davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP (AL)

Yes Im trying to file a complaint about this company I had gotten XXXX to remove an account off my credit report and they block this account Security finance really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as in it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XXXX XXXX, XXXX  when that is wrong and this account is closed by law you suppose to inform me about this
Consumer complaint received 2020-10-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY Year of Birth XX/XX/XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusOpen. 
Status UpdatedMar 2020 Balance {$26000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$960.00} Original Balance {$52000.00} Highest Balance {$0.00} Terms75 Months Payment History
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I checked my credit report on XX/XX/XXXX and noticed that my score had dropped XXXX points. When /checking to see why it showed that the company JPMCB- JP Morgan Chase Bank Card service updated my payment history. I called this company to ask why this happened 2 different times employees from the company on XX/XX/XXXX once at XXXX and the other at XXXX p.m hung up on me after collecting my social security number. Finally the third time and after speaking with multiple individuals I reached a man who told me that the information that was reported is correct and they have not reported anything to the credit bureaus since XXXX of XXXX. He told me to go to XXXX  and get a true score that my score from XXXX XXXX was wrong. I did what he said and my score on XXXX did in fact match XXXX XXXXs score also the dates of the payment history that was changed which were XXXX of XXXX, XX/XX/XXXX, and so on until XXXX of XXXX. Those dates matched what was on my XXXX The Man told me that they did not report anything since XXXX of XXXX however on XXXX it shows that they reported XXXX XXXX and XXXX XXXX  shows that they reported because if not it would not have updated. This has caused a made a negative impact on my credit score. I tried to explain that to the company that the account has been closed so I don't understand why this should have happened.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometimes on XXXX, XXXX, I recently received a collection letter from CREDENCE RM, trying to collect on an alleged debt with XXXXXXXX XXXX XXXXXXXX I need this collection to stop contact me regarding this Debt because it's not mine and it needs to be remove from my credit report, because it is part of an issue with Identity Theft and that account has been re-inserted. That account was disputed on Identity package that was submitted XX/XX/2020 ( See attachment ), I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Deptartment of Education / XXXX XXXX and XXXX  XXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WY)

XXXX XXXX had put us on a COVID forbearance. Shortly after they sold our mortgage to Select Portfolio Services. They claimed that they sent paperwork to a wrong address and by the time they called us, they said we were being foreclosed on. They claimed that they didnt have to honor XXXX XXXX forbearance and if we would like a loan modification the payments would be {$2000.00} a month and needed a response by the XXXX of XXXX. We sent an appeal about the payment and was told we would be notified within a week. We were not. Upon calling they still hadnt reviewed our appeal and said that they didnt want to resubmit it because it would just prolong it longer. Please let us know if we have any hope of keeping our home and thank you for your time.
Consumer complaint received 2019-11-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I disputed all open accounts with credit bank on XX/XX/XXXX results  were ready the same day also tried disputing XX/XX/XXXX and XX/XX/XXXX and also XXXX. I have been XXXX  since XX/XX/XXXX  and have included solid proof to Experian and the creditors. I was also denied disputing the address on report which I never lived. There is no possible way that this was investigated in less than 24 hours.
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PMAB,LLC (NC)

I received a collection letter from PMAB , LLC dated XX/XX/XXXX regarding a medical debt. I responded to the letter within 30 days dated XX/XX/XXXX and requested validation of the debt. I received a response from PMAB , LLC dated XX/XX/XXXX that the debt was returned to the client and closed off my credit report. PMAB, then reported a collection debt of {$1900.00} to my credit reports XX/XX/XXXX. 

I am filing this complaint because PMAB failed to send validation of the debt and PMAB is falsely reporting a collection of {$1900.00} to my credit reports that they do not own. They sent the collections account to my credit reports after providing me with documentation that the account was closed and returned to the creditor.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX we were processing of Refinance of my house. The Loan Office request me to pay the fee for the Appraisal for {$500.00} and the HOA form for {$200.00}. I did talked with her that the Loan is not approved yet, I only want to pay the fee for both after the Loan is approved. But she keep asking me to pay the fee instead they do know that they don't need to collect that fee until the loan is approved. Finally, they charge me {$500.00} for the Appraisal and {$200.00} for the Form of HOA. After they denied my loan, I called and ask to refund the fee for Appraisal and the fee for HOA form. They promised to refund but up to now I didn't receive any things from them. 

I'd like to ask The CFPB to protect us for PNC treating unfairly to us. Thanks for you concern. 

Best Regard, XXXX XXXX XXXX. I attach here the two documents in which the first one is the HOA form, they order. 
The second document is the Letter of PNC to order the Appraisal for your review
Consumer complaint received 2021-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Neiman Marcus Credit Application was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' Source XXXX Consumer Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX Visa without issue {$1500.00} Credit Limit which is being managed appropriately ).

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX  and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.
Consumer complaint received 2021-05-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021, I filed a dispute with XXXX, Transunion and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, XXXX In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Consumer complaint received 2018-02-28
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. (MD)

I contacted equifax about several facts on my equifax credit profile. 

My date of birth was listed as XX/XX/XXXX my birthday is in fact XX/XX/XXXX I sent a copy of my drivers license. 

Also they had listed as addresses I've never lived at. I asked that they all be removed and they haven't been. 

I had many credit inquiries that I tried to tell them weren't mine, they refused to investigate them. I wrote them a letter and in the letter asked for a return letter. They never opened a dispute and my information is not updated. When I call in they refuse to make an investigation. I was also a victim of their information breach. They refuse to abide by the law and I had no choice but to take this action I have dozens of hours invested in this endeavor. And I just am at my wits end, they are damaging my credit profile by refusing to do what's necccesary, they rush me off the phone after I wait for hours to speak to representatives. 


XXXX XXXX.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights act.

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I purchased a vehicle secured by a loan through XXXX. The vehicle was subsequently repossessed and resold. 

In XXXX, I received a postcard stating that I was apart of a class action lawsuit with XXXX and that XXXX is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. 

The information is still reporting as a repossession. 

I called XXXX and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/XXXX and XX/XX/XXXX, my credit card information from Wells Fargo was being used fraudulently to make hundreds of dollars worth of purchases in California. I disputed the charges and only had a few of them resolved by Wells Fargo. I did not realize this was happening until XX/XX/XXXX because the purchase amounts were small ( less than XXXX $ ) but they were frequent. Upon noticing the fraud, I ordered a replacement from Wells Fargo and attempted to dispute the charges. I activated the new card and found that it did not work and the account information for the card did not appear on my online banking portal. I was unable to pay off the charges that remained on the card until recently in XX/XX/XXXX. I have since cleared that account and closed it.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MD)

I originated a loan in XXXX and set up autopay. Most months I see the {$350.00} being removed. Apparently my account was insufficient in XXXX of XXXX. I was laid off at that time for Covid. Every month since then, the money was debited from my account. According to Ally Bank, Ive been behind since then and have been charged $ XXXX. Ally said they never tried to call since they were being paid. I feel that is predatory and thats why I am complaining.
Consumer complaint received 2022-04-07
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. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. And Pursuant to 15 USC 1681a, the transaction and the experiences between the consumer must not be included in the consumer 's credit report.
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened two business accounts back in XXXX of XXXX for XXXX XXXX XXXX XXXX XXXX which was formed XX/XX/XXXX. Both accounts were closed out, one was closed at the end of XXXX and the other was closed out at the beginning of XXXX. I was informed I would receive both remaining balances in the form of a cashiers check. However I waited and called in from the middle of XXXX till now about this issue. They finally did send one check out after doing a claim that check was sent XX/XX/XXXX in the amount of {$18000.00}. The other check in the amount of {$18000.00} hasnt been sent out I was informed of another check separate from that in the amount of {$7700.00} that was supposed to be deposited on XX/XX/XXXX along with the second remaining balance cashiers check to my recent business account which was opened in XXXX of this year when I received the first cashiers check. The account was forced closed due to no activity since the first deposit made when the check was cashed upon opening the account. I have been treated rude when going to the branch and I have been treated rude when calling in I feel uncomfortable going to the bank now in behind the treatment received I was told twice I wouldnt get my money sent to me for no reason at all in a very unprofessional rude manner. The first time I was told this after being informed I would be sent my money back in XXXX and the second time now in XXXX I was told this once again after being informed I would receive my money. The same exact statement made again after them finally sending out my first check after the fact they stayed I wouldnt get it. I have been transferred from department to department and treated very unfairly when I have been nothing but respectful and nice even when I was treated the way I have been. Both of the checks have been verified by the claims department and are ready to be sent out as they have already been attempted to be deposited into the account that was recently forced closed on the same day the money was due to be deposited randomly but Bank of America account closure department redirects me back to claims instead of sending the money out. They are refusing to send my money as they did for the first check and after almost XXXX years I finally got just the first check sent back in XXXX of XXXX. I am still awaiting the last two checks after being promised by multiple employees I would be sent these checks this was even verified at the branch who treated me extremely unjust and unfair. My account was mysteriously forced closed on the same day I was supposed to have both of the checks deposited by Bank of America themselves. Why cant I get the checks resent? If they were already due to be deposited and show in the system they were deposited into the forced closed account on XX/XX/XXXX confirmed by three employees already between account closure and claims.
Consumer complaint received 2022-04-28
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. (WA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have rights to privacy 15 USC 1681 Section 604 A section 2 : It also states that A consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat any late payment on a credit card account under all open end consumer credit plan as late for any purpose