davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

On XX/XX/2020 I sent a validity of debt letter to : Credence Resource Management , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX Reference ID : XXXX Amount : {$260.00} That amount does not belong to me. They put a mark on my credit report without my knowledge.
Consumer complaint received 2019-12-05
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)

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX, $XXXX, $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX/XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Starting in XX/XX/XXXX HomeQ sold our mortgage to PHH. Our mortgage payment was on auto-pay to HomeQ and were current in all payments. We were never notified that our mortgage was sold to PHH. As a result we continued auto-pay to HomeQ in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PHH is claiming that we are four months behind in payments, we started making payments to PHH in XX/XX/XXXX and we are continuing to do that on an auto-pay basis.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute multiple " paid in full '' accounts on my credit report as I understand it, these accounts should not negatively impact my credit since it has been fully paid. As part of the agreement these paid items were agreed to be removed as paid in full.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc. (MI)

I send a letter to this company dated XX/XX/XXXX. It is now XX/XX/XXXX ive never gotten a response from them. I have tracking number and proof of delivery. They are showing on my consumer report that the account was open XX/XX/XXXX and it has a balance of {$1300.00}. I have never had an account with this company.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/XXXX I called Comenity Bank US customer service to inquire why I am being charged two different APRs to the balance of my Comenity Bank XXXX XXXX and XXXX 's credit cards, and why both interest rates are so high ; APR on purchases before XX/XX/XXXX is 27.2400 % ; " new '' APR is 29.2400 %. 

On XX/XX/XXXX the balance of my Comenity Bank XXXX 's card was {$950.00} w/minimum payment due {$45.00}. 
As of XX/XX/XXXX my current balance is {$450.00} - a difference of {$500.00} On XX/XX/XXXX the balance of my Comenity Bank XXXX XXXX card was {$1400.00} w/mimimum payment due {$70.00} As of XX/XX/XXXX my current balance is {$500.00} - a difference of {$940.00}. 

It should also be noted that I have two other Comenity Bank Cards which I have paid in full. 

The XX/XX/XXXX balance of my Comenity Bank XXXX XXXX card was {$1000.00} - Current balance XXXX I paid the balance of my Comenity Bank XXXX XXXX card in XXXX in XXXX of XXXX. 

I have NEVER been 60 days late on a payment for any of my Comenity Bank credit cards. I asked if my interest rate could be lowered as I have a decent credit score ( XXXX currently ) AND my accounts have always been in good standing. I have also substantially lowered my credit card balances since the beginning of XXXX. 

The representative told me Comenity has raised APR interest rates for all products and the interest rate could NOT be lowered. The representative stated she did not know why the APR interest rates were increased, nor could she fully explain how the interest rate application was applied to account purchases. She stated the " computers ' track the purchase history and split the interest payments accordingly. 

The representative advised I pay all credit card balances in full within the billing period to avoid interest charges. But offered no other solution to lower my APR interest rates.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/24, I called to speak with Synchrony Bank about my PayPal Mastercard account regarding inaccuracies in their billing documentation. Specifically, I received several emails with statement amounts, minimum payment due, and due dates but those notices did not reflect the actual payment amount required. ( Emails are attached ) This caused late fees to be incurred as well as reporting to the credit bureaus that I was late in making payments which was actually not true. I paid in accordance with the information provided on the attached email documentation. 

I spoke with various individuals ( most notably someone named XXXX, and someone named XXXX ) both of whom indicated that they could not remove the late fees that were only a result of not having paid enough, not because the payment was late. 

I paid amounts that were well over what was listed on the emails that were sent. If the verbiage on the email notice had any indication that the amounts listed may be inaccurate or similar, that would be one thing, but I signed up for electronic billing. I thought this is what that was and paid accordingly. This appears to be very deceptive in terms of their business practices, first, by sending me misleading account information, and second by not having policies and protocols to address when their own systems have not done right by the customer.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TN)

CREDENCE RESOURCE MANAGE. 
Continues to state I have a collection account for {$340.00} for XXXX XXXX XXXX. I never received written communication from XXXX XXXX XXXX or Credence Resource Manage for any type of account. This account was the result of a fraudulent act committed by a criminally abusive boyfriend who had access to my private information. He had no permission to use my information for his phone plan. They continue to post this on my credit report and I have to relive the pain caused by him each time they deny my dispute. I just want this to be over with.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/2019 Certify Mail XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Taskforce on Federal Consumer Financial Law XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Cc : XXXX  XXXX  XXXX  XXXX SELECT PORTFOLIO SERVING INC. 

This complaint is brought to address CFPB misconduct and obstruction handling the following complaint against XXXX XXXX  XXXX XXXX to help the company to avoid disclosure information that is needed to resolve the matter in the complaint. The following complaint were filed to CFPB : Complaint ID # XXXX dated XX/XX/2019 Complaint ID # XXXX dated XX/XX/2019 Those complaints Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) against XXXX XXXX, the company has refused to respond, instead, according CFPB employee had said that XXXX XXXX  responded under ground, leaving no trace of any written that the account do not belong to them. ( See Complaint ID # XXXX and XXXX ). Company responded the complaint does not belong to them on XX/XX/2019 Company responded the complaint does not belong to them on XX/XX/2019 XXXX XXXX, also, have failed to respond the previous complaint. We have notice that CFPB maliciously forward the complaint to SELECT PORTFOLIO SERVICING ( SPS ). We do not need any answer from SPS. 

We just a request a formal letter from XXXX XXXX  saying what they saying underground, that the account do not belong to them, period. 

We request an investigation regarding this misconduct, to allow this matter of this account to be solved amicable and timely. 

Find the attached Complaints. 

Respectfully submitted, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2020-02-29
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: Innovis (TX)

sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in XXXX were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXXXXXX, XXXX
Consumer complaint received 2020-02-29
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. (TX)

sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX  XXXX, XXXX
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (FL)

1. My first collections report is from XXXX XXXXXXXX XXXX XXXX, the collections company is Aldous and Associates. I was renting an apartment from XXXX XXXX in XXXX, I decided to go spend sometime back in XXXX XXXX XXXX XXXXXX/XX/XXXX, during my road trip back home I was injured in a Semi truck collision which I was NOT at fault. I reached out to the XXXX  manager at the time letting her know that I would not be able to return to the apartment as my car was completely totaled out and I needed months of physical therapy to recover. The apartment and I were in agreement that as long as I cleaned out the apartment and returned the keys, the lease would end as a normal lease would end. Later that year in XXXXXXXX XXXX XXXX I noticed the collection was added to my credit report. My lawyer at the time contacted the apartment and was in agreement that it should not be on my report, but now in XXXXXXXX XXXX XXXXXXXX an {$3900.00} balance is still attached.
Consumer complaint received 2021-08-31
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. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-11-22
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (IL)

I have never received any written or verbal communication from this company stating I owe them anything. The last I heard from XXXX was they were going to investigate the debt and they will have diversified consultants stop the credit reporting. This is against the law and they have no proof that I owe this debt.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance with the Fair Credit Reporting Act, XXXX, & TRANSUNION has violated my rights. 

XXXX  XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX TRANSUNION Dept Of Treasury Account # XXXX 15 U.S.C . 1681 section 602 A states I have a right to privacy/ 15 U.S.C.1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-02-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

For 4 to 6 weeks trying to close a mortgage. 
After laboring to get all the documents to them they had everything & I paid for an appraisal. 
Then they needed veiication of tax return from IRS. This took several weeks to get & then they said they couldnt accept it from me ( I faxed everything from the IRS ) IRS had to send it to them & they could not retrieve it because my account was blocked because of fraud??? 
This is Cash Call in XXXX XXXX XXXX XXXX I am more than frustrated.
Consumer complaint received 2024-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

My loan number is # XXXX in the name of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I have trying to pay down the outstanding balance but Pen Fed keeps reversing my payments. The following payments to pay down the HELOC principal balance were not processed XX/XX/year> {$25000.00} XX/XX/year> {$10000.00} Please explain to me why you are not letting me pay down my principal.
Consumer complaint received 2021-08-31
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I did not authorize this company to pull my credit. I have asked Cardinal Financial and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/CARDINAL FINANCIAL COMP XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN TOOK THE INFORMATION FROM XXXX XXXX WITHOUT EVEN INVESTIGATIONS THAT 1 ) I NEVER CLOSE THE ACCOUNT AT MY REQUEST. 
2 ) HAD BEEN WITH XXXX  XXXX  SINCE 1992 FROM XXXX. 
3 ) ALWAYS PAID IN FULL EVERY MONTH ALL THESE TIME FOR 38 YEARS. 
4 ) LAST 2 YEARS WE HAD A DISPUTES W/ A MERCHANT ( XXXX   XXXX  ) FOR {$500.00} THAT NEVER FINISH THE JOB, JUST WALK OUT. 
5 ) XXXX XXXX NEVER FINISH THE DISPUTES. THEREFORE, UNABLE TO PAY FOR UNFINISHED JOB.
Consumer complaint received 2020-02-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I received notice that my loan was transferred to Freedom Mortgage Corporation from XXXX XXXX on XX/XX/2020. On my first mortgage statement I was charged a fee of {$120.00}. There was no explanation for the charge. The last statement from XXXX XXXX did not include this fee and my XXXX payment of {$2500.00} was processed by the previous loan servicer on XX/XX/2020. After waiting more than an hour for someone to take my call, I asked the Freedom Mortgage representative ( XXXX ) to remove the fee and he stated that the fee was from the previous servicer ( XXXX XXXX ) and could not be removed. I was told that there was no way to credit the fee because it was from the previous servicer and no further attempt was made to resolve the issue. When I asked to be transferred to a supervisor, the call was disconnected.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX ( AKA " XXXX  " ) HAS BEEN STEALING MONEY FROM MY PAYPAL ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY XXXX HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from problems with my XXXX!!!! & because I need to write other letters to other people about other things! I have filed more detailed complaints about XXXX before! I will file more detailed complaints about XXXX later! For now - I need to keep this short! 


I cancelled XXXX XXXX so-called " service " months ago! I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 


Apparently - - - XXXX  used a different merchant id to steal more $ $ $ from my account!!!!!!!
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (UT)

I received promotional checks that could be written of of my existing credit line at U.S. Bank. They stated that using the checks would include a 0 % APR through my XX/XX/2023 billing cycle and could be written for an amount up to the amount of credit available on my card. I wrote two of these checks believing I understood the terms, only to find out that each of the checks incurred a 4 % fee. 
I had since shredded the last of the three checks so I accessed U.S. Bank 's site to see what I could find about the fees and in much smaller, legalese-type text it includes a note that refers me to Interest and Fee Information disclosures. 
I do not believe this was unfairly represented in the checks that I received in the mail. I feel the marketing of this promotion is deceptive and led me to believe that the only " fee '' I would be charged is standard interest if I were not to pay off the balance before the XX/XX/2023 billing cycle. It feels abusive to not be reasonably presented all information or the opportunity to access it without incurring extra time-cost and navigation to an area that wasn't clearly presented. 
I contacted U.S. Bank on XXXX and lodged a complaint under UDAAP principles and they stated it would be delivered to their marketing team and other " higher ups. '' Obviously, I don't know exactly what that entails but I'm hoping they see it and correct their marketing materials. 
I feel that these fees should be reversed in full and that their marketing materials should more clearly state that fees are applicable and detail what they are without requiring me ( the consumer ) to have a law degree to get there.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (GA)

I had a account with home depot that was charged off as a bad debt. I had them in dept management program. They later refused the arrangement and told me I had to changed my payment amount through the debt management after being on the program for 3 years. I tried to negotiate with them but too no avail they charged it off as a bad debt and disregarded all the payments that I had applied through my debt Management program. Now they keep selling the account to different agencies that continue to harass me. And keep updateling the charge off after 4 years now keeping it in my file where it will never fall off after the law of ten years. This is not fair to all 3 of my credit files. This seems like fraud against me as a consumer and harrassment phone and mail wise.