davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion had received my letter with giving instructions to delete false information. My privacy as been violated by Transunion for furnish this false information without my writing consent violating two statues of the law 15 US code 1681 ( A ) ( 4 ) and 15 US code 1681 ( B ) ( 2 ). By doing so Transunion had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 US code 1692c ( A ).
Consumer complaint received 2021-11-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MS)

I have a va loan through pennymac mortgage. For the past 6 months since the covid 19 benefits have started to be taken away, the forbearance plan that my house is in since XX/XX/XXXX, is set to end on XX/XX/XXXX of this year. I separated from the XXXX in XX/XX/XXXX and I started working out of state in Texas. My home is located in XXXX Mississippi, unfortunately this out of state working has cost me more money and I have taken a significant pay cut since I left the XXXX. 

When covid hit, I put my home in forbearance and haven't had the money to be able to make a payment for the entirety of the plan. For the past 6 months pennymac has been contacting me through an automated phone service. I applied for a mortgage assistance plan with the basis of it stating that I wanted to extend my mortgage out and bring my loan current so the payments could lower. 

They recently told me, for the first and only time that I was called by a human, that my application for modification was denied. Because of insufficient cash flow. Which was the entire reason I submitted the application in the first place. I can not for the life of me get ahold of an actual person at pennymac or anyone on my point of contact team. The numbers they list on their website either don't work or never get to an actual person. 

I'm sorry that this complaint is so long but this has been unbelievably frustrating not being able to get any kind of help from the company that promised to help me.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I opened and funded my checking account for {$50000.00} with Citi on XX/XX/2022, for the advertised {$700.00} new account bonus. Terms stated that the balance must be maintained more than 60 days to get the {$700.00} bonus. I was only awarded a {$300.00} bonus after maintaining the balance for XXXX  days.
Consumer complaint received 2024-03-27
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. (NY)

Credit company ( Alpheon credit ) credit company address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX ) This credit company sent me a credit card in the mail I did not request this credit card or completed any application this account has seem to be open as fraudulent I contacted the company and some of the personal information they provided is incorrect the spelling of my last name, my date of birth, telephone number and email this card that I receive I believe has yet been activated as I just got it in the mail however I did not request this account was credit card and I asked for this company to be investigated as fraudulent.
Consumer complaint received 2021-11-15
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. (MS)

I have reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. XXXX, Transunion, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified XXXX, Transunion, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had multiple credit cards at Bank of America for years. At this time, I have four credit card accounts with BofA. 

I have not been able to make payments to any of these credit cards from my XXXX XXXX checking account using the Bank of America web site. 

I have called both banks. They each say the problem is on the other bank 's side. I believe the issue is with BofA, however, since I can make payments to the BofA credit cards using the XXXX XXXX web site, but not using the BofA web site. 

This is especially inconvenient for me. I pay my credit cards in full every month. The monthly amount is variable, dependent on actual charges. I would like to setup autopay from the Bank of America side, and have the bill automatically withdrawn from my XXXX checking account. However, I'm not able to do that due to this issue. I am forced to make manual payments using the XXXX XXXX web site instead. 

In order to avoid missing a payment, I have had to set my bill preferences for all 4 BofA credit cards to paper instead of electronic, as an email bill notification is easy to miss. Paper bills are not good for the environment, and cost BofA money, as well. 

From what I have gathered, it appears that BofA has blacklisted the routing number for XXXX XXXX, which is XXXX, in their credit card online payment system. No disclosure is made of this blacklisting in any of the BofA disclosures for any of my 4 credit card accounts. I believe I should be able to pay my credit cards using any of my external accounts, including XXXX XXXX, using the Bank of America web site.
Consumer complaint received 2023-10-05
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. (NY)

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 Account XXXX : XXXX has violated my rights. Or 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 XXXX 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 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. Experian credit bureaus is conducting a promotional program called Experian/Boost youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program
Consumer complaint received 2022-10-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of 2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 


How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-15
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. (CA)

There are a few accounts on my credit report that do not belong to me, I wrote letters to Transunion and XXXX and they haven't done anything. These accounts are not showing up on my XXXX and I am a victim of ID theft.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Someone is using my name and social security number to obtain credit and Id like it to be REMOVED and ALL accounts CANCELED ~ Ive had a fraud alert on my credit for over a year and recently updated and there should NOT be any credit extended to anyone w/out contacting me DIRECTLY as indicated on ALL XXXX credit bureaus!.. Ive also noticed a XXXX name ( XXXX XXXX ) w/ a XXXX XXXX address has ALSO engaged in fraudulent activity/behavior using my social security number and credentials and its been Reported to the police where I live!! * please CANCEL ANY & ALL ACCOUNTS, LOANS and/or any other credit extended! * thank You!, XXXX XXXX XXXX ~
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NY)

Credit Collection Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I worked for this person sometime In XXXXIts was third party.its was a week hold placed on the check.After the week went by I received my debit card tried to pull money off and it wouldn't work.I then proceeded to call Chase bank and I was informed that my account was closed.I was told that my check for XXXX dollars was sent out on XXXX still haven't received any money.I just called back and now I'm hearing that me and the check writer have to come in and show id I would have did that at first With that being said JP Morgan Chase said they are keeping my money so I had to contact you guys.I know I'm not the only one help me out it's XXXX time and I need my money.They had a whole week to verify this before they cashed the check.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Cash advance — 
Company: AMERICAN EXPRESS COMPANY (MA)

To Whom It May Concern : On XX/XX/2016 I attempted ( unsuccessfully ) to withdraw ( drive-up ATM ) {$300.00} from my American Express ( Serve ) credit card ( hereinafter AMEX ) - via my local community bank retail branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX, MA ). After correctly inserting my AMEX Credit Card, entering correct PIN #, requesting {$300.00} cash ( sufficient funds in account ) and agreeing to XXXX XXXX and AMEX ATM transaction fee ( s ), the ATM locked-up and shut down, never dispensed any cash whatsoever ( {$0.00} ), and would n't release my credit card. I immediately went in to the bank 's branch, informed Branch Manager of what happened and assistant was able to get my credit card - but no cash ( as requested ). I complained to Branch Manager, then went home and logged in to my AMEX account. My AMEX account had been debited ( same day and time ) for a total sum of {$300.00} from the failed transaction ( {$300.00} cash requested, {$2.00} AMEX withdrawal fee and {$2.00} XXXX XXXX ATM fee. Then I went back to bank branch and was informed that I would have to file a dispute directly with AMEX ( informed by Branch Manager required by federal law via some Regulation E ). The following day ( XX/XX/2016 ) Branch Manager informed me that the funds I requested had been received by them from AMEX and that ( per Regulation E ) they had to wire same amount back to AMEX. So I correctly completed and faxed AMEX 's XXXX-page dispute form. Several days thereafter I received a " provisional credit '' from AMEX for {$300.00} ( within the 10-day period ). Several days later I received e-mail notification from AMEX that I lost the dispute ( was found guilty ) and the funds would be taken back ( my account debited ) on XX/XX/2016 ( which they did ). I was so upset I almost had a XXXX XXXX ( XXXX ). In closure, I 've been ripped-off a total of {$300.00}, and from my perspective it 's outright theft ( stealing ). By what company I do n't know ( 3rd party ATM transactional processors, etc. ). As much as XXXX XXXX staff sincerely tried to help and advise me, neither XXXX XXXX nor I know of what company the credit ended up with. AMEX customer service ( off-shore in-bound customer service call center ) will not, or possibly can not, provide XXXX XXXX and/or myself any contact person or phone # for anyone in the AMEX dispute department. I 've repeatedly called and repeatedly told the case is closed, and nothing can be done. CFPB, I completely believe what happened to me, and likely XXXX 's or XXXX 's of others in the past and future is just not some digital ( programming ) transmission mistake. Bottom-line I want credit card credited for {$300.00}. All of the above is 100 % factual. 

P.S. Hopefully, I will not me executed ( socially exterminated ) for challenging corporate America protocol ( the greed factor ).
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Mortgage Partners Inc. (NJ)

On XX/XX/2021 a mortgage application was completed with XXXX XXXX XXXX XXXX, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, XXXX XXXXXXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).