davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Skopos Financial, LLC (IL)

Account number # XXXX First and foremost, I want to thank the agent that helped me out last month when my problems were at their worst. She was very professional, reassured me that everything would be ok. She really helped keep me calm. I can not remember her name now, but she was a guardian angel indeed.

Now to the issue at hand. Over the last few months I've had to have the XXXX XXXX XXXX repaired not once, but twice, costing me about XXXX dollars each. The latest repair was to the oil pump sensor and the o2 sensors. I called them each and every time and tried my best to stay as current as possible, and keep up with my end of the responsibility of communicating with them. Most recently, I made XXXX payments in the amount of {$220.00} and {$250.00} respectively to keep the account as close to current as I could. XXXX trying to see where I am this week with things so I can figure out the rest but its been difficult. 

A few days ago I got XXXX separate letters, XXXX a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE a CO-SIGNERS NOTICE OF RIGHT TO CURE, the second of which was addressed to my spouse. Strangely dated for XX/XX/XXXX and I didn't get either til XX/XX/XXXX, leaving me little time to act. Both had different amounts on them and stated XXXX different actions if I didn't do anything, which is what prompted me to call and make the {$250.00} payment and let them know of my intentions. The agent I spoke too asked me what the letters said and told me they were automatically generated, to disregard them, and that as long as I was calling them and trying to make arrangements they'd always work with me. But why send me XXXX different letters with XXXX different verbiage???? 

I am trying my best despite my financial challenges the last few months to keep up, and I've kept up with my end of communicating. I have an XXXX XXXX that requires transportation to day care daily and need to hold on to the car and not risk repossession. My spouse also does not work for this reason at this time and is trying to find something that works. They say I'm out of extensions, but sometimes emergencies just happen and more often to some people.

I'd love if they can work out a break or an emergency extension of some sorts for me and my family, but they seem unwilling to with these letters.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MD)

I closed an American Express account XXXX ago. In XXXX I received a credit on the closed account of {$1900.00}. American Express mailed me a check since the account was closed. Then in XXXX American Express sent a statement saying I owed {$1900.00}. Then used my past bank information and auto debited my checking account for the {$1900.00}. My issue isnt that they asked for the money back they mistakenly sent me, its that they used my financial information without asking. I closed my account though they still allowed someone else to make a payment to it and kept my checking account information. What does closing an account mean? I thought my account is fully closed and my financial information like a checking account would be removed. Please help. Thanks
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-12
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: TRUIST FINANCIAL CORPORATION (FL)

On the date of XX/XX/XXXX a hard inquiry was placed without my permission, as soon as I found out I contacted the credit bureau to have it removed but couldn't I then put a freeze on my credit. I was told I needed to contact the finance company in question witch I did they said I needed to contact the person who submitted the application witch I did and I have a response. I didn't give out my SS # and don't understand how they can do this with out it. When he submitted the application it wouldn't go through because he didn't have my SS # and he wanted me to fill it in and I refused to give it to him. When I contacted him he said he would have it removed. How can this be so easy to do and like XXXX to remove?
Consumer complaint received 2022-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XX/XX/XXXX Called PHH Mortgage Services to discuss Escrow Analysis. PHH is stating an Escrow shortage and an increase of $ XXXX beginning XX/XX/XXXX. PHH does NOT pay the Homeowner 's Insurance, I pay in full directly to XXXX XXXX XXXX The taxes on the property are only increasing by $ XXXX for XXXX. 
PHH Agent XXXX reports that PHH gets tax information online and does not receive hard copies. Agent XXXX further reports that PHH is paying more in tax than my tax bill states and I need to go to the Tax Assessors ' Office to settle the dispute. 
On the attached documents, it is evident that PHH is using the same tax amount for the XXXX Quarter taxes, {$1400.00} as was paid for XXXX Quarter taxes ( {$1400.00} ) when the actual amount owed to the XXXX for the XXXX Quarter is {$1100.00}. 
On the attached XXXX document taxes do not appear to be paid for the XXXX Quarter.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (FL)

I receive notice that I had a new address on my credit report and it was across the country in XXXX Im in XXXX never been there I called because I was getting calls I signed for something and my XXXX been hacked and my Experian account been hacked that day and I need to reset my password so as I learned about the address they said XXXX account was under that address then they said I had to verify my account he said I didnt and they will send me something weeks later I get a credit report with the wrong middle name then found out Im in XXXX data breaches XXXX  and credit bureau and Im dealing with someone then I have a school on my credit report around the time they stole my information and ran up my debit card yes of this is to much I have credit cards and accounts seems high not sure all them changes is mine please get me out this mess find out who has my information and why am I getting so many breaches
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

Ive been disputing the validity of this account for a while. LVNV/Resurgent sent the account to another collection agency XXXX & XXXX XXXX XXXX. I sent the response back to have XXXX XXXX XXXX validate the account, however Lvnv/resurgent replies instead. I also received correspondence from the original creditor and realized the information provided never matched with lvnv/resurgent!
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Valentine and Kebartas, Inc. (TX)

Ive been disputing the validity of this account for a while. XXXX sent the account to another collection agency Valentine & Kebartas , LLC. I sent the response back to have valentine & kebartas validate the account, however XXXX replies instead. I also received correspondence from the original creditor and realized the information provided never matched with XXXX
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (TX)

I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

By definition Experian has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed
Consumer complaint received 2022-11-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have contacted Credit Appentance more then once regarding my late payments from the year of 2020. I explained that I was effected by XXXXThis is not a good company. I will not recommend anyone to use them. When you call the customer service representative is unprofessional.
Consumer complaint received 2022-11-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Hello I sold my property located at XXXX XXXX XXXX XXXX NY XXXX back on XX/XX/2022. Weeks Prior to closing I had contacted PennyMac to advise them that I was selling the home and not to pay the school taxes due at the end of XXXX because the new homeowner would be paying them at closing. 
Penny Mac however didnt listen and proceeded with paying the school taxes. I have been trying to work with PennyMac now for over a month to get my money back for the taxes that they paid. I confirmed with the school tax office that they sent the check back over a month ago. Penny mac blames it on XXXX, who handles their taxes however this is Penny Macs 3rd party vendor, however they hired them to do this function so its ultimately on Penny Mac to better manage that relationship and figure out what is going on. 
Where I moved to was hit directly by Hurricane Ian and therefore I am in a disaster area. We really need our money thats due to us for repairs to our home. 
Thank you for your help in resolving this matter. 
XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed this account multiple times, and this company continuously states it is reporting accurately. In XXXX response to CFPB complaint ( XXXX ) the company clearly states XXXX purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ( XXXX XXXX ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2018. The letter dated provided clearly states your credit card account with a balance of {$690.00} was acquired by Portfolio Recovery Associates , LLC on or about XX/XX/2018. This letter was dated XX/XX/2018!
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX, I received an email welcoming me to TD banks. Two days later, I received a welcoming letter to include a debit card and savings account information. I called TD Bak immediately, and they informed they would do a thorough investigation and close all accounts in my name. It is XXXX, and the accounts were never closed, and TD Bank never called me or sent the required documentation showing the status of the investigation. I believe TD Bank in XXXX ; PA used my information to fraud open accounts to make sales, and a Federal Investigation should take place, and I should be paid for Fraud.
Consumer complaint received 2022-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I received federal mortgage assistance from XXXX and was approved on XX/XX/2022 for my past due mortgage in the amount of {$37000.00} which paid up my account through XXXX, with forward payments to begin XX/XX/2022. I provided Freedom Mortgage with the approval letter the same day. When applying the funds to my account, Freedom Mortgage only applied $ XXXX which was the balance of my account up to XXXX and had my account showing that a balance is due for XXXX. I first contacted Freedom Mortgage about this issue via email on XX/XX/2022. I did not receive any correspondence or reply back. I called customer service also who were clueless as to why that amount was on my account instead of what is clearly shown on the approval letter. I called XXXX and they verified and restated that I was approved for {$37000.00} and that what was sent to my mortgage company. I am unable to pay XXXX 's payment and do not want to be reported late to the credit bureaus.
Consumer complaint received 2017-08-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC (FL)

I am being sued for a mortgage that was improperly foreclosed on and was taken to a Federal Class action Law Suite . I was awarded XXXX toward this instance and am now being sued for the difference of a XXXX mortgage. I have attempted to fax information about this to the company, have sent certified mail in regards to this. They have dismissed this and have now served me with a summons and are taking me to court.
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (WI)

AMEX solicited XXXX XXXX XXXX via several mailings along with terms & condition inserts, which I reviewed scrupulously, before providing my electronic signature collateral to verify specific criteria used for credit extension, per the FCRA. 

Shortly after several hard inquiries by AMEX were recorded on my credit record, I received a letter from AMEX, dated XX/XX/2024, requesting my personal tax transcripts, with attached disclosures citing the Federal Equal Credit Opportunity Act, Consumer Credit Protection Act & the Bureau of Consumer Financial Protection. Within these Acts, application prerequisites shall be disclosed BEFORE selection of the consumer for the offer of credit. Section 10 ( b ) ( codified in 15 USC 78j ) is the primary anti-fraud statutory provision. The SEC primarily enforced this anti-fraud provision under Rule 10b-5, which prohibits the use of any " device, scheme, or artifice to defraud. '' Rule 10b-5 also imposes liability for any misstatement or omission of a material fact, or one investors would think was important to their decision. AMEX did not include any information in account opening disclosures pertaining to personal tax transcripts. 

I provided Valuable Consideration in exchange for credit that was deceptively captured via my social security number, several times, significantly impairing my XXXX credit score. 

The Securities Exchange Act was designed to force corporations to disclose information investors would find pertinent to making investment decisions. Requesting further personal information, outside of a social security number, such as personal tax transcripts AFTER demolishing my credit, is unquestionably unacceptable. 

If you can not see the code you developed to make my account, in the photos attached, here it is for your convenience : XXXX. 

Furthermore, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. 

I've also attached my revocation of POA. Please provide me with AMEX process for retitling my account.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (NC)

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XX/XX/2022, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-12
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: Affirm Holdings, Inc (TN)

I opted to use a Buy Now Pay Later Loan for a security system through Affirm. I had the money to pay for it, or I could have put it on a credit card. I researched this lending company, and it said that if you make payments responsibly, it will not effect your credit. My credit dropped XXXX points, because they reported this " loan '' of about {$200.00}. I've had excellent credit my entire adult life, and it has taken a huge hit and been dropped to a lower category, because of this shady company. It didn't just say it once, it said it over and over and over again. Will not hurt credit. Will not hurt credit. This type of predatory lending should be illegal.
Consumer complaint received 2024-02-20
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 account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX account number : XXXX has violated my rights. 
15 USC section 602 A states i have a right to privacy.

and according to 15 USC 1681 e b they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to insure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-02-23
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX