davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (KY)

In reference to CFPB complaint ID XXXX filed on XX/XX/2024, my savings account was approved on XX/XX/2024 with a final note from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After successfully setting up and funding my account, I applied for a Free Checking account online on XX/XX/2024 where I was prompted to call PenFed to complete application ( XXXX ). PenFed customer support took my details again over the phone and it appeared details customer support took was to submit a new application ( XXXX ). I received an email to upload documents again but no utilities this time, only Identity Verification Current, non-expired U.S. government-issued ID such as drivers license or passport and SSN Verification Social Security card, current tax year W-2, or signed current year tax return showing your full Social Security number.

I submitted my government-issued passport and Tax ID document again then I was told review should take about 8 hours. 

On XX/XX/2024, I called PenFed customer support to get an update regarding application. After I was put on a brief hold, customer support came back and ask if I had a US only issued ID ( exactly what had transpired when I applied for a Regular Savings Account in XXXX, 2024 that ended up as a complaint via CFPB because PenFed had discriminated the origin of my government-issued passport ) I told customer support I had submitted a complaint via the CFPB for this exact response by a prior PenFed customer support personnel when I applied for the savings account the first time. I was put on another hold. When customer support came back, she confirmed my government-issued passport and Tax ID document has been accepted. But that was not all. She added that her fraud department told her to request from me what I can assume to be one of the most absurd document required for any kind of application, " a copy of my phone numbers receipt/bill '' because they couldn't verify who my phone number belonged to. 

This was very mind blowing for me because not a single entity around the world had ever asked me for such a document. One 's phone number is usually verified by sending a one-time code. Even XXXX  ( my carrier ) themselves verify my phone with a one-time code. 

This is the same phone number I used to setup my account when my savings account was finally approved and set as a XXXX method. 

Is this how incompetent PenFed customer support and fraud department is or any personnel involved in application review is? So far, the experience is extremely loathing. 

My final comments regarding PenFed Credit Union as a whole but at the end of the day remains my opinion however, by far the worst financial institution I personally have ever encountered.

PenFed can keep its discriminatory services and close my account entirely. This is not worth a legal intervention although I may change my mind.

It has not been a pleasure.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 
XXXX : 30 days late XX/XX/2022 & XXXX XXXX  60 days late. XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. Equifax : XXXX XXXX 30 days late and XXXX 60 days late.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I mailed out a certified letter to Best Buy on XX/XX/XXXX to provide proof of the late payment reported on my credit report for XX/XX/2020 but it has now been over 30 days and i have not received a response to my inquiry. I am writing for you to help get a the proof i was late or this should be removed from my credit report for all 3 credit bureaus.
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NC)

I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation. 

I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time. 

My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In the last 90 days I have tried on multiple occasions to remove my inaccurate information from this credit company with no success. I send proof this information is reporting incorrectly and nothing gets done. I will attach a list of inaccurate items to this complaint that need to be removed from my credit report.
Consumer complaint received 2017-03-22
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

Dear Sir/Madam, I am writing to lodge a formal complaint against the law firm Fein Such Kahn & Shephard PC , specifically concerning the conduct of XXXX XXXX XXXX XXXX XXXX in relation to their handling of debt collection practices against me. This complaint is rooted in what I believe to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Without any prior written communication that detailed the nature of the alleged debt, Fein Such Kahn & Shephard PC, under XXXX XXXX direction, initiated a lawsuit against me. It is important to note that I never received a demand letter that outlined the debt or provided an opportunity for me to respond or arrange for payment. This omission deprived me of my rights to dispute or verify the debt before any legal action was taken. 

As a result, a lawsuit was pursued, culminating in a judgment issued against me for {$6000.00}, without providing any opportunity to settle or contest the claim outside of the courtroom. The lack of preliminary communication clearly contradicts the FDCPAs mandate that debt collectors must provide a written notice of the debt within five days of initially contacting the consumer, outlining the amount of the debt and the creditors name, and informing the consumer of their right to dispute the debt. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. I seek the reversal or, at minimum, the suspension of the judgment against me, in addition to any other appropriate remedies. Such actions by debt collectors should not go unchecked as they significantly impact consumers rights and well-being. 

Enclosed are copies of the relevant documents pertaining to the case. I am willing to provide additional information if required and am hopeful for a resolution that corrects the disregard of consumer rights demonstrated in this case. 

Thank you for your attention to this urgent matter. I await your prompt response and assistance.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

FORD MOTOR CREDIT COMP reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX. 
I called FORD and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the 3 BR while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AL)

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence.

* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt.

* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you contact me * Unexplained charges or fees added to the * Immediately cease all communication attempts regarding this debt.

* Verify and validate the debt with documentation. 
* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I contacted the credit bureaus about incorrect accounts on my credit report and they did not respond in 30 days. I asked them to verify the information and they failed to verify it and it is still showing up on my credit report. I need this fixed as soon as possible because I am trying to purchase a home and their incorrect reporting is holding me back.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023, i received a phone call from a man at Wells Fargo 's Fraud department asking if i had sent 2 wire transfers. One withdrawal of XXXX and another of XXXX. I had said absolutely not. I had felt very suspicious of this phone call so i proceeded to drive to the closest Wells Fargo bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inside I spoke with a woman asking if this number was legit. She looked at my phone and said yes that was wells Fargo 's fraud department number. 
Shortly After my Account was frozen with no further access to it by me. The balance was left of roughly XXXX dollars. 
I immediately called the number on the back of my debit card and was told i could not get help over the phone i had Togo into a branch for assistance. 
I then proceeded to another wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for help. 
When talking to a teller and explaining what had just happened, I asked for help and he told me all bank officials are busy, handed me a business card and told me i need to make an appointment. 
Now onto the next Branch, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX where finally a gentleman helped me by the name of XXXX XXXX He helped me get access to my account and was finally able to put in a fraud claim. 
It took me over 2 hours before i could get someone at wells Fargo to help me. 
XXXX was the only person that took the time to help me. 

After I was denied getting my money back I went into the first branch where the woman looked at my phone indicating that was the fraud department, asking to get camera footage and even put in a complaint with XXXX XXXX against that branch. they denied me again and told me they dont look at camera footage like that and they asked all their employees if they spoke with me and they said no. 
I filed 3 claims and every claim was denied we even reached out to higher officials in The Fraud Department about what had happened at the first branch and no one would help us. Countless phone calls
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (AL)

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. 
* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt. 
* **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection. 
**Due to the aforementioned violations, I am requesting that you : ** * Immediately cease all communication attempts regarding this debt. 
* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have been trying to close out my forbearance with Mr Cooper for well over ( 2 ) two months with no success. I have made over a dozen attempts to settle my account with their company and every representative claims they are unsure what to do and that I would receive a call from upper management. I have yet to receive a call back!!!
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I submitted a complaint regarding Equifax 's inaccurate reporting of a bankruptcy to no avail. Equifax states it receives it's public record information from XXXX Consumer Center however Equifax 's bankruptcy reporting on my credit file is not consistent with XXXX. The attached XXXX Consumer Report has " No Records Found '' listed in my Bankruptcy portion of my report. Please refer to page 11 of my XXXX report.
Consumer complaint received 2021-02-22
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. (NY)

I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT I NEVER WENT TO THEM FOR AN ACCOUNT THIS IS FRAUD AND NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MO)

I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with Synchrony Bank, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, XXXX XXXX refuses to talk with me. I was advised to file a complaint with you.
Consumer complaint received 2018-01-30
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. (TN)

I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. Thank you.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I recently discovered a collection report on my credit file that does not accurately reflect my financial history. The collection entry is dated XX/XX/2023, and it pertains to an amount of {$5500.00}. Upon noticing this discrepancy, I took immediate action to investigate the matter further.

I sent a mail to " Columbia Debt Recovery LLC, dba Genesis XXXX XXXX XXXX, XXXX, WA XXXX. ( XXXX ) XXXX, XXXX '' requesting all communications be in writing, but I continued to get calls and emails from them. 

After carefully reviewing my records, I found no evidence of any outstanding debts or delinquent payments that would warrant such a collection report. I contacted the credit reporting agency to dispute the entry and requested verification of the debt from the collection agency. However, despite my efforts, the collection remains on my credit report, negatively impacting my credit score and financial standing.

Actions Taken : Contacted credit reporting agency to dispute collection entry.

Requested validation of debt from collection agency. 
Provided supporting documentation to substantiate my claim of erroneous reporting. 
I kindly request your assistance in investigating this matter further and expeditiously removing the inaccurate collection report from my credit file. Your cooperation in resolving this issue is greatly appreciated.