davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I am not able to log into my Experian account due to internal system errors on Experian 's side. This is ongoing since XX/XX/2024. 

They provide a phone number to call for technical issues which, when called, can't properly verify who I am and does nothing other than direct you back to the website to complete my task- which I can not access - and does not provide any way to speak with a person who can address the issues on their end and provide a fix. 

This has caused harm as I am not able to obtain any form of credit. What I'm told when applying for credit is that there is an error with Experian and no information can be obtained about me from them, and they therefore can not proceed with my credit application. 

The only thing I can do is write Experian a letter, which I've done, and must now await weeks for them to address an issue that needs to be fixed immediately.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (GA)

Delete Collections from Southwest Credit System from XX/XX/2021. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

" In the Complaint, the consumer requests a printout of the chain of assignments from the XXXX system. Enclosed is the requested printout. '' This was the XXXX response I received. Thank you.. Dates covered in this print out is from XX/XX/XXXX through XX/XX/XXXX. Basically this time frame covers when XXXX was the servicer. 

XXXX became servicer on XX/XX/XXXX so I want assignments from this date onward. 

I would like print out of asssignments from XX/XX/XXXX through XX/XX/XXXX when XXXX has been the servicer. 

thank you
Consumer complaint received 2021-07-16
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. (CO)

XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

Loan amount is currently less than 80 % of original value and 12 months old. Lender is stating a seasoning requirement of 24 months and evidence of improvements. Photo of newly constructed deck was provided to lender. Lender has not responded to request and new monthly statement contains PMI amount.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

Every time I apply for a card with this bank Comenity they decline me. I asked them are you prejudice against XXXX and XXXX? Because I am XXXX and i am XXXX. They put me on hold and never resolve the issue. 

Now the letter states things that don't exist on my credit report. They refuse to help me with my applications and when I call they won't connect me to a mgr to help.
Consumer complaint received 2019-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (NC)

SCA Collection c/o Consumer Financial Protection Bureau XXXX. XXXXx XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX To whom it may concern : I received an itemized bill from SCA Collection which is a third- party collection agency. SCA collection has violated my HIPPA rights. I did not sign any contractual agreement with SCA Collection for them to have my medical records nor did I signed a medical release form from the hospital for them to obtain my records. 

The laws of HIPPA regulations state that any time you go to the doctor and when you sign that HIPPA form, it states medical information, charts, diagnoses, and other Personal Health Information ( PHI ) is to only be shared with the individual you put down that can have this medical information released to them. The person you put down on that form, is the only person that can receive that information I.e. spouse or family member you designated and that that health care provider in this case XXXX XXXX XXXX. The minute that XXXX XXXX XXXX gave that information to a collection party ( SCA Collection ) showing my PHI is a direct violation of HIPPA. I did not sign a form giving up my PHI to this debt collection agency. 

I demand that this account be closed and return to the creditor. Removed from each of the credit bureaus ( XXXX, XXXX, XXXX ) because it is violating my rights. It is within my rights to sue SCA Collection for violating my rights for the damage that has been done. 



Thank you XXXX XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

XX/XX/2020 To Whom it May Concern : This is the 2nd complaint Ive had to file with CFPD because SLS never completed the corrections they stated they were going to make to resolve the first complaint ( First complaint ID # XXXX ). 

In their settlement response it lists all the payments they were going to correct, then it states : In addition, SLS reversed a property inspection fee of {$11.00} and a previously collected late fee amount of {$160.00}. These funds were added to the unapplied funds of {$840.00} for a total of {$1000.00}. These unapplied funds will be applied to the XX/XX/2020 contractual monthly payment when the balance of the payment ( {$820.00} ) is received. 

This settlement statement was not made available to me until XX/XX/XXXX. I had already made my XXXX payment of {$1700.00} on XX/XX/XXXX and had also already sent my XXXX payment of {$1700.00} before I received the notice. Since I still shouldve had a credit of {$1000.00} as stated in SLS response, I sent {$740.00} on XX/XX/XXXX ( the ACTUAL amount due rather than the incorrect amount of {$820.00} as stated in their response ), to complete my XX/XX/XXXX mortgage payment. This shouldve completed all actions SLS agreed to and wouldve balanced by account. On XX/XX/XXXX I sent {$1700.00} XXXX the newly adjusted payment due to increase in escrow XXXX to satisfy XXXX payment, and on XX/XX/XXXX I sent {$1700.00} to satisfy XXXX payment. 

SLSs monthly statements ( included in the attachments ) never showed the credit indicated in their settlement response. In fact, XXXX statement indicated the total amount due was {$4000.00}, XXXX statement amount due was {$3600.00}, XXXX was {$4700.00}, XXXX was {$4700.00} and XXXX is {$3800.00}. In addition to these statements, I received 13 courtesy reminder letters between XX/XX/XXXX and XX/XX/XXXX telling me that my mortgage loan is in serious default, including a Notice of Default and Intent to Foreclose ( see attached ) dated XX/XX/XXXX! 

On XX/XX/XXXX I mailed and faxed SLS a letter explaining their errors, asking them to please apply the funds correctly. I received their response dated XX/XX/XXXX, which continued to blame the previous servicer for incorrectly applying funds to principle before the loan was transferred and tried to justify why they will not apply my payments as Ive requested. ( see attached ) In an effort to keep this professional I will refrain from detailing my frustration and complete lack of confidence in how my money is being so fraudulently handled by this company. Please help. Ive been trying to refinance for months now and Ive already lost so much money because of their continued dishonesty. Thanks in advance for any help you can render.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

They didnt fix the problems they said the would on my credit report. Also told me not to close a credit card that I maxed out. Said it wouldnt help my credit and they would fix it. They said the would get late fees off my account and didnt. I had them from XX/XX/XXXX to XX/XX/XXXX. I would call to cancel but they talk me into having it longer that they needed more time. I recently called to ask for my money back because they didnt fix any of the problems on my credit report.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (CA)

I purchase a XXXX from XXXX XXXX XXXX in XXXX, Ca. They sign me up with XXXX XXXX. I received my car registration and it stated that TD Auto Finance was the lienholder. I called the Dealer and they inform me that it was their right to sell the loan to another company without notifying me. They said that TD Auto would send me the ensuing paperwork. They only sent me a bill no other paperwork. Told me to go online and set up auto pay. I did that by submitting all my pertinent information. The XX/XX/2020 payment was taken out of my checking. I received a letter saying that the cancelled XXXX XXXX XXXX amount was forwarded to TD Auto. They also stated that they sent the Gap Insurance Payment was sent to the dealer. I was informed by my Credit Card that I had a late charge involving my XXXX alert. I called TD Auto they said that I had missed my XXXX payment. I asked how could that happen when I had set up Auto pay from my checking account on file. XXXX from TD Auto said that a check from the maintenance was not paid. The Auto pay was cancelled so no more fees would occur. She supposedly didn't see all the information and could not give me a concise answer. I was told to contact the one that sent the check. I indeed contacted them and they Sent me the cancelled check with front and back supporting that it was cashed. I see where all of this occurred with enough time to inform me that they cancelled the Auto pay. My credit card said that it was reported to XXXX. Thats was why I called them and was made aware of the above after the late fee and missed payment. I paid what they reported was owed. After receiving the cancelled check I was lied to openly by TD Auto. They cashed the check close my checking account from Auto Pay and reported me to XXXX XXXX XXXX all while they were paid. Since they are not on the same page with their reporting. A look into my file would have sufficed with me waiting for an answer. But they did what they wanted with distributing their information with out contacting me after I submitted all my personal information.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (PA)

I called these companies that are reporting inaccurately on my credit report and they have refused to send me any paper work regarding legitimacy of this account. I asked for the original contract and have yet to receive it. This account is impeding me from applying for new credit.
Consumer complaint received 2024-05-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (NY)

The company OppLoans by OppFi is engaged in predatory lending aiming to take advantage of people who are desperate for money because they are financially limited in their capability. It they want a near 200 % return on their loan within a 10 month period ... which is absolutely abhorrent. This company should be shut down and not allowed to issues loans to anyone.
Consumer complaint received 2020-06-03
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. (MD)

My complaint is against XXXX, Experian and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.
Consumer complaint received 2015-12-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (PA)

Ref : CFPB Consumer Complaint ID # XXXX. 
I have been a customer of M & T Bank ( and Wilmington Trust which it took over ) since XXXX. M & T Bank insists it needs additional information from me such as my drivers license number and my occupation in order to comply with XXXX, and XXXX regulations. 
However, all public information I can find says that is not the case. 
All indications from the government is that the XXXX only applies to new customers ( after XXXX ). 
Here are links to back that up : XXXX XXXX XXXX XXXX # XXXX Since I have been a customer since XXXX, I am not covered by those rules. Please provide me a link to information indicating I am wrong if you disagree. 
Note : I have attached the letter I have received as a result of you sending them my first claim. But as you can see the letter is just a restatement of their claim that they are required to collect this information but does not address all of the links from government sources that say they do not. They state that XXXX regulations require that but yet another link XXXX # XXXX directly refutes it. So if the CFPB just sends my complaint again to M & T Bank it is not clear to me how I am going to get anything more than just another similar letter that just claims they have the right to collect information with vague reference to rules that they claim say they do without providing clear enough references ( links ) that I can look-up and validate their claims or something that shows that the multiple references I have consistently provided are in fact outdated and incorrect.
Consumer complaint received 2020-03-24
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.
Consumer complaint received 2020-08-24
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$1400.00} XXXX XXXX {$1300.00}
Consumer complaint received 2020-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Yes, I check my credit score with XXXX yesterday and it was XXXX. I checked it today and it is reading as XXXX, with as to why it went down 23 points in one day. 

Also their is a XXXX/XXXX  account that is showing up as a public record when it is not. It is a credit card debt that has been resolved. 

I suspect fraud on my account because my information was breached in XX/XX/XXXX while working at XXXX XXXX, GA. I feel that the person who was abusing me gathered my information and corrupted my report, by reaching out to my former tenants and asking them to report untrue information. This is to create a boundary for me to make it difficult for me to progress XXXX XXXX XXXX reported that I owed them money as well as XXXX housing authority. Now every time I apply for an apartment it comes from these other sources that I owe these leasing companies. 

I've never been evicted, but these companies are reporting that I have. Now I'm XXXX because of their recklessness. Please help me resolve these issues by reaching out to XX/XX/XXXX, XX/XX/XXXX, Transunion, XXXX Housing Authority, XXXX/XXXX, XXXX XXXX XXXX, and Virginia Treasury Department, Please reach out to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other leasing reporting agencies to have these incorrect items removed? The information that they have about my rental and credit history is suspected fraud on there part for reporting incorrect information.
Consumer complaint received 2023-02-07
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. (PA)

The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (PA)

Received a notice from debt collection agency on XX/XX/XXXX, XXXX which was dated XX/XX/2020. I immediately responded to the notice requesting validation of the debt, for which I have documentation they received on XX/XX/2020. I did not receive a response and on XX/XX/2020 I ran my credit report and discovered that on XX/XX/2020 the debt collector had reported this item on my credit report ( s ) although they had received a letter to validate the debt prior to this reporting which they had failed to respond too. i disputed this with the credit bureaus for which they had reported explaining the no response to the validation of debt letter. XXXX immediately removed this account from my report. At this point XXXX had not yet received their dispute in the mail. In XXXX, I received a letter from the collection agency dated XX/XX/2020 stating that although they had no obligation to do so that they were providing the validation of the debt. Which was not a complete method od verification. They provided a typed letter of the amount they claimed to be owed by the dispute supervisor, as well as a bill ledger, They did not provide a document bearing my signature, the contract between them and the original creditor, their license to do business in my state, or proof the debt owed is within statue of limitations for my state. At this point XXXX states that the account was verified by the collection to be correct and has it to remain on my credit report. This should have never been placed on my credit report as I made contact with this agency prior to and they did not provide validation of this debt,
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been unfairly assessed a " monthly maintenance fee '' for over six months on my checking account with bank of america.

I opened my account with bank of america over 15 years ago where I was not assessed monthly fees. At some point, approximately 2 years ago, i started seeing maintenance fees on my account. I called Bank of America and asked how I could prevent being charged the fee. They said that if I used my account only " online '' or through ATMs, I would not be charged a fee. I have typically been conducting my banking in this manner this that time. However, last year I started seeing new monthly fees again even though my banking was still exclusively conducted through the " online '' and ATM channels. I believe Bank of America misrepresented account terms by charging me these fees.