davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX credit report company is vouching for Portfolio Recovery Associate, LLC to keep on my credit report {$9300.00} since XXXX. Case number : XXXX ; seller : XXXX XXXX  ; Current Creditor : Portfolio Recovery Associates , LLC ( XXXX ) XXXX. I file for complaints twice with Portfolio services and send them proofs of my paid in full XXXX XXXXXXXX and twice they rejected my complaints saying that XXXX credit report said it is my account and I should pay. I send proof that I don't have an account with XXXXXXXX XXXX  nor XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had my XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. I still get harassing notifications every two weeks for the same thing and leaving voicemails on my phone from Portfolio services. Last week I tried to reopen my complaints and I was told it was removed. But i just rain my credit and it is still there. Please help me resolve this matter. My credit report is ruined because of this item that does not belong to me. I tried to resolve it myself it didn't work out. I hire XXXX XXXX XXXX ( XXXX ) XXXX paying them {$120.00} every month for almost a year and they didn't clear it. I want my money back. FTC is my last resource now, please help me with these monsters out there who are keeling my livelihood. Thank You.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

I was double charged on my citi credit card. On XXXX XXXX, XXXX I was charged {$240.00} for a purchase that I made with XXXX XXXX. On XXXX XXXX, XXXX I paid this off in full. I did not place a follow up order. However, in XX/XX/XXXX I was charged {$240.00} for an order that I did not place or receive. Citi sent me a letter wanting more information but did not send the mentioned information that I needed to make a reply. Their letter did not make sense. They recended a credit they had issued for the {$240.00} saying I had received the merchandise, which I had not. I have always paid for things that I ordered, but I did not order a second shipment from XXXX XXXX nor did I receive one. I can not afford to pay this, and will not even though they want to ruin my credit.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

Hello Team, I have applied for Wells Fargo Active Cash Credit card Online ( Application # : XXXX ) with an excellent credit score on XX/XX/2022. 

Below is the Terms and Condition of that credit card published on the bank 's website. I have also downloaded a PDF copy of the Terms and Condition as of today, Just in case if, the bank change any clause while you are investigating on this.

URL - Terms and Condition XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nowhere in the Terms and Condition its mentioned that the credit card can only be applied by United States Citizens or Permanent U.S. Residency.

My application was moved to pending state asking for additional documents ( Two most recent pay stubs ) as part of the first review. I provided the same visiting the Wells Fargo branch ( XXXX XXXX XXXX, XXXX XXXX, CT XXXX ) on XX/XX/2022 XXXX PM EST ( I have the Fax Call Report shared by the bank ) On XX/XX/2022, I called the credit card department for the status and I was asked for additional documents ( Proof of Permanent U.S. Residency ) as part of the second review, Which was not a relevant document in my scenario, as am here in United States in a XXXX XXXX. I have also clearly selected that options on the online application form that am a citizen from a different country. 

I met with the Branch Manager, In-direct and explained the same.

While I was in the branch, the Branch Manager called the credit department and escalated the complaint ( Complaint ID : XXXX ) on XXXX XXXX. 

I received couple of calls from the respective escalation department. On the first call I mentioned all the above and I also informed that this credit card was approved for my friend who is the same XXXX category ( he is also a XXXX US citizen ) and they did said they will get back to me on validating this. On the second call, they again said they were not able to validate the permanent US residency of mine which is not a relevant document as per the selection I chose on the online application. 

Note : I can share my friend credit card account details with his consent I feel am not treated fairly by the bank ( Approving a credit card for a non-citizen with same visa status as mine and denying my application stating that they are not able to verify my permanent U.S. Residency when there is no clause mentioning the same ) Am seeking your help in further investigation on this matters as you have mentioned on your website that as a " Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions '' Kindly investigate and provide a fair Judgement.
Consumer complaint received 2022-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I contacted Penny Mac Mortgage because was getting my house refinanced on XX/XX/XXXX. When I went through the automated to check my insurance dates it said that I had an XXXX home insurance policy and that it was still good. When I called XXXX to get a declaration page for the new bank, they informed me that my policy did not renew in XX/XX/XXXX and they sent XXXX XXXX a letter. Hence, they advised that I was sent XXXX too. I told them during the covid pandemic, last year there was a time I did not get mail. On XX/XX/XXXX, I contacted XXXX XXXX back and they advised they received the letter from the insurance company and did nothing. I could not get any insurance no matter where I called due to a lack of coverage for almost a year. After getting insurance from the Virginia Plan which does not include but XXXX in personal property, there is nothing else I could get. On XX/XX/XXXX, I spoke with XXXX XXXX who is a supervisor. She researched everything and advised that her company was liable and that she would reimburse the {$1800.00} that Penny Mac charged me for the lapse in coverage and assist with the personal property coverage. She told me to give her some time and she would give me a callback. After failing to reach her for several weeks, I asked to speak with her supervisor on XX/XX/XXXX and she took my call. She advised that her supervisor approved the request on XX/XX/XXXX and went on for final approval and was denied on XX/XX/XXXX by XXXX XXXX. The reason being is they are not responsible to notify me when insurance is lost.
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (OH)

Experian has failed to remove fraud accounts off my credit report, they have also not provided me a answer on my dispute within 30 days. They have violated my rights under : I have also submitted the certified mail for proof experian is in violation. 


The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of below accounts need to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I used a referral link to sign up for a Chase Freedom credit card and I got approved. The referrer gets {$100.00} bonus and the referee gets {$150.00} bonus if spending {$500.00} within the first 3 months. The referrer confirmed receiving the {$100.00} ( XXXX points ). I spent {$500.00} within the first 3 months which can be confirmed with statements, but the {$150.00} ( XXXX points ) was not given on my account. I called on XX/XX/XXXX, Chase account supervisor in XXXX, MO call center stated they no longer have record of the promotion that I used to sign up. This is unacceptable for a bank to not have this type of record that is less than 1 year and 8 months old. I have a screenshot and link that I used confirm the {$150.00} bonus, if spending {$500.00} within the first 3 months. Chase denied my earned {$150.00} bonus and could be depriving other customers of their earned bonuses too.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act Convergent Account # Rentreporters, XXXX ( UNKNOWN ACCOUNT NUMBER DUE TO REPORTING AGENCY NOT PROVIDING IT., Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. ! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.IN ADDITION, IT IS REPORTING IT AS A XXXX XXXX XXXX XXXX CREDIT CARD ( CLOSED ) AS RENT REPORTERS, XXXX XXXX
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act XXXX, Experian, XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (FL)

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. 

XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 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
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (WI)

This is a two-party loan where I am the primary borrower. The second party has attempted to extend the duration and increase the total cost of the loan, without my consent.

The lender never contacted me before allowing an extension of the duration and increased the total cost. At no time has the lender given me no option to agree ( or disagree ) with a change of terms.

Upon becoming aware of the change of terms, I contacted the lender. Their representative of the lender said many things including, but not limited to : 1 ) " there is no primary borrower on a loan '' 2 ) " we can change the terms of the loan without consent of all listed parties '' 3 ) " we won't stop the extension ''
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I have a variable rate loan that resets monthly on the XXXX. a couple months ago i noticed that the payment went up and started looking harder at is because several things happened that month where the payment should have been reduced : 1. the fed cut rates 25bps and libor reduced accorting ; 2. the day count was lower and 3, it should have been calculated off a lower principal balance since i'm current and the loan is amortizing. so when i questioned they said it was a " timing difference '' and the extra amount goes to principal ... i have been asking for proof of the calculation but they will not provide. they only provide my payment history. i want to make sure they are applying the excess interest to the principal ... .it doesnt appear they are doing so and i have no transparency into how excess is applied. i asked for the calculations, - what should have been the interest and principal amount, and what actually got applied ... thus showing the difference. they claim they can not provide me that information. i believe they are just pocketing the difference rather than actually applying it to principal. they sent a table but i believe it to be incorrect as they never recalculate the starting balance to reflect the excess payment so i'm always paying extra interest on the higher starting balance. it should be easy for them to pull those historical numbers.
Consumer complaint received 2022-10-27
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. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-27
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. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; 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 2021-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (CA)

I have had an awful lot of sickness and death in my family. My husband just died of XXXX. My brother was on XXXX XXXX for 9 months. Then he died. My elderly mom in Mississippi and my stepdaughter in California are BOTH severely ill. So I am trying my BEST to recover my credit. So I make a little payment towards my credit cards. I usualy pay Synchony Home XXXX per month. But this month Synchrony XXXX instead of XXXX from my bank account WITHOUT ASKING PERMISSION. In contacted them. THEY REFUSE TO GIVE IT BACK. NOW ALL MY OTHER CREDIT CARD PAYMENTS ARE BOUNCING BECAUSE OF THIS. I AM SO UPSET I CAN '' T EAT OR SLEEP. HELP.
Consumer complaint received 2023-07-18
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. (MI)

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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 seven 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 2021-10-27
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: American Credit Acceptance, LLC (GA)

I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to XXXX on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : AMERICA CREDIT ACCEPT on XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

We had our Mortgage with Ocwen and it was refinanced. our current lender and title company sent the funds to pay off my mortgage on XX/XX/XXXX. it is 30 days later and Ocwen/PHH has not resolved anything regarding this issues. we are very frustrated and don't know what to do. 
We have called the mortgage company Ocwen/PHH AND HAVE NOT RESOLVED IT. I AM NOW PAYING DOUBLE MORTAGES. 
TITLE COMPANY WAS XXXX XXXX XXXX XXXX XXXX WAS THE COMPANY THAT DID THE REFIANNCE OCWEN/PHH was my prevsoiu company that was supposed to be paid off.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (TX)

Formerly, I made an investigation regarding this account with inaccurate information and no response or responses I have been receive and the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2023-09-27
Product: Credit reporting 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)

In according with the fair Credit Reporting Act XXXX  Account # XXXX, NAME : XXXX XXXX XXXX has violated my rights. 

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 furbish an account without my written instructions.