99 % for a 15 year fixed conventional loan. Yesterday ( XX/XX/23 ) they tell me the rate was never locked, and that rates had gone up and best they could do was 5.87 %, yet I had emails from them proving it was locked. They asked me to send those emails to them. I did. Today ( XX/XX/23 ) they call me and tell me they can't fund my loan. Clearly they didn't want to lend at the lower rate I had locked in. Now, me and my family, including a XXXX XXXXXXXX vet, XXXX kids, and pets are going to be homeless as we are living in an XXXX  until we close. This should be criminal.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NC)

Citibank accepted a large cashier 's check into their customers acct with no signature. Citibank was made aware that the XXXX cashier 's check that was deposited was scammed from me. My bank got back XXXX from citibank from the acct it was deposited into and my bank ( XXXX ) is closing the claim. I as an individual would like to go after citibank for the balance that was not recovered. They made a deposit of this cashier 's check without the proper identifiers to do so.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have noticed fraudulent information on my credit report in regards to employers : A ) Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never worked for this companies. Please remove this info from my report. 

Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX All other information is incorrect and fraudulent.
Consumer complaint received 2024-08-02
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: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/year>, I applied for the Amex XXXX XXXX XXXX card. After meeting all the requirements for an open account welcome offer, I didn't get it. 

Now, Amex is telling me they are not giving me the offer because they declined the offer during my application process. However, I didn't see anything when I was opening the account. 

This is the first Amex XXXX XXXX XXXX I have ever applied for, and I have never closed any Amex card.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I have been in a ongoing dispute with Discover Card over several issues. An online merchant advertised a free trial period yet continued to charge me. I tried to cancel the subscription by logging in but to no avail. I reached out to Discover Card and the customer service rep reported the card as lost, rather than stolen. The merchant continued to charge me and it was only after too late and I had to clarify the charges were fraud. The account has been closed but Discover is still saying I'm responsible for the charges. Discover Card has been generally unhelpful, uncommunicative, and non-cooperative in this investigation.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (SC)

In XX/XX/2023 I received a letter in the mail informing me that my auto loan with Bank of the West was being transferred to BMO BANK. All future payments beginning XXXX XXXX were to be made to BM0 Bank, On XXXX XXXX I authorized XXXX XXXX XXXX to send BM0 Bank {$900.00}, ( XXXX XXXX XXXX  ) from my checking account, This transaction was made by electronic banking services which I use to pay my bill, In the authorization of this first BMO payment I entered an inaccurate account number. To this date BM0 has denied receiving the payment XXXX XXXX XXXX  has been assisting in tracking this payment, Numerous telephone calls have been made and recorded by both banks. As of our last XXXX party conference call on XXXX XXXX, B3M0 Bank disconnected the call abruptly with no resolution or explanations, XXXX XXXX XXXX  informed me they will have their legal debt, review the matter and suggested I report this matter to The XXXX
Consumer complaint received 2024-08-02
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. (MO)

Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that SANTANDER has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-10-02
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 attempt to inform you that I am a victim of identity theft and that I wish to query certain records in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 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 2024-08-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (PA)

I received the attached letter from Comenity/Kay XXXX regarding a credit card that was being opened in my name. I called XXXX to complain and to stop the credit application process. I spoke to XXXX and her supervisor. They wanted them to give me my personal information so they could access the application/account. I gave them the 15-digit number on the letter, but that was insufficient. They would do nothing for me so I disconnected.I then called my credit protection firm XXXX XXXX and spoke to XXXX and reported the fraud.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I hereby declare that I do not, and have never consented to any contract purportedly established between myself and LVNV Funding, as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 
As no such contract exists, between myself and LVNV Funding I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with LVNV Funding. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (KS)

A debt of {$1600.00} shows up as in collections on my credit report. It says this was opened on XX/XX/year>. I haven't received any mail or phone calls regarding this debt and would like to dispute it.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

On XX/XX/year> I agreed to a lump sum payment of {$2800.00} to get up to date with an escrow deficit claimed by Penny Mac on a 30year mortgage held by same. Prior to XX/XX/year> 's payment I was notified that because of a {$20.00} quarterly increase in my property tax they would now increase my monthly payment by over $ XXXX month. My husband and I ( joint loan ) have each spent several hours trying to obtain backup or justification for this 2nd increase in 6 months. Despite escalating to several supervisors and promises to send the information we have not received anything. This would be a nearly $ XXXX increase on a XXXX loan within 7 months. Please help us to understand how this could possibly be legal. Thank you.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

On my XXXX credit report it is showing a hard incury from JPMCB Bank Credit Card on Inquiry date XX/XX/year>. I have not applied for any credit cards in 2024 and I feel my information may have been used to get credit as fraud. 
I have advised oth XXXX and JPMCB of this and the Incury has yet to be removed.

Please help me with this as it was not I that made this credit request and it is hurting my credit score. 

This is the company that it shows : JPMCB Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (CA)

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Complaint against Citizens Bank On XX/XX/year>, at approximately XXXX XXXX  CT, I discovered that my account with Citizens Bank had been frozen for an " account review. '' This action was taken without prior notice or explanation, leaving me unable to access over {$56000.00} in my account. As a customer of over three years, I regularly maintain an account balance close to {$100000.00}, making this account freeze particularly unexpected and unjustified. 

I immediately contacted Citizens Bank 's customer service to inquire about the freeze and seek a resolution. Unfortunately, I was informed that there is no specific timeframe for when my account would be unfrozen. Additionally, I was not provided with any steps or information on how I could expedite this process or gain more details about the review. 

During my interaction with a supervisor named XXXX, I found her to be extremely unhelpful. She reiterated that there was nothing more that could be done and provided no additional assistance or clarification. This lack of support and transparency has left me in a difficult situation, especially considering that my rent is due imminently, and I am unable to access my funds to make the payment. 

I believe Citizens Bank is wrongfully holding my funds without valid justification or proper communication, causing undue stress and financial strain. I am seeking the CFPB 's assistance to investigate this matter and ensure that my account is promptly reviewed and unfrozen. Additionally, I request that Citizens Bank be required to provide clear communication and justification for any future account freezes.

**Resolution Sought : ** 1. Immediate unfreezing of my account and access to my funds.


2. Clear explanation and justification for the account freeze.

3. Assurance that such actions will not occur in the future without proper notice and justification. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
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: JPMORGAN CHASE & CO. (FL)

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase has allowed an unauthorized inquiry on my XXXX and XXXX credit reports that i want removed. Attached is a word document which is the exact letter i printed out and sent to Chase via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Consumer complaint received 2024-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (NM)

I applied for a XXXX XXXX XXXX, and the broker attempted to mislead me into refinancing the home. Several times, I stated that I did not want to make changes to the current mortgage. He never once said the word refinance and I only discovered this when I reviewed the documents towards the end of the process. He also did tell me that it was important to sign the documents before the end of the day to lock in a 'flash sale ' in rates.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Account- Bank of America Account number- XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. Bank of America is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. Bank of America, XXXX, XXXX, and XXXX do not have my consent to furnish this information. Any and all consent to XXXX, XXXX, XXXX, and Bank of America whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Bank of America never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures at this time. 

12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.