davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (FL)

My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is XXXX XXXX real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly. 

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them. 

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information.
Consumer complaint received 2022-11-03
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: Continental Finance Company, LLC (NC)

The Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " XXXX XXXX XXXX '' concerning an owed collection from Capital One in the amount of {$510.00}. I contacted Capital One directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Good Morning : I have been trying to work with SLS mortgage company. My loan is in default. I received assistance of {$65000.00} from TX XXXX program but the mortgage company would NOT accept it because it was not the full amount. I was pleading for a loan modification and this amount would help substantially with some personal funds that I have. Instead XXXX has continued with the foreclosure process instead of working with me, the homeowner. This lack of communication and lack of assistance upon request has been going on since XX/XX/XXXX and now I am scheduled for Foreclosure on XX/XX/XXXX. I am quite sure there are resources out here to help, I just don't know who to contact. Please advise if you know of any resource that I can contact. Thanking you in advance.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

My account is due to close the XXXX of XX/XX/2023, but its reason for closure is because of counterfeit deposits of {$400.00} but I did not make the deposits they are talking about and I want to file this report so that my account does not close. I believe the person who did this was XXXX XXXX.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SC)

On Friday XX/XX/XXXX I called ally bank because I noticed unauthorized activity on my debit card I was put through to the fraud department after the weekend on XX/XX/XXXX th I called back I discovered that there were not any disputes filed so this time I was transferred to the card disputes department who opened the disputes on my behalf for on XX/XX/XXXX I was sent an email that there was unusual activity on my account I called the next morning to be told by the loss prevention department that my accounts were going to be closed every since then my accounts have been frozen with no access to my funds on XX/XX/XXXX I noticed they let a charge go through so I sent myself a bill pay thinking my account was unfrozen and it would be the simplest way to get my funds out I deposited my bill pay check into my new account on XX/XX/XXXX I received an email informing me my {$14.00} rush processing fee had been declined due to insufficient funds my fear is that my bill pay check will receive the same treatment causing me to have deposited a check that wont be honored needless to say if that happens on my new checking account it will most likely be closed I am 25 days into this process this bank does not adhere to consumer protection laws at all it has caused me extreme hardship it promised XXXX liability debit card protection instead I have had all access to my funds denied I cant pay my bills and since I dont have a car I cant even XXXX anywhere if they do not honor my bill pay check they will also cause me to have a bad banking mark and possibly not be able to secure another bank account at this point the bank is deciding where I can spend my money choosing what is important enough to be paid and whats not I did not give the bank that authority I choose not them and causing me to bounce a check this bank is nothing more than a criminal organization and should be shut down that they are getting away with this is ridiculous I am clearly being discriminated against because I have a small consumer account and I am poor and honestly probably because Im a woman if I had the money to hire a lawyer I would have my money instead Im facing losing phone service and my home while the XXXX cats sit there in judgment deciding how my money should be spent and causing me future banking and credit problems from this all while openly and arrogantly violating my consumer rights and nothing happens I call almost daily email almost daily and Im told someone will call me within 2 days then within XXXX days my phone still hasnt rung and since it will be turned off soon wont ever ring
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (NC)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I purchased my home and financed it through XXXX XXXX in XX/XX/XXXX. At the time, the house was valued at XXXX. XXXX subsequently sold my loan to Mr. Cooper in XXXX or XXXX. In XXXX Mr. Cooper solicited a refinance from me, which I accepted. During this time, my home was valued at over XXXX. During the refinance process, a representative for Mr. Cooper informed me that the mortgage insurance I was currently paying would be taken off my account as I was well over the XXXX XXXX XXXX requirement. 

I did not confirm the insurance was taken off the account and only realized it was still on when I reviewed my XXXX statement. I reviewed Mr. Cooper 's website and confirmed the 80 % XXXX XXXX was still the threshold to remove PMI. 

I contacted Mr. Cooper and explained the situation. I was informed that the PMI would not be taken off as the loan is less than XXXX years old, and I did not make any improvements to the home. There are several issues here : 1. The loan for the home is not two years old. It was a refinance from a loan in XXXX that Mr. Cooper purchased from the original lender. When I refinanced, no additional funds were provided to me to increase the loan amount. 

2. Mr. Cooper 's website indicates the only requirement is an XXXX of 80 %. The consumer only finds out about this additional requirement once they call the company. This is a deceptive practice. 

3. I was told during the refinance process the PMI would be removed. 

I am requesting the CFPB review the matter for my account and determine the issue 's scope as it applies to other consumers.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (KS)

I have advised the company that I am unable to make the payments and that I am working with a debt consolidation company and to contact them with the attorney that is also working on my debts. They continue to call me everyday or every other day.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NY)

I was given a higher undesirable XXXX XXXX XXXX Quote on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a Credit Type Auto Report to XXXX XXXX XXXX that caused the high rate quote. 
LexisNexis has no way to get the report on the Internet stating to call them at XXXX -- XXXX. Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. XXXX XXXX  XXXX Is in violation of my rights. 15 U.S.C 1681 SEC. 602 A states that i have the right to privacy. 15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years. This is the previous dispute # XXXX to which transunion replied that the said account was removed from my credit file, however, the account is showing as an open account on my latest credit report.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (MO)

This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

My mortgage is too high with escrow included. I was told that I could lower my payments when I requested my 2 parcel numbers be placed as 1 parcel number. I did but my mortgage still goes up in XXXX XXXX  to XXXX from XXXX. Then I was told to get lower insurance coverage. I did. I was paying XXXX and I found a new policy for {$640.00} lower. Today when I called escrow the representative said my old insurance was lower than what I had been paying. She said I was only paying XXXX. How did it change from {$2500.00} to {$2100.00} so quickly after I found a much lower policy. I believe they are trying to cheat me out of my much lower rate by claiming I was paying less than I was. 

Also, The Cares Act paid 6 months of my mortgage but they show I owe late fees and that my original balance to be approx. XXXX but my balance owing is over XXXX. I am not and have not gained any equity why? 

Rushmore is XXXX  and XXXX  and this is not my first complaints made against them. I never understand what they are doing with my mortgage, but I have always felt undermined with them. I need some one who understands to audit my loan and escrow to make sure I am paying a fair mortgage. They are difficult to understand and work with.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (FL)

I purchased a car with BMW of XXXX, VA, back in XX/XX/2022. It is now XX/XX/XXXX and I still have not received a tag or registration for the vehicle. I have contacted the dealer several times to attempt to resolve the issue to no avail. The vehicle is no parked as it has an expired temporary tag and it would be illegal to drive. To me, the contract and loan terms have not been met because I paid for tax, tag, and titling fees. I'm beginning to worry that there may be some title issue preventing registration. Please help me resolve this issue.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (TN)

I filed a XXXX claim through XXXX XXXX XXXX on my Best Buy Citi Bank Visa. The claim began XXXX XXXX XXXX. XXXX XXXX XXXX  processed 1 retroactive payment for the XX/XX/XXXX statement in the amount of XXXX. Then they processed a payment of XXXX on XX/XX/XXXX for the XX/XX/XXXX statement. They only processed 2 payments from XX/XX/XXXX through to XX/XX/XXXX although I was on XXXX through to XX/XX/XXXX and another statement printed on XX/XX/XXXX. They refuse to pay. I called XXXX XXXX XXXX multiple times from XX/XX/XXXX through XX/XX/XXXX. I've sent and resent documentation proving my date of leave. However they refuse to process a payment covering XX/XX/XXXX to XX/XX/XXXX. Also the additional credit card holders on my account have been removed from the XXXX XXXX XXXX coverage without my knowledge preventing me from processing other claims. My mother has been an additional card holder for approximately 4 years and my sister for approximately 2 years. I've previously processed claims on my mothers behalf within the last 4 years and as of XX/XX/XXXX XXXX XXXX XXXX is advising she is not covered. I escalated this back on XX/XX/XXXX and resent my documentation. I didn't receive a call back about the resolution on the matter or no additional payment was processed.
Consumer complaint received 2022-11-03
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 submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I am missing one of my XXXX XXXX Credit Card account on my Experian Credit Report. My account from XXXX XXXX : XXXX is not reporting on my Experian credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.
Consumer complaint received 2023-03-01
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. (VA)

My personal information on my credit report is inaccurate, addresses need to be removed -15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information
Consumer complaint received 2022-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

XXXX XXXX XXXXXXXX XXXX  XXXX were taken out by my ex husband without my knowledge. When we were gathering our accounts and assets to decide how to split them as well as who was responsible for what, I learned of two unknown accounts i had not applied for that were in my name. In the divorce decree he agreed to be held liable for the debts as they were never my own doing and an act of identity theft. Once divorced I learned of these debts that were not only filed in my name but also sent to a collection company XXXX LVNV Funding LLC. 
The XXXX account ending in XXXX appeared on XX/XX/22 reporting to all 3 bureaus. 
The XXXX account ending in XXXX appeared on XX/XX/22 reporting to XXXX and XXXX. 
I have contacted XXXX XXXX XXXX directly as well as LVNV Funding to no avail. These debts are hindering me from taking out my first mortgage.