davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

credit report activity complaints will be always endless .IT IS HARD TO IMAGINE THAT ANYONE CAN HAVE AN EXCELLENT CREDIT REPORT TO SPEAK ON ITS OWN. THERE 'S HARDLY A CONSUMER PROTECTION Rights when they are being harassed silently or blindly. XXXX never apologizes when they do errors .Same applies to all other Companies. I can  never forgive XXXX on my one week 's internet under repair. This has been charged deliberately on pretext. while IRS OWES ME A LOT OF REFUNDS DUE FOR THE PAST YEARS. I am settling in a new place. Your response will be awaited for further action. I can afford legal expenses only when i get all these dues back to pay them. I hope you will treat this matter not lightly for unknown reasons or volumes of complaints received so far in your CFPB.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TX)

I received a net spend debit card with my information on the card. I did not apply for this net spend. This is the second time I received this. I called the net spend company and told them to stop sending me this. I did not request it.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX made a purchase on my XXXX XXXX credit card of XXXX with 6 mo no interest promo plan. On XX/XX/XXXX I made XXXX $ payment to pay regular payment and the entire promo purchase At no time was I ever informed I had to contact them to split payment and I was currently an assistant manager for XXXX XXXX at the time and we were never instructed to inform consumers of that either We were trained the regular payment would be applied and rest to deferred/promo purchase so therefore I had paid it on XX/XX/XXXX they applied the entire deferred interest of XXXX to the account
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Just notifying you of bad business practices by several mortgage lenders. My wife and I recently bought our first new home in XXXX, and have now been subject to two transfers of our mortgage as of XXXX. On top of this we have received several notices in the mail of companies wrongfully claiming to be the new servicers of the loan due to what is presumably our mortgage lender publicly disclosing our mortgage details. The companies in question thus far have been XXXX XXXX XXXX for the information disclosure and Shellpoint Mortgage for buying our mortgage and reselling it within a month of purchasing it to a new undisclosed lender that I know nothing about. This is ridiculous that I need to setup yet another account with a new lender that may or may not be my lender in a month. I dont want to default on my mortgage but I dont know who to legitimately pay due to these shady and misleading practices that seem entirely unnecessary.
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUN LOAN COMPANY INC. (TX)

Sent company Sun Loan XXXX XXXX in XXXX XXXX tx XXXX certified mail to cease all communication and harassment with me, family, friends and place of work on XX/XX/XXXX. ( have proof if needed ). Also talked to some one from company on XX/XX/XXXX after they called my work place to talk to my supervisor they were again told by me to stop calling my place of work and stop harassing me and that I knew they received by certified mail cause tracking service showed they received it on XX/XX/XXXX. They still continue to call my place of work as well as others listed ( also have proof if needed ) or will upload if needed.
Consumer complaint received 2019-07-20
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: Conn's, Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wyoming XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX Remove Unauthorized Hard Inquiries. 

Dear : EXPERIAN I am writing to dispute the hard inquiries that were made on my credit report without my permission. These inquiries were made without my knowledge or consent, and I believe that they were done in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, which governs the permissible purposes of consumer reports. 
I would like to request that you remove these hard inquiries from my credit report as soon as possible, as they are negatively impacting my credit score and making it difficult for me to obtain credit and loans. 
XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to the FCRA, consumer reports may only be used for certain permissible purposes, such as in connection with a credit application, employment screening, or insurance underwriting. However, I never gave permission for my credit report to be published for any of these purposes, nor did I extend credit to anyone who would require such a report. 
Therefore, I believe that these hard inquiries were made without my permissible purposes and should be removed from my credit report immediately. I would appreciate your prompt attention to this matter and would like to request that you provide me with written confirmation of the removal of these inquiries from my credit report. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NM)

My loan was taken over by Loan Care ( XXXX XXXX ) around XX/XX/2019. They have failed to provide me proper accounting upon take over. They have required an additional escrow repayment even though XXXX had just required that before take over. I have paid both additional escrow reserve requirements to ensure no hiccups. On XX/XX/XXXX, I called Loan Care because they had not posted any of my payments and showed I was 3 months behind. I had to provide proof of payment. This took hours! Mid XXXX, I paid the escrow reserve payment of {$110.00} again. On XX/XX/XXXX it came out of my account. As of XX/XX/XXXX they still have not posted it. I have called 3 times and sent 2 emails and they refuse to take any proof that my bank has provided. Now they are saying my XXXX payment is late even though I have provided both a transmittal form from ( XX/XX/XXXX ) the bank and a copy of my bank statement showing they took funds XXXX. They refuse to take that proof either. They have posted a late payment and are now reporting me 30 days late. On XX/XX/XXXX I have spoken to them again and they still refuse to take any proof of funds received. I can not keep calling them monthly when I pay on time. I have always paid on time. I have several mortgages and a 750+ credit score. I can not get through to any real person at Loan Care that can actually correct the issue. A consumer should not have to continually call and proof that a huge mortgage company has their money. This is a waste of time and I can assume I am not the only person having issues. I may be the only person taking the time to make a formal complaint.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IN)

I do have account into Collection called LVNV Funding LLC Under Resurgent Capital Services. I owes XXXX XXXX XXXX  XXXX. Last year I signed the payment plan to save XXXX mean I will pay XXXX for 24 months on XXXX for installment. About 9 months later I has paid XXXX mean It is left is XXXX on balance. In XX/XX/2019, I called LVNV to see if it is XXXX to ready to pay full but this person at phone told me that balance is XXXX. I told it is mistake and I signed the agreed payment plan for XXXX on 24 months. They said no so I have evidence letter so I did send it to company but they are denied it. I decide to cancel that because they are not honest as their company. 

LVNV keeps sending me letter about this. It is not working out for that. 

On XXXX I got email from XXXX XXXX that LVNV has sold my account to XXXX XXXX XXXX. Now XXXX XXXX. I got a letter from LVNV that they sold it to Resurgent Capital Service. I don't know why I do have 2 account in different collection. That's why it is furious about communition because I am XXXX. so Now my account is in 2 different collection and I don't feel uncomfortable to have 2 different collection.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX XXXX threatened to damage my credit by putting a charge on my credit reports. They wanted {$540.00} for falsely accusing me of having a pet while living there. Just after moving in I sent several emails to the office stating that they needed to change the carpet due to pet odor and hair. My daughter is highly XXXX! My daughter was not able to stay with me very often because of this issue. When I finally was able to move out since they never corrected the situation, I was charged with {$540.00} for pet stains. I refused to pay so they sent the bill to collections at National Credit Systems. XXXX XXXX XXXX changed management companies several times. Many other clients have the same complaint against them, unlawful charges upon moving out. I have contacted both XXXX XXXX XXXX and National Credit Systems asking for a copy of the lease where I PAID A PET DEPOSIT or any form of verification ( picture etc ) of a pet!! I will not pay for something I did not have. They were given the time to comply with my request and have not. Therefore the collection should have been removed from my XXXX and XXXX credit report. I have hired a lawyer and will sue since they have not followed the law. XXXX XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (OR)

XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, XXXX XXXX XXXX and XXXX XXXX XXXX, CEO, XXXX XXXX instructing them to cancel my XXXX XXXX XXXX XXXX XXXX account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX  was transferred to the FRAUDULENT account, which messed up my XXXX  account and will cause XXXX  to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, XXXX XXXX. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
Consumer complaint received 2022-12-02
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. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NY)

My account was fraudulently charge {XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the bank but they have never investigated the account. And now charged me interest fee, even though my bank account is charged in full. I spoke with someone called XXXX, who is supposed to be a supervisor but hang up on me without answering any questions.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed a fraud claim on XX/XX/XXXX and still have not heard back anything from Bank of America. I have called numerous times and trying to get this resolved. My account is missing over {$1400.00} and i still haven't receive my money back due to fraud. I need someone to address this immediately.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I got XXXX XX/XX/XXXX, I had my XXXX XXXX in a hotel room where all my belongings were got stolen. When I was XXXX  from XXXX  XX/XX/XXXX I decided to order a new card for myself so I could possibly access my funds, I was able to log on to my online banking and seen that over {$16000.00} was taken from my XXXX I call B Of A and I filed a claim over a month ago and I haven't heard anything back from them. I really need help getting the money that was stolen from me. I have documents that prove I was XXXX  if needed.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I have been trying to modify my mortgage with Ocwen Loan servicing for several years on and off. We claimed Chapter XXXX  bankruptcy back in XX/XX/XXXX, and have never been late or missed one payment on the bankruptcy plan. We did not include the mortgage in the Bankruptcy. During that period, I have had many issues with Ocwen. I had some times of late payments, but in the last two years have paid every single month. We received authorization from the court and my attorney to modify, and provided all the paperwork to Ocwen to allow them to modify the loan in XX/XX/XXXX.-The payments have not been tracked properly by them.-During several attempts to modify, they would put me on a pre-modification plan. They most recent was initiated in XX/XX/XXXX, I signed all the necessary paperwork, sent the paperwork via email, and also paper copy with the first payment one month earlier than due via priority mail and made every "trail modification payment" earlier than the due date. In XXXX, I received notice that all the sudden I was declined due to not signing a second document that they claim they sent me in XXXX. I am 100% sure that I never received that document. So now, at their mercy again, they are starting the whole thing over, sending a statement that I have to pay a balloon payment of over $8000, and saying I can try to modify again.- They took all the payments I made during the trail modification plan and reversed the dates and dated them all for XX/XX/XXXX, saying they are "Suspense" payment.- I called today, XX/XX/XXXX and had a schedule appointment with one of the relationship managers, and she said they had no record of the attorney allowing consent. When I pushed and said I mailed it , she said oh yes we do have it, I will have to send it to review and you can call back again. ( Every time I call I am on hold for several hours, yes hours)-They cut off my ability to pay online, so I was forced to mail the payment, because I know how they operate, I sent my payment prior to the due date via priority mail several times, so I had tracking. I have record that it got there prior to the due date multiple times and the payment was held well past the due date before they deposited it.-Every time I call there is a language barrier, and I have to repeat myself several times.They often disconnect me, and say that I will have to reschedule a call, sometimes not being for weeks away.- I have never had a conversation where I feel like I am being heard or clearly understood by them, it always a repeat of steps that always end up getting back to where I started with no resolve. I am aware that I am not alone with these issues with this company.
Consumer complaint received 2023-04-01
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

I am a senior and XXXX XXXX XXXX at Texas XXXX XXXX XXXX University and I received a solicitation in the mail with a specific invitation number for me to apply for a Discover STUDENT credit card. Discover promoted the card to me as an entry level credit card designed for students. Regarding student credit cards, Discover 's website states ; " Students, build your credit history here. '' However, when I applied for this card, I was told on the phone that my roughly XXXX XXXX dollar income was not sufficient and I was promptly denied. This denial may have a negative impact on my credit score and if I had not been specifically solicited to apply, I would not have done so.