davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aswad & Ingraham, LLP (NY)

Someone showed up at my door claiming to be law enforcement and said he had an arrest warrant for me but if I contacted the agency he wouldnt have to arrest me. He has shown up twice wearing a badge around his neck. I didnt ask him to show me his badge but I will next time he shows up.
Consumer complaint received 2021-07-23
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: CORELOGIC INC (NJ)

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called Corelogic Credco, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the 500 range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Please see original complaint # XXXX Submitted on : XX/XX/2021 Please see the details in the attachments. 

After I had filed my original complaint, the CFPB contacted Bank of America, who responded by sending me an email ( see attached ) from a department titled " Regulatory Complaints ''. 

I followed instructions by immediately calling the number listed and the extension of the involved party. 

When the number first connected, the prerecorded opening says, " this is an attempt to collect a debt '', it never mentions Bank of America. 

The extension number goes right to voicemail. I left 4 total messages between XX/XX/XXXX, XXXX, and XXXX. I have yet to receive the promised callback within the 48 hours promised in the initial email. 

I tried calling Bank of America directly on XX/XX/XXXX to inquire about this department but nobody I spoke to initially, 4 people in at least 3 departments, seemed to be able to figure out if this department actually exists or how to contact them if it did. 

I was finally connected to a person, XXXX XXXX, in the credit department, who was able to figure out how to interpret the codes on the notes in my account and located the " Regulatory Complaint '' department. XXXX XXXX told me that XXXX XXXX, the individual who I am supposed to contact, was not online at the moment but suggested that he should soon be online and I should expect a call from him soon. That call still has not materialized. 

XXXX XXXX has also provided me with the supervisor, XXXX XXXX, for XXXX XXXX. I have yet to attempt to reach out to XXXX XXXX as I feel this whole episode has been a horrible display of mismanagement and ignorance. 

My perception of this whole issue is that Bank of America is only interested in making money and saving itself from bad publicity.
Consumer complaint received 2017-07-24
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. (NC)

I have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION (MS)

We signed a contract for a home and submitted the contract to Pentagon Federal Credit Union XXXX Penfed XXXX. We were assigned a loan officer, XXXX XXXX, and assigned a closing date of XXXX XXXX. She requested MANY documents for the underwriter, which we returned within only a couple of days. She never confirmed that she received the documents. She did, however, note that she had ordered the appraisal on XXXX XXXX, 2015. The appraisal occurred, but there was an issue with the names on the document. She was given contact information for all parties involved XXXX appraiser, realtor, homeowner 's insurance agent, etc ). She had multiple weeks to get all of her work together. Because I had not heard from her and it was the week of our closing date, I called on Monday, XXXX XXXX. I received no answer, and no response to my voicemail. I called again on Tuesday and received no answer, and no response to my voicemail. On Thursday evening, she calls to say that she is missing signatures on a contract and needs it immediately. We sent it to her within an hour, even though our realtor claims it was sent to her before ( and I believe this because she has continuously lost documents that I have submitted ). Tonight, XXXX nights before closing, she tells me that now that she has the contract, she will have to get an appraisal done, and that I should contact the seller and request a new closing date. I do not want a new closing date, and everyone has done their part to make sure closing happened on time except for her. And if she had answered the phone earlier in the week, or returned a phone call, perhaps we would n't be in this situation.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

I had an outstanding debt for directv/att that was sent to Sunrise Credit for the amount of {$290.00}. I called the credit agency ( sunrise credit ) on XX/XX/XXXX to settle for less. I settled for {$150.00} and the debt was paid on XX/XX/XXXX. I asked for proof but never received it in the mail. I called sunrise credit again XX/XX/XXXX inquiring about my paid off debt and they informed me that my account was sent to disputes and they could not access it. 
I called sunrise again today, XX/XX/XXXX to inquire about my proof of payment and closure of account. They informed me that my account was sent back to XXXX and to call them. So, I called XXXX and after being transferred 5 times, I spoke with a man that told me I still had a remaining balance of {$140.00} and I needed to pay the remaining balance before the debt would be considered paid in full I am trying to purchase a home and this debt is lingering on my credit reports. I settled for less so this debt would be removed from my credit reports in a timely manner and I could purchase a home by mid XXXX but here we are, mid XXXX and this debt is still haunting me.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Source Receivables Management LLC (TX)

Hi I left XXXX over a year ago in pursuit of a cheaper monthly plan due to hardship which on numerous of times was discussed with XXXX Reps. I then went to XXXX who a little while after purchased XXXX. Before doing so, while at XXXX I contacted XXXX who stated I had a bill to settle for about {$300.00} dollars. XXXX would not take the XXXX Note that I had as a trade in so per XXXX I needed to return it and they would credit that to my account and I would only owe what was left and make a payment plan. I spoke to a XXXX XXXX who states they would send me the info to return the phone and after several other attempts that still did not happen I guess due to the pandemic chaos, im assuming. Then shortly after I started to get many many calls every day from a third party collections ( SOURCE RECEIVABLES MNG ), and now an attorney 's office ( XXXX XXXX XXXX XXXX trying to sue and/or harassing me to settle the bill that I have honestly tried to settle with XXXX directly and now charging me over {$2300.00}.
Consumer complaint received 2021-06-10
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. (MD)

When I recently called transunion they told me they can not take off the fraudulent inquiries on my report. I do not know where they came from. I am a victim of an inquiry issue, and I need it removed immediately. Please help. This is the list of negative items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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 Account Number : XXXX and list of Inquiries. 


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 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

on XX/XX/2022 I was notified, not by synchrony, but by XXXX  XXXX  that my account was closed. I had received no warning, and had paid the late fee already related to an issue setting up my bank account for my first payment ( on a less than {$100.00} charge on a {$1200.00} credit line ). 

With no NOTIFICATION, and less than a month after making an official payment once getting my bank account set up, my account was closed with no warning, resulting in an extreme negative action on my credit report. This not only dropped my credit score significantly, but effected my credit usage, further impacting my score. 

When contacted, I was given different reasons by different representatives. Ultimately, because they could. 

This is an extremely negative practice that is damaging and dangerous, especially in this economy, to consumers. All attempts at communication were met with blanket statements, with no offer of resolution. This is akin to loan sharking. 

They want open accounts so their business numbers are good, but do not want consumers utilizing credit lines they as a company can't afford.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (NV)

Due TO THE NEGLIGENCE OF XXXX, EQUIFAX, AND XXXX ALIKE, FOR SUPPLYING MY PERSONAL INFORMATION TO OVER XXXX!! XXXX XXXX AFFILIATES, COMPANIES, EMPLOYERS, ALL OF WHICH I THE CONSUMER DID NOT AUTHORIZE, WRITTEN, NON-WRITTEN, VERBAL, NON-VERBAL OR ANYTHING THEREOF! PROTECTION OF NON-PUBLIC PERSONAL INFORMATION WHICH STATES : I DEMND THESE BE REMOVED AS WELL AS COMPENSATED XXXX $ PER INQUIRY AS FOR PRIVACY VIOLATIONS WHICH FALLS UNDER FEDERAL LAW. 

I HAVE BEEN DENIED AND TURNED AWAY FROM PREQUALIFIED SOFT PULLS DUE TO THE IRRESPONSIBLE ACTS BY THESE PRIVATE CORPERATIONS. SO MUCH I ALMOST LOST MY CHILD BY NOT BEING ABLE TO GET A VEHICHLE DUE TO THESE OUTSTANDING ABOUT OF PERSONAL DATA LEAKED BY THE PRIVATE CORPORATIONS. 


XXXX XXXX XXXX XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

i was told citi bank that they froze my card b/c the credit bureaus too them too btw XXXX limit just paid XXXX to sears my balance is XXXX XXXX
Consumer complaint received 2022-10-06
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. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (NY)

i only havd this card for 1 year, made monthly payments on time XX/XX/XXXX my account on my credit report was closed XXXX and reported a 30 day late payment if you look at my records i called in times this month to make a payment it was not being be received by your company. my bank account was not blocking any payments
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

We recently fell behind on our payments due to an unforeseen accident. I called the mortgage company after we were able to return to work and our income returned to where it was at before. I advised the mortgage company of my intentions to bring my account current and was advised of deferment program that I may be eligible for. I filled out the required form on XX/XX/XXXX and set up an arrangement to pay {$2000.00} which was half of my past due balance on XX/XX/XXXX, then would call in to see the status of our deferral application. I have 3 complaints when it comes to my attempt to make a payment. 

1. I was advised that if I chose to make a payment on my account it would void my application for deferment. I was advised I would not be charged any lafe fees during the review process, but it they would continue to report any delinquencies to the credit agencies. I was advised that the application process can take 30 days to complete. I am being forced to pay the late fees on my account in exchange for protecting my credit score. 

2. My monthly payments are approximately {$1800.00} and my past due balance is approximately {$4000.00} with the late fees. I called to pay half the balance, to make a payment for {$2000.00}. I was told that I was not allowed to make a {$2000.00} payment. I was told anything over my {$1800.00} regular payment would be refused and if I mailed a check I would be issue a refund for the difference. I was told I could either pay {$1800.00} or the entire balance. I don't understand why the mortgage company is refusing to take my money. 

3. I attempted to make my payment online and through the automated phone service but was only given the option to pay the entire past due balance of {$4000.00}. When I called into the customer service to make the payment, I was told that I would be charged a payment fee for making the payment with a live agent. I was told since I could not make the payment online or through the automated service the only other option I had was to mail the payment. Since there are 5 days left in the month this means that more than likely the payment would not arrive until after the XXXX causing me to be charged additional late fee, unless I overnighted the payment, which would cost more than the payment fee. I feel as though they are using this to extort me into paying an extra fee.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (VA)

Pioneer Credit Recovery , Inc started calling us over a month ago, every single day. I've told them a dozen times there is no XXXX XXXX here and I've had the phone number for over 21 years. I also told them I am a XXXX veteran. They say they are going to adjust their records but the next day the calls continue. Twice they said they're going to put a Do-Not-Call order on the account but they still continue calls the next day. Never Once have they said they're going to erase my phone number from their system. No matter what I say they refuse to stop calling me daily to ask for someone who has not been here or associated with my phone number for over 21 years and there seems to be no way to make them stop.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Derogatory remark on XXXX report. 
Collection Agency : Portfolio Recovery Original Creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2014 Amount : {$1500.00} I have disputed this with XXXX, but it continues to stay on my credit report. This is not my account. I have never had an account with the above company and wish for it to be removed from my XXXX report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # 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 an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (FL)

I had made a purchase with a company and never received the items. Tried talking with merchant and filed a dispute on XX/XX/2021 prior I had 2 issues and won both. Also as hotel I never stated and cancelled in person. They said I wouldnt be charged and they charged me and wont refund. Filed XX/XX/2021. Still nothing keep getting the run around told it does qualify for provision then it doesnt. Prior I had a charge from XXXX through XXXX the sold me something stolen and wouldnt refund my money I filed a dispute but the Merchant refunded my money. Current the bank took 2 weeks to say they issued a provisional credit for that dispute yet it had been refunded 2 weeks earlier by the XXXX.