davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have filed a previous complaint regarding Bank of America not offering a viable alternative to catch up on payments on forbearance after pandemic. You guys reached out to them with previous complaint filed one month ago and they did call and work with me pretending to work with me on offering a loan motification that I was told multi times I did not qualify for Bank of America special department called me too pacifist the complaint with the cfpd had me apply and I stated I dont qualify you told me I do not but you are supposed to via the cares act federal law supposed to offer a doable payment plan to catch up after pandemic forbearance they stated no other options and said they are now more open for a loan modification which sounded like a lie to me. Sure enough they answered the complaint to you guys had me apply for a modification that like I said told me for months that I did not qualify for due to no tax returns from stay at home order re pandemic as soon as case was closed last fri I received a call XX/XX/22 at XXXX pm no modification in system applied for and representative asking me how am I going to pay past due Please note frustration I was in forbearance for 18 months and I am only 4 payments behind I feel bad for people that are XXXX XXXX XXXX payments behind that they are doing this too
Consumer complaint received 2022-07-25
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. (MD)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

On XX/XX/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. 

I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. 

On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX   and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. 

This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX  rep adviced that i report Credence Resource Management to their fraud department for which i did. 

In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.
Consumer complaint received 2019-03-29
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: Eagle Accounts Group, Inc. (NY)

There are some unauthorized accounts and inquiries on my credit profile that I NEED assistance in removing. Below are the list of accounts and inquiries, dates and times.

ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$15000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX2 ) XX/XX/XXXX -AMOUNT {$1800.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XX/XX/XXXX END OF ACCOUNTS : INQUIRIES : 1 ) XX/XX/XXXX- DATE OPENEDXX/XX/XXXX 2 ) XX/XX/XXXX-DATE OPENED XX/XX/XXXX 3 ) XX/XX/XXXX -DATE OPENED XX/XX/XXXX 4 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 5 ) XX/XX/XXXX - DATE OPENED XXXX 6 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX 7 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 8 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 9 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 10 )XX/XX/XXXX - DATE OPENED XX/XX/XXXX 11 ) XX/XX/XXXX - DATE OPENED XX/XX/XXXX 12 )XX/XX/XXXX- DATE OPENED XX/XX/XXXX 13 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX 14 ) XXXX - DATE OPENED XX/XX/XXXX15 ) XXXX XXXX XXXX XXXX - DATE OPENEDXX/XX/XXXX16 ) XXXX XXXX XXXX XXXX  - DATE OPNEDXX/XX/XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX - DATE OPENEDXX/XX/XXXX19 ) XX/XX/XXXX- DATE OPENED XX/XX/XXXX20 ) XX/XX/XXXX- DATE OPED XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a XXXX rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XX/XX/2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather
Consumer complaint received 2018-09-13
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: Avant Credit Corporation (OH)

I went online to check my credit with XXXX XXXX, and i found out my number. and for the last 10 years someone has had my social security mumber and it caused my credit to go down the drain. then after i was done with the site for XXXX XXXX, there was this application for a credit card, so i automatically figured it was associated with XXXX XXXX, and just for the XXXX  of it filled it out and just see if i would be accepted. this took place first thing yesterday in the morning on XX/XX/XXXX, later the very next day, not even 24 hrs later, there was {$10000.00} dollars into my checking account!! i phoned this company and told them i did not agree to this loan, and they told me yes i did and i told them again, no i did not and i do not want this money how do i send it back, also, it was still in the pending process.which meant it didnt go through yet and my bank couldnt get involved because it, s a civil maters, then once again " AVENT Credit : '' told me, '' yes you did sign this agreement, and i explained to them, i do not want this money dont let it go thru, all i wanted was to just see out of curiosity if i applied if i was now eligible!! because after struggling to repair my credit the last 10 years!! they told me no i can not, i could but it would cost me {$480.00} something dollars for having to reprocesses the transaction. i told them i was calling the federal trade commission on them cause their a scam company, they put money into people 's accounts and then charge {$480.00} to each person when they dont want it and report me to a debt collection company, iam XXXX years old and do not have any extra money or even close to that amount and it will make my credit so bad again and i do not want their money!! i just want to give it back and because it was still in the process department what was the big problem! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they seem to be sonmehow connected to XXXX XXXX!
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FM)

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX  via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. EXPERIAN responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

Experian is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Made a purchase From Biglots/Commenity Bank and set up automatic payments on the phone with a member of customer service. I received a call from the XXXX and a statement that says I'm two months behind and it is reporting on my credit now. Please help me!
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received notification from Portfolio about 2 accounts I owed and I tried to explain that I am a victim of identity theft and did not open the accounts ( XXXX and XXXX XXXX ). They refused to listen and reported the accounts on my credit reports.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Lender Inc (IL)

I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (OH)

Applied for XXXX Chase credit card XX/XX/XXXX was approved with a sign on bonus of XXXX each. XX/XX/XXXX lender called to verify types of activities on account. Lender agrees with activities, in XXXX XXXX Chase closed both credit card with the reason of credit card activity is inconsistent with expected activity. Disputed in XXXX XXXX was told to check terms and conditions, Called executive offices today XXXX/XXXX/XXXX was told can not access account and to apply for a new one. 

I would like chase to return all my forfeited points. I believe chase has allowed other customers like me a 30 day window to redeem or transfer points out of chase. Chase has not allowed me to do this. I had lost a total of XXXX Chase Ultimate reward points, this points do not include activity which I had on the account that should have posted had they not closed my chase credit cards.
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

I noticed my credit report reflected 3 entries that I do not recall having put into the 3 Credit Bureaus. This was done and put into the Credit Reporting Agencies by a Company that I have not had any interaction with. I have 3 amounts one for XXXX, one for XXXX, and one for XXXX this is a shame for someone to get a name and commit fraud putting this information in the Reporting agencies database without knowing the law. This is called Identity theft, CFR 603.2. I did not consent to anyone using my information nor did I consent to these fraudulent accounts which were opened without my knowledge, and if there is anything to be put into a Consumers file they should be able to sit down and see if there is indeed the Consumers correct information and if they are indebted to these crooks.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization.

As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act.

But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.

I have attached for your review my dispute letter I sent to this company earlier and my FTC report
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

I was promised with the first phone call if I paid this debt they would remove it from my report. The debt is paid and they will not remove it. I have disputed with the credit bureaus to no avail. 

They have also re-aged the debt to a newer first date of delinquency. First date is XXXX and they have XXXX with the credit bureaus. 

They are also reporting that they are the orignal creditor. 

All of these actions are in violation of the fair credit reporting act and consumer protection laws.
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

I have purchased a new XX/XX/XXXXXXXX XXXX from XXXX XXXX XXXXXX/XX/XXXX on XX/XX/2020. Loan in the amount of {$55000.00} was financed by Chrysler Capital at the exorbitant 9.10 % APR loan # XXXX. I have refinanced the loan with XXXX XXXX XXXX for a much lesser APR of 2.99 %. XXXX XXXX XXXX has sent a pay-off check # XXXX in the amount of {$56000.00} issued on XX/XX/2020. Chrysler Capital received the check shortly, however only cashed it on XX/XX/2020. As of today XX/XX/2020 they did not close the account and did not apply the funds towards my Chrysler Capital loan, so I have 1 vehicle and 2 open loans for it. I am paying regularly for my loan generated by XXXX and I am past due on my Chrysler Capital loan and Chrysler Capital as of today keeps saying that they are looking into it and the loan is still open. I have provided to Chrysler Capital the copy of the cashed check and they continue to say that they can not locate the funds and thus can not close the loan and credit my account with the pay off. I started calling Chrysler Capital since XX/XX/XXXX, to find why they haven't cashed the check, they claimed to never receive it. Finally, my local credit union provided me with a copy of the front and back of the cashed check, which I forwarded to Chrysler Capital. I have been calling regularly on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and the response I got was this : from regular CSR I was automatically transferred to the Executive office that deals with complaints of Santander Bank and while the executive office employees were trying to help it did not produce a resolutions and my loan is still open. CSR XXXX, XXXX, and today XXXX were genuinely polite and trying to help, but my loan is still open and I soon will be reported to the credit bureaus. Please help me get this resolved. They have all the proof and the copy of the check, but Chrysler Capital is maliciously not posting the pay off to my account. I have made a total of over 30 calls each for 15-30 min and it has been extremely stressful for me and no one at Chrysler Capital ever contacted me back, I was the one to always call them. Please help me get my pay-off posted to my account.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (IL)

I receive about 10 calls in a 5 hour period from the collection agency for XXXX debt of {$1000.00}. This has almost costed me my job at times. I have told them to stop calling me after they started demanding I find someone to help cover the cost after having XXXX. I have blocked over 20 numbers they call me from and I still receive muliplte calls a day from them from all different numbers.
Consumer complaint received 2022-03-08
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)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (IN)

In XXXX of XXXX through XXXX of XXXX my card which I was receiving my veterans affairs XXXX benefits direct deposit on was stolen or actually the information was stolen off of a cell phone that was stolen from me and I immediately reported it to the cops and I immediately reported it to the bank I filled out all the dispute agreement forms that they requested from me I sent them undeniable proof that these transactions had happened and that I had not committed any of them and no matter how many times I've reached out and tried to contact the bank and resolution to this matter no one will help me no matter what I do.
Consumer complaint received 2022-03-08
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. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I open an account with XXXX XXXX Bank of New Jersey back on XX/XX/2018, it was reporting to Equifax for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OR)

LVNV Funding LLC : collecting debt for XXXX XXXX Bank. {$560.00} 2016 reported Identity Theft with XXXX 
XXXX : collecting for XXXX {$190.00} reported identity theft to them and to credit bureaus identity theft. 
XXXX : collecting for themselves. {$530.00} reported to them and to credit bureaus identity theft. 
XXXX XXXX : collecting for themselves. {$1000.00} reported to them and credit bureaus identity theft. 
XXXX XXXX collecting for themselves. {$500.00} reported to them and credit bureaus identity theft.