davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (IA)

I called the credit reporting agencies and let them know that account in the document included below are not to be visible on my consumer report. I never gave them permission to report them. 

Accordint to the law 18 U.S. Code 1028A - Aggravated identity theft whoever, during and in relation to any felony violation enumerated in section ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided by felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2024-03-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO THE LAW, YOU AND THE DATA FURNISHERS MUST CERTIFY ALL ASPECTS OF REQUIRED FCRAMETRO 2 COMPLIANCE. THIS MUST BE DONE IN A TRUTHFUL, CORRECT MANNER THAT IS COMPLETE AS WELL TIMELY SO IT DOES NOT VIOLATE MY CONSUMER RIGHTS OR CIVIL FREEDOMS.
Consumer complaint received 2020-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

I am filing this complaint against DMI who currently subservices my FHA mortgage on behalf of XXXX XXXX  XXXX XXXX XXXX. 

I applied for Covid related forbearance in XXXX of 2020 and was granted a three month forbearance plan. When my initial forbearance expired, I made my XXXX and XXXX payments. I then applied for a second forbearance period as I was still experiencing financial difficulties directly related to Covid. I never received confirmation that this request was granted but I assumed it was when I did not receive calls or mail from XXXX when I did not make the next few payments. Finally in XXXX, I received a letter from XXXX saying my forbearance period would soon be coming to an end. The letter did not say the exact date it would end because I was still struggling with Covid related financial difficulties, I applied for an extension to my forbearance ( that I never truly knew I had until receiving the letter saying it was coming to an end ). Once again, I never received anything from XXXX approving or denying this extension so I assumed like the previous that it was granted. Now today I receive notification from XXXX XXXX  that XXXX has reported my mortgage account as +30 days to the credit bureaus. 

My complaint is that, other than my initial approval and the two letters I received saying my forbearance was coming to an end ( one in XXXX and one in XXXX XXXX, I had no way of knowing the true status of my account. XXXX 's website does not tell me if I am in forbearance. The Loan Solutions website I was directed to in order to make my request does not tell me the status of my request. XXXX has only once, in relation to my first request, sent me anything acknowledging my request and confirming if it was approved or denied. Now they have reported me late??? I have asked XXXX directly and through a previous complaint to communicate with me via postal mail and have received nothing meaningful. As one of the country 's largest mortgage servicers I would have expected them to be better prepared to handle a situation such as what the country is experiencing but unfortunately, the customer service experience I have received has been horrific and now damaging.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint Against : XXXX XXXX  XXXX This complaint alleges that XXXX XXXX  XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by filing a lawsuit against me without proper notification. 

Specific Violations : 15 U.S.C. 1692i ( a ) : The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written notice of their intent to collect a debt before taking any legal action. XXXX XXXX  XXXX failed to do so in this case. 
I never received any written notification from XXXX XXXX  XXXX regarding the debt or their intention to sue. 

This lack of proper notification prevented me from exercising my rights to dispute the debt or negotiate a settlement before a lawsuit was filed. 

I request that the CFPB investigate XXXX XXXX  XXXX 's debt collection practices and take appropriate action, including : Ordering XXXX XXXX  XXXX to dismiss the lawsuit against me. 
Ordering XXXX XXXX  XXXX to provide me with a proper written notice of debt collection. 
Awarding me any damages caused by the lack of proper notification.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

XXXX applied for TJX Rewards Credit Card XXXX Called XXXX on the same and was advised that I will receive a letter in the mail regarding the status of my application. 

XXXX received a letter from Synchrony Bank stating that it was unable to verify my identity. 

XXXX mailed letter with a copy of my license to Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX advised in the letter if I needed further clarification regarding their decision. 

XXXX called and spoke to " XXXX '' he said their was a mismatch with my name because the last letter of my last name did not appear. Advised that the hyphen is on my driver 's license and if the " y '' does not appear, it is due to the lack of character space. I was placed on hold and was told that I was approved for {$1000.00}. 

XXXX and spoke to " XXXX '' to check on the status of the card and I was transferred to the XXXX Department. Spoke to " XXXX '' in the fraud department and she stated that my application. Advised that I was not pleased and I would file a discriminations complaint because I have the credit score, credit history, and my yearly income is over {$100000.00}.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

ace cash withdrew a large amount cash from our account they have as of XXXX stated they reemburse us we have received nothing and despite many texts and phone calls havenot responded
Consumer complaint received 2020-12-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Mr Cooper refinanced my loan in XX/XX/XXXX. The rates dropped to 2.23. I called in XX/XX/XXXX and the person said they could only offer me 2.26. Gave me all the wrong numbers and didn't honor the rate match of 2.23. I called back on XXXX because I got a 1.79 rate offer. I called Mr Cooper to check their rates and rate match. I was told he could offer me 2.24. He said that rate was since XXXX. So the 1st rep lied. He ran my credit for nothing. Did a soft inquiry on my credit and they aren't suppose to. This company are scamming folks in the midst of the worst time in our country 's history since the great depression. I don't think they should be handing VA loans. We sacrificed alot. Too much to be swindled. The bbb is filled with complaints in them in XXXX.
Consumer complaint received 2020-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX.
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently reviewed my credit.. and found a few accounts that where not mine.. I contacted the company and the court house it should have been removed.. well over thirty days ago.. still no response..
Consumer complaint received 2017-07-26
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. (VA)

I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my XXXX and Experian Credit Reports. At least for XXXX XXXX I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but Experian and XXXX XXXX are both illegally reporting this trash
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (IL)

I called the credit reporting agencies and let them know the inquires and charge off accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. 
18 U.S. Code 1028A - Aggravated identity theft
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, XXXX XXXX of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report!
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

XXXX I applied for a loan from Wells Fargo. line of credit. They denied me. My consumer rights where violated. 15 USC 1692k, 15 USC 1691, 15 USC 1642. 15 USC 1681m and 12 cfr 1002 because I the consumer made a application in good faith but credit was not issued. furthermore because my ssn was used and I received no benefit this proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Wells Fargo. also by accepting my application they have created a fiduciary obligation for the trust, by not extending credit 18 USC 3333 XXXX XXXX XXXX XXXX, also by denying my application they violated the consumer bill of rights : Access to basic basic essential goods ands services. they are also in violation of! 2 usc code 1431. civil rights violations as well 42 USC 1983, 1985,1986,1988.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (ID)

I purchased a XXXX sewing machine and cabinet from the XXXX XXXX. 
I disputed the transaction but my request was denied. I was unable to provide Synchonywith my side of the story because I was not given the opportunity to speak to the disupes dept. I was told just wait my 60 days. I have waited and now told the dispute was denied. I was not given the opportunity to explain my situation details. I purchased the XXXX and a cabinet. I was pushed into the purchase. The XXXX machine is beyond my capabilities and the cabinet does not even fit my space. When the delivery man dropped it off he was told by the owner XXXX to just fine a dumpster to put my current machine and my solid wood table in a dumpster. I heard that with my own hears. 
She claims that I abandoned the machine. I did not I tried to return the machine on XXXX separate occasions. XXXX was not at the store on the first time and the second time I was told by XXXX that it was too late. XXXX pushed me to make the purchase. XXXX distroyed my personal property.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX XXXX, Experian, XXXX, XXXX. about false information reported by XXXX XXXX. I contacted them all XX/XX/23 by phone and certified mail for them to remove this false information. I received a response from Experian that the information was certified and correct. I asked for proof of this which has not been provided. I know the XXXX XXXX does not provide information to the reporting agencies or any 3rd party data mining companies to certify. This statement by XXXX is false. This is false information and should be removed ASAP as there was no XXXX  XXXX XXXX that I was involved in. This is putting my business in a bad financial situation and companies like this should not be able to provide false information. Ty for helping in getting this resolved.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Wired money on XX/XX/2023 internationally and apparently the money was not deposited in the account given to the bank. I tried to make a recall and the bank did, but the money is not being returned to my account. It was a scam and the bank will not do anything else for me.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-31
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2022-12-30
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration (TX)

Person left a message on my work voicemail claiming to " represent the county process serving division ''. He requested that I be available with a photo ID either at my place of work or home. So that I could be served court documents. And that I 've been named in court documents. Instead of identifying the county he was calling from he requested that I call the XXXX at XXXX. Last week his office called and informed me that all of my bank assets were going to be frozen in 72 hours unless I called ... ... my assets remain very much unfrozen ... ...
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I just received a notification on my experian credit report that a collection from a " Phoenix Financial Services '' is owed in the amount of {$1900.00}. I've never done business with this company nor do I have any dealings with them. I do not owe them a debt so there is no reason this should be on my credit report. They do not have any contractual obligation from me because they would be able to provide my wet signature. This is not in accordance with the FCRA regulations.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I enrolled in platinum card upgrade offer on XX/XX/2020 for my Amex gold card. The offer states that if I spend more than {$5000.00} within 3 months ( 92 days ), I will get XXXX points. 

I have fulfilled this spending requirement on time, I've also contacted Amex several times, and the representatives confirmed that I've met the offer requirement before the spending deadline. But I still haven't received the points.
Consumer complaint received 2024-03-15
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. (GA)

On XX/XX/XXXX I have contacted the consumer reporting agency known as Equifax. I have looked at my credit report and notice some inquiries on my consumer report. I have asked the credit agency to provide the method they used and the companies that have placed inquiries on my consumer report. I do not recognize them at all. I am a victim of identity theft and I have contacted the IRS about these and have filed a whistle blowing from for the IRS to investigate on Equifax so that they are audited for these inquiries and accounts that I have listed in this message. Now I would like to add this and please read carefully. Please provide who placed this inquiry, who you spoke to do do the investigation on my report, whom placed this on my consumer report. What does permissible purposes mean? 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. Permissible purposes of consumer reports, To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; This is a major violation by obtaining my consumer report including my personal information which is private property and if you don't have my consent, you shouldn't be using my information without my consent and my privacy should be kept confidential. If you continue to use my information and my name fraudulently I will contact the IRS to do an audit on this company. 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
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RSH & Associates, LLC (MO)

I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXX FOR {$450.00} ACCOUNT NUMBER XXXX