davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX  credit card and XXXX of the perks is credit reporting and alerts. I received an alert yesterday XX/XX/XXXX that inquiries are made into my credit by XXXX XXXX quick Google search got my to realize this is a collector. Then I noticed XXXX other alerts on that credit report made prior to that one ( done by XXXX ) where it says that on XX/XX/XXXX there was a new loan from XXXX XXXX. I DID NOT secure any loan with this company and was shocked to see that XXXX is reporting this loan was opened on XX/XX/XXXX and then on XX/XX/XXXX seems like balance was past due so all these alerts were in my XXXX  mobile app for me to discover through. 
I called XXXX immediately they told me to dispute it online on their web site. Web site kept trying to sell me their protection plan and identity theft ( very funny I know ). 
After that I called you where I was told to freeze my credit with all XXXX bureaus which I did. Then I also learned that XXXX is the only one that is showing this loan with Affirm ( how odd ) this is suppose to be trusted agency but they run my XXXX credit score to XXXX in XXXX  months meanwhile my credit score remains at XXXX with XXXX and there is no mentioned of this loan and past due balances there. Everything that XXXX is reporting is accurate. 

Now my next call was to XXXX XXXX company where this loan apparently is coming from who said they will send me an email confirmation saying that I do not have loan with them and that loan is fraudulent. I am yet to receive that email ( guessing never ). 
That did say they apparently have all my information but wouldn't disclose any of it of course. They also gave me a case # but I don't trust this company after reading similar stories on XXXX. 
I didn't receive anything at my home address any bills any confirmations of this loan ever be made in my name or anything. All I see is this inquiries into my credit made by XXXX on their credit report which is false. 
Once I made a dispute with them I received an email saying it will take them XXXX  days to get back to me. 

At this point I do not know who to call and where to go to really know if my identity was indeed stolen or is this just some random mistake made by XXXX in credit report. 

It seems really odd to me that this XXXX company can just put this into my credit report and run my credit score into nothing without ever reaching out. What if I really needed my perfect score right now. Who gives them this much power. I was very surprised that this same company XXXX who basically decides you credit score faith has score of B- on XXXX. That is really something. 

Am I suppose to report this to police? As of right now no debt collector is after me and no mail has come to my home regarding any loans or open balances from XXXX XXXX yet XXXX is showing this information in my credit reporting.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AP)

Ive been in communications with ( XXXX, XXXX and Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Consumer complaint received 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (WV)

I have been trying to reach this company about receiving an application to apply for temporary relief from mortgage payments due to XXXX XXXX XXXX XXXX XXXX. Ive tried to apply online, but have never been allowed to go online to do so. Ive asked for an application. Nothing. Then, in the wee hours of this morning, under cover of darkness, a letter from this company is taped to my door. 
I dealt with this company a year ago, and during the course of a loan mod, and in violation of the Frank Dodd act, utilized dual tracking and continued with foreclosure. Their claim was that I had not sent in the award letter for unemployment. I had sent it multiple times. With the help of WV state agencies, this was avoided. I also made a complaint to a state senator about the behavior. I am XXXX XXXX  citizen who lost a full time job due to a XXXX XXXX XXXX. The employer involved has refused to pay. I am currently on social security retirement and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I need help from the CFPB in effectively communicating with this corrupt company.
Consumer complaint received 2023-07-27
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. (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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol One XXXX XXXX XXXX XXXX VA XXXX Continues to send me unsolicited pre approved offers, although I am on the list not to receive them. I entered my data about a month ago, and was told it would take them 2 weeks to remove, as at that time I informed them to take me off their mailing list.

At the end of last week, I received 5 prepaid offers from them, and called again, They are now saying this will take " about 45 days '' to resolve.
Consumer complaint received 2024-06-03
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. (GA)

I am a natural, living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681, and they violated my rights numerous times. Additionally, I have disputed these account multiple time and Equifax refuses to update and/or remove the accounts from my credit profile. Equifax continues to report inaccurate information on my credit profile, which causes additional hardship when applying for necessities that require my credit. This is a defamation to my character and caused higher rates on my auto loans, home mortgage, and credit cards. I demand that the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX XXXX 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 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC. (MT)

My neighbor sold the northern XXXX of lot XXXX to me in XXXX of XXXX. The neighbor never had the property removed from their mortgage with PennyMac. I have the property listed for sale in XX/XX/XXXX and have a buyer for the property. PennyMac will not provide us with a partial release for this property that was sold. We have had a potential buyer of the property since XX/XX/XXXX. I had both properties surveyed & provided this information to PennyMac in XX/XX/XXXX. The neighbor is no help in this situation & the bank is non responsive since we are not on the mortgage account.
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

15 USC 1692c is a fair debt collection law that prohibits phone calls at certain dates or times, and at certain places1. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt2. A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error3.
Consumer complaint received 2023-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CO)

There was an inquiry that came up on my XXXX credit report describing an XXXX XXXX XXXX XXXX account that XXXX different collection agencies have tried to collect on. I have disputed this claim on XXXX and XXXX and am currently working on filing a dispute with XXXX XXXX. The claim was successfully disputed on XXXX, but not on XXXX or XXXX XXXX. I have called both collection agencies ( XXXX and I.C. System Inc ) several times and sent in a fraud packet that was apparently never received. The account that is in question was opened for an XXXX XXXX XXXX XXXX account. I have never opened an XXXX XXXX XXXX account and am still in fact on my parent 's mobile plan through a family plan account. The collectors ' agencies continue to say that this is my account because it was opened with my name and social security number, but the account has a different email address which is also not mine. This person has an email address : XXXX, or something to that effect, and a XXXX XXXX XXXX in XXXX XXXX Ohio. They have continued to use this email and address to open fraudulent accounts under my name and social in the past and continue to do so now. I recently opened a high yield savings account through XXXX XXXX and this person change the username and password to the account within a week of my opening it. I then had to get XXXX XXXX XXXX to cancel the account and reopen a new account with my correct information and delete the XXXX email that was connected to this account without my authorization. I could see through my XXXX XXXX account settings that this person added their email address to my account and had their phone attached to my account as well, which was some type of XXXX phone. This email address has also shown up in my personal XXXX XXXX XXXX bank account along with the XXXX XXXX address. I have since hardened my online account by subscribing to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Somehow this person is still able to access my accounts and open accounts using my name and social security number.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

Related to my initial complaint against CPI. 
CPI is now threatening to sue in clear retaliation of having to remove their unfounded debt from my XXXX consumer report. 
On XX/XX/year> I received a letter threatening legal action. This is a clear act of retaliation and intimidation and an even clearer violation of the Fair Debt Collection Practices Act. 
CPI continues to harass me over this alleged debt. They have continued to fail to produce chain of ownership that they own this alleged debt. They themselves admitted they DO NOT own this debt in a recorded phone call with myself ( the consumer ) on or around XX/XX/year>. 
Citing : 15 USC 1692g & 15 USC 1692e
Consumer complaint received 2024-06-18
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: CITIBANK, N.A. (NV)

Charges on my Citibank debit card appeared after I was victim to a phishing email used to comprise my XXXX  XXXX  account. I reported the charges as fraud on XX/XX/year> only to find out that they were filed as a dispute and not a fraudulent charge. My initial dispute was denied so I appealed the decision and had it submitted correctly as fraud on XX/XX/XXXX. Throughout this whole process I was never reimbursed the funds or given provisional credits through the investigation which took over a month. After 9 business days and multiple attempts to call the dispute center and check the status of my dispute and provisional credits I finally spoke to someone who first said by dispute was denied XX/XX/XXXX then said she made a mistake and the dispute was denied this morning XX/XX/XXXX. I was never given the opportunity to provide evidence to back my claim even after informing my bank I had such evidence. 

My questions are when will I be provided provisional credits or reimbursement? 

What kind of charge were these charges. Manual enters or chip? 

Was a charge back ever attempted with the merchant if so can you provide the representment docs. 

Here is the reference number for my most recent dispute. 

XXXX XXXX XXXX XXXX Citibank Account XXXX XXXX
Consumer complaint received 2024-06-03
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. (SC)

Disputed XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX for the 4th time and Equifax have lied and said that it was verified. According to the creditor they didnt get anything from Equifax . I have sent a letter from the creditor, police report, ftc report and a police report and a copy of my ID and Social Security Card. This is the 5th time disputed this account XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

On XXXX XXXX XXXX, I sent a letter to your company detailing serious errors on my credit report. It has now been over 30 days, and I am so sorry to let you know that I have received no response. This prolonged silence and inaction suggest a potential violation of the Fair Credit Reporting Act ( FCRA ). 

The errors on my credit report are not just inaccuracies but obstacles that jeopardize my financial stability and future. I would appreciate it if you could act immediately to fix this situation. I'd like to ask you to please pay attention to this matter, not just requested but also requested. 

Please understand the urgency and gravity of this situation. My credit and peace of mind are in danger.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MI)

I sent them {$700.00} XX/XX/XXXX for them to say I never did because they never got it, well my bank account shows where they have taken out, this all started with specialized loans servicing when they started bouncing checks back due to " they couldn't read it '' they recently said my mortgage to shellpoint mortgage who has lost that {$700.00} XXXX sent them that came up missing
Consumer complaint received 2024-05-25
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Recently my parents gave me two checks for a few XXXX dollars. One from a joint account and one from my mother 's personal account. I deposited them to my Chase checking account. Shortly after, I tried to use my debit card, and it declines. I call Chase only to discover my account is completely restricted as the deposit had been automatically flagged for potential fraud. Keep in mind I am a full-time college student and this money was going towards paying rent, gas, and food. I have called Chase multiple times to try to clear the restriction, every time they say the same thing, their system is not showing verified phone number for the maker of the check. Apparently, they need to call the maker of the check to verify. Now, my mother has her personal phone number on these accounts, and I can not see a single reason the number wouldn't be verified. Every time I ask what we can do to verify this phone number, they say there is nothing I can do, their system has to verify it. Honestly, they have been absolutely no help in resolving this issue, in fact they say the funds will be completely held up until the checks are verified as not fraudulent, if not, they will keep my account restricted for years until they finally close it, then the money is returned to the state. It's completely ridiculous. They say there is no other way to verify the checks, which is hard to believe. One of the accounts the money was sent from is also a Chase account, which has been open for many years, and they still can not verify it. The other account is a XXXX XXXX account, and my mother called them to find that XXXX XXXX had absolutely no problem clearing the checks, and Chase should have the money. Chase means to hold these funds hostage with no clear way to unrestrict my account. Meanwhile, I have classes to worry about, and rent is upcoming. The process for verifying the check seems simple but has caused me nothing but problems.
Consumer complaint received 2024-06-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (IN)

I visited the Acima Desk at XXXX XXXX XXXX in XXXX, Indiana. Acima offers lease to own services and I was hoping to get a lease for a couch. The employees first name was XXXX. She was purposely deceptive about the terms of the loan. She indicated that as soon as you paid the full cash amount before the lease was over, the lease would automatically end. For example, if the lease was for {$3000.00} And you accepted a 24 month lease at {$350.00} per month, the lease would end after XXXX months of payments. She insisted that there were no fees for leasing, there was no interest, and you only ever paid the cash amount. However, I was looking at the contract she was asking me to sign and the {$3000.00} purchase there was {$5500.00} in interest and a {$50.00} fee. The contract clearly stated that the terms of the lease to own agreement was that I would have to pay {$8500.00} over a 24 month period. XXXX kept insisting that that you only had to pay the cash price of {$3000.00} even though the contract in front of me directly said Id be responsible for {$8500.00}. I repeatedly asked for clarification about the contract and she said oh we just have to have that in there thats not what you actually pay. We went back-and-forth discussing the terms of the lease to own agreement and she repeatedly verbally told me things that were not in the contract. Another example of this is she tried to tell me that the {$8500.00} was if you missed a payment. However, the contract clearly stated that if you make payments on time as its {$8500.00} - if you miss a payment then its more. after discussing for XXXX or XXXX minutes, she finally did tell me that you only get the cash price if you pay off the full amount of the loan within 120 days. This practice is extremely deceitful, especially when she is giving potential customers information that directly contradicts the terms of the contract.