davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

I received a verbal notification of the debt and mailed and emailed a dispute asking for verification ; both documents were sent to the debt collector and XXXX. The debt collector will then close my account and XXXX will reopen it. This matter has happened three times. Transworld is the current debt collection agency that has neglected to provide a verification of debt as requested XX/XX/2024. Twice were in writing via email and mail the second was during a phone call. Transworld System ( Tsi ) will simply report on my credit that the debt has been verified which is incorrect as they have neglected to do so. Per the debt XXXX is requesting XXXX but the debt collectors states a higher, incorrect amount.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (MN)

someone used my name, birthdate, and social security number to open a credit card with this bank. 
Date opened XX/XX/2023 {$15000.00} Filed disputes with XXXX, XXXX, and XXXX.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (TN)

At this time, opportunity financial has contracted XXXXXXXX XXXX XXXX  attorneys at law to try and collect a debt that was reported as fraud. In doing so, the have contacted my father and informed him of the debt. This is a violation of federal law. No individual outside of my household is allowed to know about this.
Consumer complaint received 2024-04-16
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. (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. 

Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC (TX)

On XX/XX/year>, we approached Rocket Mortgage for a mortgage. We have a house, no mortgage. We wanted to use the equity on the house to get some money for renovation. Rocket Mortgage asked us for {$500.00}. We paid. 

At closing, on XX/XX/XXXX, we learned we didn't have to do escrow. That was never explained. We asked Rocket Mortgage to remove escrow. They refused. We exercised our right of Rescission on XX/XX/XXXX. 

On XX/XX/XXXX, we asked Rocket Mortgage, by email, when we would received our {$500.00} deposit back. My wife, who is in charge of all the exchanges, provided all the information and relevant extracts of 12 CFR Part 1026 ( Regulation Z ) and the official interpretation of Paragraph 23 ( d ) ( 2 ). 

We were answered by XXXX XXXX : " Good afternoon, the Good Faith Deposit is used for upfront cost of the loan such as credit reporting fee and appraisal report. The appraisal report cost is {$650.00} there is no room for refund. 
Best regards, Rocket XXXX XXXXXXXX XXXX Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX '' We would like to file a formal complaint against Rocket Mortgage. 

To be transparent, when we received that email, we did file a dispute with our credit card company.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio (MI)

My elderly parents were contacted by a woman named XXXX from Vance and Huffman. She told them that she had " legal papers '' for me to sign, and I needed to contact her right away. I called and she answered the phone. At that point, she denied having contacted my parents despite her answering her direct line and having the name " XXXX. '' She told me that they had a " file '' in their office to discuss with me, but would not give me any information about it until I verified my social security number with her. When I refused to give her this number over the phone, she promptly hung up on me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

Toyota Financial Reported a Late payment for my car lease to the 3 credit bureaus on XX/XX/year>, without warning me they falsely stated i was late on my payments but in the credit report from XXXX, XXXX and XXXX we all can see unmistakably that every single month all the pays were done accordingly, even there is proof from my bank and from their website itself. i sent them a letter with proof of my payments and spoke with representatives over this matter but they did not give me a clear explanation and they sent me a letter back stating they dont think there is any error, i have never had a late payment in my entire life for the past 20 years, i have had a previous lease account with toyota financial in the past and never had an issue, im disappointed that they ruined my credit score and worthiness when i had a XXXX score and dropped to XXXX, i am a hard working person with a reputable credit history, upon looking into forums about people having similar issues with them i found its a common practice by that company. 
the monthly payments are {$360.00} a month for 36 month for the term of the lease. 
I file a dispute with Toyota financial but neither that made them change their mind, i went ahead and filed a dispute with the 3 credit bureaus and the outcome was the same.

i feel defeated mentally and abused of my rights as a citizen of good moral character and Toyota Financial has lost my trust and credibility as a company doing this to Cosumers unethically. 
Looking forward to find a solution to this matter Thank you
Consumer complaint received 2024-07-17
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)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX I purchased a single tire on Walmart website ( order XXXX ) that was scheduled to be installed by Walmart Auto Center XXXX XXXX XXXX. 

I paid for the above product using Walmart/Capital One Credit Card .

Once I presented to Walmart Auto center it was determined that the tire was intact but a pressure sensor was at fault. 
Pressure sensor was exchanged for which I paid using the same credit card. 

Once a received a credit card statement I found charges for a tire never installed. 

I disputed charges with Capital One credit card. 
Walmart response was that a tire was picked up on XXXX XXXX. 
Computerized XXXX account indicates that a tire was also picked up on a different day of XXXX XXXX. 

Both statements are false. 
No tire was ever installed or picked up by me. 



Within days charges to my credit card were reposted. 

I contacted Capital One credit card with no sensible resolution
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (GA)

This is another predatory loan company that has an interest rate of 727.26 % which at the time I took the loan out I was not aware of how HIGHLY illegal it is in my state of Georgia. I took out a small loan and would have to pay back almost 4 times the amount that I borrowed.. again their interest rates are ILLEGAL in my state of Georgia
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I am writing to file a formal complaint against Comenity Capital Bank/ IKEA XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 


On XX/XX/2024, I notified Comenity Capital Bank/ IKEA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Comenity Capital Bank/ IKEA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Comenity Capital Bank/ IKEA complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Comenity Capital Bank/ IKEA . 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 


I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX Bank of America called to inform me of someone posing as me to retrieve my account information. I cooperated with the representative and they sent me a code to verify my identity and I repeated the code that they sent. Representative said my online profile would be shutdown/closed until Monday when I call back. 

XX/XX/XXXX morning - I checked my email and saw the following emails from Bank of America : XX/XX/XXXX at XXXX XXXX stating my online id was looked up XX/XX/XXXX at XXXX XXXX stating my passcode was reset XX/XX/XXXX at XXXX XXXX stating my online id was looked up XX/XX/XXXX at XXXX XXXX stating that Transfer Recipient Has Been Edited 'To : XXXX XXXX Date : XX/XX/XXXX New name : XXXX XXXX , null Previous email or mobile : XXXX New email or mobile : XXXX ' XX/XX/XXXX at XXXX XXXX stating I had transfered {$2400.00} to XXXX XXXX at the email address XXXX I did not look up my online id. I did not reset my passcode. I did not edit the email address to a transfer recipient. I did not transfer {$2400.00} to XXXX. These transactions are fraudulent. I filed a claim first thing Monday morning with Bank of America - claim number XXXX. 
On XX/XX/XXXX I received an email with a pdf attached stating my claim has been denied for the following reasons : Our investigation found that you gave your online id or passcode to a person or entity. Under these circumstances, you authorized that person or entity to perform a transaction on your behalf. 
I called the XXXX to talk to someone about my claim. They said I needed to send phone logs of my calls and text messages to them and once they receive them they would reopen my claim. They said it could take up to 5 day to receive any faxes. 
XX/XX/XXXX I faxed my phone logs plus the emails from Bank of America that I received that day, a total 10 pages. 
XX/XX/XXXX XXXX XXXX - I called Bank of America to ensure they received my faxed papers. They did. The representative said they would review then reopen the claim and it would take at least 10 business days for them to disposition the claim. 
XX/XX/XXXX XXXX XXXX - I called Bank of America to followup on my claim. It was never even reopened. 

In my opinion I have supplied the necessary documentation and Bank of America is stalling. I'm getting the run around. I feel like they will continue to deny my claim until I give up. This is fraud plain and simple. It's been over a month. I'm a single working mother who has lost {$2400.00} for over a month now. This is disgraceful. I'm running out of options and time so I'm filing this complaint with you in hopes that this can be resolved. This is not an uncommon occurrence ... .I 've researched online ... I've seen numerous articles and news stories on this kind of crime with XXXX XXXX I've also seen many other Bank of America customers being denied. It's outrageous. Please help me solve this problem.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (MD)

A notice of cease and desist, as well as certified proof of contract was sent to Receivables Outsourcing , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

I recently applied for a platinum credit card from XXXX on there online system and was denied for the card and I'm not really finding that reasonable which a security was given for collateral and consideration and no consideration was given back by the company a legal binding instrument only takes an offer acceptance and consideration which was given. According to XXXX XXXX XXXX XXXXXXXX XXXX  as issuer and The Bank of New York Mellon as XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018 in the granting clause it states the issuer grants The Bank of New York Mellon and note holder for the benefit and security in it's individual capacity a first priority security interests in all rights, title and Interest whether now owned or hereafter acquired in and to the following ( i ) thru ( xiv ). It also states the security interests in the collateral is granted to secure the notes. And the agreement of parties also states for the establishment of the terms and conditions upon which the notes are to be authenticated issued and delivered and in consideration for the premises and the purchase of the notes by the holders thereof it is mutually covenanted and agreed as follows for the equal and proportionate benefit of all the holders of the notes or series or tranche. Any other issues on the collateral pursue the same Indenture dated XX/XX/2018 article XXXX collateral. Also in the same Indenture section XXXX limited recourse it states any holder of notes will have the right which is absolute and unconditional to receive payment of the principal of and interest of such note on the legal maturity date. Now I was denied because of a XXXX score XXXX got from a third party which was XXXX evidenced by an inquiry on my credit report which I have confusion with cause in XXXX prospectus XXXX it says they do get their XXXX score from a third party but it also says that can't verify the accuracy of the XXXX score from the third party so I'm not understanding how can I be denied if value was given a security interest in the collateral and the security is turned into Receivables that the company sells and make money off. I have read the indenture between the bank of New York Mellon and XXXX trust agreement, transfer agreement, servicing XXXX and pooling and service agreement which I understand fully.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CO)

My mortgage payment is due today, XX/XX/XXXX. I tried to make a payment, but the website won't load the page. I tried calling my mortgage company, Mr Cooper. I was told by an automated representative that the computer system is having trouble and to make a payment through the site. I tried again several times to pay through the site but was never successful. I tried to talk to a person but was told no agents are available. I tried contacting them through the chat on their site. That did not work either. I have the needed money in my account and am ready to make a payment. But because of technical difficulties on their end, my payment will be late. I've had my mortgage for 5 years now and have never been late on a payment. I'm very frustrated that this is happening and I feel it is unfair for my credit, etc to be affected by an issue I had nothing to do with.
Consumer complaint received 2024-04-16
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (UT)

XX/XX/2023 Experian sent me an email instead of notifying me by mail requesting proof of my IDENTIY and Address, now XX/XX/2023 I received an email from Experian stating We were unable to honor your recent request because you did not provide sufficient or legible identification information for us to verify your identity. This is a violation of 15, USC1681 ( a ) Experian sent me an email requesting information then tells me their not going to remove inaccurate information. After I already sent my proof of ID and address through CFPB to Experian which they knowingly they have received it from the CFPB this a stall tactic. How is it Experian can ask for proof of ID and Then turn around in two days to say they can't honor my dispute when they clearly received my ID and address. Last time I've mailed proof of my address and ID I was informed they never received it when my Certified mail showed it was received. Once again their stalling to do their investigation.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX Account Number : XXXX