davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXX XXXX we sold our condo. Settlement date was scheduled for XX/XX/2020. In Early XXXX I applied for and was granted Forbearance from BB & T because I had contracted the XXXX Virus and my husband lost his job. I was given 3 months forbearance so my mortgage payments would not be due until XX/XX/XXXX. In mid XXXX, while still quarantined, I got nervous about the forbearance and decided to pay my XXXX mortgage payment anyway. On XX/XX/XXXX, my husband paid the XXXX payment at the local branch. Then May came around and I worried again about the forbearance, so my husband also paid the XXXX payment on XX/XX/XXXX. All the while knowing we were closing on the sale of this property on XX/XX/XXXX. I had even called BB & T to ask if I needed to pay the XXXX payment. That call took place on XX/XX/2020 @ XXXX XXXX. The woman on the call said I should pay the XXXX payment even though I was in Forbearance. So, My husband went to the local BB & T bank and made the XXXX payment on XX/XX/XXXX. 
When we closed on the sale of the property on XX/XX/2020, we thought all was ok. We paid up XXXX & XXXX mortgage payments. We closed on XX/XX/XXXX. 
On XX/XX/XXXX I started to get alerts on my phone ; the 3 credit bureaus changed my status from pay as agreed to 30-60 past due. That is not true.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AE)

Saw on a recent pull of my credit report that there was XXXX late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since XXXX. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. I filed a dispute with all 3 reporting agencies. Equifax 's investigation was finished two weeks later, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. ID Theft Report from the FTC is attached. 

Equifax didn't even acknowledge my ID Theft Report from the FTC during the original dispute.
Consumer complaint received 2024-04-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (WA)

My wife and I, along with our son bought some commercial property ( rental property ) in XXXX, FL through a small business we started for that purpose ( XXXX XXXX, XXXX ), in XXXX. We originally started with a private lender and rolled that into a commercial mortgage in the fall of XXXX with XXXX That mortgage note was purchased from that original lender by Selene Finance LP ( www.selenefinance.com ) in early XXXX ; Selene did not correctly import our contact information, other than our address where we received notification that they had taken over the note and that the loan was in default. As we attempted to contact them they refused to speak with us ( Specifically XXXX who is majority owner of XXXX XXXX and is handling much of the business since he's in FL ). They did have my wife 's name down in their records but not myself or my son. We went back and forth submitting third-party authorization forms which they claimed we never sent, calling, emailing so that our son XXXX XXXX XXXX who lives in XXXX and manages these properties and is handling much of the business, could interact with Selene and make the payments. XXXX was the interface for our commercial bank account and was the only XXXX authorized to write checks or make ACH payments. This process took several months all the while Selene refused payment and so our account went further into default. The XXXX letter from them is attached. Eventually they started communicating with XXXX, and finally said they would complete a loan modification if we agreed to pay a defined # of payments and that they'd roll the remaining balance on to the back of the loan ( essentially a loan mod. ). We agreed to that but they continued to refuse payment or send any substantiating documentation to that effect. Continued emails ( many of which are attached ) throughout XXXX and XXXX by us have gone either entirely unanswered or they respond saying they'll get back to us. 
Selene 's automated phone system will not put us through to a loan officer. The system recognized our number and says " due to the status of your loan payments can not be accepted at this time ''. They continue to mount interest, penalties and we are unable to proceed without some form of assistance. Selene appears to be illegally forcing a foreclosure by refusing to correspond & /or receive payment.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kansas Counselors, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 i requested a investigation into some accounts that's being reported by Experian, one came back verified balance at the time {$5700.00}, i then requested a re-investigation on XX/XX/2020 asking them to send me the method which they used to verify the account and they responded with update/verified. ON XX/XX/2020 i again asked for there method of verification and this time they didn't respond at all it's been about 40 days since that request.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (VA)

According to my consumer profile this alleged debt with credit acceptance account number XXXX originated XX/XX/XXXX. I am XXXX XXXX military, and began XXXX XXXX service on XX/XX/XXXX due to the SCRA I the consumer am entitled to a 6 % interest rate reduction, and no late fees. I have spoken to a representative to make credit acceptance aware of this fact in XXXXXXXX XXXX XXXXXXXX, and I have yet to have this matter corrected on the account in reference.
Consumer complaint received 2023-01-06
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. ()

XXXX XXXX MULTI PRODUCT XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX. 
XXXX XXXX 2022 XXXX XXXX. 
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XXXX 2022 XXXX XXXX XXXX XX/XX/ 2022 2022
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wildhorse Financial Services, LLC (CA)

I wanted to check rates for a XXXX  on a vehicle. The XXXX XXXX site said for me to enter my info for pre approval. I entered info and at the end they asked for social security number ( optional ) I declined to enter. They called me with estimated rates and the XXXX asked if I wanted to apply and I said not yet. I needed to speak with my husband. I was puzzled because he knew my exact credit score and info on a few of my accounts. I asked how he knew so much since I hadnt provided my ss number and he said oh its a soft pull we dont need your ssn for that. We wont apply until you agree. XXXX minutes lates I get an alert of a XXXX  pull from XXXX XXXXXXXX XXXX which was the loan that XXXX from XXXX XXXX was offering me. I didnt agree to my credit being pulled. When I called XXXX XXXX  I was told thats how it works. They dont need your ssn to run your credit. If you input your name, address, etc they have permission. He advised me to read the fine print. Which tells me theyre purposely trying to trick people. Careful with bank rate and XXXX XXXX.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (OR)

I've previously filed a complaint with the CFPB about freedom mortgage. My complaint ID was XXXX. The prior issue was that the company never set up my online account, and I was unable to access my online account with the information that I had. The company responded to the CFPB complaint and made it sound as if I had failed to follow all of their instructions. That was incorrect. However, I was able to resolve the issue by talking over the phone with a customer service representative : they provided me with the information I needed to access my account information online, which included a social security number that was not associated with any of the mortagees listed on the mortgage or on the title to the property. Now, the problem is that my account was and still is registered under someone else 's social security number. The customer service representative previously gave me this other social security number over the phone so that I could create my account and create a new password. They did not provide me with any way to correct the error and ensure that the account was linked to the correct ( my ) social security number. Now, I have misplaced the social security number linked to my account, and I appear to have forgotten my password. I have no way to access my account, and I can not even call into their customer service line because when I call in, the system recognizes my phone number as linked to my account and asks me to enter the last XXXX digits of a social security number that isn't mine. I am unable to access my account or retrieve my account information to reset my password with my own social security number. Again, I think consumers need to be able to have some agency to switch the servicer of their loans if they are not provided adequate customer service.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

Syncrony Bank very misleading emails after getting their XXXX  month deferred interest offer. Every month they send a email which includes the minimum amount, balance and due date with no indication of when the XXXX  month is ending. CFPB should require the email to include a XXXX month date without having customer look at the statement. It can be anywhere on the email. Syncrony Bank 's business model is about making money from hoping customers forget and don't look at the statement.
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Bridgecrest Acceptance Corporation (TX)

I currently have 2 car loans with XXXX/ Bridgecrest Financial , I drive for XXXX and have 4 payments left on one vehicle. I contacted Drive-Time today XX/XX/2020 to inquire about getting another vehicle. I was told that they do not accent Uber/Lyft as a source of income and they would not be able to finance me. I explaijned to them that I am already paying for the vehicles I have through them with Uber/Lyft income. I believe that they are violating the fair credit act by not accepting what I make as an independent contractor. I have been told the reason is because they don't wa n't their cars used as rideshare, if I am buying the vehicle what difference does it make how I use it.
Consumer complaint received 2020-08-13
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consolidated Information Services Solutions, LLC (NJ)

On XX/XX/2020, CIS Credit Solutions at the request of XXXX XXXX, XXXX pulled my credit report without permission. After notifying them of an unauthorized hard inquiry, XXXX XXXX XXXX by email on XX/XX/XXXX, XXXX that " we'll handle the removals w the credit bureaus. '' As of today, that has not occurred.
Consumer complaint received 2020-06-14
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: NEW CITY FUNDING CORP. (NY)

Try to dispute an account that is over 7 years old. New City Funding repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with XXXX. I tried disputing it twice throught XXXX  both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. NCF wrote off the account and are now trying to double dip 7 years later and XXXX  is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC. (MI)

At XXXX XXXX XXXX XXXX XXXX called me. They told me I was on a recorded line and asked me if I was XXXX XXXX and I said I was. Then they quoted to me what they thought was my last 4 social security ( ss ) numbers were. At this point I refused to confirm information as it felt very much like a phishing scam. It seems it would be unlawful to call some and quote a name and last 4 of ss numbers due to privacy breach laws.
Consumer complaint received 2022-11-01
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: SANTANDER HOLDINGS USA, INC. (TX)

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from 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 Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-13
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
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 Acts 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 ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Consumer complaint received 2020-08-13
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: FIRST NATIONAL BANK OF OMAHA (CA)

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of XXXX XXXX. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$0.00}
Consumer complaint received 2020-08-13
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: DISCOVER BANK (CA)

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. Discover Bank XXXXXXXXXXXX Open Date XX/XX/2012 Balance {$0.00}
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have my both Personal and Business Accounts with Chase Bank.

Recently, I have seen someone or a some fraudsters have been putting monies into my both Accounts. I told the bank, but they only closed and froze my accounts. The business account was closed but nothing has been done about it for over two months now.I had money already in the account before those strange money came in. I did not touch the strange money. They have refused to give me my balance on that account. I called many times, been at the banking halls, even today. I went to report at the police stations multiple times.I have still not got my balance. 
I saw someone or fraudsters putting money into my personal account where I receive my unemployment benefit from. I reported and then they have frozen my account and can't buy food to eat. 
I suspect some XXXX whom I had business contract with are using my identity to operate. They frozed my business account two years ago.They collapsed my business two years ago and made me went bankruptcy. I suspect them. They might be using my identity somewhere else. 

Thank you
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

Tried to access my account with PNC to set up a XXXX XXXX XXXX. I wanted to link up to transfer funds, but even though I had my account info correct it would not let me. this was being done through the XXXX XXXX XXXX. After entering correct access info several times the network prompted me to file a complaint with your agency. So I am.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

I XXXX XXXX SS ending in XXXX would like your assistance in removing this collection from my credit report due to it being placed on my credit by numerous collection agencies prior to I.C System INC ( original debt XXXX  ) attempt to collect {$820.00} XXXX XXXX for an account XXXX. This is not the original collector ( unverified duplicate account ) the same debt attempted to be collected by XXXX XXXX XXXX XXXX for {$820.00} original source XXXX XXXX. I explained to XXXX the original source this is not my debt after a long hard fight I gave in and accepted the loss and the hit to my credit. After repairing my credit another collection agency attempted to collect the debt without notice and decrease my score 39 pts for the same debt. I've offer to pay and they said they will not delete it from my credit report. Please give me some guidance.