davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On the morning of XX/XX/year> I received texts in rapid succession from 4 numbers related to a loan request that I did not initiate. In each case I replied STOP and then received the next text from a different number. In one case I was advised to STOPALL, which I did. 
I then received an email from Transunion advising that a credit inquiry had been run. 
I was able to see an unauthorized inquiry on my account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX I called XXXX XXXX XXXX XXXX XXXXXXXX to advise that I did not apply for credit. They advised me that I was approved through an online application. I have not filled out any requests for a loan in years. They agreed to investigate saying that they would get back to me in 5-7 business days.

I put a freeze on my Transunion credit report.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I questioned a charge on PayPal- I later contacted PayPal 5 times including today - the bank credit card advised PayPal twice - PayPal is refusing to close my account - stating the charge is pendingwhich is NOT accurate. Please help me. This has been going on for almost a month. I had to pay the vendor personally-
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NY)

I contacted comenity bank as result of a fraudulent account opened in my name. I request a fraud case be opened. They had already flagged as fraud but I never heard anything. In contacting I asked them to send me confirmation that case was open and they refused. More specially I also communicated that my credit reports had been frozen so Im not sure how these were opened and I was told that there were two credit bureaus being used that are unknown innovus and sagestream. This is unethical that they would request credit checks from unknown credit bureaus. And give instant credit to individuals in the store without any validation.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2024 My personal XXXX account was hacked, and the person that hacked my XXXX account made 9 purchases, five on my XXXX XXXX credit card, and four on my chase debit card. XXXX already took care of my claim and refunded me the money, but chase has closed my claim, I reopened and submitted screenshots from XXXX with the same transactions of the same amount, and a screenshot from XXXX stating my account has been accessed, and that I should reset my password, but they deemed it to be insufficient evidence and closed my claim.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (OH)

I'm selling a property that is being serviced by Fay Servicing. The mortgage was originated in XXXXXXXX XXXX XXXX roughly 18 months ago. Since I'm selling the home, I noticed a prepayment penalty on the payoff statement. The prepayment penalty is equal to 4 % of the loan amount. 

I don't recall receiving disclosures or counseling for this loan and was surprised to see such a high prepayment penalty, much less any prepayment penalty. On XX/XX/XXXX I requested via email to Fay Servicing that they provide me with the documentation that I either received or denied the right to receive HUD counseling for this high cost loan. 
Fay Servicing responded with an automated message that they would respond to me within 3-5 business days. 

I feel as though the prepayment penalty on this loan is deceptive and I was taken advantage of. If I am provided with the proper documentation proving that I was given the proper notices, I will accept that I made a mistake and they gave me proper disclosures. However, If I'm not provided with those disclosures then I would like the prepayment penalty to be waived. The prepayment penalty is over {$4000.00}.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Filed an previous complaint with undesired results. Portfolio Recovery Associates LLC is not owed any money from XXXX XXXX. Portfolio Recovery LLC needs to provide an Original Signature from XXXX XXXX validating this debt. I'm inquiring about 2 accounts accounts number ending in XXXX and XXXX.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

A complaint was made to Navy Federal regarding unauthorized charges applied to my Navy Federal debit card that was unauthorized by the consumer, As an investigations was requested from Navy Federal, against XXXXXXXX XXXX XXXX XXXX ( XXXX ) with verified receipt and proof of unauthorized charges, but still no resolution to date. 
Please see attached documentation, and request and investigation into ti why no resolution could be availed.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

US Bank does not posses the most rudimentary levels of banking skills, customer service, or reliable online account access. As evidence of the small minds that run this bank, my name was supposed to be added to a relatives account as an authorized user, in case of emergencies. We signed a bunch of paperwork for this purpose. During a medical emergency, I have learned that what the branch told us was entirely false. Instead of what was needed, they set up a joint account ( for no good reason ). Further, a joint account at US Bank does not have joint bill-paying ability. What in the XXXX is the point of a joint account if each person can not pay bills? Absurd. Inexcusable. Inept. Ignorant beyond words. 

Then, I was locked out of the online account for unspecified reasons. The bank, in all its condescending incompetence, mandates the lockout last for 48 hours. To force a customer to endure a 48-hour hold is nothing but an egregious failure to understand its own systems, and the most basic fraud-prevention practices. 

Given that my relative is XXXX, has been in the hospital, and needs money for care, locking the account, amounts to Financial XXXX Abuse. Regulators and lawmakers need to step in and mandate that account procedures meet a minimum level of care in order to prevent abuse and hardship imposed by arrogant bank leadership/tech people/fraud department XXXX A customer should not be told one thing, and given another. Or, at least a joint account should be a joint account. Online access needs to really offer accessibility to the customer, not a morass of nonsensical BS. 

Shareholders should sell stock, employees should find other jobs, and customers should flee at the first opportunity. There could be nothing more embarrassing for anybody than to admit working for this bunch of pea-brained losers called US Bank XXXX
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (LA)

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID Type : Drivers License ID # XXXX XXXX XXXX XXXX XXXX XXXX  Early Warnings Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following that appears on my Early Warning Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXX XXXX Account # XXXX Routing # XXXX Bank Name : XXXX XXXX Account : # XXXX Routing # XXXX Bank Name : XXXX XXXX Account # XXXX Routing XXXX It is NOTED that several checks were written I DONT write checks so all check usage should be blocked also immediately pertaining to the above routing and account number. 

Bank Name : XXXX XXXX Account # XXXX Routing # XXXX Bank Name : XXXX XXXX Account : XXXX XXXX Bank Name XXXX XXXX XXXX XXXX  Account # XXXX Routing # XXXX Bank Name XXXX XXXX XXXX  XXXX Account : XXXX Routing XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Name XXXX XXXX XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Also they have a bunch of inquiries Dating from XX/XX/XXXX up until XX/XX/XXXX that are NOT mines. 





I dont recognize the following accounts in question. I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my early warnings report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2024-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Freedom Mortgage paid the wrong insurance company when I contacted them they paid the new insurance and informed me that when the old insurance company 's sent me a check I was to send it to them so I sent them a check for {$4500.00} {$760.00} was for XXXX rent and the balance for the escrow shortage their records show that they paid XXXX and XXXX rent and said they put {$3000.00} into my escrow account on XX/XX/XXXX I sent a rent payment of {$760.00} which would of been XXXX rent they have charged me over {$300.00} in late payments hung up in my face twice damaged my credit all my rent is caught up they even took a payment of {$700.00} from me yesterday when I am not behind what I need is for them to find the missing {$3700.00} and replace it back in to my escrow account and clear my name with the credit bureau.
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (VA)

A collection appeared on my account XX/XX/year>. I am not responsible for this collection, and I will not pay it. I have received calls from Credence on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>. Credence called from at least XXXX different numbers within XXXX. I also received phone calls XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. During the month of XXXX Credence called from XXXX different numbers. I am aware of the law 15usc1692c ( c ) and I would like for it to be utilized. I will not pay this collection and I no longer want Credence to have any communications with me or things associated with me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Following the Fair Credit Reporting Act, the list of accounts below has violated my credit report. Please federally protect the consumer 's rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Consumer complaint received 2024-10-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Hanna Holdings Inc (OH)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Howard Hanna Mortgage Services regarding their refusal to provide reasonable accommodations during my FHA mortgage refinancing process, in violation of the Fair Housing Act ( FHA ) and Americans with Disabilities Act ( ADA ). Their actions have resulted in financial harm, emotional distress, and significant delays in my refinancing. 

Background : I applied for an FHA mortgage refinance with Howard Hanna Mortgage Services and was informed that some non-structural repairs needed to be completed, including moving excess XXXX pipes and covering a sump pump. Due to my documented XXXX, I am XXXX  unable to perform these tasks myself. As such, I requested reasonable accommodations, specifically asking that funds be held in escrow to hire contractors to complete these non-structural tasks after closing. 

Despite my repeated requests, Howard Hanna failed to engage in a meaningful dialogue or provide any response for over four weeks. Recently, I received a notice that my mortgage application was denied because I refused to complete the repairs prior to closing, despite my requests for accommodations under FHA and ADA regulations. 

Harm Incurred : Howard Hannas refusal to make accommodations has caused significant harm, including but not limited to : Financial Strain : I have faced late payments on other financial obligations due to the delay in refinancing, leading to credit score damage and the inability to pursue refinancing with another lender. 
Emotional Distress : The ongoing uncertainty and lack of communication have caused significant stress for both me and my family. 
Increased Costs : The inability to complete these minor tasks post-closing means I am now facing additional financial burdens as Howard Hanna continues to deny reasonable accommodations.

Violations : Howard Hanna 's actions appear to be in direct violation of : Fair Housing Act ( 42 U.S.C. 3604 ( f ) ( 3 ) ( B ) ), which mandates that housing providers make reasonable accommodations for individuals with disabilities to ensure equal access to housing. 
Americans with Disabilities Act ( ADA ), which requires that no undue burden be placed on individuals with disabilities in accessing services, including mortgage lending. 

Requested Action : I request that the CFPB investigate Howard Hanna Mortgage Services for violations of FHA and XXXX regulations, and enforce corrective actions to ensure that XXXX XXXX complies with federal law. I also seek compensation for the financial and emotional harm caused by their refusal to accommodate my XXXX during the refinancing process. 

Thank you for your time and attention to this matter. I am confident that your office will help ensure that my rights under federal law are respected. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-28
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. (NV)

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  Account number # 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 or 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 know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (PA)

The company has charged fees, when the mortgage was current, after it was delinquent. Then said they can charge what ever fees they want, but their contract clearly states they can only charge the fees when the mortgage is delinquent and they instead did the inspection after the mortgage was current. Now they raised the monthly rate and claim it is for taxes and insurance, but yet they did not go up. Then said after we pay off a certain amount, they will drop our mortgage again. They bought our loan without our permission and have been uncooperative and unwilling to work with us when we requested help or information. They are hard to get in touch with, takes weeks to respond to messages and do not follow federal government rules for housing assistance or loan modifications. They are a shady company that I wish we would never have ended up with!
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MI)

My AutoPay was disabled for the second time around XXXXXXXX XXXX. Goldman Sachs disabled my AutoPay and my future payments resulting in a payment not being received and a late mark being added to my credit report. Goldman Sachs failed to properly inform and communicate to me that my XX/XX/XXXX payment was not received, they did not inform me at all. I found out this payment was late due to my credit report dropping XXXX XXXX in one day. This is unacceptable, I am demanding that this late payment be removed from my credit report immediately or I will take legal action.
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (TX)

Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, XXXX, and Experian. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.
Consumer complaint received 2024-07-29
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-15
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: Velocity Portfolio Group (IL)

I am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance. 

I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined. 

I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (MS)

I have contacted Equifax as well as the 3 companies concerning hard inquiries once I received my credit report. I spoke with a representative and he stated that it was nothing to be done other than wait for it to fall off my report. I filed a FTC report and informed the representative of this information. I didnt give permission for these companies to access my information. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.