davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (OK)

This company XXXX never contacted me about a debt from Affirm IncXXXX under the account XXXX for the amount of {$330.00}. 

As of XX/XX/XXXX, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of Affirm Inc . 

I have never signed an agreement for my information to be shared or sold to XXXX, nor do I have a contract nor have I ever signed a contract with Affirm or XXXX. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to Affirm Inc and XXXX. This must be written, original documentation, not electronic forms or scans. Again note that this account with Affirm Inc has already been disputed on several occasions in regards to it being a result of identity theft. My information was leaked as part of the XXXX XXXX in XXXX. ( see attached documents ) In XXXX of XXXX my information was found to have been leaked online, which would be a result of the breach with XXXX. ( see attached documents ) This leak included and not limited to my name, address, email, phone number, ssn, dob. 

I have filed multiple disputes and complaints to CFPB, XXXX, FTC and Attorney General Office. 

Because of the constant lack of care and responsibility on all parties, I am requesting XXXX cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request Affirm Inc and XXXX cease and desist all attempts to collect this debt further. Please advise Affirm Inc to cease and desist reporting this charge off to the credit reporting agency XXXX. 

Thank you for your time and attention to this matter.
Consumer complaint received 2017-06-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (PA)

On  XXXX   XXXX  at  XXXX    XXXX   I received a voice mail from Ocwen stating that the message was " an attempt to clergy a debt. '' On  XXXX   XXXX  at  XXXX   XXXX  I received the same call with the same message. I am certain that this is a violation of the FDCPA.
Consumer complaint received 2021-04-30
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: Experian Information Solutions Inc. (TX)

I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX and Experian XXXX  reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my XXXX and Experian credit reports. 

Additionally, XXXX and XXXX are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my XXXX and Experian credit reports.
Consumer complaint received 2018-02-01
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: TD BANK US HOLDING COMPANY (CA)

XX/XX/2017 my XXXX credit card was charged without my authorization for a particular charge from XXXX XXXX XXXX XXXX. I called XXXX to initiate a dispute who referred me to the city of XXXX XXXX who actually assessed the charge. I then called XXXX XXXX XXXX who over a 4 day period made me call XXXX on a conference call with two of their customer service reps. Who both did not understand the validity of the charge, the agents submitted my formal dispute on day 5. After 30 days XXXX denied my dispute because XXXX replied stating they charged my account correctly. I have called 6 times over a 4 week period and my calls to XXXX Credit Cards dispute department have all been rejected. This company has told their reps. not to transfer me and that the dispute is final. NO COMPANY CAN DETERMINE WHAT CHARGES TO A CONSUMER ACCOUNT MAY OR MAY NOT BE AUTHORIZED. I FILED A CLAIM WITH THE CITY OF XXXX XXXX WHO CHARGED MY ACCOUNT AND THEY HAVE YET TO PROVIDE DOCUMENTATION AS TO THE CHARGES VALIDITY. XXXX IS UNDER OBLIGATION TO THEIR CUSTOMER TO FILE TRANSACTION DISPUTES EFFECTIVELY AND IN A TIMELY MANNER
Consumer complaint received 2021-04-30
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. (TX)

I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my Transunion and XXXX  XXXX reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, XXXX. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my Transunion and XXXX  credit reports. 

Additionally, XXXX and Transunion are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my Transunion credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my Transunion and XXXX  credit reports.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (PA)

Company name is goodmortgage.com I applied to them for a refi conventional mortgage on XXXX/XXXX/XXXX sent all forms request and got approved 3 to 5 days later Appraiser came out and report was sent 2 weeks later. <P/>They never used our title company and went with there 's It is XXXX/XXXX/XXXX and we have not hear anything from lender or underwriter we paid for appraiser and app but nothing is happening we just signed a closing doc last week and now its sitting pending review of the appraiser report again. we should have closed weeks ago.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello. I recently reached out to the companies involved as well as Transunion customer service and they did not do anything about it. Im a victim of Transunion inquiry issues. 
the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-21
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: Experian Information Solutions Inc. (NV)

Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NC)

I was unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX  responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.
Consumer complaint received 2018-01-19
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. (TX)

cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days violation of my rights
Consumer complaint received 2017-06-16
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: BMW Financial Services NA, LLC (NC)

In   XXXX   XXXX   XXXX    I ca lle d to make my payment the same way I always do through  BMW 's  automated system. I received no notification whatsoever that the payment was n't processed un til  X/X/17  and ul timately was reported by  BMW to the  credit bureau that my payment was 30 days late. The notification I received  on  XX/XX/XXXX  specific ally addressed my   XX/XX/XXXX   payment, not the   XX/XX/XXXX   payment, however the balance showed  two payment s were due and I immediately called to address this. Upon speaking with the representative, she researched and confirmed that no attempts had been made to notify me and provided me with an address of where I could send a letter to have the 30 day late removed. I was promised this would be corrected. I received a response to my letter advising that no adjustment would be mad e. BMW claims that 5 attempts were made to notify me via email of the late payment. This is an   outright fabrication, as the representative immediately confirmed to me at the time that no such notifications were sent. Again, the only notification I received was  on  XX/XX/XXXX  addressing my XX/XX/XXXX  payment  and at that point the account was already 30 days past due. Furthermore, she confirmed that my expressed preference was to receive notification of any issues with my payment via phone and additionally confirmed that no attempts were made to contact me. I have financ ed   XXXX   differe nt vehicles and have never missed a payment on any of them. This company did not honor the promise that was made to me after their own representative confirmed I was not notified of the error. Addition to their deceitful response, it is completely irresponsible to report a customer to the credit bureau without making A SINGLE ATTEMPT to notify them by phone and rely on emails that could easily end up in a spam folder, despite that their own employees have already verbally acknowledged that this did not take place. Previous complaints ( not through the CFPB ) have gone unresolved, with the creditor stating it is not their responsibility to inform the client that the payment was not received.
Consumer complaint received 2018-01-01
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. (IL)

I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

My CARES Act forbearance began XX/XX/XXXX, I have requested extensions every XXXX days as the CARES Act provides. My loan was transferred XX/XX/XXXX to SN Servicing and the terms and conditions of my loan were not supposed to change. SN Servicing refuses to acknowledge that I am in a CARE Act forbearance. Despite my request for extension past my XX/XX/XXXX expiration, the refuse to grant or acknowledge it. My original loan was Government backed by XXXX XXXX and XXXX XXXX but they are telling me that my loan is no longer government back and Im not eligible for the CARES Act. They are not threatening foreclosure and accessing late fees to my mortgage. I have provided documentation of my CARE Act XXXX and have disputed the debt collection they began on XX/XX/XXXX with the XXXX demand letter for repayment of my entire mortgage. I have communicated with SN Servicing attorney XXXX XXXX and SN Servicing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They STILL refuse to acknowledge that Im in a CARES Act Forbearance.
Consumer complaint received 2021-08-13
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. (UT)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (CT)

First, the standard complaint questions do not accurately describe my situation. I hope you can still help me. I had a bank execution entered against me. I have been told the bank did not do the execution properly. The execution was dated  XXXX /17. It was served on Key Bank on  XXXX /17. It was mailed to me on  XXXX /17. The letter I received from Key Bank did not explain the proper process for filing an exemption claim form in CT. Instead of telling me to fill out the exemption claim form and take it back to Key Bank within 15 days to prevent my money from being taken, the letter told me to contact the State Marshal who served the bank execution on me. The letter did not mention that if I took the exemption claim form to the bank, it would mail it to the court and a hearing would be scheduled. The letter did not mention anything about certain monies, such as Social Security, being protected from execution. I did n't understand all of the papers attached to the letter. Finally, although the funds in my account were all from Social Security, the bank is charging me a {$100.00} service fee and the Marshall is charging me a fee for serving the execution. I contacted legal aid and was told to file an exemption claim form with the court. I have a hearing scheduled   XXXX   XXXX  , 2017 and expect to get my Social Security back. I do not know if I will get the service fee or Marshall fee returned but both should be returned.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (KY)

Had XXXX XXXX  car insurance since XXXX most recent policy was from XX/XX/XXXX to XX/XX/XXXX. I paid by automatic withdrawal every XXXX of month from checking account never late. Paid XX/XX/XXXX as usual however called to cancel policy XX/XX/XXXX was told I had a balance due {$180.00} but XXXX was unable to explain how I requested investigation and also detailed account bill never received it.i did receive a final bill with a due date of XX/XX/XXXX in XXXX went to try to find policy info or billing breakdown on website my whole account history was deleted on XX/XX/XXXX received notice from collections agency. It has not even been 30 days late bill was just due XX/XX/XXXX 2022
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SD)

I received a Change in Terms notice increasing the APR to a usury, variable rate of 34.99 %!! 

They will also charge {$1.00} each month to send a statement, and interest charges are assessed on this unfair fee.

JcPenny and Synchrony Bank are penalizing us, along with other senior citizens and those who don't have access to a computer, by implementing this unfair fee. 

I call today, their automated system wasn't working correctly, gave partial instructions and took over XXXX minutes to finally transfer me to an agent. This bank doesn't want yo allow customers to speak with a person!! I am expected yo use an automated system the cuts out, then states they didn't heat my response. I would need to hear the request before I can respond!! 
First call I was connected to an off shore agent " XXXX ''. I asked for a US agent. XXXX didn't respond to the request or when I asked if she could hear me, multiple times, and after XXXX minutes she disconnected the call. Second call, couldn't get past the automated system. XXXX time, I was connected to off shore agent XXXX. She transferred me after I asked for a US supervisor Forcing customers to go completely paperless sets us up for late payments, especially when its an account thet isn't used much. It allows them to charge unfair late fees if an email notification is missed, and could affect credit.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

CREDIT MANAGEMENT , INC opened an account fraudulently. I have no knowledge of this account and did not open it therefore I am not liable for it. I wish to have this account removed from my credit profile. 

Date opened XX/XX/XXXX Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$270.00}
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am not a Capital One customer. Capital One does not have my permission to access my personal information nor share my information with third parties. I told Capital One to cancel their XXXX services and they are ignoring my request and breaking the law.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC (IN)

In accordance with the Fair Credit Reporting this creditor has violated my rights under 15us1681 section 602 states 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 late for any purpose
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

For the last several months Ive been attempting to close my OneDeposit checking account at Citizens Bank, though my attempts have been unsuccessful. At first, they told me that I need to bring the account to a {$0.00} value, which I did. Once it was at a {$0.00} value I contacted them back again to close the account. By the time they responded to me ( sometimes taking several weeks or more ) they would charge the account a monthly maintenance fee and bring the account value negative. They then would not allow me to close the account because it was negative. This has gone on for several months now.