davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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. (MD)

I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

Transunion : XXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX {$8300.00} XXXX : XXXX XXXX XXXX {$8300.00}
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CT)

I received notification from IC Systems that I supposedly owed this debt to XXXX. I sent them a letter disputing the debt in XX/XX/XXXX. I asked them to send verification of the debt. I filed a complaint with CFPB in XX/XX/XXXX regarding the debt. I received a validation notice from IC Systems in XX/XX/XXXX. The notice included the bill from XXXX. The bill references that in XX/XX/XXXX I supposedly lived at XXXX XXXX XXXX, XXXX, Florida XXXX. I have proof that I DID NOT live that I NEVER lived at that address. I am filing another complaint with IC Systems in XX/XX/XXXX. I will send another certified letter to IC Systems indicating that the verification documentation is NOT accurate. My next step is to involve an attorney. 

The debt is NOT mine. I never had an account with XXXX under the address that they are proposing. I have not lived in XXXX for over 25 years. This is not my debt. This is a product of stolen identity. Beyond name there is no other verification that this is my debt.
Consumer complaint received 2021-05-02
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. (MS)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I was about to pay my balance in full on XX/XX/21 but when I got home I did not have internet and could not get the payment to go through. I paid the full amount the next day, XX/XX/21 and sent XXXX XXXX an email explaining what happened and requested they do not charge me a late fee. Well they charged me {$40.00}?! I have been going back and forth with them to have this removed as the full balance was paid and all I now owe is the {$40.00}. They will not remove this fee. I feel like I alerted them and had an issue beyond my control. I just want the late fee removed from my account.
Consumer complaint received 2021-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/21 Fraud use my BOA credit card XXXX charged {$220.00} to buy product of XXXX XXXX internet ca. 

XX/XX/21 I reported to my BOA fraud dept about this fraud charge and change a new card number. Boa open claim I'd XXXX for me. 

XXXX XXXX email refund {$220.00} to back my credit card account payment profile I'd XXXX. 

XX/XX/21 BoA denied my case, XXXX refund money to somewhere out. I call report to both about the {$220.00} charge without my authority and BOA reopen claim XXXX for investigation. XXXX also open a new claim ID for investigation. 

I also report to XXXX, FTC gov
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This account is not mines. I have made several attempts to have this removed with XXXX. The other XXXX and XXXX  had done so. This company does not have a contract on me. Again this account is not mines. I never received a bill or phone call from these people. This account should not be on my report i do not owe this collection agency.
Consumer complaint received 2021-08-23
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: ID Analytics, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MO)

I have a credit card with JC Penney I had late payments in the past due to financial hardship being unemployed I fell behind on payment due to not having the money to pay I have been current with them for the past 3 yrs now and they have increased my limit but will not remove late payments stated they are unable to do that with the credit bureaus
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (NY)

I went to go and trade my car in since Im XXXX and the car dealership said I would have to get something smaller than what I have because of my credit. I didnt understand why so I went and looked at my credit and I see accounts on there that is not mine XXXX, XXXX XXXX and XXXX. I have filed a complaint with the FTC and contacted the police here. Im doing this on my own and need some help taking these accounts off my credit.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have tried resolving this issue with XXXX  and XXXX to consistently receive the same frivolous response. I have also contacted the creditor : Capital One of this fraudulent account that reflect my credit report. I have not received any response from the company
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NC)

I am writing to bring to your attention a serious violation of my consumer rights by Rooms to go which has recently placed a collection on my consumer report without adhering to relevant laws and regulations overseen by the Consumer Financial Protection Bureau ( CFPB ). 

Under the provisions outlined in 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to validation information from any collection agency that places a collection on my consumer report. Despite my repeated attempts to obtain this information from Rooms to go, they have failed to provide it, thereby disregarding my rights as a consumer.

Additionally, according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been provided with an opportunity to dispute the account in question. This failure to afford me this right is a clear violation of the regulations set forth by the CFPB.

Furthermore, it has come to my attention that XXXX XXXX is eng
aging in deceptive practices, including false and misleading representations. Such actions are in direct violation of my consumer rights and are unacceptable. 

Moreover, it is imperative to highlight that Rooms to go/ Syncb has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is in direct violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Furthermore, I have reason to believe that Rooms to go is in violation of the statute of limitations set forth by the state of North Carolina. According to North Carolina state law, debts are subject to a statute of limitations, beyond which creditors or collection agencies can not legally pursue repayment. Syncb/Rooms to go actions may constitute an attempt to collect on a time-barred debt, which is unlawful under North Carolina statutes. 

I am deeply concerned about the impact of Rooms to go/ Syncb actions on my financial well-being and my rights as a consumer. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement action against rooms to go/syncb for their violations. 

Enclosed you will find copies of relevant correspondence and documentation supporting my claims. I am also available to provide any further information or assistance necessary to facilitate a thorough investigation into this matter. 

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights, as well as those of other consumers, are protected.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that Navient had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe navient {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX XXXX  and XXXX  indicating Navient is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to Navient. 

All three credit bureaus are reporting the following debt owed to Navient XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Consumer complaint received 2019-06-06
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: Navient Solutions, LLC. (OH)

I got my recent credit report and I noticed navient accounts that I did not recognize that had payment history and payments that had no data. I have tried to fix this problem with XXXX over three times but they still report inaccurate information on my credit report. They are violating the fair credit reporting act. XXXX  and XXXX  have already removed these navient accounts from my credit report because they are reporting inaccurate information reporting payments that I never made and having no data for certain months. I disputed these inaccuracies in XX/XX/XXXX and got my results back on XX/XX/XXXX the results were updated and incorrect payment history still remained on my credit report. I disputed again and the results came back updated and no data still remains on the accounts. I have provided proof of the results. I have gave XXXX over 3 months to correct this error they never once provided me with the documents like I asked I asked them to provide me the proof from the company that I made these payments and the bank that was used to make these payments I never recieved any of these documents.i have spoke with a credit repair lawyer if you the CFPB can not assist me in this I will be forced to file a complaint with the FTC against XXXX and than persue litigation against XXXX  for reporting these inaccuracies on my credit report.
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (LA)

On Caine & Weiner Company Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$740.00} dollars, I have no knowledge of said account and I do not owe Caine & Weiner Company Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Caine & Weiner Company Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Caine & Weiner Company Inc. is a clear violation of the Fair Debt Collections Act. I am requesting that Caine & Weiner Company Inc. remove this collection account from each of my credit reports.
Consumer complaint received 2019-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (TX)

Various calls have been made to XXXX XXXX  a/k/a Quicken Loan a/k/a Rocket Mortgage to avoid collection tactics and foreclosure threats. Over the course of several months, attempts to catch up with any missed payments have been met with confusing, complex inadequate help from Quicken Mortgage. Our family has suffered through weather disasters and a government shutdown recently. We were able to managed payments until a salary delayed caused a domino effect. A loss of income ( separation from my spouse ) decrease my income severely, A request was made to decrease payments, however, after several months I was given instructions to 'jump through hoops, '' in the form of asking for paystubs, which was ok, then bank-statements, which was ok, just to be told they did not receive them, then they did receive them but by that time, another month has passed, increasing payments, interest and late fees as well as reporting to the credit bureaus for 30 day late payment, then 60 day and 120 day. I was told to send them again, this was done on XX/XX/2019. We were told quicken needed updated bank statements. Then the same day we were told updated paystubs were needed. They received them but could not read them several weeks after they were sent. This sounds purposeful with the objective to get so far behind and poor credit we could wind up losing our home through deceitful tactics such as this and no way out but for me to file bankruptcy, I will fight to keep my home but will also report to others how tactics such as these are purposeful and made to keep consumers in poverty.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

This is XXXX XXXX. XXXX. They call daily. They want an account number, which we do not have, and a SSN, which we will not give. We do not owe money anywhere, never have. They call so much that it now goes to XXXX. Thinking this is a scam of some sort.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (SC)

Previous loan service company, XXXX XXXX. ( representing XXXX XXXX XXXX  ), transferred my account balances to new service company, BSI Financial Services ( BSI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, TX., XXXX. XXXX  transaction history ( See attached ) shows the escrow account was closed. Unfortunately, that escrow balance of {$770.00} is not reflected in my BSI account. 

Also attached is a synopsis of some relevant email communication. Please note that while these emails were exchanged, several calls were made to BSIs customer service department. During these calls I was told that my issue was transferred to the appropriate department for resolution. However, when I call back to follow-up, there is no notes of activity on my account regarding the previous call. 

Subsequent to the attached emails, beginning on XX/XX/21, several payments reversals were made on the account and now BOTH my principal and escrow balances are inaccurate and WRONG!!
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (FL)

I requested Equifax send me the method of verification that they used to verify the inaccurate XXXX XXXX XXXX account they claim was investigated. The dispute was opened and then closed and I didnt get any correspondence from them. I dont owe XXXX and I want it deleted from my profile.
Consumer complaint received 2019-06-06
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-06-06
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: JPMORGAN CHASE & CO. (GA)

Chase Bank has allowed someone to do hard inquiries on my account and they sent something in the mail asking for my social security number and the credit bureau to resolve the issue.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (TX)

Please I need help. 

Hello I am writing out to you all as I need help. I signed up back XXXX for Best Buy Citi bank credit card. I have never missed a payment was always on time. 3 months ago I received a notification for payment due. I went ahead and made the payment online and received a confirmation number. The day after I receive it still hasnt taken my payment. I called in to see if they taken my payment, by my confirmation numbers. The lady said it could take up to XXXX days for payment clear my account. I waited a week and still was there the payment was taken and next week was reversed back to my account. This was a 3 week process overall I went after it was reversed to Best Buy to make a cash payment in person. By the time I did that they informed me my account already closed. I have read both cities bank/ Best Buy policy about the credit card and no where does it say this account can close for being 1 month late in payment. I actually called in yesterday and they informed my account has just went in collection XX/XX/XXXX. Which is such a lie I couldnt even access my online account at all and that it was closed months ago. I need help retrieving this account and from my points decreasing dropping.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loan 's internal policies, related to XXXX  leave, have violated the fair lending laws on a disparate impact basis. My wife and I were denied a refinance due to my wife 's income being excluded from our combined " qualified income '' because of being on XXXX  leave. Under California law, the Family Medical Leave Act guarantees a parent 's position upon returning to work, and should not be cause for exclusion of " qualified income '' or conditional approval upon returning to work. This is discrimination based on sexual orientation and familial status. XXXX  Leave policies have a discriminatory effect on women and have been found to violate fair lending laws ( case : XXXX XXXX, XXXX ). 

Background : the initial loan estimate was provided on XX/XX/XXXX with XXXX  origination charges and a lender credit of {$1800.00} for a 3.375 conventional fixed 3-year mortgage set to close on XX/XX/XXXX. Several delays caused by Caliber Home Loans took place, causing several rate lock extensions, which were all disclosed on the closing disclosure as charges to the borrower. On XX/XX/XXXX, a second closing disclosure was sent, which included {$820.00} in origination charges ( discount points ) and a lender credit of {$22.00}. Caliber Home Loans effectively charged the borrower for the rate lock extensions when the delays were caused by the originator ( Caliber ). 

Summary : On XX/XX/XXXX ( two and one-half months later ), Caliber informed us that we would not qualify due to a high DTI, which was due to my wife 's income being excluded from our " qualified income '' because of being on XXXX leave. 

Opinion : Caliber intentionally inflated our DTI to deny the loan, since Caliber is losing considerable money on the loan due to additional hedge coverage for rate lock extensions and the recent rallying of rates.
Consumer complaint received 2019-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS put my property in website whom advertise for Homes for Auctions and foreclosure sites I am on time and paying them through my lawyer and court because SLS is a chest XXXX fraud company creeps come here to my property I am sitting in my living room and the creep have a nerve to come front of my property and start taking photo why this is how SLS run a mortgage company by abuse the home owner and sell people home by lie fraud and cheating