davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Hello,. In XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX XXXX XXXX, VA XXXX. My mortgage became serviced with PennyMac. In XX/XX/XXXX, my husband and I began to run into financial difficulties. I applied for a loan modification in fall XX/XX/XXXX, I was approved. My paperwork and first payment for the trial payment plan for the loan modification was due by the end of XX/XX/XXXX. I sent in the agreement, and the first payment before the end of XX/XX/XXXX. In XX/XX/XXXX, I receive a letter stating that they never received my documents so the trial payment plan was cancelled. I did not make my payment in XX/XX/XXXX as I was trying to communicate with them to figure out what to do. Towards the end of XX/XX/XXXX, beginning of XX/XX/XXXX, my husband called the company to discuss that we did send everything in, and needed the trial payment plan reinstated for their mistake of losing our documentation. They refused, and continued to state that they never received it. In XX/XX/XXXX, we received documentation that our house would be in the foreclosure process. I even sent in documentation for the fax confirmation. They continued to refuse. I finally filed a complaint with the CEO, with the federal consumer protection, and with the XXXX XXXX XXXX. It was then that they called saying oh we will fix it. They refused to reinstate the old one, however, and made us put in a new application. We put in the new application and they did not approve it. We then got notice that our house was due to be auctioned in late XX/XX/XXXX. I filed new complaints with the XXXX XXXX XXXX and federal consumer protection, they then allowed me to send in another application for a trial modification, and postponed the auction. All this time, however, they have still refused to admit their mistake of losing our original documentation and have refused to reinstate our modification that was messed up due to their mistake. The new application was also denied. They said we could put in another application, but honestly, due to their mistake, I am so peeved and wish they would just own up to it and reinstate. I am at my last resort. My house is due to be foreclosed on XX/XX/XXXX. I am so close to filing a lawsuit, but figured I would reach out to you all first
Consumer complaint received 2017-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STATE FARM BANK, FSB ()

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas State Farm stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Consumer complaint received 2022-04-27
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. (FL)

I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX XXXX ( XXXX XXXX, XXXX ) 2. XXXX XXXX ( XXXX XXXX, XXXX ) 3. XXXX XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) 5. XXXX XXXX XXXX  ( XXXX XXXX 6. XXXX XXXXXXXX XXXX ( XXXX XXXX, XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-03
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. (VA)

I am requesting that all companies that I don't have business with, provide a validation and a legitimate reason why they have access to my personal business information. If there is no claim against me or no account please remove the Fraudulent Inquiries off my Consumer Report. It is causing harm to my person, as well as stopping me from getting a Fair Credit reporting. I would like to ask for a validation from All credit bureaus immediately. It is my right as a consumer to challenge anything that I deem to be inaccurate.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX I received a notice to pay a debt ( {$540.00} ) from Midland Credit Management , Inc ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX I responded with a lawful request asking the company to validate the debt, sent certified mail. I received no response from the company. Since the company did not respond, on XX/XX/XXXX I lawfully asked the company to cease and desist and to not report any negative information on my credit. In violation of the Fair Credit Reporting Act, the company has ignored my lawful request and began report negative information on my credit without validating the debt.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TX)

Unfair Lending practice from Bridgecrest : I wish to pursue a claim against the lender Bridgecrest finance provider for XXXX. On all occasions during national disasters and state disasters, I had experience demanding hardship with my finances. I was not allowed the adequate to recover from these state or national disasters with the good faith lending practice '' from lender Bridgecrest. I had suffered a crisis from 3 disasters ( 1 ) XXXX XXXX ( 2 ) XXXX and recent state disaster ( 3 ) Texas Ice Storm. Under the Texas Office of Consumer Credit Commissioner ( OCCC ) emergency measures to require and regulate lender ( s ) to practice emergency measures for working out modification to help or ensure to avoid negative credit reporting when borrowers during a crisis to be practical, flexible, and the empathetic reasonable timeframe during state and national disasters. I called and wrote letters to compromise my debit with offers to Bridgecrest. After having full knowledge of these disaster hardships, lender Bridgecrest refused to compromise with a repayment plan. Bridgecrest as a lender has not worked in " good faith '' with my loan repayments or modification payment plans during the crisis of disasters I had suffered from large income loss. 

Lender Bridgecrest repeatedly reported bad credit delinquencies intentionally destroying my credit ratings which prevented me from refinancing my loan with other lending companies. I repeatedly contacted this lender trying to work out a payment arrangement with double payments or increase payments and finally a written compromise letter for an extension on my loan due to national disaster and state disaster. I was affected by the recent state disaster in XX/XX/2021 with the ice storm causing another hardship to move out of my current residence, a total loss of out-of-pocket income over {$4000.00} in moving expenses. Lender Bridgecrest is still proceeding to charge off on my loan and refuse all deferment payments and all written compromise offers to pay off my loan proof of Bridgecrest the intention to destroy my credit rating. Lender Bridgecrest 's conflict of interest with car dealer XXXX provided me with written assistance for a trade-in for my vehicle to prevent repossession. 

On XX/XX/2021, Bridgecrest, who is the lender, refused to accept the written offer from auto dealer XXXX canceling the trade-in promotion offer dated XX/XX/2021, from XXXX with an upgrade promotion payment of {$2000.00} toward my loan balance. Lender Bridgecrest declined the XXXX promotion to proceed with trade-in. I must pay the amount of {$4000.00} instead of the written amount of {$2000.00} agreement from XXXX. Lender Bridgecrest 's intention to practice unlawfully lending policies against me to collect additional interest after the principal and interest have been paid on my loan also with damage by destroying my credit rating with delinquencies reporting.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-02-25
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The LATE PAYMENTS reporting by this company is inaccurate and lack any certificated proof by physical evidence to include, account audits, balances, dates, and any other data formatted reporting standards. Under the FCRA and FDCPA and my state laws these inaccurate LATE PAYMENTS reporting have not been lawfully validated with verifiable physical proof therefore are not in compliance with federal laws. I demand any and all LATE PAYMENTS reporting on the following accounts be immediately updated to PAYS/PAID AS AGREED, NEVER LATE! Account # : XXXX and Account # XXXX
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (NJ)

I RECEIVED A NOTICE FROM MY CREDIT MONITORING COMPANY THAT THIS ALLEGED DEBT WAS REPORTED TO XXXX CREDIT BUREAU. THIS COMPANY NEVER SENT ME A NOTICE AND NEVER GAVE ME A CHANCE TO DISPUTE THE ALLEGED DEBT.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I requested fraud alert be removed from my credit file so i can apply for credit, I was then told to submit documents and fraud alert removal form on Experian website and upload, the online system would not let me upload after numerous attempts.
Consumer complaint received 2023-02-28
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: WELLS FARGO & COMPANY (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. WELLS FARGO XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Dave Operating, LLC (MO)

XXXX XXXX  XXXX XXXX, Member FDIC d/b/a XXXX Dave XXXX closed my account unexpectedly today XX/XX/2022 without notice for apparently violating their terms of service agreement and would not disclose the nature of the closure for security purposes. The email to, I XXXX XXXX XXXX at XXXX stated that we've had to close your account and terminate your Dave Membership effectively immediately, accounts can't be reopened. Dave has a Cash Advance service that allows users to advance a portion of their next paycheck in advance for groceries or other related expenses. What was Dave 's reasoning for closing my account, as I made all my payments on time, including subscription fees. Dave had no apparent reason or authority to cancel my account out of the blue in its unjustified unwarranted practice, is Dave justifying its actions on closing consumer accounts based on account activity such as spending, atm withdrawals, etc.?
Consumer complaint received 2020-12-08
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I have a promotional balance ( no interest for 18 months ) on my Best Buy card through Citi bank that ends in XX/XX/2021. My minimum payment due for my account for XXXX was {$28.00}. On XX/XX/2021, I made a payment of {$78.00}. Of that, {$28.00} satisfied the minimum payment due of {$28.00}, and the additional {$50.00} was applied to the promotional balance. After that payment, my promotional balance was {$73.00}. So, on XX/XX/2021, I made an additional payment of {$73.00} to pay off the promotional balance. However, Citi only applied {$45.00} of that to my promotional balance. When I contacted them, they claimed that I had to satisfy the minimum payment of {$28.00} on my account first. I explained that my XX/XX/XXXX payment had already satisfied my minimum due. They agreed and said they would correct it. It is now XX/XX/XXXX and it still has not been corrected. I've made 4 phone calls to Citi about this and each time, they promise they will fix it, Today, I was transferred to a manager who told me she disagrees that my minimum payment of {$28.00} had already been met and that I have to pay an additional {$28.00} to pay off my promotional balance. I clearly already satisfied my minimum due with my payment of {$78.00} on XX/XX/2021. But they are now trying to make me pay {$28.00} more than what I really owe on my account. And in XXXX, I will be charged 18 months of interest on that promotional balance, even though I already paid it off!
Consumer complaint received 2019-08-16
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. (CA)

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. 
However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. 
XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX Financial knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with Transunion, XXXX and XXXX. All agree this is an error but can not stop XXXX XXXX XXXX reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Consumer complaint received 2021-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of 4 separate data breaches my personal information was held liable in, I still dont get the respect I deserve
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date XX/XX/XXXX @ XXXX To : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities : Someone is going to the credit-reporting agencies changing my address. Also, my security freeze has been removed from my credit file. 

When I received a notification on my phone XX/XX/XXXX, I called the credit-reporting agencies on XX/XX/XXXX and other dates requesting a Fraud Alert on my credit file. While talking to TransUnion Customer Service - Fraud Dept, the lady told me I can also put a freeze on my account, too. She allowed me to pick my security freeze ID number over the phone. As of XX/XX/XXXX, the freeze status has been removed and someone went into TransUnions system and posted the old address. I was shock to see old information because I received letters from TransUnion coming to my current address. I found the old address accidentally, on XX/XX/XXXX@ XXXX XXXX and I changed the address to the current address. I found out if there are discrepancies on the credit file, the credit-reporting agencies, all the companies, I may want to get credit from and including myself will be unable to do a identification verification requirement. 

SEE ATTACHED DOCUMENTS : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX2019 4. XXXX XXXX XXXX XXXX XXXX XXXX2019 5. ssn
Consumer complaint received 2019-08-16
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: DISCOVER BANK (MD)

XXXX XXXX XXXX reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but XXXX XXXX XXXX won't remove this from my 3 credit reporting agencies.