davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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. (GA)

i have a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX, XXXX XXXX  and XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

During the COVID 19 Emergency, 1. ) ( SPS ) Select Portfolio Servicing ( AND XXXX XXXX XXXX Trustee ) has refused our request for Forbearance during the COVID 19 Emergency Period on ; XX/XX/2020, XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020. 
2. ) The foreclosing attorney for the Plaintiff, XXXX XXXX, XXXX  ( Trustee ) Select Portfolio Servicing on XX/XX/2020, XX/XX/2020 and XX/XX/2020 contacted us via email through our attorney offering us money to vacate our sole/primary residence. We did not ask for a relocation settlement/assistance as this a contested foreclosure. The repeated solicitations for us to vacate our residence using financial enticement of {$10000.00} during the COVID19 Emergency Period is abusive, cruel, reckless and has caused our family severe emotional distress. 
Servicer : : Select Portfolio Servicing ( Loan # XXXX ) Trustee : : XXXX XXXX, XXXX  ( XXXX XXXX XXXX Trust Services ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

I purchased my home on XXXX XXXX through XXXX XXXX  in XXXX XXXX. I fully funded as a part of closing my escrow account to cover property taxes for 2019, which were approximately {$9000.00}. XXXX XXXX  paid these property taxes. Shortly after the sale, XXXX XXXX  sold my mortgage to Freedom Mortgage, based in New Jersey. Freedom Mortgage then proceeded to also pay my property taxes, in effect paying my 2019 property taxes twice. Freedom mortgage, without informing me, then increased my monthly mortgage payment from around {$2800.00} a month, to {$3600.00} per month to cover what they said was an unexpected deficit in my escrow account. Theyve admitted to me that this deficit is due to the mistake they made in double paying my mortgage, but have been unwilling to lower my mortgage payment to the regular level until they recoup their overpayment from XXXX XXXX county. I believe I am being taken advantage of. They made the mistake, yet I am having to pay an additional {$750.00} per month because of a mistake they made. I want to know what my rights are and if theyve violated the law, I would like financial penalties imposed on them to compensate me for the time, stress, and worry this has caused me, not to mention a much higher payment which has put tremendous strain on my finances during the Covid 19 crisis.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

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 2021-04-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have been trying since XXXX/XXXXXXXX21 to get the funds from my IRA account at Capital One. On XX/XX/21, I called Capital One to ask how do I go about getting my IRA funds withdrawn so I can roll it over to another bank with higher interest rate. The lady said I would have to fill out an IRA withdrawal form. She sent me form by email. I filled it out and sent it back on XX/XX/21. Received email on XX/XX/21 from Capital One saying they received the form. I waited for money to be mailed to me. On XX/XX/21 via email I received a message for me to call them about IRA. So I called them that day. I was told I needed to check boxes on form as to whether I wanted federal or state taxes withheld and resend form back to them. So I did resend corrected form same day. Received email from Capital One on XX/XX/21 confirming receipt of withdrawal form. Waited for check, and as of XX/XX/21 still no check, so I sent an email to them requesting check and threatened to make complaint. On XX/XX/21, I called them again about IRA and spoke to XXXX, he said he would refer it to his manager, either XXXX or XXXX and have it expedited. On XX/XX/21 received email from Capital One confirming receipt of form and I should call them. I emailed and said I just talked to someone the previous day. On XX/XX/21, I called again and spoke to XXXX. He asked me to get the IRA form I submitted and then he asked what was my SS # and I told him, then realized the first 3 numbers were incorrect. I asked him why didn't anyone mention this to me before? He didn't know but he told me to fix SS # on form and resubmit it to them. He told me to call after I submitted the form. So I did. I think I spoke to XXXX and she said they did received form and that they would accept my updated form even though I hand wrote changes and did not initial. XXXX spoke to a manager and manager said check would be expedited. Probably mailed out Tuesday or Wednesday. I checked online and on Wednesday the IRA on my online account was still open and not closed. So I called again, on either XX/XX/21 or XX/XX/21. The person I spoke to said the check would be issued Friday, XX/XX/21 and mailed. The account was closed on XX/XX/21. Received letter in mail on XX/XX/21 that account was closed. But still have not received check as of XX/XX/21!
Consumer complaint received 2018-03-28
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: Receivables Performance Management, LLC (TX)

XXXX XXXX XXXX  Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} Rpm ( RECEIVABLES PERFORMANCE MGMT ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened on XX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again
Consumer complaint received 2022-09-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc. (MO)

Tower Loan of XXXX XXXX XXXX XXXX XXXX Store XXXX XXXX has repeatedly harassed me - calling several times a day to my phone, my employer, and relatives, even after I told her I can not pay the debt. 

I first gave her formal notice on XX/XX/XXXX via email, and after continued harassment ( *again calling me several times a day, my employer, and relatives ) I again told her on the phone I would not /ca n't pay and any further calls would be considered harassment.
Consumer complaint received 2022-09-13
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. (GA)

I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed immediately. 


1. XXXX XXXX XXXX - XX/XX/XXXX - {$4000.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX. XXXX XXXX - {$1000.00} & {$360.00} ( respectively ) 3. XXXX XXXX - XXXX XXXX XXXX - {$460.00}
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial (IL)

I went to XXXX XXXX ago on XX/XX/2023. I applied for a credit and was approved for {$300.00}. I plan to get furniture but my bank stated it could possibly be fraud and i could cancel the XXXX payment which i did and didnt go through with the order. I contacted the loan company and told them and also submitted XXXX  AFFIDAVITS. On XX/XX/2023 the went into my account and withdrew XXXX. I called the company and they stated the furniture store said i received a twin bed i never received. I went to the store and it was closed and they were not answering my calls.
Consumer complaint received 2020-05-05
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. (CA)

I was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to these accounts.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

For the last two months I have tried calling XXXX and XXXX about removing inquiries from my credit report that I did not authorize and I have gotten no results as of today which is XX/XX/2018 there are over 15-20 inquiries that has made my credit drop drastically and I did not authorize this. Such as XXXX which they said it was fraud on the inquiry and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

About 12 years ago we took out a loan with XXXX, they sold it to Springleaf. We went to XXXX to get a loan to pay them off as they were charging us over 23 % interest daily, and so we hopefully were going to have that loan paid off. We paid off the balance due, however, they sold the loan to OneMain who sent us another bill sating we owed further funds and that they charge 23.23 % interest daily. if that is the case then we would almost never be able to pay off this loan. I believe that this is wrong and that they should cease and desist their unfair practices.
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: LEXISNEXIS (MD)

LexisNexis is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

LexisNexis may not disclose nonpublic personal information to a nonaffiliated third parties. LexisNexis has provided XXXX, XXXX, and XXXX with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. LexisNexis has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. LexisNexis has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.
Consumer complaint received 2022-09-14
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. (FL)

I've contacted Transunion Consumer Solutions via telephone on the following dates when I noticed a collection that was paid reporting to my consumer report without my consent. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX amount : {$180.00} Ive also sent certified mail on XX/XX/2022 stating that the account was being reporting without my consent and as an inaccuracy. No help has been issued from their side but a response saying verified. This paid collection has been hindering my family and I from being able to build relationships with financial institutions because I'm being denied for credit. This is the only collection I have ever received and only collection reporting. 

I attached the letter that TRANSUNION replied with and my credit report showing the collection reporting. 

In accordance with the Fair Credit Reporting Act, 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 1691 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I received three separate " collection '' letters from the is company with the same account number with three different balances owed all dated the same day. 

They claim they are attempting to collect a debt on behalf of the XXXX but I do not have an account with the XXXX. 

I have toll tag account with XXXX and am charged for all my toll fees through it. I have had the XXXX  account since I registered my car in XX/XX/2018. 

I contacted them to dispute the debt and they told me to contact XXXX to find out why they have bad information. 

It is not my responsibility to figure out why this company is illegally collecting on a debt. 

Sending the three letters on the same day with different amounts is a very clear violation of UDAAP on top of the violation of not validating the debt as required by federal law.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I received a call from ( XXXX ) XXXX from XXXX XXXX regarding some documents that she tried to deliver to a place local car dealership where I purchased a car some time ago. She was rude, threatening and unprofessional so I wanted to report her. She gave me a case number, a local phone number ( XXXX ) XXXX and told me I had a lawsuit pending regarding a {$10000.00} credit card balance from XX/XX/XXXX they claimed I did not pay. They said they sent notices which I never received. They said they tried to deliver documents that there never delivered. I decided I was dedicating my day TODAY to filing complaints on XXXX from this so-called " 3rd party '' agent. As I was browsing on the internet for information, I found many complaints against XXXX XXXX from the state of California. Local number ( XXXX ) XXXX is NOT a working number today. At XXXX XXXX refuses to give me their local address or allow me to speak to the owner or Managing Director at ( XXXX ) XXXX.
Consumer complaint received 2023-04-01
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: MoneyLion Inc. (SC)

I had an account opened fraudulently in my name through MONEYLION INC. this has destroyed my life and prevented me from pursuing financial strides as a young adult. I built my credit to a XXXX to now a staggering XXXX. It is a fraudulent account opened in XXXX of last year. I have disputed multiple times both with you and with XXXX, XXXX, and identity theft.gov, and to no avail nothing has helped. I have had to go about awful interest rates financing my vehicle. I need to get this resolved to resume my adult life. I need to be able to have my credit restored and this MONEYLION nonsense Off of my credit report. Thank you.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC (MI)

This is a follow-up to complaint XXXX, as we did not receive a response as indicated in the CFPB online portal. 

We called the CFPB in XXXX to check what was going on and were advised to call XXXX to resolve the matter. We've called and left messages multiple times, including both our home and work phone numbers, as well as the initial complaint number and have yet to receive a response. 

At this point, in an effort to resolve this matter, we will agree to sign their document in order for Northwest Bank to return the {$3000.00} we over paid on interest on funds that were never borrowed. 

While not fully satisfactory, we are not looking to make this more complicated than it needs to be. 

Here 's hoping we can come to a quick resolution, so we can all move on. 

Thank you, XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: I.C. System, Inc. (MI)

I am trying to purchase a house however when I went to review my credit report, I notice some derogatory accounts on my report. I asked them to remove all this information immediately, they sent back information stating this account has been verified but did not send me a purchase agreement or any information confirming it. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 0 2 a ) states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A. (CA)

Someone tried to open a bank account using my information at PNC Bank on XX/XX/2024. 
I received a letter, informing me about opening of the bank account, and about a pin number being set up for debit card. I never opened any account with this bank.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Each year, I request and receive a free annual credit report via https : XXXX from each of the 3 major credit reporting companies. Today, XX/XX/XXXX at around XXXX, I tried to get my free report from Equifax. I never have problems getting my report electronically from either XXXX  or XXXX, but each year Equifax requires that I put myself at increased risk for identity theft by sending in a paper form along with a great deal of SPII. Last year I filed CFPB Complaint Number XXXX about this same issue. I am attaching a screenshot of the first page of my XXXX Equifax credit report to help verify my identity.
Consumer complaint received 2020-08-27
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$12000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$110.00}