davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (PA)

Someone tried to open a Sephora credit card in my name. Had issues with bank accounts being opened and someone tried to open a XXXX XXXX XXXX this year. They use my email, name, DOB and SS. They use my Dads address. They sent him a letter saying it was declined because my credit is locked. I alway keep my credit locked because of all the issues.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a let out on XX/XX/XXXX to Transunion, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

2 times this year someone has opened up a checking account of Bank of America. They do nothing to help me. I can never get an account number until a random statement gets mailed to my Dads address. Then I have to call and get them to close. The third time it happened this year bank of America blocked for too many times
Consumer complaint received 2024-05-23
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. (NJ)

I am writing to convey my profound dissatisfaction with the ongoing presence of fraudulent accounts on my credit report. After reporting the identity theft, I immediately contacted the companies associated with these fraudulent accounts. They confirmed the legitimacy of my report and assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report, despite their inability to provide records. 
It is noteworthy that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I am puzzled as to why your bureau continues to verify these accounts when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (AR)

I and my wife refinanced our home through XXXX XXXX XXXX XXXX The loan was subsequently sold to Freedom Mortgage and it is going to be a nightmare to get them to process the final damage payment from XXXX XXXX. The work has been done, the contractor paid and we just need their endorsement to finally get this settled. 

Today I was sent a letter dated XX/XX/XXXX demanding all kinds of information that I cant provide. This is the first time we have been asked for all this information and it was dated two weeks ago and just received today. We are fully paid up until XX/XX/XXXX. I have a credit rating of XXXX 

It is my belief that Freedom Mortgage is DELIBERATELY foot dragging to force us out of our low interest loan. There is no other discernible reason I can fathom. We have a flawless credit history. 

I see also that Freedom Mortgage has had their XXXX  certification revoked as well. In no case would I ever recommend their financial services. From CFPB of XX/XX/XXXX alleged that mortgage loan data submitted by Freedom in XXXX also contained widespread errors across multiple data fields that not only violates HMDA and Regulation C, its implementing regulation, but that the company also violated the XXXX consent order and the Consumer Financial Protection Act of 2010.
Consumer complaint received 2017-12-16
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: Convergent Resources, Inc. (CO)

XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (AZ)

I received a letter in the mail from Phoenix Financial Services for a debt I have no record of. The date of service does not match anything on my records nor does the amount owed. I have been paying the hospital and the doctors in question and I have never seen a bill for the amount they are requesting. 

I called the company on XX/XX/18 to try and understand the discrepancy better and was met with a very angry man who informed me after a long communication regarding how this payment did not match anything on record, he would simply mark me down as refusal to pay and the company will continue to peruse payment for the debt owed by any means possible and hung up the phone. 

I never agreed to these terms and simply wanted to find out why there was such a large difference in the date of service and amount I am said to owe. I called the company back and after two tries I was hung up on each time immediately. On the fourth call I got a woman who then transferred me back to the same man. I asked him for his name to which he told me had already given me his name three times. Upon the beginning of this conversation he did not tell me the conversation was in an attempt to collect a debt but instead yelled at me that he did not need to tell me his name. I reminded him not providing his name is unlawful and I would like to speak to a supervisor to which he told me they were closed and to call back tomorrow. He then hung up on me. 

I never said I was refusing to pay I simply will not pay anything until I know the amount, date of service, and the company I am dealing with matches the records of the service provider and hospital. To me the practice of telling me they will use any means possible to collect the debt and they are marking me as refusal to pay, not providing me their name, and not telling me the call is in an attempt to collect a debt all violet the fair debt collection practices.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (KY)

I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " XXXX XXXX XXXX, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; RESURGENT CAPITAL SERVICES AND XXXX XXXX XXXX XXXX. THIS CASE OF XXXX WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER XXXX UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; 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 Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

When did I give EQUIFAX written permission to furnish this account on my consumer report when i was never notified or attended any court meeting? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft.

15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity.

That is the definition of IDENTITY THEFT.

15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I emailed CEO of Bank of America and customer relations XXXX XXXX and XXXX at client care regarding a notification I received on XX/XX/XXXX from my Credit Bureaus XXXX  alerting me that my Bank of America credit card ending in XXXX reported as 30 days past due. This was the first notification I ever received. I did not receive any notifications that my Bank of America Credit Card was not auto deducted from my Personal Checking Account ending in XXXX also a Bank of America checking account nor did I receive any notification that my account was either at risk for or of being late. The very moment that I received the notification from XXXX alerting me on XX/XX/XXXX, I logged into Bank of America and paid the balance in full bringing the balance to XXXX / XXXX. 

My email to XXXX XXXX states that I have been a long standing customer for over 25 years and hold multiple Bank of America accounts and requested a call back or to be connected to someone who could help me determine why my auto payments or Credit Card were not made or notifications not sent to me to have avoided this very serious issue for me. I noted in the email that my credit score was dropped by over XXXX points. 

Thereafter, I followed up with 4 subsequent emails and received No response or call or email. I am asking that someone at Bank of America research this and consideration of removing these reporting to my credit card as I had no way of knowing I was at risk of being 30 days as I believed my auto pay was set to deduct from her attached Bank of America checking accounts. I can be reached at XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Duncan Solutions, lnc. (TX)

Professional Account Management continues to send me collection letters, despite me notifying them I am in bankruptcy. 

The bankruptcy case is XXXX. My attorney name is XXXX XXXX. 

Bankruptcy filed on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Ph : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2023-12-17
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: Resurgent Capital Services L.P. (CA)

I am writing to bring to your attention an issue I have been facing regarding my credit report. I have previously submitted disputes for certain accounts, but despite my efforts, these disputed accounts have not been removed from my credit report. 

I initiated disputes with the credit reporting agencies, I have attached copies of the dispute letters I submitted. Despite following the proper procedures, the disputed accounts continue to negatively impact my credit score. 

I kindly request your assistance in investigating this matter and facilitating the removal of the disputed accounts from my credit report. 

I understand the vital role that the Consumer Financial Protection Bureau plays in ensuring fair treatment of consumers, and I am hopeful that your intervention will help resolve this issue promptly. If you require any additional information or documentation, please do not hesitate to contact me. 

I appreciate your attention to this matter and thank you in advance for your assistance.
Consumer complaint received 2023-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (CA)

I received a Notice of Default today and was shocked. I am an XXXX yr old XXXX XXXX XXXX XXXXXXXX XXXX  and need to set up a phone appt with XXXX XXXX XXXX. I have been making my payments online since XXXXXXXX XXXX and my payment is {$1500.00} and I have been making payments of {$2500.00} and have guaranteed income for life The letter stated that I must pay {$9700.00} by XX/XX/XXXX which I can not do but at {$2500.00} a month I can be caught up by XXXX. 

Please grant me an extension until XXXX or XX/XX/XXXX PHH did not pay my taxes on time in XXXX and I received a fine they also charged me {$30.00} for a payoff notice which I did not order I must have hit the wrong key My health is XXXX XXXX and this has caused me unwanted stress. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/ we had a major water loss at our home. After dealing with our insurance company for months to give us a fair settlement to make the repairs our funds were sent to us with our mortgage company PennyMac named on the payment. We endorsed all funds to PennyMac and were in an understanding that they would release funds as needed to so we could make the repairs to our home. The repairs for our claim are over {$200000.00} and after the depreciation which is being withheld by our insurance carrier PennyMac has been sent approximately {$140000.00}.

PennyMac has delayed funds being released countless times and we have not been able to make repairs in a timeline that is compatible with our insurance policy coverage for our additional living expenses ( rental home, storage of our contents ). I have called PennyMac over and over and spent hours on the phone with them explaining we need the funds to make the repairs. They tell me that the repairs we have made are not up to the percentage they see fit for the amount that we have. Our house was taken down to the studs and we have repaired plumbing, electrical, insulation, drywall, doors installed, walls textured and ready for paint. 

We need to order cabinets and flooring and construct our bathrooms. They keep telling me that they need to see these things done before they release the money. We can not afford to pay for those items up front. That is what the insurance money is for. They are simply refusing to give us the money to pay our contractor. My contractor has spent a considerable amount of time on the phone with them as well explaining we need the money to keep repairs going and they still refuse. I explained to them that I feel they are holding our money because they have it invested and are gaining interest on it. They don't want to give us the money so they can keep gaining from our loss. 

What they are doing to us is completely unethical and they are acting in bad faith toward us. We need them to release our funds to us to complete our repairs so we can move back into our home. We are coming up on 1 year since our entire house flooded and PennyMac does not care.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AZ)

I was receiving solicitations from One Main Financial via email and or text. I originally took out a loan for {$1500.00}. However, I continued to get solicitations with offers up to $ XXXX. I got caught up in the sales pitch and agreed to a $ XXXX personal loan with 35 % interest rate, and it was deposited into my checking account immediately after finalizing XXXX have a personal loan with XXXX XXXX XXXX XXXX for $ XXXX with 17.7 % interest. I am making my payments on time and will continue to no matter the outcome of this complaint. I feel that I was gouged by One Main Financial because my payment history for all my debts and utilities are perfect -- no late payments and my XXXX is at about XXXX. When I tried to get another loan from XXXX XXXX XXXX XXXX they sited my Income to debts ratio and was declined. Following that denial One Main Financial solicited me. I want my interest rate to be reduced to 18 % because I am paying all my debts on time and in full. The debt is a burden and leaves little to live on. Hope you can help me get a lower payment. All my income is military pension, civil service pension and social security
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (TN)

XXXX XXXX called today to explain that still go to dealership and even if they dont work with them. Process is getting a buyers order and emailing it to them. Would be funded within XXXX to XXXX business days. 

My bank is showing me a credit score of XXXX. XXXX XXXX is saying the soft pull they have is XXXX Also telling me they have not formally approved my loan in spite of email implying otherwise ( see complaint yesterday )
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION ()

I am an XXXX citizen. I have purchased some properties in XXXX for investment. For rental proceeds and payments for managing the property I had opened an account with SunTrust bank. Recently this bank has been taken over by trust. For some reason I can't make XXXX payments and some rental deposits by property managing agents are denied. I contacted trust and they said they will Fix it. Nothing has been done so far.
Consumer complaint received 2023-12-16
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. (SC)

All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX  joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!